A guide to CCJ Removal
Introduction
A large number of County Court Judgements, CCJ's, are the result of undefended summonses. Usually because the defendant is unaware of the response needed does nothing, so the court enters a 'Judgement by Default'.
The Central Registry then passes the judgements to the credit agencies. A debt can be paid off but the judgement stays on record because no one asked for it to be 'set aside'. Simply because they did not know that it was necessary.
There are other reasons, detailed later, which the courts will or will not accept to 'set aside' e.g. A defendant can state that they have been making regular payments But not if the payments have been irregular.
As a reliable guide to get you well and truly established, use the reasons we have listed for you later in this section.
In order to process the removal of a CCJ you need the following details:
- The original summons
- The name of the plaintiff. (The one who took out the summons)
- The name of the court
- The Case Number - Without the case number the courts will not even read an application. If you do not have this, then contact the central registry and ask for details of the judgement and case number. This will cost around £15, paid to the registry.
Corresponding with the court office
Write to :
Registry of Court Judgements
Registry Trust Ltd
173/174, Cleveland Street
LONDON
WP1 5PE
Tel: 020 7380 0133
The court office is open from 10am to 4pm Monday to Friday. When corresponding with the courts please address forms or letters to the Chief Clerk and quote the case number.
IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]
What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
[more...]
DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]