Getting a CCJ removed

clairemarie6

I recently received notification of a claim against me relating to a parking ticket from 2018. Long story - I thought I had already paid this, turns out it was a different one at the same location. Anyway, the total claim was for £306.64. With Christmas coming I am trying to manage my cash as best I can so I filled out the forms and sent them back offering to pay the amount off in 3 instalments. Within a week, and with no further correspondence I have had a CCJ appear on my credit report for £346. Maybe I misunderstood the conditions but I didn't expect this - I thought they would either agree the 3 payments or reject it and I would then have to pay the full amount. Feeling a bit silly now and panicking as my credit score was previously good but has obviously dropped off a cliff since this happened. I've never had so much as a missed payment in the past. I need to get a new car and was planning to apply for a loan to part finance this in March next year - now I'm really worried about my chances of acceptance. I have read online that if the amount is paid in full within a month I can have the judgment removed. I have shuffled around some money and can pay it now but can anyone explain how I apply to have it removed, and give me any idea of how long that might take?? The advice I've found online is very vague!

Ebe_Scrooge

clairemarie6 said:

my credit score was previously good but has obviously dropped off a cliff since this happened.

You can safely ignore your score as it's not used, nor even seen, by any lender.  A CCJ, however, will have a negative impact on your credit history (which is what a lender will be looking at).

clairemarie6 said:

I need to get a new car and was planning to apply for a loan to part finance this in March next year - now I'm really worried about my chances of acceptance.

Credit history aside, it's always worth considering buying a cheaper car for cash.  There's always an element of risk in using a loan to buy a depreciating asset.  If your circumstances change, for instance, and you find yourself unable to repay the loan, you're often left with a car that's worth less than the outstanding amount, so you can't even sell it to repay the loan.  Depends on your individual circumstances, of course, but it's something to bear in mind.

clairemarie6 said:

I have read online that if the amount is paid in full within a month I can have the judgment removed. I have shuffled around some money and can pay it now but can anyone explain how I apply to have it removed, and give me any idea of how long that might take?? The advice I've found online is very vague!

Once you've paid the debt, you can apply to the court to have the CCJ removed - if the debt is paid within a month of the CCJ being issued.  This website gives lots of helpful information: https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/county-court-judgments-and-your-credit-rating/

[Deleted User]

Go the parking ticket forum and post the details there, they are better suited to answer this

https://forums.moneysavingexpert.com/categories/parking-tickets-fines-parking

macman

What is the date of the CCJ? As above, if you pay it in a month it'll be removed. Beyond that, it will remain but show as satisfied, if the debt is fully cleared.
If it's gone beyond a month, then, without grounds for a set-aside, it can't be removed.

Ebe_Scrooge

Deleted_User said:

Go the parking ticket forum and post the details there, they are better suited to answer this

https://forums.moneysavingexpert.com/categories/parking-tickets-fines-parking

Is it not a bit late for the parking ticket forum if a court has already issued a CCJ?  Whatever the rights and wrongs as to how the parking ticket was issued, I read it as more of how to deal with a CCJ at this point.

fatbelly

clairemarie6 said:

I have read online that if the amount is paid in full within a month I can have the judgment removed. I have shuffled around some money and can pay it now but can anyone explain how I apply to have it removed, and give me any idea of how long that might take?? The advice I've found online is very vague!

Cancelling a judgement

https://www.registry-trust.org.uk/rt-learn-ew/remove-ccj/

[Deleted User]

Ebe_Scrooge said:

Deleted_User said:

Go the parking ticket forum and post the details there, they are better suited to answer this

https://forums.moneysavingexpert.com/categories/parking-tickets-fines-parking

Is it not a bit late for the parking ticket forum if a court has already issued a CCJ?  Whatever the rights and wrongs as to how the parking ticket was issued, I read it as more of how to deal with a CCJ at this point.

The parking forum is full of these cases of fighting CCJs just as much as stopping tickets

clairemarie6

Ebe_Scrooge said:

clairemarie6 said:

my credit score was previously good but has obviously dropped off a cliff since this happened.

