CCJ on Credit File? Get CCJ Removed

If you’ve received a CCJ on your credit file? Don’t panic, apply now today to get CCJ removed and consult with our certified debt advisors for how to pay a CCJ.

Getting a County Court judgment (CCJ) will certainly affect your credit report and credit rating and make it tougher to obtain credit facility.
However the impacts do not last for life, and if you can afford to pay the CCJ off immediately you might have the ability to get it removed from your credit report.

Variation of CCJ (County Court judgment)

If you have received a CCJ & are wondering how will it reflect on your credit report. Read

We have written a detailed overview of different situations you will face & the potential solutions in each cases.
The different points covered by us are:
CCJ (County Court Judgement)

Exactly how will a CCJ affect my credit report file?

Most of the time, your credit report will already be impacted by any missed payments or default notices issued by your creditors before the CCJ registered in your name.
Your CCJ will be added to a public data source called the Register of Judgments, Orders and fines. The register is operated by a firm called “Registry Trust” and all courts send them information of all new CCJs.
Your CCJ will stay on the register for six years from the day of the judgment, even if you pay it off. During this time, anyone can check the public register to find out if you have an outstanding CCJ, for a small fee.

How long does a ccj stay on your credit file?

Your CCJ will certainly also show up on your credit report (Public records section) for 6 years from the date of the judgment. Your credit report is not noticeable to the public. But if you attempt to secure an additional credit facility, loan providers will have the ability to see that you have a CCJ.

After 6 years, information of the CCJ will certainly be eliminated from the public register as well as from your credit report data, even if you have actually not yet paid all of it off.

Having a CCJ on your credit report will make it a lot harder to secure more credit. Nevertheless, if you are dealing with personal debt, one of the most crucial things is that you get suitable debt advice to handle your debt problems. Once you are back in control, your credit score data can be repaired.

Get debt assistance – Call us on 0203 318 0990, +44 7779648018 for suitable debt advice and CCJ help.

What happens if you cannot pay your CCJ?

If you returned your court forms (Admission) on time, and the creditor or court concurred that the amount you were offering was reasonable, the CCJ might be paid off with the same amount you used as an affordable payment. This will typically be month-to-month installments.
As long as you pay the appropriate total up to your CCJ in a timely manner, the claimant may not enforce debt liability repayment aggressively. If you are a homeowner, they can apply for a charging order to protect the debt against your residential or commercial property.
If you do not manage, your CCJ the claimant can begin taking more enforcement action.
If you really did not return the forms in time, or you have been asked to pay greater than you can afford you have two options:
These options are discussed in more detail in the areas listed below.

Option 1: Apply to payment amount you can afford on monthly basis

If you did not return your admission form on time, or if the financial institution/claimant and court really did not agree with the amount you offered to pay, you might obtain a CCJ, which you cannot manage to pay.
This could be established with month-to-month installments you cannot pay for, or it might inform you to pay the entire amount immediately. The term “forthwith” is used to define this on the CCJ judgment letter.
For the most part, you can ask the court to reconsider yet you need to act swiftly.

There are two options to ask the court to re-assess the repayment:


This process permits that you ask the court to evaluate the repayment you were told to make towards the CCJ and change them if they are not affordable. This is cost-free to apply, however is just offered if the following problems are fulfilled:

You make an application for redetermination by contacting the court as well as enclosing a copy of your budget plan revealing the quantity you can pay. We have an example letter you can use to do this.
If you are original, a Court officer decides CCJ repayment, when you apply for redetermination a District Judge will examine your form and decide what the rate of payment must be, generally without a hearing.
Yet if a District Judge (County Court Judge) chose the original CCJ repayment, you will be asked to attend your local County Court hearing centre for a hearing to decide the new rate of payment plan.
If original CCJ payments were made by a District Judge at a hearing, you will not be able to get a free redetermination application. This does not happen commonly because most CCJs are made a decision by court officers with no hearing.


This procedure asks the court to change the repayment installments if they are too high or unaffordable by the defendant.
You can request variation any time if your financial circumstances change, yet there is a court fee payable for such application. If you are on a low income, you may be able to get this very free using the form EX160.
To look for variation in your monthly payment, you need to fill in court form N245. This is similar to the N9A admission form.

N245 – Application for suspension of a warrant and/or variation of an order.

You send the completed N245 form to the court with an appropriate fee, or with proof that you are exempt from court fee, use form EX160.
The court will send out the N245 form to the claimant to inspect if they agree with the new instalments. If the claimant does not agree, the court will certainly make a decision for a reasonable payment. Normally this will be done without a hearing.
The court will then write to you with details of the new instalment. There is no guarantee the CCJ instalments will be set at the amount you chose to offer.
To avoid the risk of your creditor/claimant beginning further enforcement action, if you’re applying to differ the CCJ you’ll be required to maintain paying the instalments agreed in the initial CCJ judgment letter until the court contacts you with details of the new repayment. This can take a couple of weeks.

Received a CCJ and need help and support?

Contact our team for a confidential and no-obligation appointment to discuss your case and get personalized advice.

Option 2: Apply to have CCJ Cancelled or “Set aside” if it ought to not have occurred

You might be able to obtain a CCJ cancelled if it needs to never have actually taken place in the first place. This is referred to as “Set aside”.
If a CCJ is set aside, it puts you back in the position you remained in promptly before the judgment occurred. This indicates you will obtain a chance to put forward a defence against the CCJ if you missed your chance to do this when the forms were first

Setting aside a CCJ is typically feasible if every one of the following conditions are satisfied:

There is a 255 pound court cost to set aside a CCJ (March 2019), and you will be required to attend a hearing. If you are on a low revenue, you may be able to get this free of charge using the EX160A form, which can also be completed online. We suggest you call us first if you are considering this option.
If you do not have an excellent argument to show why the CCJ should never have occurred, putting it apart is not likely to work. We advise getting further advice before you apply to set aside a CCJ.

Struggling to pay a CCJ?

If you are finding it tough to pay your CCJ or you are not exactly sure how much to offer towards repayment, we can assist.

Call us on 0203 318 0990 for debt advice and CCJ help in preparing your case or dealing with repayment under suitable debt plan, in case there are other creditors chasing you for repayment.

FAQ (Frequently Asked Questions)

  1. Verify CCJ Details: Review the judgment details for accuracy.
  2. Pay the CCJ: If possible, pay the judgment in full to mark it as “satisfied.”
  3. Seek CCJ Set-Aside: Consider legal action to challenge an unjust CCJ.
  4. Wait for Six Years: CCJs automatically drop off your credit report after six years.
  5. Maintain Good Credit: Keep your credit clean by paying bills on time and avoiding additional debt.
  6. Dispute Inaccuracies: Contest any errors related to the CCJ with credit reporting agencies.