If you have a CCJ on your credit record, this could be disastrous if it’s not removed.
A CCJ is a County Court Judgment. Not only will it stop you obtaining credit, including a mortage, it may also hinder your career. Many employers carry out a credit check to find out whether a prospective employee is suitable!
If you don’t do anything about it, the CCJ will stay on your credit record for six years!
So, what do you need to do about it? How can you get it removed?
Pay the amount ordered within a month
If you pay the CCJ within one month, it will be automatically removed from your credit record. You may decide that this is the most expedient option, particularly if it’s only a small sum of money.
However, if it’s a larger amount of money and you don’t accept that you owe it, you may feel that paying it is unreasonable.
Please note that paying it more than a month after the date of the CCJ will not mean that it’s removed from your credit record. The credit record will however be updated to say that the CCJ has been satisfied. This is of course better than having an unsatisfied CCJ on your credit record but it will still stay on your record for 6 years.
Sit back and wait for six years
If you’ve only just discovered the CCJ and it was entered a long time ago, you may be happy to sit back and wait until the six year period has expired. It will then be removed from your record and will no longer affect you.
Obviously, this option is less attractive if it is a recent judgment.
Make an application to have the judgment set aside
The court has a discretion to set aside a CCJ in certain circumstances.
If you can show that you have a real prospect of successfully defending the claim, the court will set aside the judgment.
Even if you don’t have a defence, the court may set aside the judgment if there is some other good reason. This may include:
- the claim form was sent to the wrong address
- you weren’t aware that a claim was being brought against you because you were out of the country at the time
- you didn’t know what you were supposed to do when you received the court papers.