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The number and total value of judgments registered against Irish consumers saw very large percentage rises in the second quarter of 2021 (Q2 2021) compared to the same quarter last year, figures released today by registrar Irish Judgments show.

The number of judgments registered against Irish consumers in Q2 2021 was 307, an increase of 358 percent on the 67 seen in the same quarter last year. The total value of registered debt owed by consumers in Q2 2021 was over €30 million, sixteen times higher than the €1.8 million seen in Q2 2020. But, care must be taken with large percentage rises like this as the number and value of judgments in Q2 2020 were artificially low due to interventions designed to protect households from the financial effects of Covid.

The average value of consumer judgments registered was also much higher at €98,780, more than three and a half times the €27,523 seen in the same quarter last year. But, the median value was actually 20 percent lower at €6,050 compared to €7,571 in Q2 2020. This suggests a pattern of more, smaller judgments with a number of very large judgments pushing up the overall average.

Judgments against Irish businesses also rose significantly. Numbers of judgments registered nearly doubled from 63 in Q2 2020 to 124 in Q2 2021. The total value owed in Q2 2021 was €1.4 million, more than three times the €440,462 in Q2 2020. The average value of business judgments was up 62 percent from €6,991 to €11,297. The median value also rose from €4,876 to €5,709, an increase of 17 percent.

Mick McAteer, as Registrar, commented: “Government and regulatory interventions, and creditor forbearance, were clearly protecting Irish consumers and businesses from the full financial effects of Covid last year. Care should be taken in interpreting the very large percentage rises in judgments reported now, as figures were artificially low in the same period last year. But, judgment numbers would now seem to be on the rise again, creating concerns that the Covid financial crisis is far from over for vulnerable consumers and businesses.”

- Ends –

Q2 2020 Q2 2021 Change (compared with 2020)
Judgments against consumers
volume 67 307 358.2%
total value €1,844,042 €30,325,508 1,544.5%
average* value €27,523 €98,780 258.9%
median value €7,571 €6,050 -20.1%
Judgments against all businesses
volume 63 124 96.8%
total value €440,462 €1,400,844 218%
average* value €6,991 €11,297 61.6%
median value €4,876 €5,709 17.1%
Judgments against incorporated businesses
volume 40 107 167.5%
total value €307,189 €1,151,768 274.9%
average* value €7,680 €10,764 40.2%
median value €6,026 €5,729 -4.9%
Judgments against unincorporated businesses
volume 23 17 -26.1%
total value €133,273 €249,076 86.9%
average* value €5,794 €14,652 152.9%
median value €1,646 €4,515 174.3%
volume 1 38 n/a*
total value €1,262 €3,034,965 n/a
average* value €1,262 €79,868 n/a
median value €1,262 €4,444 n/a

For more information please contact

+44 207 391 7287

Notes for editors

Irish Judgments is part of Registry Trust, a non-profit company established in 1985. Registry Trust maintains public records of judgment and decree information for all jurisdictions in the British Isles and Ireland.

Irish Judgments holds a public register of judgments registered at the Four Courts in Dublin.

The figures are based only on judgments registered at the request and cost of creditors at the Four Courts in Dublin and therefore provide only a partial picture of debt in Ireland.

Judgments can be removed from the register if paid in full within one calendar month of the issue date and Irish Judgments is informed, but will otherwise remain registered for six years. If fully paid outside the one calendar month, the defendant can apply to have the judgment marked as ‘satisfied’ to improve their credit rating.

Anyone may search for entries against a named person or business at a stated address or a corporate body in the Republic of Ireland, Northern Ireland, Scotland or England and Wales by visiting Registry Trust’s website or by writing to Irish Judgments at Irish Judgments, Ulysses House, Foley Street, Dublin 1.