Fixed Fee CCJ Removal Service Licensed & Qualified 5-Star Rated Service
Offices based in London and Manchester
TRUST US NOW TO HELP YOU REMOVE IT AND IMPROVE YOUR CREDIT RATING
Call us Now on 0345 548 4345
We offer a free review before trying to remove a CCJ to establish if their are legal grounds.
If you do have legal grounds we will explain the legal process, our service and our fixed fee*
Lender & Court Services Ltd work in partnership with SRA Regulated Solicitors and we have been removing Parking Ticket CCJs that were sent to the wrong address since 2015.
We have developed good working relationships with all the parking enforcement companies such as Parking Eye, Civil Enforcement, Excel Parking, Gladstones Solicitors, BW Legal, Euro Car Parks and many more.
We have hundreds of 5 star reviews for our Parking Ticket CCJ service and we have helped many front line key workers such as Nurses, Doctors, Police and Care Workers that have been given a ticket mainly due to them parking at work. We have helped many self-employed workers that have been given a ticket while attending a customer’s premises. We have helped people assisting an elderly or disabled relative. We have helped with every type of parking ticket CCJ and we can help you.
This service is especially for those that have had a CCJ registered for Parking Ticket where the Court Claim Form was sent to an old address.
To have a CCJ on your credit record means that it will be virtually impossible for you to get credit, as it will show on your credit file as a Court Judgement for an Unpaid Debt. This can prevent you getting all sorts of finance so ensuring you remove a CCJ can save you serious heartache in the future.
Most common examples of this are Parking Ticket companies, where a ticket is issued for a car that perhaps you have sold.
This practice has been widely reported in the press with those finding that they have a “Mystery CCJ” and people have subsequently been declined for Mortgages and Tenancy Agreements or new car finance, some of whom were in the middle of moving house and the CCJ blocked them from moving to their new home. More information. These long term blocks on life changing events are the main reason we help people remove a CCJ.
The CCJ will remain on your credit file and the public register for 6 years from the date it was registered. If you are experiencing general debt issues we strongly encourage you to seek authorised and regulated debt advice and we would recommend that you contact Step Change or Payplan who offer free debt advice. If you are looking for free legal assistance we advise you to contact the Citizens Advice Bureau.
We will assess your case and examine how the CCJ came to be on your file and why you were not informed about it. This is not uncommon as there are many companies that systematically make claims for small amounts of money that can lead to people needing to remove a CCJ.
If the papers for this debt are served on your previous address then you are likely to end up with a County Court Judgement “in default”. This is because you have not replied to the court claim. If this is the case we can help you to make an application to set aside the County Court Judgement until the debt is either paid or formally disputed.
We can assign one of our experienced case workers to your file and they will help you to draft the required application in a legally correct format.This is one of the first steps when looking to remove a CCJ.
They also help you to collate the required evidence to demonstrate that the CCJ should be set-aside on the correct legal grounds. It is highly advisable to get some legal assistance when filling out the form. If you make an application that is incorrect it can be dismissed, making it far more difficult and costly to go back to court again.
In some cases, we will speak to the claimant or their solicitors. This is to establish the basis of the claim, the timescales, when the claim was made, and what it was for.
Subject to the service level that you opt for we will try and negotiate that the claimant will agree for the Court Judgement to be set aside whilst we are helping you to resolve the issue of the actual claim. In some cases a claimant might even agree for our request to remove a CCJ.
Having any record of defaulted payments and CCJ’s on your credit file can impact your ability at gaining credit and can limit your borrowing options.
If you find yourself in debt a company can try to reclaim their money via a CCJ (County Court Judgement). This will always result in
1. What is a CCJ? Many people are aware ‘CCJ’ is shorthand for ‘County Court Judgement’. But this knowledge can sometimes create even more misconceptions
It depends. To answer your question ‘If I pay a CCJ will it be removed’ accurately we need to discuss two scenarios. Firstly, if you
Check out The Parliamentary Review’s article on Lender & Court Services!
This is a Judgement that a County Court Judge makes when someone has failed to pay money they owe to another party. The process starts by the claimant making a claim to the court and the court will then send you, the defendant, the claim and ask for you to either, admit that you owe the money and pay the claim in full, admit to part or some of the claim or defend the claim if you think that you do not owe the money at all. Whatever you decide to do – you must respond in 14 days.
If you agree that you owe the money even once a Judgement is made if you pay the debt within 30 days then there is no record of the action that has been taken recorded on your credit file and you will not have get a CCJ.
