How to Remove a CCJ? Get Advice from Shergroup’s Expert

 

Here at Shergroup, we offer a cradle to grave advisory service on what to do with a CCJ – to anyone who reaches out to us. CCJ enforcement is the starting point for High Court enforcement.

How to remove a CCJ from Credit Report?

Every year we transfer thousands of judgments from the county court to the High Court. And you may be pleased to hear that a number of these CCJ procedures do get paid in full – either in one payment or over a period in an agreed CCJ payment plan.

How Long Does A CCJ Stay On My Credit File?

County Court judgments (CCJs) are regularly reported on your credit file and a public register for six years, which can make it more difficult to get credit when that time.

Can a CCJ be removed from a credit file?

If you pay the paid CCJ in full within a month of the judgment, you can just apply for the CCJ removal from the public register and get it removed from your credit file. You need to apply for a ‘certificate of cancellation’ from the County Court. You do this using court form N443 Application for a certificate of satisfaction/cancellation.

CCJ satisfied removal – So once the CCJ removal solicitors are CCJ satisfied we want to ensure people have the best information on

How to update your credit file?

Remove a county court judgment from your credit, getting a CCJ removed from the credit file, CCJ stay on the credit file to show the CCJ is paid and satisfied. The best place for information on this topic is the CCJ Registry Trust website and please click on this link to get the most up-to-date information | see http://bit.ly/2ogvt6S.

 

How County Court judgment records are updated?

Will a satisfied CCJ affect my credit? If you pay the County Court judgment you will want the record to be updated CCJs are shown as either satisfied or unsatisfied on the Register. Satisfied means you have paid in full, unsatisfied means you have not. You can ask the court for this to be corrected if it is wrong.

How long does CCJ stay on record?

The CCJ will still stay on your credit report until the 6 years. If you have fully paid the CCJ more than a calendar month after the judgment date, you can apply to have it shown as satisfied by providing the court with proof of payment. The satisfied judgment will stay on the Register for the statutory six years from the date of the judgment.

When the court has received the proof of payment, they should notify us to amend the CCJ Register, to show the record as ‘satisfied’. Once updated, the Register will show that your debt has been fully paid and the date it was paid.

Ways to Remove a CCJ from Your Credit Record

1. Pay the CCJ within a month

When paying the full amount of the CCJ within one month, then it will be removed from your credit file.

The Registry Trust holds a Register of all CCJ’s. The courts update the Registry Trust each time a CCJ is announced. When CCJ has been paid within a month, the CCJ is completely removed from the Register. As if it is not entered in the first place.

The claimant should notify the court that you’ve paid the CCJ. If the claimant doesn’t tell the court, you can tell the court yourself by writing to the court that it’s paid and provide evidence of payment.

2. Wait 6 years

the CCJ will be removed automatically from your credit record after 6 years. Even if you don’t pay it, the CCJ will be removed.

Nevertheless, the claimant can still enforce the CCJ. If the CCJ amount is not paid fully the claimant can recover it by using bailiffs or by applying for a court order against you.

3. Apply to have the CCJ set side

If the CCJ is a “default judgment”, then the court can set it aside.

Default judgment

A default judgment is a judgment that the court performs when a defendant fails to acknowledge a claim or to put in a defence.

The CCJ doesn’t be categorised as a default judgment if:

• it is imposed at a trial you attended, or

• it was ordered by the court after you admitted owing the money

In these cases, there is no chance of the CCJ being set aside.

Removing the default judgment

If it is a default judgment, the CCJ it can be set aside if you can show a good reason.

Registry Trust

If the CCJ has been set aside, the court will automatically update the Registry Trust which will result in the CCJ being permanently removed.

How to get a Certificate of Satisfaction for CCJ?

If you require a certificate showing that your record has been paid, you can apply to the relevant court for a ‘Certificate of Satisfaction. All you need is to send details of the CCJ and your bank statement to prove that the payment was made. You can apply for a Certificate of Satisfaction using form N443, There is a court fee of £15 for the certificate cash out to HM Courts and Tribunals Services.

You can only receive a “Certificate of Satisfaction CCJ’ if your CCJ paid and debt is paid in full; part repayments are not recorded.