Completing an Individual Voluntary Arrangement (IVA) does not automatically mean every included County Court Judgment (CCJ) has been paid in full. A judgment is normally marked satisfied when the judgment debt has been paid in full, not simply because a reduced amount was distributed through an arrangement.
Why the distinction matters
An Individual Voluntary Arrangement (IVA) may settle creditor claims for less than the original balance. Completion can prevent further recovery of included debts according to the arrangement, but the court register uses its own satisfaction and cancellation processes.
Check these documents
- The original judgment and claim number
- The Individual Voluntary Arrangement (IVA) proposal and creditor schedule
- Dividend and completion information
- Whether the judgment amount was paid in full
- The current Register of Judgments entry
Certificates of satisfaction and cancellation
GOV.UK explains that Form N443 can be used to apply for a certificate of satisfaction where an order was paid after one month, or cancellation where it was paid within one month. Evidence may be required if the creditor will not provide confirmation.
Get individual advice
The effect of an Individual Voluntary Arrangement (IVA) on a particular judgment depends on its terms and payment history. Do not apply for a certificate stating full payment unless that is accurate.
See GOV.UK guidance on judgments and credit records, and use Budget Legal Advice for connected general legal information.
Related articles
General UK information only, not personal financial or legal advice. Rules and remedies differ across the UK. Free, confidential debt advice is available through MoneyHelper’s debt-advice locator, StepChange and National Debtline.