Check Your CCJ Options
Understand what options you have if you have received a county court judgment or are trying to recover a debt.
CCJs & Debt Recovery in Cardiff
County court judgments (CCJs) affect thousands of people in Cardiff every year. Whether you owe money or are owed money, understanding how CCJs work — how they are obtained, how they can be enforced, and how they can be challenged — is critical. The Cardiff Civil Justice Centre handles local debt claims and enforcement proceedings.
Debt Recovery Law Guides
Letter Before Action: How to Demand Payment Before Going to Court
A Letter Before Action is a formal written demand that must be sent before starting court proceedings for most debt claims.
County Court Money Claims: How to Sue for Money Owed in the UK
Money Claims Online (MCOL) allows you to make a court claim for up to £100,000 entirely online.
County Court Judgments (CCJs): What They Mean and How to Deal With Them
A CCJ is a court order requiring you to pay a debt. It stays on your credit file for 6 years.
Statute-Barred Debts: When a Debt Becomes Unenforceable
Most debts become statute-barred (unenforceable through the courts) after 6 years under the Limitation Act 1980.
Small Business Debt Recovery: Getting Paid What You Are Owed
The Late Payment of Commercial Debts (Interest) Act 1998 gives you an automatic right to charge 8% interest above the Bank of England base rate on overdue business invoices.
Local Resources in Cardiff
2 Park Street, Cardiff CF10 1ET
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