CCJ's

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What is a Debt Consolidation Loan?: A consolidation loan offers the opportunity to put all your outstanding balances together into one block. This can include credit cards, personal loans and sometimes your mortgage.
Will the loan company contact my employer?: Firstly, a loan company will never contact your employer without your consent.
What is credit scoring?: Most of the major credit card companies use their own credit scoring systems – normally but not always in conjunction with a credit rating from a credit reference agency.
Can I defer payment?: This depends entirely on the specific agreement you have made with the loan company – and you must read your terms and conditions carefully to see if you are entitled to defer your payments at any point.
What happens if I can't meet the loan repayments?: If you are having problems repaying the loan, you will need to talk to your lender straight away to discuss the problem.

A county court judgement is a judgement issued by the country court in order to recover an unpaid debt. You will have been issued a CCJ for not paying or being unable to contribute to debt repayments in a sufficient manner to meet the terms of a financial agreement. You could be issued with a CCJ for non-payment of credit card or loan debts, and also for things like council tax and utility bills. Before you are issued with a CCJ, you will normally have already been pursued by an independent debt collection company.

If you have a CCJ on your credit record then it will naturally affect your ability to get a loan. However you will still be able to get credit, albeit with a higher APR than you see advertised. Freedom finance can still arrange loans for people with CCJ's through this website, so request a loan quote today and a loans adviser will contact you with some competitive quotes.