I Have A CCJ But Dont Know Who From?
What Happens If I Have Nothing For Bailiffs To Take?
Summary -: I Have A CCJ But Dont Know Who From?
Finding Out that you have a County Court Judgment (CCJ) against you can be stressful. For many people, the first question is: “Who gave me this CCJ?”
If you have a CCJ but don’t know who from, you are not alone. In this guide, we’ll explain how to find out the details of your CCJ, what it means, and the steps you can take to deal with it.
What Is A CCJ?
A County Court Judgment (CCJ) is a type of court order registered against you if you owe money and have not repaid it. It shows that a creditor (a company or individual you owe money to) has taken legal action.
CCJs appear on your credit file and can affect your ability to borrow, rent, or even get certain jobs
How Can I Have A CCJ And Not Know Who Its From?
It’s common to feel confused when you see a CCJ on your credit report but don’t recognise the creditor. This can happen if:
The debt was sold to a different company.
The court papers were sent to an old address.
The creditor used a different trading name.
You don’t remember taking out the debt
How To Find Out Who Issued A CCJ?
If you don’t know who the CCJ is from, here are the steps you can take:
1. Check Your Credit Report
Your credit report (from Experian, Equifax, or TransUnion) will usually list CCJs, including the date and case number.
2. Use the Register of Judgments
The Register of Judgments, Orders and Fines holds details of CCJs for six years. You can search the register online for a small fee.
3. Contact the Court
If you have the case number, you can contact the County Court Business Centre (CCBC) to request details about who issued the claim.
4. Get Professional Help
If you’re struggling to find who gave you the CCJ, At Advice Centre Group we have a group of advisors who specialise in helping you locate the CCJ, We will contact the courts with you and also pull you your own credit report to see if we can help to identify it for you.
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What Happens If I Ignore A CCJ?
If a CCJ is left unpaid, creditors can take further action such as:
Sending bailiffs to your home.
Applying for an attachment of earnings order (taking money directly from your wages).
Applying for a charging order on your property.
That’s why it’s important to act quickly once you know you have a CCJ
Can a CCJ Be Removed?
Yes – in some cases you may be able to have the CCJ set aside or removed if:
You never received the original claim form.
You dispute the debt.
You paid the debt in full within one month of the judgment.
Otherwise, the CCJ will stay on your credit record for six years – See HERE what options you may have.
Conclusion And How Can We Help?
At Advice Centre Group, we speak to people every day who are worried about CCJs. If you’re sat there thinking “I’ve got a CCJ but don’t even know who from”, we can help you:
Track down the creditor.
Explain your options in plain English.
See if a solution like an IVA or repayment plan could stop further action.
You don’t have to face this alone.
👉 Get free, confidential advice today – speak to one of our friendly advisers.
What You Need To Know?
A CCJ means a creditor has taken court action because of unpaid debt.
You might not recognise the name if the debt was sold, the company trades under a different name, or papers went to an old address.
To find out who it’s from, check your credit report, search the CCJ register, or contact the court.
Ignoring a CCJ can lead to bailiffs, wage deductions, or a charge on your home.
In some cases, a CCJ can be set aside or removed, especially if you never received the paperwork.
Act quickly — the earlier you deal with it, the more options you’ll have.
You don’t need to handle it alone — free, confidential debt help is available.
Frequently Asked Questions
A CCJ, or County Court Judgment, is a court order made against you if you fail to repay money you owe. It shows that a creditor has taken legal action. A CCJ will appear on your credit file for six years and can affect borrowing, renting, and even some job applications.
You can check your credit report, search the Register of Judgments, or contact the County Court Business Centre with the case number. These sources will tell you which company issued the CCJ so you know who to deal with.
Yes. Many people only find out about a CCJ when they check their credit file. This usually happens if court papers were sent to an old address, or if the debt was sold to a company you don’t recognise.
A CCJ can sometimes be removed. If you pay the full amount within one month, it should be taken off your credit record. You can also apply to set aside a CCJ if you never received the paperwork or if you dispute the debt.
Ignoring a CCJ can lead to serious enforcement action, including bailiffs visiting your home, deductions from your wages, or a charge placed on your property. The sooner you deal with it, the more control you’ll have over the outcome.
Yes. A CCJ stays on your credit file for six years and will impact your credit rating. This can make it harder to borrow money, get a mortgage, or even pass some tenancy and job checks.
If you don’t recognise the name, the debt may have been sold to a different company or collected under another trading name. Checking the court record or register will give you the correct details of who issued the CCJ
Learn more about managing your debt:
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