Laura Pomfret
On May 22nd, finance expert Laura Pomfret appeared on Morning Live to address the increasing prevalence of County Court Judgments (CCJs) across the United Kingdom. In Scotland, these are known as decrees, and are issued when individuals fail to repay outstanding debts.
During her appearance, Pomfret provided insights into the factors driving the rise in CCJs. She also outlined options available to individuals who receive a CCJ and offered guidance on preventing unpaid debts from escalating into court cases.
For detailed information on the necessary steps and court forms required to request a modification of CCJ or decree terms—such as payment arrangements in installments or even cancellation of the judgment—please refer to the resources provided in the links below.
For England, Wales, and Northern Ireland, please click here., external
For Scotland, please click here., external
Pomfret also touched upon the availability of temporary protection measures that can shield individuals from creditors while they seek debt advice and formulate a repayment plan.
In England and Wales, this protection is known as Breathing Space. Further information can be found by clicking here., external
In Scotland, this is referred to as a moratorium. Additional details are available here., external