What a CCJ actually costs you

The commercial damage usually arrives long before the enforcement does. Judgments are registered publicly and credit agencies pick them up within days. Suppliers pull credit terms, insurers reprice or decline, funders withdraw facilities, and tenders screen you out.

Most companies find the judgment costs them more in lost trading terms than the debt itself was worth.

How it gets enforced

• Enforcement agents attending and taking control of goods, with substantial fees added on top
• Funds taken directly from the company’s bank account
• The debt secured against company property
• A winding-up petition — straightforward for a creditor once judgment establishes the debt is not disputed

Judgments entered by default

A great many judgments are entered simply because the claim went to an old registered office and nobody saw it. Those can often be set aside if the company has a real defence — but only if you move quickly. Delay is what kills those applications.

It is also a reason to keep the registered office address current, which is part of the company secretarial work we do.

Where a sale fits

Registered judgments, the underlying claims and any enforcement in progress are all within scope. We need the judgment details, the claim documents, and where things currently stand.