If you have had a County Court Judgement (CCJ) registered against you in the last 30 days, you can cancel the CCJ and have it removed from the register stopping it from adversely affecting your credit rating.
To ensure that you can cancel the CCJ in a timely manner:
If you fail to pay the debt within 30 days it can no longer be removed by simply settling the outstanding fee. In this instance the CCJ will remain on your credit report for six years impacting your ability to successfully apply for a loan or mortgage, and may even prevent you gaining employment with certain organisations.
After six years, whether the debt has been paid or not, the CCJ will lapse and be removed from your credit report. If the debt is still outstanding the creditor will need to reapply for the CCJ.
Specialist Fixed Fee Professional CCJ Removal Services
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Free review of your case to establish the legal grounds for your CCJ to be removed
If you have legal grounds we will explain the legal process, our service, and our fixed fee
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Offices based in London and Manchester
TRUST US TO HELP REMOVE YOUR CCJ AND IMPROVE YOUR CREDIT RATING
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Having an outstanding CCJ on your credit record can make it nearly impossible for you to get credit as it will show on your file as a Court Judgement for an Unpaid Debt. Even debts paid late will remain on your file marked as satisfied but still impacting your credit record for 6 years.
The most common examples of this are parking tickets. The DVLA can be slow to update their records so if you have recently moved house or sold your car, parking tickets my get sent to the wrong location. Other examples include, Utility Companies, Mobile Phone Companies, and Debt Collection Agencies. Some debts for which a CCJ has been issued can be as low as £0.01p… Yes, a CCJ for a debt of 1 penny. This happens all the time.
This practice has been widely reported in the press with those finding they have a “Mystery CCJ” declined for mortgages, tenancy agreements or new car finance. Some of whom were in the middle of moving to a new house and the CCJ blocked them from completing the process.
We offer a specialist fixed fee service, unlike CCJ Removal Solicitors who will charge by the hour, we offer a clear explanation of our charges at the outset so you know what you are signing up for. In addition, there is really no such thing as a CCJ Removal Solicitor per se, Solicitors are by their very nature “general legal advisors” and will advise all types of law, family, matrimonial, conveyancing, and wills and probate etc. Much like a medical GP. However the difference is that when you go to see your GP and you need specialist advice they refer you to a Specialist Consultant and indeed that is what we are, we are not CCJ Solicitors but we Specialise the this very niche and complex area of CCJ removal law. Our claim to some degree of fame is that we often get so called CCJ Solicitors calling us for guidance as to how to remove a county court judgment…High praise indeed! We have also had a number of clients that have instructed CCJ Solicitors or a general practice of local solicitors and they have not been able to assist our client, where we have later had the Judgment set aside or removed from the public register, which means that this is also removed from your credit file.
If you have the time, patience, and a good legal understanding of the process, yes.
Be mindful though that time is a factor. The 30 days starts from when the Judgement was lodged not from when you start rectify it. So the clock is ticking meaning now is not the time to be learning the process from scratch.
Parking fines are one of the biggest causes of CCJs in the UK due to the low level nature of the fine they can easily be missed. We have successfully dealt with many parking fine CCJ cases to help improve our clients credit reports.
One of the biggest operators in the UK are Parking Eye based in Chorley in the North West of England. They have contracts with land owners to manage their parking restrictions and issue Penalty Charge Notices (PCN’s) if you breach the Terms and Conditions of the Parking Regulations. Parking Eye have a contracts with many sectors such as; NHS Hospitals, Retail parks, Pubs & Restaurants, Supermarkets and Hotels.
Dealing with Parking Eye directly can be difficult as they are not contactable by telephone, they only have a “payment line” and can take some time to respond to emails.
Regardless of this Lender & Court Services do have a good working relationship with Parking Eye and we have had many Parking Eye CCJs removed from our clients credit reports.