What is CCJ?
A County Court Judgment (also known as a CCJ) is a judgment that can be issued by the court when someone has failed to respond to proceedings. The creditor will have to apply to the county court for a judgment if the other side fails to respond. Once the creditor obtains the CCJ they can apply to enforce the judgement through various means including instructing bailiffs to attend your home or business premises.
How a CCJ affects your credit record
Unless you pay off a CCJ in full within a month of the judgment, it will be entered on your credit record at the Register of Judgments, Orders and Fines. It will remain there for six years.
This record can seriously affect your ability to get a mortgage, a credit card or even a bank account in the future. This is another reason it is important you do not ignore a County Court Judgment.
Your options
1. Pay in full – If you do not dispute the debt you can pay the full amount of the debt. If this is done after a month the CCJ will remain on your credit report however it will appear as “satisfied”. This may still affect your credit rating.
2. Apply to set aside the CCJ – in certain situations you can make an application to the county court to set the CCJ aside. The application to set aside can be made where you think there is an error or the claim was served at the wrong address and you did not have opportunity to defend the claim. The current application fee for setting aside a CCJ is £255.00.
Our services:
We have recently been instructed by several new clients in relation to setting aside CCJs. We can assist you with the application process and negotiate with the creditor on your behalf.
Contact our team to discuss your options. We have offices in London, Birmingham, Cambridge, Oxford, Market Harborough and Leicester.
Call us on 0800 567 7595
