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County Court Judgement (CCJ )
CCJ and how to Remove CCJ
A County Court Judgment (CCJ) is a ruling stating that you are responsible for a debt that hasn't been satisfied.
Our team of experts will help you to get a CCJ Removed
When someone i.e. Claimant, initiates proceedings against you in County Court and consequently is successful, then they have won their case against you and have obtained COURT Judgment in their favour against you. This is known as a County Court Judgment (CCJ). You must get a CCJ removed from your credit file to obtain finance i.e. loans, mortgages etc. Frequently we ascertain from our clients that a Default Judgment was obtained against them. This of course is very likely if the client did not engage in proceedings due to claimant issuing proceedings at an old address. Our CCJ Removal service includes guidance and advice on your specific CCJ circumstances. Book our Free initial 15 minutes Consultation or Start Removal of CCJ.
The CCJ Appears in your credit file and the register of judgments. If you do not remove the CCJ it would remain on your credit file for 6 years.
Yes it has the most detrimental effect on your credit file even some experts would suggest that it has a more harmful consequence for your overall score than other elements such as missed payments. It is best to endeavour to remove CCJ from your credit file.
A CCJ can be removed by way of filing the relevant documents at County Court and with the permission of a court. Our team of experts are happy to provide a free initial 30 minutes consultation to review your matter and provide valuable input on how to progress your case further to remove the CCJ.
It depends on the complexity of the case and the facts. We endeavour to work on such case on a fixed fee basis to maintain transparency. For a quote and further details on our rates please kindly contact us. Our fees start from £300 as fixed for simple cases.
Clients who have approached us in the past have reported serious issues such as struggling to get a mortgage, or car loans or credit cards and the list is not exhaustive. The claimant has the right to enforce the judgment and instruct bailiffs to visit your property and take items, depending on the amount of the debt that you are now required to pay. Additionally, they have the authority to access your property under specific conditions and compile a list of the items that can be removed.
We have many clients who frequently instruct us on cases where the Claimant obtains Judgment at their previous address. It is common for these clients to become privy to the existence of the dreaded CCJ through their credit file. Usually it is an old debt with small value, but it can potentially be any sum ordered against you. It is very likely that it is a default judgment entered against you. If you have just learned that there exist a CCJ on your credit file then please contact us immediately for a free 30 minutes consultation, as time is of the essence in such cases. We will endeavour to provide you with necessary advice to put your mind at ease and help you to remove this CCJ.
Using CCJ removal solicitors for CCJ removal isn’t always necessary, as it largely depends on your situation and the complexity of your case. We provide low cost alternative and when required provide you with direct access barristers for legal advice.
Can a CCJ be removed from a credit file?
Yes. A County Court Judgment can, in certain circumstances, be removed entirely from your credit file, rather than simply marked as paid or satisfied. This usually depends on how the judgment was obtained and whether proper court procedure was followed.
Where a CCJ has been entered without your knowledge, served at an old or incorrect address, or obtained by default without a real opportunity to defend, the court may allow the judgment to be set aside. Once set aside, the CCJ is treated as though it never existed and is removed from the Register of Judgments and from credit reference agencies.
Set aside, satisfied, or removed — what is the difference?
Not all outcomes have the same effect on your credit file:
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Set aside / removed
The judgment is cancelled by the court. It is removed from the public register and deleted from your credit file. -
Satisfied CCJ
The debt has been paid, but the CCJ remains visible on your credit file for up to six years, marked as satisfied. -
Unpaid CCJ
The judgment remains fully visible, enforceable, and continues to damage your credit rating.
For anyone seeking to restore their credit profile, removal (via set aside) is usually the only outcome that achieves that result.
When removal may be possible
Removal is often achievable where:
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The claim was served incorrectly
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You were not aware of the claim or judgment
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The claim was undefended due to lack of notice
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There is a real prospect of defending the original claim
Each case turns on its own facts, and the court will consider both procedural fairness and merits.