Home > Court Judgment > Get a Court Judgment Taken Off the CCJ Register

Get a Court Judgment Taken Off the CCJ Register

By: Lorna Elliott LLB (hons), Barrister - Updated: 18 May 2017 |
 
County Court Judgment Register Hearing

When a county court judgment is entered against you, you are undoubtedly going to be concerned at how it will affect your credit rating. The truth is, there are only limited circumstances in which you can have a county court judgment removed. Paying the debt is unlikely to be sufficient, and you are likely to have to initiate the removal yourself.

A County Court Judgment is entered against you in the ‘Register of Judgments, Orders and Fines.’ This happens if proceedings have been issued at the county court, and:

  • you then admit the claim, or
  • the claimant successfully applies for summary judgment or judgment in default, or
  • judgment is entered against you after a final hearing

At this point, the CCJ will be entered against you and will remain on the register for six years.

Paying Within 30 Days

If you pay the full amount of the judgment within 30 days of its issue, the judgment will be marked as ‘satisfied.’ If you do this, do not assume that the CCJ will automatically be removed from the register. The creditor may do you the courtesy of informing the court that you have paid the judgment, but then again - they may not. In this situation, the best thing to do is to tell the court yourself. There are three steps to take:

  • search the register to see if your judgment is recorded (you can do this by entering into a search engine ‘search the county court register’). There is a small fee involved.
  • If the CCJ is on the register, make sure you have proof that you have paid the debt (you could get this from the creditor)
  • contact the court and ask them for the form to remove it, fill it in and send it back with the fee (this is £10.)

Having the Judgment Set Aside

If you have not paid the judgment within the 30 day period, in limited circumstances you may be able to have the judgment set aside. This is the appropriate course of action if the CCJ was entered into the register wrongly, for example, the amount of money that the creditor says you owe is wrong or if you did not owe the creditor money at all (and you can prove it.) It is also important to note that setting the county court judgment aside does not end the matter. Although this CCJ may be set aside, it does not prevent the creditor from issuing another set of proceedings against you. Again, if judgment is entered against you and you don’t pay the amount within 30 days the new judgment will be on your credit report for 6 years. A judgment can also be appealed. If you appeal successfully, the court will automatically remove the entry in the register for you.

Getting the CCJ Marked as Satisfied

If you pay off the CCJ outside the 30 day period you can have the judgment marked as ‘satisfied.’ This will not remove the CCJ, but means that if prospective creditors do a search on your credit record they will be able to see that you have paid the CCJ in full.

Getting a Judgment Removed on Grounds of Unfairness

If you have a copy of your credit report and there are unfair or incorrect CCJs recorded against you, you can apply to have them taken off the register. To do this, you need to complete a form N244 (available from the HMCS website). Enter the information relating to the county court judgment onto the form and give the reason why the CCJ should be set aside. This could be, for example, because you were the victim of identity theft, or you did not receive the summons because it was sent to the wrong address. In other situations, you could also have been unable to attend court to defend the claim (forgetting or ignoring the summons is not sufficient), or perhaps you agreed to pay the debt but the creditor got a judgment against you anyway.

Your Credit Rating

To get the CCJ removed from your credit report, you will need to write to the finance company involved and ask them to confirm in writing that the debt is settled or repaid. Then, armed with this information, you should contact the credit reference agency asking for the CCJ to be removed from your file. It will take about one month for your file to be updated and the CCJ removed.

