If you have had a County Court Judgement (CCJ) registered against you in the last 30 days, you can cancel a CCJ and have it removed from the register stopping it from adversely affecting your credit rating.
To ensure that you can cancel a 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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COVID-19 We are operating as normal, dealing with our existing client’s cases and we welcome new enquiries at this time.
We appreciate that you may not have the time or knowledge to deal with a CCJ fast and efficiently, and time is of the essence. Our specialists are on hand to give you the peace of mind your CCJ will be handled professionally. We pride ourselves on a service which:
We have developed our service to ensure that your CCJ is cancelled as quickly as possible, providing you with all the support you need to resolve the issue.
If you have paid the Judgement in time, then let us make sure you are CCJ free and avoid any unnecessary delays.
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 to cancel 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. The court application looks like a simple form and it is, if you know what you are doing.
However, it is highly advisable to get some legal assistance, advice and guidance as if you make an application that is incorrect it is likely to be dismissed and then it will be far more difficult and perhaps costly to go back to the court again.
In some cases, where required and if we have time we will speak to the claimant or their solicitors to establish the basis of the claim and the timescales as to when the claim was made, what it was for and why they sent the papers to the wrong address.
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 this can lead to the claimant agreeing to cancel a CCJ.
Once you have sent your information back to us, we will assess your case and advise you the likely prospect of CCJ being removed, this is free of charge. If you would like more information about our services to cancel a CCJ we will send you details of our charges and our terms and conditions before you make any payment or proceed with the service.
We are Licensed and Qualified team of experienced paralegals and such we can also arrange court representation via our network of Court Advocates. We are also Licensed by the Bar Standards Board and able to arrange a Fully Qualified Barrister should your case be complex and require that extra level of care and attention to detail.
Paying the CCJ after 30 days has passed since the Judgement was registered will have the judgement simply marked as satisfied and this will not remove the judgment from the public register or your credit file, you are at liberty however to contact the court and request a certificate of satisfaction which is evidence that you have paid the judgment debt in full.
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.
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.
These final reasons are why it is so important to cancel a CCJ. Not the value of the fine, but the longer term implications a CCJ can have on big life changing events.
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.