If you don’t reply to the court papers in the 14 days allowed, or don’t receive them, and such cannot reply, then a Judgement will be issued against you. If you have a CCJ registered against you and don’t pay an order can be made to take money out of your wages, A charge can be put on your property, your bank accounts can be frozen and bailiffs can be sent to your home to collect the money or goods to the value of the claim and the extra costs, charges and default interest.
A CCJ is also put on your credit file for six years warning banks and financial institutions that you have a history of debt. If you have an unpaid CCJ it will be virtually impossible for you to get a Mortgage, Credit Card, Car Finance or a Loan, especially from a high street provider and you would be forced to use a more “subprime” lender and even if this is available it will cost you much, much more for any credit that you obtain.
When someone makes a County Court Claim against you, you will be sent a Claim Form which explains how much the person is claiming and why they are taking the action, this is called “Particulars of Claim”.
You must respond the court papers in 14 days as if you do not then the court will issue a “Default Judgement” as essentially the court will believe the claimant without hearing your side of the issue.
There many cases, where you have discovered that you have a CCJ and did not receive the original paperwork and a Default Judgement has been made where you can make an application to the court to set-aside the judgement. This doesn’t mean that the matter is closed, it simply means that the claimant has to start the process again, should they wish to.
The way to find out if you have a CCJ is to check your credit file, there are a number of services available online to check this such as Equifax, Experian, or Noddle. This is the first step to checking what is registered against you and we would need to see this in order to help you.
Once you discover that you have a CCJ you need to act promptly. You can apply to the court to have a CCJ set-aside and the Court Fee is £255. This is the correct process if the CCJ was entered onto your credit file incorrectly, for example that you did never owed the money and you can prove it. Other reasons may be that the papers were sent to an old address and you never had the chance to defend, pay, or deal with the claim.
Remember that if a CCJ is set-aside due to failure of service in that you did not receive the papers from court and if you are successful the court will automatically remove the CCJ. However, that might not be the end of the problem as the person who made the claim may wish to re-issue proceedings to recover the debt, so you need to either have a defence to the claim or be prepared to pay the original debt in order for the matter to be concluded once and for all.
You must respond the court papers in 14 days as if you do not then the court will issue a “Default Judgement” as essentially the court will believe the claimant without hearing your side of the issue.
There many cases, where you have discovered that you have a CCJ and did not receive the original paperwork and a Default Judgement has been made where you can make an application to the court to set-aside the judgement. This doesn’t mean that the matter is closed, it simply means that the claimant has to start the process again, should they wish to.
The way to find out if you have a CCJ is to check your credit file, there are a number of services available online to check this such as Equifax, Experian, or Noddle. This is the first step to checking what is registered against you and we would need to see this in order to help you.
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Our Head Office is based in Timperley in South Manchester, with Manchester Airport and junction 19 of the M6 10 minutes away. The Lender & Court Team offer a national service and as a team we have over 30 years’ experience in dealing with court procedure.
Have you discovered that you have a CCJ you knew nothing about? Did you not receive the court papers? Were they sent to an old or wrong address? If so we can help, Call the team now for a free review of your case on 0345 548 4345 and get your CCJ Removed.
Remove a CCJ Today
Call 0345 548 4345
Call the team today for a Free Case Assessment**
We will explain your rights, how our services work, and how we can remove a CCJ.
To provide a Free Case Assessment we will use our best endeavours to assess your case. Solely based on the information provided by you in our initial call we will try to establish if you have legal grounds to ask the court to Set Aside your Judgement (remove a CCJ). However, there are occasions where a case can be too complex or of too high value for us to do this and in such circumstances, we will advise that we can instruct a fully qualified Barrister to provide a written legal opinion at a fixed upfront cost. This is an essential component of our service as we are licensed by the Bar Standards Board and this enables us to provide clients with access to high quality professional legal advice at a reasonable cost. In such cases the Barristers opinion becomes your property, and you are not obliged to continue with any further services from Lender & Court Services Ltd. The Barristers opinion will be offered to ensure that we are always giving clients the best advice from the first enquiry that they have made with Lender & Court Services Ltd. There may also be circumstances where we have provided a Free Case Assessment and further information about the case is discovered after we have started the work. This also may dictate that we must then instruct a Barrister to provide a written legal opinion to ensure that you are taking the correct course of action and to protect you from becoming liable for the claimants costs.
Lender & Court Services Ltd Company Registration Number: 09430665 Registered Office: Paul House, Stockport Road, Timperley, WA15 7UQ
working in partnership with
Precision Solicitors Limited Company Registration Number: 10779851 Registered Office: The Old Police Station, Hind Hill Street, Heywood, England, OL10 1AQ
Precision Solicitors Limited are Regulated by the Solicitors Regulation Authority under SRA Number: 645143
and their listing on the SRA website can be found here