What Are CCJ's

CCJ’s are one a major influence on your credit rating, one small CCJ can bring great damage to an otherwise unblemished credit track record, thus making it difficult or at the very least far more costly for you to get consolidation loans, a mortgage or remortgage or even something as basic as a credit agreement for a new HIFI or mobile phone.

A CCJ recorded to your credit file is therefore to be avoided if at all possible, always try to settle disputes before they get to court and if your finances are out of control take action before the courts do by getting advice from a company such as credit repair UK, however if you are unfortunate enough to have accumulated one or more CCJ's already then we can attempt a credit repair program which may help.

Call  0845 6432954 now! or complete the get help now form.

There are no guarantees of total success with a CCJ removal program and before instructing us to act on your behalf you should read the valid reasons section below to check that you have a case for CCJ removal.

We appreciate that many people want to remove their CCJ's so that they can consolidate their debts, or raise money for other purposes. With those needs in mind we have arranged special schemes with our strategic partners for loans, for people who have CCJ's on their credit file. If you are looking to have your CCJ's removed before raising the finance you require please contact us first as we may have a plan readily available for your current circumstances. Just complete our online enquiry form and one of our highly skilled advisors will call you back.

Reasons Why CCJ's Can Be Removed

To have your judgment set aside you will need to put forward a valid reason why. You must keep your reason as clear and simple as possible when submitting to the court. We have listed some of the main reasons below. If any of the following did not happen as they should have then you may qualify to have the CCJ put aside.

	were you given 28 days notice in order to pay the CCJ?
	Were you living at the address when the summons and CCJ hearing took place?
	If you took out a loan or any form of credit were you in receipt of the Default Notice before receiving the CCJ summons?
	Did you receive the CCJ summons? As they are not sent by recorded mail.
	Were you able to attend County Court and defend yourself? You have a right to a defense
	The CCJ should not appear on the credit files if it was paid up within 28 days. If you agreed to settle 'out of court' with the plaintiff you should not have received a CCJ.
	If you did not receive any notification of the CCJ made against you, then you can appeal.
	Did you agree with the full amount of the CCJ at the time, but now only agree with part of the amount?
	Was the CCJ taken out against both yourself and another person jointly. If this is so, did you both receive your summons? It could have been that you were away from the time between the issue of the summons and entry of the CCJ?
	Did you receive the CCJ summons on time for you to apply to the court. You have 21 days to reply to the court. If the summons was 21 days late then the CCJ would have already been taken out against you?
	Did somebody use your name or address to obtain credit, which resulted in a County Court judgment without you knowing?

Call  0845 6432954 now! or complete the get help now form.

If the plaintiff (the person who registered the CCJ) did not follow the steps above then you may have good cause to have your CCJ set aside. Remember that very little correspondence sent by the courts or the plaintiff is ever recorded.
In many cases plaintiffs fail to comply with every detail and therefore leave the door open to the judgment being challenged