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[Add a Comment]
I have a hearing date next Thursday for the CCJ which I have already paid,it was issued on 2012 by Arrow Global whom they bought the debt from Halifax. I made the payment three months ago and since that I haven't heard anything from Arrow Global but I am going to court in order to remove the satisfied judgment from my credit file as I have documented proof I was not living on the address where Arrow Global was sending me the court proceedings in year 2012.what chances I have in order to remove the paid judgement from my credit file?
Skiip - 18-May-17 @ 12:06 PM
I've lost a ccj case because the court lost a piece of evidence and ruled against me based on my allegedly not sending the evidence in. The claimant broke CPR rules but this was overlooked as my evidence was discounted by the judge because of the missing document. Similarly I did not receive the judgment until 28 days after the hearing so am left in a dire situation. I had advised the court I was not attending the hearing (I am disabled and in ill health) and this was noted. What can I do now?
Smurf1510 - 5-May-17 @ 12:19 PM
Hi, I had a company and we entered a contract and the other party defaulted however they turned it on me and said I defaulted and took me to the high court as the contract value was over 100K limit, basically I couldn't afford to properly defend the case so they won by a default, anyways in 2015 they send me a letter showing they have requested a third party debt order for my personal account because they took me personally to court and not my company anyways I had assumed that the judgement would be on my credit file or the register of judgements, defaults and fines however I did a search on my credit file and also on the register of judgements but it states no judgements are against me or the company so am wondering have they set it aside themselves because they realised I have been unemployed due to depression since the court proceeding started in 2013 and that I have no money to actually ever pay the judgement, if so how do I find this out if no judgement is even recorded do I contact the actual original court or what exactly but am afraid to do so just in case they did the mistake and not register the judgement or that they will start chasing me again now that am working again even though am earning less than 1100 a month, any advise is appreciated.
AK - 24-Mar-17 @ 1:41 AM
Chealey - Your Question:
I got 2 parking tickets a couple of years ago and have since moved address. At my old address I received a few letters asking me for the sum of around £600 for the two tickets but I ignored the lot. I haven't heard anything since and am always wondering if I will just be hit with a ccj out of nowhere and if there is anything to do or should I just keep ignoring it?

