CCJ's and rights/help as a disabled person?

Garber

Hello,

A basic summary of my situation is that I am Autistic, I have CCJ, I would like to move out of the city because its making me ill and Im worried the CCJ will put off landlords.

I was never given the option for "breathing space" or any other help. 

Are there any grounds for applying for the CCJ to be removed/changed whilst I pay off the dept?

any advice would be appreciated, this might be an overshare but im frightened.

thanks in advance,

J

eskbanker

It would help if you explained exactly what happened, i.e. what led to the CCJ?  There are sometimes grounds to get these set aside but only if you didn't have a realistic chance of disputing the debt prior to the CCJ being issued, e.g. if paperwork was sent to the wrong address and you actually have a valid defence.

sourcrates

A set aside application costs £301 now, although remission on the fee may be available if you are on a low income.

However to be successful you need to have a good reason why you did not respond to the original court papers, and you also need a defence to the claim, so unless the debt wasn`t yours or you have some other good reason why it should not be paid, then the judgement was granted correctly unfortunately.

There is no point throwing away £301 only to be unsuccessful.

Most landlords only do what`s known as a "landlord check" which is mainly just to confirm identity etc, if a CCJ is an issue to them, they may ask for a larger deposit upfront, but on the whole, renting somewhere new should not be out of the question.