CCJ's

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What is a secured loan?: Secured loans enable homeowners to borrow capital against the value of their property. This means that you are effectively using your property to guarantee the loan. If you cannot keep up with the repayments, your home is at risk.
Will the loan company contact my employer?: Firstly, a loan company will never contact your employer without your consent.
Why would my Loan application be turned down?: If a lender decides that you are a bad risk for a loan, they will reject your application.
Do I have to pay any upfront fees?: You will not normally have to pay any upfront fees, this is because all the admin charges and other legal fees are incorporated into the APR. Any charges are therefore spread over the term of the loan, and not charged on an upfront basis.
I live at home with my parents, can I still apply for a loan?: If you live at home you are still eligible for a tenant loan – this is basically an unsecured loan in which you have no property to provide as security against the debt.

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.