You can safely ignore your score as it's not used, nor even seen, by any lender.  A CCJ, however, will have a negative impact on your credit history (which is what a lender will be looking at).

clairemarie6 said:

I need to get a new car and was planning to apply for a loan to part finance this in March next year - now I'm really worried about my chances of acceptance.

Credit history aside, it's always worth considering buying a cheaper car for cash.  There's always an element of risk in using a loan to buy a depreciating asset.  If your circumstances change, for instance, and you find yourself unable to repay the loan, you're often left with a car that's worth less than the outstanding amount, so you can't even sell it to repay the loan.  Depends on your individual circumstances, of course, but it's something to bear in mind.

clairemarie6 said:

I have read online that if the amount is paid in full within a month I can have the judgment removed. I have shuffled around some money and can pay it now but can anyone explain how I apply to have it removed, and give me any idea of how long that might take?? The advice I've found online is very vague!

Once you've paid the debt, you can apply to the court to have the CCJ removed - if the debt is paid within a month of the CCJ being issued.  This website gives lots of helpful information: https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/county-court-judgments-and-your-credit-rating/

Thanks for the link that’s helpful. As for the car loan, I’m comfortable making a monthly payment - my job is in the public sector and highly unlikely to be made redundant, also as I use my own vehicle for work purposes I am paid an allowance by my employer which covers over 50% of the loan cost

clairemarie6

macman said:

What is the date of the CCJ? As above, if you pay it in a month it'll be removed. Beyond that, it will remain but show as satisfied, if the debt is fully cleared.
If it's gone beyond a month, then, without grounds for a set-aside, it can't be removed.

I haven’t received any further correspondence but have checked my credit report with 2 different providers which shows the judgment being entered on 30/11/22. I’m intending to pay in full this week so will be well within the month limit. From what you say I will be able to have it removed, I’m just concerned about how long that might take?!

Ebe_Scrooge

clairemarie6 said:

Ebe_Scrooge said:

clairemarie6 said:

my credit score was previously good but has obviously dropped off a cliff since this happened.

You can safely ignore your score as it's not used, nor even seen, by any lender.  A CCJ, however, will have a negative impact on your credit history (which is what a lender will be looking at).

clairemarie6 said:

I need to get a new car and was planning to apply for a loan to part finance this in March next year - now I'm really worried about my chances of acceptance.

Credit history aside, it's always worth considering buying a cheaper car for cash.  There's always an element of risk in using a loan to buy a depreciating asset.  If your circumstances change, for instance, and you find yourself unable to repay the loan, you're often left with a car that's worth less than the outstanding amount, so you can't even sell it to repay the loan.  Depends on your individual circumstances, of course, but it's something to bear in mind.

clairemarie6 said:

I have read online that if the amount is paid in full within a month I can have the judgment removed. I have shuffled around some money and can pay it now but can anyone explain how I apply to have it removed, and give me any idea of how long that might take?? The advice I've found online is very vague!

Once you've paid the debt, you can apply to the court to have the CCJ removed - if the debt is paid within a month of the CCJ being issued.  This website gives lots of helpful information: https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/county-court-judgments-and-your-credit-rating/

as I use my own vehicle for work purposes I am paid an allowance by my employer which covers over 50% of the loan cost

You do, of course, have "business use" included on your insurance, don't you?        

clairemarie6 said:

macman said:

What is the date of the CCJ? As above, if you pay it in a month it'll be removed. Beyond that, it will remain but show as satisfied, if the debt is fully cleared.
If it's gone beyond a month, then, without grounds for a set-aside, it can't be removed.

From what you say I will be able to have it removed, I’m just concerned about how long that might take?!

It'll probably take a week or two, maybe up to a month.  The court has to remove the CCJ from the register, then the register sends an update to the CRAs.  Must admit I don't know how frequently this is done - whether it's pretty much as soon as they get the information from the court, or whether they just make a monthly report to the CRAs.  But it'll be gone well before March.