Need advice: Setting aside a CCJ with "No Objection" from Claimant (Moriarty Law) – DIY or hire a so

Wizjager

Hi everyone, I’m looking for some quick advice on a CCJ removal.

The Situation:

• Claimant: Moriarty Law.

• Debt: £428.34.

• The Issue: A CCJ was issued in Dec 2024. I was never served because I was homeless/sofa-surfing at the time (I have Deliveroo GPS logs and messages from my host proving my actual residence in a different postcode during that time).

• Current Status: I contacted Moriarty Law. They sent an email stating: "We confirm we will have no objections to a Set Aside application once the debt is paid in full."

• The Timing: I get paid at the end of April (30th). Moriarty gave me a 27-day hold (until April 26th).

• The Fees: I have a Help with Fees (HWF) code from the court already.

My Dilemma:

I am debating between two options:

1. DIY (N244): Filing the N244 myself "without a hearing" for £0 (using HWF code), attaching the "No Objection" email from Moriarty and my residency proof.

2. Hire a Solicitor: I’ve been quoted £299 for a "CCJ Removal Service." They say they will handle the mediation and drafting of a Consent Order. They want me to pay the debt in full before they apply.

My Questions:

1. Since I already have the "No Objection" in writing from the Claimant's solicitors, is there any benefit to paying £299 for a solicitor?

2. If I do it DIY, will the Judge reject it because I haven't paid the debt yet (but have promised to pay on April 30th)?

3. Is it safer to pay a solicitor to ensure the CCJ is removed (Set Aside) rather than just marked as "Satisfied"?

I'm currently in a vulnerable financial position, so £300 is a lot of money to me, but I really need this off my credit file so I can rent a flat.

Thanks in advance!

Isthisforreal99

You have posted this in the Bankruptcy board - are you bankrupt?

Is tbis a parking related CCJ? If so you will get better advice on the parking board.

Wizjager

no it’s from a loan. I am homeless but I am getting a job end of next month

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/81943776#Comment_81943776

So, the actual debt is correct?

The problem you have is that as long as the creditor served papers to your last known address and you weren't otherwise traceable then you still not a valid defence against the CCJ and as it seems the debt isn't disputed that is why they are saying you need to pay the debt before they agree to the set aside.

Your credit history would already be pretty poor with a defaulted loan so the CCJ removal (if you get it) may not make much difference.

Wizjager

If I paid the debt, I take it to court will judge set aside it ? If it paid in full ? This what said in the email.

IMG_3150.jpeg

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/81943797#Comment_81943797

See my edit to my post, even getting the CCJ removed won't fix your already poor credit history as you have a defaulted loan.

All the company have said is they won't oppose the application for a set aside (if you pay)but ultimately it would be up.to the judge and no guarantee.

Wizjager

My main worry is about ccj, my credit score will improve over time. Thank you for your feedback

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/81943811#Comment_81943811

You don't have a 'credit score' but a credit history, no matter what the Credit Reference Agencies tell you.

Wizjager

do you think I should get lawyer on bored?

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/81943821#Comment_81943821

Absolutely not, would be a complete waste of money - pay your debt and go for the set aside.

Wizjager

how do I know the company will keep their word ?