Category: Debt Collection and Enforcement
Property Charging and Forced Sales: UK Legal Overview
Introduction to Property Charging and Forced Sales When you owe money and do not pay, a creditor may ask the court for a charging order. A charging order is a legal tool that secures a debt against your property, such as your home or land. This means the creditor registers an interest in your property,…
Stopping Bailiffs: Legal Overview
Understanding Bailiffs and Your Rights Bailiffs, also known as enforcement agents, are individuals authorised to collect certain types of debts on behalf of courts or creditors. Their main role is to recover money owed, which can sometimes involve visiting your home or business to take control of goods. If you’re unsure who bailiffs are, it’s…
How a CCJ Can Affect Your Ability to Rent a Home
What is a County Court Judgment (CCJ)? A County Court Judgment (CCJ) is a type of court order issued in England, Wales, and Northern Ireland when you owe money to someone and fail to repay it as agreed. If a creditor takes you to court over an unpaid debt and the court finds in their…
How to Enforce a County Court Judgment (CCJ) in the UK
What is a CCJ? A County Court Judgment (CCJ) is a formal decision made by a county court in England, Wales, or Northern Ireland stating that someone owes you money and must repay it. If you have taken legal action because a person or business has not paid a debt, and they either admit the…
How to Set Aside a CCJ: Steps, Reasons and Impact
What is a CCJ and Why Might You Want to Set It Aside? A County Court Judgment (CCJ) is a type of court order that can be issued against you in England, Wales, and Northern Ireland if you fail to repay money you owe. If a creditor takes legal action and the court decides you…
Attachment of Earnings Orders: How Wage Deductions Work
What is Attachment of Earnings? An attachment of earnings is a legal process in the UK that allows money to be taken directly from a person’s wages to repay debts. This method is typically used when someone has not paid what they owe, and a court has decided that the best way to recover the…
Bailiffs and Enforcement Agents: UK Legal Overview
Introduction to Bailiffs and Enforcement Agents Bailiffs, also known as enforcement agents, are individuals authorised to collect certain types of debts in England and Wales. Their main role is to enforce court orders or recover unpaid debts, such as council tax, parking fines, or County Court Judgments (CCJs). While the terms "bailiff" and "enforcement agent"…
Charging Orders: Legal Overview and Guide
What is a Charging Order? A charging order is a legal tool that allows a creditor to secure a debt against a debtor’s property after they have obtained a court judgment. This means that, rather than giving the creditor immediate access or ownership of the property, the charging order acts as a form of security.…
County Court Judgments: Legal Overview
What is a County Court Judgment (CCJ)? A County Court Judgment (CCJ) is a formal court order issued in England, Wales, and Northern Ireland when someone fails to repay money they owe. If a creditor – such as a bank, lender, or company – believes you have not paid a debt, they can apply to…
How Court Fines Are Taken from Your Wages in the UK
Introduction to Court Fines and Wage Deductions Introduction to Court Fines and Wage Deductions Court fines are penalties imposed by a court when someone is found guilty of breaking the law. These can result from a range of offences, such as traffic violations, non-payment of a TV licence, or more serious criminal matters. Paying court…
