Satisfied Judgment CCJ

JonS1988

Good evening all - first post so please bear with me if this is in the wrong place or has been answered before.

I would be interested to know anyones opinion, or similar experiences with the following.

In Feb last year I was applying to remortgage and was told by the bank that my credit score was poor, after a little investigation I discovered that this was due to a CCJ that I had been issued Aug 16. The CCJ was from an unpaid ANPR parking fine that I was unaware of - I moved house during the process of the ticket being delivered, and it was sent to my old address. I therefore was unaware of it, and it resulted in a CCJ.

The advice that I was given at the time was that because the cost of setting the CCJ aside was more than the cost to pay, I should just pay the debt, and have it marked as a satisfied judgement. This is what I did, and was given a competitive new mortgage deal.

It now turns out that this was bad advice, the satisfied judgement is still impacting my credit score, and will do for 6 years. This is where I am asking for advice.

A friend of mine had an almost identical scenario, and elected to go to court, the CCJ was set aside, and his credit score is perfect.

As I see it I may have three potential options.

1. Apply to revisit the CCJ with the court and have it set aside - I am not sure if it is possible to set aside an already satisfied CCJ.

2. Plead mitigating circumstances - I did pay the CCJ within one month of being made aware of it, just unfortunately this was 6 months after the court date. I'm not sure this is a viable option, as it seems quite black and white!

3. Forget about the whole thing - I believe that as the Satisfied Judgment CCJ gets older, the affect it has on credit score decreases.

Any information that anyone has on these options, or any other avenues would be a great help.

Many thanks.

[Deleted User]

The bank cannot see your credit score. No one can. They use their own internal scoring system.

Ignore any scores or ratings as they're made up and are not used to judge your credit worthiness.

To answer your questions:

1 is a possibility
2 is a no go
3 is correct

Quentin

You do have another option:

Set aside by consent.

Read up on this. Costs £100. If successful the ccj is expunged from the record

JonS1988

Thanks Gary. My post may have been slightly misleading. The mortgage advisor told me there was a problem, and I discovered the score online via Experian. Thanks for the replies, will look into it.

Quentin, I will read up on that option tonight too. Many thanks.