When a person is unable to pay his creditors, a civil case can be brought to the County Court in England and Wales, or the Sheriff Court in Scotland. The court can make a judgment (or a decree in Scotland) against the debtor that then remains in force until such a time as the debt is paid.
Although having a CCJ(s) on record will not rule out the ability for an individual to get credit, they have to be considered in the context of the application as a whole...
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