County Court Judgements (or CCJs for short) are the result of civil action for the recovery of debt by a creditor in the county courts. County Court Judgements can make life difficult when it comes to getting a mortgage or remortgage.
Here we explain more about County Court Judgements and how the process works, how it might affect you when it comes to getting a mortgage or remortgage, along with information as to how we can assist you.
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So, as we briefly mentioned earlier, a County Court Judgement (commonly abbreviated to CCJ), is the result of civil action for the recovery of debt by a creditor in the county courts. Once registered, a County Court Judgement can have a serious impact on obtaining a mortgage and credit facilities for years ahead!
It may be worth just checking how the CCJ process works:
If you do have a County Court Judgement registered against you, it's likely that you will have already experienced difficulties in obtaining facilities such as credit or store cards, HP or bank loans. As part of their credit checks, mortgage lenders will also be interested in any adverse credit you may have registered against you, and so you may require specialist help.
Generally, traditional high street lenders have tended to decline applications for funding where a borrower may have a County Court Judgement registered against them. Here at Shire Direct, we realise that in reality however, many of us will encounter some form of financial difficulty, and quite often through no fault of our own. Illness, redundancy, partnership breakdowns, and family bereavement can all have a devastating effect on our personal lives and our finances.
That's why we have incorporated a range of specialist lenders within our portfolio of lenders who will look to your ability to pay based on your current and future strengths, rather than your past difficulties. That's why if you need mortgage facilities and have a county court judgement registered against you, whether it is satisfied or not, it really is important to seek the advice of a specialist professional mortgage broker like Shire Direct.
People are often refused a mortgage because of past credit problems such as CCJs, credit defaults or arrears on their present mortgage or other credit! Over the years we've gained an enviable reputation for being leading professional mortgage advisors, and we consider our success has come about because we have the skills and know how, and because we take a common sense approach to the needs and aspirations of our customers. We're not judgemental, and understand that many people encounter occasional difficulties.
Our job is to find the most suitable mortgage for you, whatever your circumstances! That's why we have a track record in successfully arranging mortgages, which others often reject!
As you will probably realise, as a mortgage is likely to be the largest financial transaction you will ever enter into, the first thing a qualified Shire Direct Mortgage Advisor will do is make sure they understand your financial situation. Naturally, they will provide honest advice and make a recommendation that is geared to your specific needs. Advice and service always come first at Shire Direct.
If you think you may have CCJs, or an adverse credit history, and you feel uncertain if you will be able to arrange a mortgage then why not get in touch with us here at Shire Direct. We have a range of special schemes designed to assist in even the trickiest of circumstances, whether its because of County Court Judgements, credit defaults, arrears, an IVA or even bankruptcy. Naturally, we'd love to help, so for further advice or information, please don't hesitate to call us in confidence on FREEPHONE 08000 282 281, our lines are open between 8.00am and 10.00pm including weekends, or enquire online anytime!
Are you worried and becoming stressed because you are having problems getting a mortgage or remortgage? Worry and stress no more! Here at Shire Direct we provide tailor made mortgage solutions to suit you, and can usually help with all kinds of circumstances including...
Remember, we're here to help, and would love to hear from you!
Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.
Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.
