Has anyone successfully had a CCJ removed by consent?

dyrm95

Hi all,

I just wanted to make a post regarding my CCJ experience.

I previously posted on the MSE Forum to seek advice and guidance to get my CCJ removed, however, I had no luck. I had replies off of people insinuating that I must have brought it on myself with no considering to the fact that the company in question may have been in the wrong. I eventually found a solicitor who advised me not to take the advice from the bored, legal wannabes from this forum who dish out snotty personal opinions disguised as formal advice.

In April 2019 I noticed that I had a CCJ registered against me for an old debt (I did not deny the debt). The CCJ was sent to my previous address so I didn't know of it until it appeared on my credit file. I reached out and offered to clear the small debt in return for a signed consent order. They rejected. I then contacted Lender and Court Services who reached out again on my behalf - they then accepted a consent order. I sent this consent order to the County Court Business Centre at the start of January and received confirmation today that my application was successful.

For those that seek advice and get negative responses from others.. consider whether they are a reliable source of information or not. A lot of responses to MSE are formed from opinions rather than professional experience.

To the jumped up A-holes that couldn't resist an assy response to any prior post I made, suck a fat one.

cymruchris

It's good that you got a positive outcome - I don't think I saw your original thread - but I have had a set aside not that long ago, so I have an idea of what you've been through. There are some quite helpful people here - so not sure 'sucking a fat one' is really the best way forward. Forums being forums - there are always people ready to disagree, argue or insult at any opportunity - but that shouldn't stop you from coming back if you need further help in future. Not everyone is a twonk although attitude can sometimes make a difference in terms of the responses you get. Like I said - great that you've got a positive outcome - but be the bigger man/woman/thing and don't lower yourself to the level of insulting others! (Edit - I can see your thread's been merged while I was typing this)

dyrm95

Hey. To be honest, this was the first time I’ve used an online forum and I was nothing but polite and respectful when seeking advice.

The comments I received very nearly made me not bother seeking legal advice or ‘wasting money’ getting the CCJ removed. There’s a fine line between a harsh truth and not being kind or respectful.

Ultimately, I hope this post offers some reassurance to others that find theirselves in a similar situation.

2021BJ

dyrm95 said:

or those that seek advice and get negative responses from others.. consider whether they are a reliable source of information or not. A lot of responses to MSE are formed from opinions rather than professional experience.

Well, uh, no [insert expletive here].  If you want professional legal advice, pay for it.

So, how much did these cowboys sting you for? And who was the solicitor you spoke to?

dyrm95

It’s natural for people to seek advice from others with similar experiences before paying for legal advice. My original thread was to reach out to anyone that has experienced a similar situation.

I didn’t work with any cowboys. I did seek legal advice though after the toss pots I encountered on here (similar to yourself), I paid £499 and handed the matter over. They dealt with the whole situation and kept my in the email trail so that I could follow the case. A huge bargain (time and money) for someone that works 70+ hours a week in the hospital.

2021BJ

dyrm95 said:

It’s natural for people to seek advice from others with similar experiences before paying for legal advice. My original thread was to reach out to anyone that has experienced a similar situation.

I didn’t work with any cowboys. I did seek legal advice though, I paid £499 and handed the matter over. They dealt with the whole situation and kept my in the email trail so that I could follow the case. A huge bargain (time and money) for someone that works 70+ hours a week in the hospital. 

Who did you get legal advice from?  £499 to draft a consent order that the claimant had already agreed to? I'd say they're cowboys.

dyrm95

2021BJ said:

dyrm95 said:

It’s natural for people to seek advice from others with similar experiences before paying for legal advice. My original thread was to reach out to anyone that has experienced a similar situation.

I didn’t work with any cowboys. I did seek legal advice though, I paid £499 and handed the matter over. They dealt with the whole situation and kept my in the email trail so that I could follow the case. A huge bargain (time and money) for someone that works 70+ hours a week in the hospital. 

Who did you get legal advice from?  £499 to draft a consent order that the claimant had already agreed to? I'd say they're cowboys.

Did you read the initial post? The claimant rejected the initial consent order. 

dyrm95

P.s I have no issue with you referring to the company as cowboys. They negotiated with the company and enabled me to get it removed via consent rather than a set aside application. They saved me time, stress and money in comparison to a number of other Bristol based legal firms.

2021BJ

dyrm95 said:

2021BJ said:

dyrm95 said:

It’s natural for people to seek advice from others with similar experiences before paying for legal advice. My original thread was to reach out to anyone that has experienced a similar situation.

I didn’t work with any cowboys. I did seek legal advice though, I paid £499 and handed the matter over. They dealt with the whole situation and kept my in the email trail so that I could follow the case. A huge bargain (time and money) for someone that works 70+ hours a week in the hospital. 

Who did you get legal advice from?  £499 to draft a consent order that the claimant had already agreed to? I'd say they're cowboys.

Did you read the initial post? The claimant rejected the initial consent order. 

I did, did you?

Here you go...

The claimant has responded to me via email and told me that they have no issue with the CCJ being removed and advised that I seek legal assistance with getting this done, I presume they mean to draft formal consent order.

dyrm95

2021BJ said:

dyrm95 said:

2021BJ said:

dyrm95 said:

It’s natural for people to seek advice from others with similar experiences before paying for legal advice. My original thread was to reach out to anyone that has experienced a similar situation.

I didn’t work with any cowboys. I did seek legal advice though, I paid £499 and handed the matter over. They dealt with the whole situation and kept my in the email trail so that I could follow the case. A huge bargain (time and money) for someone that works 70+ hours a week in the hospital. 

Who did you get legal advice from?  £499 to draft a consent order that the claimant had already agreed to? I'd say they're cowboys.

Did you read the initial post? The claimant rejected the initial consent order. 

I did, did you?

Here you go...

The claimant has responded to me via email and told me that they have no issue with the CCJ being removed and advised that I seek legal assistance with getting this done, I presume they mean to draft formal consent order.

Claimant being the loan company. When they referred me to their legal team they responded with a rejection and informed to to seek legal advice.