Our Response:
Much depends upon whether it is a public or private land parking ticket you have received. Likewise, some tickets are enforceable by law, others not. You could check whether you have a CCJ attributed to you if you check your credit files with Experian or Equifax (CRAs hold details of CCJs for six years).
AboutSmallClaims - 23-Mar-17 @ 1:45 PM
I got 2 parking tickets a couple of years ago and have since moved address. At my old address I received a few letters asking me for the sum of around £600 for the two tickets but I ignored the lot. I haven't heard anything since and am always wondering if I will just be hit with a ccj out of nowhere and if there is anything to do or should I just keep ignoring it?
Chealey - 22-Mar-17 @ 10:36 PM
Received a ccj because of parking ticket in an old address where it was allocated parking I didn't receive the court paperwork as it went to old address so I couldn't defend my self it went ton in January had I have know I could have aid it Before it Ruined my life
Saps - 18-Mar-17 @ 1:29 PM
Hi I was in small claims court against my old employer and I had to pay £1003 in total. I was in court on 13th Jan and I asked the judge wat to do about payment and he said wait until you receive your letter. I received the letter dated 13th Jan on the 10th ov Feb saying I should make my first payment on the 31st of Jan or pay in full with in a month to avoid a ccj on my file. It gave me literally 2 days to try and come up with the money to pay it all off. Is this fair I feel like I didn't get the time to try pay it in full. Also the ammount on the letter isn't the same ammount as what the judge said in court. Is there any way I could get this off my file. Also I spoke to the court and she said the letter was sent out on the 31st Jan. What good is it sending a letter 2nd class on the 31st of Jan saying I have to make my first payment on the 31st of Jan?
Andy - 6-Mar-17 @ 1:38 PM
I've got a CCJ from parking eye for a less than 15 mins overstay at Sunderland hospital. I've now found out that neither the hospital or parking eye had planning applications to install ANPR Cameras or signage. There's been a story about it in my local newspaper
Col - 3-Mar-17 @ 11:24 AM
I'm a merseyside delta private hire taxi driver. I got a job to Manchester and then received a ticket for using a buses/taxis lane though I am a taxi!!! I had a paying customer in car and in Liverpool we are allowed to use all blue signed bus lanes. Salford council said this taxi sign only applies to Hackney taxis even though the sign only says taxis .. no mention to types of taxis. independent appeal tribunal said they cannot force council to use theit discretion.. and I had no invitation to county court to defend my position. the next thing I knew bailiffs were at my property and immobilised my car unless I payed them 400 quid!! the fine was originally 70!! I had to pay it before my car was removed and sold!.. now when I'm trying to get taxi insurance I can't because of ccj.. unbelievable.. system just wants to beat you down.. what can you do...
Oz - 1-Feb-17 @ 12:07 PM
I had a parking ticket while parked in my mother in laws flat and had a county court judgment didn't even know what they had done, how can I get it removed
Becky - 12-Jan-17 @ 7:14 PM
Hi I've noticed that a court has issued a CJ against me for a debt which was included in my bankruptcy! The bankruptcy date was 13/01/2016 and the ccj was issued 25/01/2016. As I understand it that means that at the time the ccj was issued I did not owe the creditor any money due to the bankruptcy having cleared the debt? Can I now apply to the court to have this ccj removed from my record completely? Thank you for your help.....
Lana - 11-Jan-17 @ 5:51 PM
I won a small claims case last month and the defendant has gone on to appeal the judgement. Today, his request to appeal has been refused. I realise he can appeal this decision also but if he doesn't, what is my next move? Do I have to enforce the judgement? I would appreciate advice as I really can't afford a solicitor. Thank you.
rosie's papi - 6-Jan-17 @ 4:16 PM
Hi I have checked my credit report and I have CCJ that was paid. It states the issue date at 11th January 2013 however also states Court Judgement Paid - Discharged - 02nd November 2016. Can this be removed or must I wait for another 3 years? Thanks
jay - 14-Dec-16 @ 10:55 PM
I have just checked my credit file and have seen a CCJ on my record which is dated from December 2013 when I wasnt even living in the country.This was never served to me, doesnt have my full name (only my initial) but has my address so is associatred with my personal file. Please can you advise waht my options are to remove this CCJ. Thank you in advance.
Jaste - 7-Dec-16 @ 7:15 PM
I received a ccj last month for a parking fine in March of this year. the reg number is for a Vauxhall zafira. now this is what I don't understand. I gave that car back to the finance company 13 months earlier. what can I do because nobody is willing to help sort this mess out
hobo - 3-Dec-16 @ 7:01 PM
Hi, What can I do to get the CCJ removed from my record ? I realised it late, and the month after judgement had already passed, hence eventually turned into a default . I did however pay for it, but its still on my record and having a significant adverse effect on my life going forward. What can I possibly do to get this off my record ? What can I possibly do to have this off my record, other than waiting 6 years...?
WarriBoy - 1-Dec-16 @ 8:24 PM
bank - Your Question:
Please I need an advice , I did a guarantor for a friends last year June 2016 to borrow money from one the high street lenders for the loans of £5,000 , which they suppose to pay for 5 years , but after 3 months of collecting the loans , they are cancelled the direct debit , which the company call me to notified me about it.when I called them to ask about it , he said they change the bank and the payment will be delayed , which I called the loans company back to inform them about what he told me.To my surprised I got a ccj letter in my name that I need to pay back £11,000 now , and have been trying to reach out to my friends about it , he refused to pick my calls. don't know what to do , although have ask the court to set the judgments aside which they have already fix a date for the hearing in December 2016.just want to know if I need a barrister to represent me or I can do it myself , cos of my name is at risk at the moment.

