Finance with CCJ's -Advice, finance, information and guides from finance brokers. If you have CCJ's lodged against you, obtaining a finance can be more difficult. Find advice, information and guides on finance with CCJ's, information on poor credit and bad credit finance, advice on finance arrears, guides on finance with county court judgements and solutions for bad credit finance through specialist finance brokers. Getting finance with CCJs is not easy. In fact, getting finance with a CCJ can be very difficult.

A CCJ (County Court Judgement) is a judgement made against you by a County Court as a result of an unpaid debt.

All CCJ's are recorded and a note of the CCJ will be shown on your credit record. The only exception is if you pay off the debt in full within thirty days of receiving the CCJ judgement from the County Court.

People get CCJs against them for all sorts of reasons. Often it is through no fault of their own. It might only take a month or so off work through redundancy or ill-health for someone to fall behind with payments on a loan or other debt, and end up being taken to court and receiving a County Court Judgement.

Even once you have paid off the debt that you got the CCJ for, your CCJ will still appear on this Register of County Court Judgements, but it will be marked as satisfied.

The Register of County Court Judgements holds publicly available records of all CCJs and if you get a CCJ this will remain on the Register of County Court Judgements for six years.

Even a satisfied CCJ is likely to stay showing on your personal credit record and will mean you have a bad credit history when it comes to trying to get finance such as a secured loan.

However, as with all credit problems, there are finance lenders who are willing to consider offering finance or secured loans to people with CCJs.

In most cases, the finance advisers who work with Divadani Finance can usually help people who are trying to obtain finance with CCJs. As specialist finance brokers, they have a good knowledge of which finance lenders will offer finance to people with one or more CCJs.

So, if you have got CCJs or other forms of bad credit, but want to try to get finance or a secured loan, please use our enquiry form to contact a finance broker from our panel of specialists finance consultants.