Do you have a CCJ – County Court Judgment and you are willing to have it removed? In this article. We have listed some great tips to help you to remove County Court Judgment. We are sure at the end you will have the complete understanding & knowledge.
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How to Remove a Judgment by a County Court
The only way for England and Wales County Court Judgments (CCJs) to be removed from the Register is if they are either canceled or set aside by the court.
Having a County Court Judgment Set Aside
You will be required to get in touch with the court responsible for issuing the judgment if you would like a CCJ set aside. You’ll be asked to fill out form N244 providing your reasons for asking for the judgment to be set aside and pay a £275 (360) court fee.
If the court approves the application for CCJ removal, you will get a fresh hearing where the judge can order that the judgment be set aside.
Alternatively, if both you and the claimant agree that the judgment needs to be removed, you can fill out a consent form asking that the judgment be set aside by consent. You will be required to pay a £115 ($150) court fee for the consent to be put before a judge. If the judge approves the content form, the judgment may be set aside.
If the court sets aside a judgment, a notification will be issued to remove the judgment from the public register. To check whether your CCJ was set aside, you can use the case number search feature found on TrustOnline.
How to Cancel a Judgment
If the judgment amount is paid in full within a calendar month from the judgment date, it can be removed from the public register.
You or the claimant can get in touch with the court and provide proof of payment, but if you provide proof of payment and want a ‘Certificate of Cancelation or Satisfaction’, you will be required to fill out form N443 and provide a £16 ($20) postal order or cheque.
Once the court issues a notification that a particular judgment has been canceled, it will be removed from the public register, and the credit reference agencies will be notified to remove the judgment from their files.
What If the County Court Judgment Is Linked to an Insurance Claim?
If a judgment against a certain consumer is related to an insurance claim, can the credit reference agencies remove the judgment from their credit file? However, it will remain outstanding on the public register unless the court issues a notification for its removal.
You would be required to provide a letter on a headed paper from the insurance company or their solicitors that conforms to the following:
- The judgment relates to an insurance claim
- Judgment amount
- Case number
- Judgment date
Upon receiving a letter issued by the insurance provider or the insurance provider’s solicitors, instructions will be issued to credit reference agencies to remove that judgment from their files.
FAQs
Can I get a CCJ removed if I dispute the debt?
Will paying a CCJ improve my credit score?
Can I get credit with a CCJ on my record?
What happens if I can’t pay my CCJ?
Can a CCJ be issued for any amount of debt?
Conclusion
Dealing with a CCJ can be stressful, but it’s not an insurmountable problem. By understanding your options and taking proactive steps, you can work towards removing a CCJ from your record and improving your financial health.
Remember, the key to financial stability lies in addressing issues promptly and maintaining good financial habits moving forward. Whether you’re able to remove the CCJ immediately or need to wait for it to expire, use this experience as a stepping stone towards better financial management.
By following these tips and staying vigilant about your financial responsibilities, you can overcome the challenges posed by a CCJ and pave the way for a brighter financial future.
