A County Court Judgement - or CCJ - is filed when a person does not pay their creditors and a civil case is brought up against them in court. The courts make a judgement against the debtor and it remains in force until the debt is paid off. CCJs are not as bad as many people make it out to be, but it is true that they do stay on your credit report. A CCJ will not stop you from getting credit, they are considered in the application process as a whole. The potential lender may view the CCJ as a problem and view you as risk, someone who cannot meet their obligations, and refuse your credit. This is one of the reasons why getting a CCJ removed from your credit report is important.
One of the reasons why CCJs show up on your credit report is because the debtor did not defend themselves when they received a court summons. Many people are not aware of what they need to do when they receive notification of the court action and they do not get it resolved properly. When this happens, the judgement is entered by default and it goes against you. The information is passed on to the credit reference agencies, and even if you pay off the debt in full it can stay on file unless you pay the debt within 28 days of the judgement date. The reason they stay on your credit record is because an official removal request was never issued. The CCJ will be removed automatically if it is set aside or reversed.
You can get a CCJ removed from your credit record. In order to do this you need the name of the plaintiff (the creditor), the case number, the original summons, and the name of the court the CCJ was issued. You will need to get a current copy of your credit record as well. Write a letter to the court requesting that they send you all of the details they have regarding your CCJ. You can then ask the courts to remove the CCJ from your credit report.
If you believe that the CCJ was unfair or incorrect, you need to fill out a N244 form that you can get from the court free of charge. All you need to do is fill out the form including all of the details relating to the CCJ and the reason why the judgement should be set aside and removed from your credit report.
Some of the reasons why this action should be taken include:
• Not getting the full 28 days notice to pay the outstanding debt
• An incorrect address was used when the summons was sent and the judgement took place
• The summons was never received
• The CCJ still appears on the credit report even though the arrears was settled within the 28 day time frame
• You were not given 21 days to reply to the court because the summons was late
• Your name was used by someone else in order to gain credit with a CCJ resulting
• You and the creditor settled out of court
• Notification of the judgement was never sent to you for you to appeal
• You were unable to attend court due to other circumstances
• A joint summons was taken out against you and only one person received the summons