Loans If You Have A CCJ
Among the different sorts of services we offer at Cockle Finance are a selection of loan types that are suited to people who have county court judgements, or CCJs, against them. Typically, a CCJ will be handed down to someone in the county court when it is acting in the capacity of a small claims court. The judge will make what is known as a money order. This is a court judgement that finds one party owes money to another. Typical CCJs will specify how quickly such a debt must be paid off and what level of instalment must be met to prevent being in breach of the order.
Why A CCJ Will Affect Your Credit
The problem that many people with CCJs face is that they find it hard to source credit. This is often because a CCJ will usually mean that their credit score drops, meaning that many high street lenders will consider them to be too high a risk. Even if you have paid off your debt through a CCJ – or are shortly to do so – the same issue can arise. This means that getting a loan can become almost impossible.
This is where Cockle Finance can be so helpful. We help people who have poor credit histories for all sorts of reasons, including having one or more CCJ against them. We will assess your request for credit and work out a repayment schedule that is affordable given your current financial circumstances. We can act as a broker and find a suitable lender on your behalf or, alternatively, we will finance your loan for you ourselves. Either way, we operate as specialists in the field of CCJ-friendly loans and can bring our expertise to bear so that you obtain a source of finance that meets your needs in full.
Obtain a Loan Despite Your CCJ With a Direct Lender
You can call or apply for a loan online with us directly. At Cockle Finance, we can provide you with pay weekly loan arrangements, offer short-term or cash loans or we can even arrange for a doorstep loan whereby we will collect your repayments from you in person each week. In short, whatever your borrowing needs might be while you service a CCJ, we will have a suitable way forward that allows you to borrow the sum you need.
Once your loan has been issued, you can spend it on whatever you need the money for. Whether you need to get your car repaired, pay for a new domestic appliance or cover some unforeseen expense, our loans will provide you with the flexibility and affordability many people with CCJs are looking for.
Why Choose Cockle Finance For a Loan When You Have a CCJ?
As an award-winning loan provider based in Essex, we have all of the know-how to provide people with CCJs the credit they often need but cannot source elsewhere. Our professional agents will be delighted to assist you with any enquiry and to come up with a loan proposal that is competitive and affordable. Why not apply today?