Our Response:
As a guarantor, you may have to pay all of a loan repayment if the person awarded the loan defaults, as it is you who is actually responsible for making the repayments if the borrower wont and/or can’t. This means you could be called up at anytime to make the repayments and bank or lender will allocate some of your income to repaying that debt on the lender's behalf. If you, as the guarantor, attempts to defend the claim, you need to have good reason i.e claiming you didn't understand what you were signing wont stand up in court if the loan company can prove you read and were fully aware of what you were committing to. You would be advised to seek legal advice in the first instance. However, we can't advise what type of court representation you should seek, as much depends on whether you have a case to answer.
AboutSmallClaims - 29-Nov-16 @ 11:34 AM
please I need an advice , I did a guarantor for a friends last year June 2016 to borrow money from one the high street lenders for the loans of £5,000 , which they suppose to pay for 5 years , but after 3 months of collecting the loans , they are cancelled the direct debit , which the company call me to notified me about it . when I called them to ask about it , he said they change the bank and the payment will be delayed , which I called the loans company back to inform them about what he told me . To my surprised I got a ccj letter in my name that I need topay back £11,000 now , and have been trying to reach out to my friends about it , he refused to pick my calls . don't know what to do , although have ask the court to set the judgments aside which they have already fix a date for the hearing in December 2016 . just want to know if I need a barrister to represent me or I can do it myself , cos of my name is at risk at the moment .
bank - 28-Nov-16 @ 11:38 AM
I am totally dumbfounded with people entering my name and my daughter’s name as the two claimants with CCJ on a credit reference. The error was originally made by the court. I called the court and they checked the Case Number and advised me the error was immediately corrected on double checking for accurate entries. The court advised me the correction was annotated in the document. Unfortunately, the Broker proved to me in an email with Credit Reference Agency’s document without the annotation visible. It also included entries of all mine and my family’s personal details on it and this should never have happened. I called the Broker and advised, the court official would be willing to confirm whose name should be on the CCJ. Unfortunately, unless it is amended and removed from r Credit References Agency record, the Lender’s check would receive the same information. If the debt is settled, surely this CCJ should be inactive. I guess, the Defendant probably had checked for removal and found his name was not on record. I am in need of urgent advice to error correct this CCJ or removed immediately and completely. In any case, my personal details and all my family’s detail should not have been made public, but for the CCJ in my name. It had taken me a year to find a house suitable for my ‘special’ son and I am his 24/7 Carer and his dependent. Now, I am in a quandary as this problem will surely destroy my chance of buying a property I made an offer. I would probably have to spend another year or so, to find a similar home Taylor made for my ‘special’ son. It was purely by chance I found this out when two Brokers came back to me with their repayment quotations and costs from almost identical Lenders. I asked the first broker with more expensive costs and repayment plan, why the substantial difference to financial quotations. He advised me his company checked with the credit agency prior to Lender’s approval. Whereas, the other Broker provided me with costs and repayment plan without credit reference search. This Broker would leave the Lender to perform the credit reference. It will surely result with the Applicant being disappointed and time wasted. A revision made to the costs and monthly repayments for increment. Can you please advise me on the fastest method to resolve this issue? I did, however, recommend the first broker who obtains my credit reference details to phone the court official I spoke with and confirm the error checked. I look forward to hearing your advice. Many thanks
Batuo - 16-Nov-16 @ 10:24 PM
