Do CCJs for non-debt-related reasons affect your credit record?

Yahoo_Mail

nic_c said:

Yahoo_Mail said:

alexanderalexander said:

Yahoo_Mail said:

A CCJ is a CCJ. There is no differentiation based on what the CCJ relates to.

I am pretty sure that can't be true. The County Court issues judgements on all sorts of matters, including many which are completely unrelated to money – for example, relating to compliance with child custody conditions after divorces. They surely don't end up on people's credit records, do they?

A County Court Judgement is a specific judgement.  Although yes, the County Court system makes decisions on a wide variety of cases, these are not all called "County Court Judgements."  Using your example of child custody, this would simply be a "Court Order."

County Court Judgment is for debt, different to other Orders issued by the County Court that won't appear on credit reports. In fact proceedings can be issued and if you opt for alternative to a court hearing, e.g. mediation, you may end up with a court order, but it won't be a CCJ and it won't be on your credit report.

Correct, but please read what I was replying to before replying to me.  I was telling the OP the same thing from the very beginning, they just (incorrectly) used common parlance of "judgment" to mean a decision from a county court.

sleepyjones

Might be worth noting that if it does go to court and lose, you might also have to pay the court fees/costs?,  so it might be more than £4k.
I'm not 100% sure on this though (barely 25% sure 'cause I don't know about this kind of thing), and no clue what the fees / costs might be, maybe someone else can confirm.

gizmo111

MalMonroe said:

alexanderalexander said:

I am well aware that CCJs in relation to a debt do, unless paid within 30 days, stay on your credit record for six years and can make it very difficult to obtain credit.

However, I am at risk of having a CCJ for sum of money in relation to a matter other than a debt awarded against me (long story - I sold a house, buyer is claiming misrepresentation and wants four grand off me, for what it's worth I think his case is spurious for a number of reasons but who knows what the small claims court judge would make of it if it gets that far).

If the judge found partially or fully against me, would this go on my credit record? Instinctively the answer should be "no" as it obviously has diddly-squat to do with my creditworthiness, but I wanted to check as I know these things aren't always intuitive.

Here is an explanation of CCJ from StepChange: https://!!!!!!/3dm4jB7

There is also this, from the government site. https://!!!!!!/34UGZ9O

The fact is that whether you consider this matter to be debt-related or not, the buyer you refer to above does.

Therefore, if this case went to court and you lost, the Judge could definitely find against you and it would definitely go on your credit report for 6 years, unless you paid up within 30 days. 

It seems clear to me that you need to find yourself some legal representation because if this matter does go to court you will have to present your own case and not just accept that what the buyer says is fact. If it does come to a court case and you are not represented, you will lose.

Here is a third and final link, this time to Citizens Advice. Do phone them for more advice. Just in case! https://!!!!!!/3dpRrtS

It seems clear to me that you need to find yourself some legal representation because if this matter does go to court you will have to present your own case and not just accept that what the buyer says is fact. If it does come to a court case and you are not represented, you will lose.
If the OP represents themselves it does not mean that they will automatically lose the case!!  They will have the opportunity and time to present their case both in writing and orally at the hearing - depends how confident they are at doing this.