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CCJ Advice Blog

Why would you want to remove a CCJ?

In the landscape of consumer credit County Court Judgements (CCJs) wield considerable influence over an individual’s financial health. In this article we talk about why – and how – to remove a CCJ.

Despite their significant impact, many consumers are unaware of the potential avenues for removing CCJs from their credit files, and how in specific – but not uncommon – circumstances CCJs can be completely removed from a credit file. It is imperative to recognise that under certain circumstances, CCJs can be expunged, thereby alleviating their adverse repercussions on creditworthiness and financial opportunities.

Reasons why you would want to remove a CCJ from your credit file include:

  1. Enhancing Credit Score: CCJs cast a shadow over credit scores, making it arduous to secure favourable terms on loans, mortgages, or other credit products. Your car insurance costs, or your ability to insure a car, can be impacted by having a CCJ.
  2. Unlocking Financial Opportunities: A clean credit file, devoid of CCJs, enhances eligibility for various financial opportunities, such as accessing credit cards with competitive interest rates or securing favourable insurance premiums.
  3. Evasion of Legal Restrictions: CCJs can impose legal constraints on individuals, hindering their ability to enter into contracts or engage in specific financial transactions.
  4. Preservation of Reputation: A CCJ on one’s credit file can tarnish their reputation in the eyes of potential employers, landlords, or business partners, potentially impeding future prospects.
  5. Mitigation of Stress and Anxiety: Dealing with the aftermath of a CCJ, including debt collection efforts and legal proceedings, can significantly contribute to stress and anxiety, underscoring the importance of timely resolution.

Self-service removal versus professional support

Understanding how to remove a CCJ from your credit file is pivotal in navigating the intricacies of the legal process and safeguarding one’s financial interests. Seeking professional assistance from experts specialising in CCJ removal means they can provide invaluable guidance and support in pursuing avenues for CCJ removal.

By leveraging their expertise and adhering to prescribed procedures, individuals can effectively navigate the complexities of the legal system and achieve equitable outcomes.

Professionals can take over a significant amount of the CCJ removal process, meaning that not only are you potentially more likely to successfully have a CCJ removed, they are also following tried and tested approaches in the correct manner. The process of removing a CCJ may be challenging for a typical consumer, and therefore mistakes may be made by them in the process.

I’ve helped thousands of people remove CCJs from their credit file, and improve their financial wellbeing. The first step is to acknowledge that the CCJ is problematic and to reach out to experts to assess your case. We make that first step easier through our free case review, which means there is absolutely no cost for us to assess your CCJs.

Luke Memory F.Inst.Pa, Director of External Affairs at CCJ Removal Services CIC

It is essential to note that the process of removing a CCJ from your credit file entails adherence to specific legal criteria and procedural requirements.

Depending on the circumstances surrounding the CCJ, options for removal may include contesting the CCJ if it was obtained unfairly or erroneously. Engaging professional support experienced in this area can facilitate the exploration of available remedies and ensure compliance with regulatory standards.

The ability to remove a CCJ from your credit file offers a crucial lifeline for individuals seeking to restore their financial standing and regain control over their creditworthiness.

By understanding the legal mechanisms governing CCJ removal and seeking professional guidance when necessary, consumers can effectively navigate the complexities of the credit landscape and pursue equitable resolutions to their financial challenges.

Key Steps in Removing a CCJ:

  • Assess the CCJ: Get professional advice on your CCJ and if it can be removed from your credit file.
  • Appoint a CCJ Removal expert: Hand over the work required for the CCJ removal to a team of experts.
  • Await the outcome: The process of removing a CCJ is not instant, but it should be able to be completed in a sensible period of time.
If you need help with your CCJ, please reach out to us.
You can call our team on 0161 711 1300 to get a free review of your CCJ.

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*Free Review/Case Assessment Terms
To provide a Free Case Assessment we will use our best endeavours to assess your case. Solely based on the information provided by you in our initial call we will try to establish if you have legal grounds to ask the court to Set Aside your Judgment (remove a CCJ). However, there are occasions where a case can be too complex or of too high value for us to do this and in such circumstances, we will advise that we can instruct a fully qualified Barrister to provide a written legal opinion at a fixed upfront cost. This is an essential component of our service as we are licensed by the Bar Standards Board and this enables us to provide clients with access to high quality professional legal advice at a reasonable cost. In such cases the Barristers opinion becomes your property, and you are not obliged to continue with any further services from CCJ Removal Services C.I.C.. The Barristers opinion will be offered to ensure that we are always giving clients the best advice from the first enquiry that they have made with CCJ Removal Services C.I.C.. There may also be circumstances where we have provided a Free Case Assessment and further information about the case is discovered after we have started the work. This also may dictate that we must then instruct a Barrister to provide a written legal opinion to ensure that you are taking the correct course of action and to protect you from becoming liable for the claimants costs.

CCJ Removal Services C.I.C.

Company Registration Number: 14104820
Registered Office:16 Upper Woburn Place, London, Greater London, WC1H 0AF

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CCJ Removal Services C.I.C Registration number 14104820 are a Not for Profit, Community Interest Company, we are not solicitors and we are not regulated by the Solicitors Regulation Authority (SRA). We are regulated by the Office of the Regulator of Community Interest Companies .We are members of the Institute of Paralegals (IOP) and the Civil Mediation Council (CMC). We hold Professional Indemnity Insurance of £1M and we are Licensed by the Bar Standards Board (BSB) to Instruct Barristers. We can assist clients in the process of removing a CCJ and can assist you in dealing with the claimant and the court service on your behalf. Our team is made up of either qualified or experienced paralegals who we employ as case workers. . You will remain a Litigant in Person (LIP) throughout your case. We can arrange Court representation for you via a Regulated third party court advocacy provider, Barristers Chambers or a Barrister directly. We can assist you to complete court paperwork, and assist you to draft legal documents. We will advise and guide you through the court process. We pride ourselves on providing an excellent service at an affordable cost and we will always do our best to exceed clients expectations. You cannot make a complaint about us to the Law Society, The Legal Ombudsman or the SRA as we are not regulated and fall outside of their jurisdiction. You can complain about a Regulated Barrister to the Bar Standards Board (BSB), if you are unhappy with the service that they have provided. If you have any questions about our service and how we work we welcome you to contact us so we can explain in full and email you full details of our services. Any complaints about our service would need to be referred to the Office of the Regulator of Community Interest Companies https://www.gov.uk/government/organisations/office-of-the-regulator-of-community-interest-companies/about/complaints-procedure However we will do all we can to resolve any complaints before this becomes necessary.