Ccj removal

dyrm95

Hey. I had notification of my CCJ removal today. Don’t be put off trying to get it removed. Mine was registered in April 2019 and I discovered it at the end of 2020 - after this forum I thought I had virtually no chance of getting it removed. I used Lender and Court services who managed to negotiate with the claimant and get it removed via consent in return for me settling the small debt.

PixelPound

dyrm95 said:

Hey. I had notification of my CCJ removal today. Don’t be put off trying to get it removed. Mine was registered in April 2019 and I discovered it at the end of 2020 - after this forum I thought I had virtually no chance of getting it removed. I used Lender and Court services who managed to negotiate with the claimant and get it removed via consent in return for me settling the small debt.

Often it can be done if a consent order is attached. That way if you renege on paying, or say try a clawback, they can go back to court saying you've broken the terms of the consent order.

 

mrandyrjones

Deleted_User said:

Carlos1731 said:

Thanks for the advice. 
The debt is legitimate and I'm happy to pay it but the ccj is killing my cr. 
I have not received any paperwork, I had an email in 2017 from SSL capital saying my debt had been passed to Moriarty law and that's all I've had. 

Paying the CCJ will leave it on your file
If you have a legitimate reason why you didn't pay then you can pay for a set aside and argue the case and even if you lose, if you pay the debt within 30 days, you don't have the CCJ. It's your money to spend - either set aside fee + debt or debt and leave CCJ there. CCJ will disappear 6 years after it was put on your file so up to you if you want to wait 4 years or not and if you want finance for something, go to a bad credit broker for the moment if it's desperately urgent.

can i just clarify, are you saying if you apply for set aside as you weren't able to defend the first hearing, due to say not receiving the judgement at your current address, are you saying you still get the option to pay in 30 days and the judgement dissapears

sourcrates

mrandyrjones said:

Deleted_User said:

Carlos1731 said:

Thanks for the advice. 
The debt is legitimate and I'm happy to pay it but the ccj is killing my cr. 
I have not received any paperwork, I had an email in 2017 from SSL capital saying my debt had been passed to Moriarty law and that's all I've had. 

Paying the CCJ will leave it on your file
If you have a legitimate reason why you didn't pay then you can pay for a set aside and argue the case and even if you lose, if you pay the debt within 30 days, you don't have the CCJ. It's your money to spend - either set aside fee + debt or debt and leave CCJ there. CCJ will disappear 6 years after it was put on your file so up to you if you want to wait 4 years or not and if you want finance for something, go to a bad credit broker for the moment if it's desperately urgent.

can i just clarify, are you saying if you apply for set aside as you weren't able to defend the first hearing, due to say not receiving the judgement at your current address, are you saying you still get the option to pay in 30 days and the judgement disappears.

No, you only have that option within 30 days of the judgement being first registered.