CCJ,S Can they legally be removed?

spike1_2

I ran into trouble a few years back and lumbered myself with 2 CCJ,s totalling £327 which I satisfied 12 months ago. Even though my credit file shows everything I have on credit has been repaid on time for the last couple of years I can,t get high street lenders to touch me due to these judgements and I am forced to pay over the odds through subprime lenders for my mortgage etc (currently over 9%).
Is there any way I can legally have these CCJ,s removed or do I have to wait the 6 years? Help please!

Debt_Free_Chick

Is there any way I can legally have these CCJ,s removed or do I have to wait the 6 years? Help please!

Unfortunately, they stay on file for 6 years. You can't get them removed - unless they were entered in error or paid within one month of the judgment.

The low down here

http://www.registry-trust.org.uk/faqs.aspx#28

spike1_2

Thanks for the info but I am wondering if it is possible to ask the creditors to remove the entry from the registry or is this not possible?

spike1_2

Thanks again for the information.
Yes I have got certificates of satisfaction for the 2 debts and yes I do understand that normally these judgements should remain for six years.
However my question is can I ask the companies concerned to remove the entries from the central registry or are they prevented from doing so by any means themselves?

Debt_Free_Chick

However my question is can I ask the companies concerned to remove the entries from the central registry or are they prevented from doing so by any means themselves?

There's a separate register mantained by the Registry Trust. The credit reference agencies get information about CCJs from the Registry Trust. CCJs can only be removed if they were entered in error or paid within one month.

Please ..... follow this link

http://www.registry-trust.org.uk/faqs.aspx#28

Freddie_Snowbits

One thinks that if the balance is settled in full, through the court, the CCJ has to be removed from the register and the Credit Reference Agencies are supposed to reflect this.

If the Credit Reference Agency still holds it, it could be construed as an inaccurate record.

Debt_Free_Chick

When a CCJ is issued by the Court, it's entered onto the registry (held by the Registry Trust). If you pay the debt within one month, you can apply to have the CCJ removed.

More usually, people take time to pay the debt. Once it's paid, the entry on the register is marked as "satisfied".

Paying off the debt has no effect on the registry - except to show the debt as satisfied.

The CCJ stays on the registry for 6 years, starting fromthe date it was first registered. So in theory

Jan 04 - CCJ registered
Jun 04 - Debt paid
Jul 04 - Registry marked "satisfied"
Jan 10 - entry automatically removed from registry

One thinks that if the balance is settled in full, through the court, the CCJ has to be removed from the register

No. Only if the debt was paid within one month of the CCJ being issued. And then, you have to pay a fee and apply to the Court to have the judgement set aside.

If the Credit Reference Agency still holds it, it could be construed as an inaccurate record.

The CRAs don't hold separate records of CCJs. They get their information from the Registry Trust.

All of this is explained on the Registry Trust website.

spike1_2

Thanks everybody for your input.
However I do know that even though these judgements should remain for 6 years from the date they were registered (satisfied or not they are then removed) I want to know if I ask the creditor to remove them from the central registry will they be allowed to do so ?
In previous discussions/articles on this site the advice given is not to pay a judgement/default before reaching an agreement with the creditor that the entry will either not be recorded or deleted.
I only want to know whether I can ask/plead with the 2 companies that have registered these CCJ,s to have them removed from the central registry.
Are they able to do this?

Debt_Free_Chick

I only want to know whether I can ask/plead with the 2 companies that have registered these CCJ,s to have them removed from the central registry.

There must be something in my posts that is unclear ...

the answer is no.

The record of the CCJ is nothing to do with the CRAs. They just copy the information that is stored on the Register, with Registry Trust.

The only people who can remove the CCJ from the Register are Registry Trust. And they will only remove it if the judgement was paid within one month - which it wasn't - or if it was recorded in error - which it wasn't.

In previous discussions/articles on this site the advice given is not to pay a judgement/default before reaching an agreement with the creditor that the entry will either not be recorded or deleted.

You can try that with a default, but not a CCJ. You can't negotiate with anyone about the recording of a CCJ. It's nothing to do with you, the creditor, the CRAs or even the Court.

Once issued it's on the Register for 6 years, but it's marked as satisfied once fully paid.

Sorry, but a CCJ is an official record that a lender had to take you to Court in order to get you to pay what you owed them.