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How do You Remove a CCJ ?

If you have had a County Court Judgment (CCJ) made against you then you may wonder if there is a way you can remove this. A quick search will show you that there are many companies out there making claims they can remove a CCJ. However, the truth is that nearly all of these will not be able to do this and will often ask for money to be paid in advance. The best way to really limit the impact is to just settle your CCJ.

The only real way that you can remove a CCJ from your credit file is if it was registered in error. If you believe that a real error has been made then you can send the N244 form to the County Court and give them the reasons for this. If your claim is valid then they can agree to remove your CCJ from the Register of County Court Judgements. It would also be wise to write to the main credit agencies such and Experian and Equifax to let them know of the error and ask for them to update your credit file accordingly.

If however you do not have a valid reason for requesting your CCJ to be removed then it is important that you do not attempt to do so. If you do this then the court will view you as time wasting and you could face penalties.

Occasions when a CCJ will be set aside

There are a few reasons why a Court would allow a CCJ to be set aside and these include, if you were to settle it within 28 days as in these cases the Court will often remove it, or if you have been the victim of identity fraud.

You could also have a CCJ removed if you had not been informed or given an adequate length of time to reply, or if you were unable to attend the hearing for a valid reason. In cases where you did not receive a notice of missed payments from the creditor prior to notice from the court then it could be set aside.