Specialist CCJ Removal Service
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This is a Judgment 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 £275. 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.

Of course. You can view our Terms and Conditions by following THIS LINK (the page will open in a new tab on your browser).

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 0161 393 6826 and get your CCJ Removed.