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A BBC expert has warned more than 270,000 people in England, Wales and Northern Ireland

More than 270,000 people across England, Wales, and Northern Ireland have received letters through the post, according to a BBC expert – and those who ignore them could find themselves facing court action. Viewers of BBC Morning Live were recently warned about the thousands of letters connected to county court judgements that have been dispatched over the past 12 months.

Expert Laura Pomfret explained to viewers that a County Court Judgement (CCJ) is essentially a court order issued in England, Wales, and Northern Ireland when someone fails to repay a debt and the creditor pursues enforcement action. She noted it could come from a council, company, landlord or a private individual – and if left unpaid, it can appear on the person’s credit report.

She said: “I think that’s what a lot of people resonate with that they’ve heard of CCJs can be bad for your credit. They stay on your credit report for six years. It can impact you getting a mortgage, even getting um a rental property. Sometimes credit checks are done, even when getting a mobile phone contract.

“It’s definitely something to avoid if someone can avoid it, and worryingly, in the first quarter of this year, over 270,000 new CCJs were registered, and that’s 17.5% up on last year. So this is obviously showing that people are struggling and in the energy industry is something that you know it’s it’s getting bigger and bigger.” She explained that these are frequently issued to those falling behind on energy bills — with the latest Ofgem figures revealing debt standing at £4.5 billion — while Energy UK puts the figure even higher at £5.5 billion.

She added: “That’s like such a big bill that lots of people are pay and people pay every month clearly struggling with it. And interestingly as well, credit card transactions in February were up 6% versus last February whereas debit transactions were only up 1%. And that also shows, you know, that people are having to rely on credit for even the most basic of bills.”

Ms Pomfret noted that receiving a CCJ typically follows a series of threatening letters, meaning the householder will already be feeling anxious. She said: “Firstly, it is upsetting to receive a formal document like that. If you get that through the post, it’s got a court seal on it it’s very formal. It might have followed you, you know, debt demand letters with red writing all over, which is overwhelming.”

“Firstly don’t be overwhelmed is easy to say but don’t be alarmed like it’s just a formal process it’s essentially a document asking you asking you for money and so it if it comes through the post you it will tell you what you owe it’ll tell you how to pay it and it will also tell you the deadline by which to pay so you have a few options when you receive a CCJ.” She explained that the first option was to repay the debt – and if someone does so within a month, it could be removed from their credit file. She said: “After that, it stays on your report, but it says that you paid it. So, please make sure you prioritise paying it.”

It’s also possible to vary the terms of a CCJ, she noted, which involves approaching the court to attempt to alter the conditions of the judgement. “Another thing that you may be able to do is apply for what’s called breathing space. So this is formerly called in England and Wales the debt respite scheme. “What this does is it gives you space from creditors, including the CCJ, and maybe gives you time to make a plan to pay it back or speak to a debt advisor, which is super helpful. The last thing that you may be able to do is you may actually be able to get the judgment or CCJ set aside. or recalled if you believed um that it’s an error.””

She stressed that there would need to be a legitimate reason to apply for it to be set aside, including submitting evidence, primarily that the individual doesn’t owe the money or that it’s a mistake. She added: “Another reason is that you didn’t receive the original claim form. So before a CCJ is issued or a decree is issued, you will get a claim form put forward and there’s an opportunity to respond.

“So you could have, for example, the wrong address, it could have been sent somewhere else. You may not have received it. Now, the court’s not going to take kindly to just saying, ‘I didn’t receive it.’ It’s kind of like the dog ate my homework sometimes for some people, but you may genuinely not have done. So that could be an option. Ultimately, you’re going to need evidence, you’re going to have to fill in the correct forms. You may have to pay fees to get it set aside, but you know, in the long run, it may be worth doing tha if you don’t want it to damage your credit.”

To find the steps and court forms involved in asking a court to vary the terms of a CCJ or decree, such as requesting to pay in instalments, or even how to get a judgment cancelled, you can click on the links below.

For England, Wales and Northern Ireland you can click here.

For Scotland you can click here., external

There temporary protection from your creditors while you get debt advice and make a plan.

In England and Wales this is called Breathing Space, and you can find information on that by clicking here., external

In Scotland this is called a moratorium, and you can find more information on that here.

COVINGTON, Ky. — Rep. Thomas Massie was stuck in Washington for a vote on Capitol Hill, so one of his supporters made the pitch for his campaign in a banquet hall packed with Republicans in northern Kentucky.

The audience had just heard Ed Gallrein, who was drafted by President Trump to run against Massie in next Tuesday’s primary, describe the congressman as suffering from “a severe case of Trump derangement syndrome.”

Then Gex Williams, a state senator backing Massie, told the audience at the Lincoln Day Dinner not to worry about all that.

“If you are thinking that you can’t be for President Trump and for Thomas Massie, you certainly can be,” Williams said.

