Zero Hour

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Claudia almost lost her job because a county court judgment

the adoption of a county court judgment (CCJ) can cause damage. So, to not even know there is a judgment against you, it can come as a shock.

Claudia just before the CCJ against you, if you got your first job. "If I would have known hadn't for my work," says the 23-year-old.

The Number of people in their 20s, which increased with court orders for unpaid debts greatly in The Last year, according to figures seen by Radio 4 money Box.

court records show that last year, around 160,000 have been given, CCJs, up to 30% compared to the previous year.

Why the increase?

Zero-hour contracts, payday loans, unstable jobs, the cell phone bills, subscription services, and rising rent prices are thought to be partly behind The Rise , the Registry trust said.

Claudia ' s CCJ has not been paid for £270, for Two Weeks , the rent, as you are in the property of the University.

"I [had] moved out of my apartment in a different home, so I never said any mail from the court," She Said .

"The CCJ was filed in April 2017. I found out about it In July 2018 with my first job. It came back with my second job in 2019.

"I don't mind that my severity until I current job. It has been suggested that it "must leave [paid]", or else I could lose my job," She Said .

Claudia disputes, the £270 your ex-landlord says you owe him, and said, she had trouble applying for credit because of your CCJ.

So she sought legal advice from a challenge, and it is now resolved, a result, it is satisfied.

Claudia disputes claim against your

"I tried to change my Mobile Phone contract of my parents' name To My name. That didn't work. My car broke down and I tried to Finance a new car in my name. That didn't work. "

Most of the judgments, The Last year for Claudia's age group were for amounts Between £100 and £500. The second largest share was for amounts Between £500 and £1,000.

What a CCJ is?

A CCJ is a court judgement in England, Wales and Northern Ireland , which may be issued to a Person, if you don't pay back The Money you owe.

It is an action that creditors can take as part of The Debt collection process. If The Debt is not paid, the CCJ can be filed on the individual's credit report and remains for a period of Six Years .

This can lead to problems, things like a mortgage, a credit card, a lease on a rental property and a cell-phone contract.

The file may be removed from a credit report if The Debt is paid within one month of receipt of the judgment. If it's later, it remains on the individual's credit report with a note marking that it has been paid.

In Scotland, county court judgments called decrees are. Like CCJs, you can remain on credit file for Six Years .

The Registry Trust, a not-for-profit group, said the court, manages files on behalf of the Ministry of justice, the increase in CCJs for small amounts can be explained by banks and phone companies, the sale of smaller claims on specialized debt collection companies.

"We have a massive increase in The Number of sentences, but a decrease in the average value of the judgments, which means to recover, more and more creditors through the courts for smaller debts," says Mick McAteer, Chairman of the Registry trust.

He said that for some people, you only find Out There is a CCJ on your credit record if you apply for a loan.

"Younger people tend to move house more often than their older colleagues, so that you might miss, letters about CCJs," he said. "However, the purpose of the CCJ is to pay someone The Money you owe. "

Sir Bob Neill , the Chairman of The House of Commons justice Committee, said The Rise was "very worrying, and it is part of an underlying problem of lack of financial education that we have".

He added that the next step after a CCJ is if the bailiff is to force a payment. But then, he added, had been "a lot of damage to the CCJ already done to people's credit rating".

The Ministry of justice responsible for the courts and tribunals service, the problems, the CCJs, said it did not "comment on a routine basis, increases in the statistics".

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personal finance, personal debt

Source of news: bbc.com