Do you need to remove a CCJ? We’re happy to point you in the right direction.
Although we no longer offer this service ourselves, we recommend you contact CCJ Removal Services, a not-for-profit legal advice agency that specialises in CCJ Removal Advice & Support. They have a proven track record of successfully removing CCJ’s, evidenced by over 450 glowing testimonials from satisfied clients. They may not be a law firm regulated by the Solicitors Regulation Authority, but they’re a wonderful resource for guidance and will support you every step of the way. They offer a FREE 15-minute Case Assessment to discuss your unique situation and to establish if your CCJ can be removed. If they can help, they’ll outline the process, and clearly explain their affordable fixed fees. You can contact them on 0161 711 1455.
We believe in maintaining transparency and trust with our clients and website visitors. We want you to know that we recommend CCJ Removal Services because we genuinely believe they’ll do a great job for you, but we also receive a payment for this recommendation. This payment does not influence our decision to recommend them, nor does it affect the quality or cost of the legal services they provide to you. We’re here to help you make the best choice for your needs.
We’re sorry we can’t provide direct assistance with CCJ removal at this time. We wholeheartedly wish you success in resolving this matter.
If you’ve received a default judgment and you feel it’s unfair, you could apply to have it removed. Otherwise, you could suffer problems, either now or in the future.
Here are three reasons to apply to have it set aside:
1. A default judgment is an order to pay money
If the order isn’t set aside, you will have to pay it. If you don’t pay it straight away, the claimant may decide to take enforcement action against you. This could include:
- the removal of some of your goods
- money being deducted from your salary and paid to the claimant
- a charge being registered against your house
- bankruptcy.
The longer you take to pay it, the more interest you’ll have to pay, too. The claimant’s legal costs will usually be added as well.
So, the whole experience could be very costly indeed!
Even if you’ve begun your application to set judgment aside, the claimant can still take enforcement action, although often they will agree to suspend the action until the outcome of your application.
2. Your credit rating is harmed
If a court makes an order requiring you to pay money, the details are sent to the Registry Trust. They then notify credit reference agencies, such as Experian or Equifax. Your credit rating will inevitably suffer as a result.
Even if you pay the amount ordered, the default judgment remains on your file. It’s marked as satisfied but it won’t be removed for six years.
Many organisations will not offer credit to anyone who does not have a perfect credit rating, which means you could be prevented from obtaining a mobile phone contract, a loan, a mortgage on a property etc
3. Your employment prospects may be jeopardised
In some industries, employers won’t employ anyone with a default judgment entered against their name, even if it has been paid. This is particularly true in the finance or accounting sector where they expect their staff to have a completely clean credit record.
Unless the order is set aside, you may find that you’re prevented from pursuing your career.
