Defaults, CCJs and court actions — what each really means
Defaults, CCJs and charging orders explained without the jargon — including timelines and how to remove or satisfy each.
Default
Registered when an account is typically 3–6 months in arrears. Sits on your file for **6 years** from the default date, then drops off automatically. Settling it does **not** remove it but changes the status to 'satisfied', which lenders prefer.
County Court Judgment (CCJ)
A court ruling that you owe a debt. Recorded on the public Register of Judgments. Stays for **6 years**. If paid within **30 days**, it's removed entirely. After 30 days, paying marks it 'satisfied'.
Charging order
If a creditor with a CCJ secures it against your property, they can force eventual sale. Take any CCJ seriously — respond and pay or negotiate before it escalates.
What to do today
- Don't ignore court letters — even responding 'I dispute' buys time.
- Free legal help: Citizens Advice or National Debtline.
- If you've just received a CCJ and can pay within 30 days, do it.