If you fail to pay a debt to a lender, they can apply for a judgment from the courts. This judgment will require you to pay back what you owe them including fees, charges and interest.
Any court judgments that appear on your report will stay on file for 5 years.
For more information on judgments you can call the courts on 0800 268 787. If they're unable to help with your question, they'll refer you to the appropriate court.