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Who registered a CCJ against my company?

Updated over 2 months ago

If you have a CCJ on your business credit profile, Capitalise can not show the creditor's name. To find out who registered it, check your company's records for the original court letter or perform an official search on www.trustonline.org.uk. Identifying the creditor is essential for understanding, settling, or disputing the judgement. For more detailed information, read below.

While your Capitalise credit profile will show that a CCJ has been registered, it will not display the name of the specific creditor who took the legal action. This is due to how CCJ information is processed and reported by Experian.

How to find out who registered the CCJ:

To identify the creditor who registered the CCJ against your company, you have two primary methods:

1. Locate the original judgement notice letter:

  • When a CCJ is issued, the court sends an official judgement notice letter to your company's registered address. This letter will clearly state the name of the claimant (the creditor) who brought the legal action, the amount owed, and the court details.

  • Thoroughly check your company's records for any correspondence from the court or the creditor's solicitors around the time the CCJ was registered.

2. Search the Register of Judgments, Orders and Fines (Trust Online):

  • You can officially search the Register of Judgments, Orders and Fines online via Trust Online. This is the official public register for CCJs in England and Wales.

  • You can perform a search using your company's name and address, or the case number found on your Capitalise credit profile. A small fee is typically charged for a search. The results of this search will provide you with the full details of the CCJ, including the name of the creditor who obtained the judgement.

Why identifying the creditor is important:

  • Understanding the debt: it helps you identify the specific debt that led to the judgement.

  • Settling the debt: you'll need to contact the correct creditor to arrange payment and satisfy the CCJ.

  • Disputing an error: if you believe the CCJ was registered in error, you need to know who the claimant is to gather evidence and potentially take legal steps to have it set aside.

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