Whether voters agree will determine whether Massie’s political career survives Trump’s most aggressive attempt to purge the Republican Party of dissenters. The president already succeeded last week in dislodging several Indiana state senators who opposed his redistricting plan, and he’s supporting a primary challenge against U.S. Sen. Bill Cassidy in Louisiana on Saturday.

But nothing compares to the vitriol against Massie, whom Trump has called a “moron” and a “nut job” who “will go down as the WORST Republican Congressman.” Trump made an unusual trip to Kentucky to campaign against Massie, and some of the president’s top advisors are working to help Gallrein, a former Navy SEAL.

Massie angered Trump by voting against his signature tax legislation over concerns of adding to the national debt, pushing for the release of the Jeffrey Epstein files and opposing his decision to go to war with Iran. His positions, Massie insists, reflect the America First promises Trump initially made on the campaign trail.

In a Kentucky district where the president won by 35 points two years ago, Massie told the Associated Press that the upcoming primary is “by far the most challenging reelection I’ve ever faced.”

Party loyalty or ideological purity?

The race is playing out across Kentucky’s 4th Congressional District, which sweeps northeast from the outskirts of Louisville along the Ohio River, through the suburbs south of Cincinnati and over to the lush foothills and old coal towns of Appalachia.

Voters here have sent Massie back to Congress ever since his first election in 2012, embracing his stalwart independence and jaunty personality. Back in 2020, they brushed off Trump’s social media demand to “throw Massie out of Republican Party” because he was a “third rate Grandstander.”

Now, Republican voters are debating whether they will do the same thing again.

“If all we’re doing is pulling in yes men, then how do you grow from that? How do you have the best end product if everyone just says, ‘Oh yeah, that’s a great idea,’” said Tonya Young, an attendee of the Lincoln Day Dinner who is leaning toward Massie but still undecided.

“However, I do feel like it’s important to stay loyal. That’s where, I’m like, I’m a hot mess,” said the 57-year-old special education teacher. “Sometimes you have to just bite the bullet and compromise on things.”

Young said she will plumb through the Republican-backed bills that Massie voted against before she makes up her mind. What isn’t a major part of her calculation is Trump’s endorsement of Gallrein or his epithets against Massie.

Young still supports Trump, rating his second term at a “B to a C+” relative to his campaign promises. During Trump’s first term, Young said, she’d “probably put more stock in” his endorsement.

‘I’m going to vote for Massie even though he makes me mad’

At the Lincoln Day Dinner in Covington, well-dressed Republicans sat at circular tables, ate dinner and listened attentively as candidates gave speeches.

Steve Jarvis, a 77-year-old retired law enforcement officer, who stood near the late night coffee station, has decided to vote against Massie for the very first time.

“Made me sad, truly it does,” said Jarvis, wearing a bespoke American flag bow tie made of feathers, “I like Massie.”

When Massie first ran for Congress, Jarvis bought a Massie campaign sign, sized for a freeway overpass, and planted it outside his home, a few doors down from which lived Massie’s opponent.

But some of Massie’s departures from the party, he said, “made me nuts. I can’t do it anymore.”

One was Trump’s flagship Big Beautiful Bill, which Massie voted against citing the consequent budget deficit and increased inflation.

“I understand voting your principle once or twice,” said Jarvis, “but at some point in time when it becomes crucial, I think they have to get in line.”

Gallrein, he said, would get in line.

Jana Kathman came to a different conclusion.

“I’m going to vote for Massie even though he makes me mad,” she said while shopping for bagels at a local farmers market outside Covington.

The 56-year-old registered nurse said, “I just like him as a person, I like how he lives his life, and I know he stands very strong with his convictions.”

Though she still likes Trump, his endorsement and attacks don’t impress her.

“I don’t like when Trump plays the little games as soon as someone opposes him, but we know that’s how Trump lashes out,” Kathman said.

‘Antibodies’ to Trump’s electoral broadside

Gallrein mounted the stage at the Lincoln Day Dinner with a prepared speech. He grew up on a family farm, was inspired by President Reagan to join the Navy SEALs and was recently asked by Trump to serve his country again in Congress.

He hyped up Trump — “Do you know he doesn’t take a salary?” — and launched into a list of Trump-backed policies Massie had voted against, lumping him in with the “radical Democrats.”

Gallrein declined an interview request, and he’s declined to attend candidate forums and debates with Massie.

Several voters said they were grateful for Gallrein’s service, but still don’t have a grasp of his platform, aside from his fidelity to Trump.

Massie argues that’s why Kentucky should stick with him, using what has become a go-to refrain.

“Politicians promise during the campaign, and then they go to D.C. to go along to get along,” he said. “My opponent is promising to go along to get along.”

Massie is hopeful that Trump’s anger will blow over once he wins the primary.

“Once this race is over, I don’t think there’s any benefit to him attacking me, I’ll have the antibodies from a natural infection,” Massie said chuckling.

After years of being considered a conservative gadfly in Congress, he said, maybe he has some of those antibodies already.

“This will be the booster shot,” he said.

Bedayn writes for the Associated Press.