CCJ is a county court judgement issued to borrowers who fail to pay off the debt after several rollovers. Having a CCJ on your credit report means your credit score is very bad. Not all direct lenders will entertain your loan application. Some lenders may sign off on payday loans with CCJ provided your credit report shows settled CCJ. Since you are in the category of very bad credit borrowers, you will end up paying high interest rates. The CCJ may show up on your report for six years therefore you will likely face difficulty getting a better deal down the road.

Hey. My friend had a similar problem. He had a low credit rating and for a long time, he could not get loan approval. Fortunately these days, many payday loan direct lenders high acceptance are highly recognized online. Turning directly to lenders, your chances of getting money are much higher. The main thing is to show and convince the lender that at the moment you can pay the debt. You can also pay attention to professional quick loan reviews.