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  • FIRST POST
    • warwick1234
    • By warwick1234 6th Aug 18, 2:08 PM
    • 1Posts
    • 0Thanks
    warwick1234
    Setting Aside Satisfied Default CCJ
    • #1
    • 6th Aug 18, 2:08 PM
    Setting Aside Satisfied Default CCJ 6th Aug 18 at 2:08 PM
    Hi MSE forum members,

    [Resolved - removed for privacy reasons]
    Last edited by warwick1234; 24-08-2018 at 3:51 PM. Reason: Resolved
Page 1
    • sourcrates
    • By sourcrates 6th Aug 18, 2:26 PM
    • 15,921 Posts
    • 14,993 Thanks
    sourcrates
    • #2
    • 6th Aug 18, 2:26 PM
    • #2
    • 6th Aug 18, 2:26 PM
    Hi,


    Who ever it was you spoke too obviously had no idea of how the court process works, or was simply been untruthful, or making promises they could not keep.
    Once a CCJ is registered, it can only be removed under certain circumstances, these are :


    (1) If you repay the full outstanding balance within 30 calendar days of judgement been granted.

    (2) You successfully obtain a set aside motion from the court.

    (3) six years have passed since judgement, and it falls off your file automatically.

    (4) You enter some kind of insolvency.

    There are no other legal ways to remove CCJ`s.


    For a set aside to be granted, you need to have a defense with a reasonable chance of success, you do not have a defense, as you admitted the debt was yours and was owed.


    Do not waste your money, i`m afraid you are stuck with this now.
    Last edited by sourcrates; 06-08-2018 at 2:31 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
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    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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    • Tarambor
    • By Tarambor 6th Aug 18, 2:32 PM
    • 3,978 Posts
    • 3,023 Thanks
    Tarambor
    • #3
    • 6th Aug 18, 2:32 PM
    • #3
    • 6th Aug 18, 2:32 PM
    You have to apply for a CCJ to be set aside and you have no grounds on which to do so so you can forget that one. The only way to have a CCJ removed is to repay the full amount outstanding within 30 days of the judgement which you again admit you didn't do. That time has passed so it cannot be removed unless there were legal errors in how it was done which by what you've posted there was not.

    The problem as you say is entirely of your own making when you decided not to turn up. Legal advice would have been free from the Student Union and the student support services in the university.

    You are talking complete nonsense when you say a CCJ will stop you continuing with your education. Assuming you've used up your SL allowance it'll make it harder and it may delay it a couple of years but it won't stop you. It might actually be a good thing to have a break to allow you to get a full time job for a couple of years to build up some funds so you can continue your studies without panicking about paying the bills and maybe only taking one part time job.
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