Removing a CCJ

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Have you found a CCJ on your record that you were unaware of?

Although it is not uncommon to discover that you have a County Court Judgment (CCJ) against you, having a CCJ can have a significant impact on your ability to obtain a loan or a mortgage, qualify for some professions and rent a property.

Would I qualify to have the Judgment set aside?

This depends on the circumstances leading to the Judgment. One of the key deciding factors that the court will take into consideration is the delay that has preceded your application for the Judgment to be set aside.

You must apply promptly after being made aware of the Judgment, your next few steps after uncovering the Judgment are crucial. You must also be able to demonstrate that your defence to the Claimant’s claim/Judgment has prospects of succeeding.

Can I still apply if there has been a delay?

You can but the prospects of the Judgment being set aside are lower than if you had taken action promptly. It is entirely up to the Judge to allow the Judgment to be set aside, taking all the circumstances into account. It is important to have a persuasive argument to present.

How much will this cost me?

Fees will need to be paid privately. No-win, no-fee agreements are not viable when defending a claim or applying to set aside Judgment. We could look to work on a fixed fee if we deem this possible – however, fees are likely to be in excess of £1,000 + VAT to conclude matters on your behalf.

Will I succeed?

When deciding whether to set aside the Judgment, the court will consider: whether there is a good reason why the claim papers were not dealt with by you in the first instance and/or why the time limit was not complied with; whether you have a real prospect of defending the claim and whether you have brought your application promptly. This will vary on a case by case basis.

What happens if I do succeed?

It is important to remember that the claim will still continue. Setting aside a Judgment does not bring the original claim to an end. If you intend to oppose the claim, the court will expect you to file a Defence to the original claim and you will proceed towards trial from thereon.

At this point, you can inform the credit agencies (such as Expedia) that the Judgment has been set aside and the court should also confirm this to the relevant agencies.

Frequently Asked Questions

Why should I choose Oakwood Solicitors Ltd?

You will have a dedicated advisor who will see your claim through from start to finish, assisting you in the event of any queries or issues you may have. If it is preferable to you, we are able to assign a female advisor to carry out your claim.

Your case handler will also continue to provide regular updates until the conclusion of your claim, ensuring the process is as stress-free and effortless as possible.

What do I do now?

If you believe or feel you have a claim, contact us for a free initial consultation regarding your options:

0113 200 9720

enquiries@oakwoodsolicitors.co.uk

Danielle Lightfoot — Solicitor and Head of Department

Danielle Lightfoot is a Director and our Head of the Financial Litigation Department. Danielle joined the firm as a Paralegal in 2011 and qualified as a solicitor in October 2014. She has acquired extensive experience in high value, complex litigation traversing numerous practice areas. Danielle is a specialist in financial miss-selling matters, with a particular interest in Pensions and Investments.

Danielle assisted in setting up the Finance Litigation Department. She took over as Head of the Department in 2017 and since then the firm has established a reputation as one of the leading law firms specialising in financial mis-selling claims.