County Court Judgment (CCJ loan) is a judgment for a debt to be repaid in the county court. A CCJ loan may hinder your possibilities to get other payday advances mostly if you have poor credit ratings. A CCJ loan can be a bit problematic but it is not impossible to remove it. If you receive a county court summons, the best thing you can do is paying your debt as soon as possible so that it is not harmful to your credit record and you can find credits and loans in the future.
The reason why some people get an unsecured loan is that their monthly income is not enough to get a secure one. A CCJ loan is a bad credit loan. Of course, you can remove a CCJ loan, but this task may be a bit exhausting.