I am totally dumbfounded with people entering my name and my daughter’s name as the two claimant with CCJ on a credit reference. The error was originally made by the court. I called the court and they checked the Case Number and advised me the error was immediately corrected on double checking for accurate entries. The court advised me the correction was annotated in the document. Unfortunately, the Broker proved to me in an email with Credit Reference Agency’s document without the annotation visible. It also included entries of all mine and my family’s personal details on it and this should never have happened. I called the Broker and advised, the court official would be willing to confirm whose name should be on the CCJ. Unfortunately, unless it is amended and removed from r Credit References Agency record, the Lender’s check would receive the same information. If the debt is settled, surely this CCJ should be inactive. I guess, the Defendant probably had checked for removal and found his name was not on record. I am in need of urgent advice to error correct this CCJ or removed immediately and completely. In any case, my personal details and all my family’s detail should not have been made public, but for the CCJ in my name. It had taken me a year to find a house suitable for my ‘special’ son and I am his 24/7 Carer and his dependant. Now, I am in a quandary as this problem will surely destroy my chance of buying a property I made an offer. I would probably have to spend another years or so, to find a similar Taylor made house for my ‘special’ son. It was purely by chance I found this out when two Brokers came back to me with their repayment quotations and costs from almost identical Lenders. I asked the first broker with the more expensive costs and repayment plan, why the substantial difference to financial quotations. He advised me his company checked with the credit agency prior to Lender’s approval. Whereas, the other Broker provided me with costs and repayment plan without credit reference search. This Broker would leave the Lender to perform the credit reference. It will surely result with the Applicant being disappointed and time wasted. A revision made to the costs and monthly repayments for increment. Can you please advise me on the fastest method to resolve this issue? I did however, recommend the first broker who obtain my credit reference details to phone the court official I spoke with and confirm the error checked. I look forward to hearing your advice. Many thanks
Batuo - 16-Nov-16 @ 10:18 PM
I have a 2 CCJ recorded against my name, one is paid on 13/12/2015 and still show on my credit file and other one can't get through the creditor to paid to.. can you please advise me what to do. Thanks
Jonesey - 25-Oct-16 @ 1:18 AM
Hi, I received a CCJ against me in 2012 and as I was in the process of selling my house the order was placed against the property so as soon as the house was sold the money was paid to the Creditors £2742. I must admit I should have checked before now but my last credit report shows an Unsatisfied CCJ for £2742. I have evidence from my solicitor to confirm it was paid in 2012. Can the Creditors be held accountable for not updating the Court Register? In the intervening 4 and a half years I have been declined mortgages, credit cards, loans and overdrafts and having this on my file has played a major part. I paid in full within one month so it shouldn't even by a CCJ nevermind an Unsatisfied CCJ. Surely Creditors shouldn't be allowed to get away with this. What encouragement does that give people to pay debts if even when they do get paid they get penalised anyway and future creditors are put off thinking it hasn't been settled?
mattyjames - 14-Oct-16 @ 4:02 PM
I have a judgement against me that has 18 months left on my record, that I have not paid anything towards. The court say the last thing they have on file is my offer of payment buy the claimed never responded, would I be able to get this removed so I can go get a mortgage
Sk - 18-Sep-16 @ 12:30 PM
In 2007 ,I lent ,a friend my minibus he hit a car he did not have,insurance, so my ininsurance companychased me for ththe money , then without me knowing the companyhad takenme to court, we just got an mortgagemoved in 2012 , now in 2014 the courts put a ccj on my creditfile , I paid off the company this year and I found theccj ,I have asked the companyto contact the courts to get it removed, Which they said they would do ,I have herd nothing what can I do ?.
George Powell - 18-Sep-16 @ 10:04 AM
Marco - Your Question:
I have just found out I have a ccj against my name. This happened over a year ago. I have never received any notification about this debt outstanding or court case against me. Who can I contact re this mistake?

Our Response:
Please see gov.uk link here for more information.
AboutSmallClaims - 19-Aug-16 @ 10:46 AM
I have just found out I have a ccj against my name. This happened over a year ago. I have never received any notification about this debt outstanding or court case against me. Who can I contact re this mistake?
Marco - 18-Aug-16 @ 12:54 PM
My partner had ccj back in 2007 we have just gone to private rent but its popped up when the search was going through the new landlord ants prove its paid but the court as no revord off it and we need it sorting before sat what can ido
Sally King - 8-Aug-16 @ 4:19 PM
I have ccj in 2012 but it's been payed .but it's still in my credit history how can I move that
Dildar Akhtar - 15-Jul-16 @ 5:34 PM
Hi, I've just found out that I have had a CCJ against me which I had no idea about, when the people who took the action out against me bought the debt I was living in another city so was completely unaware that I was being chased by them and that they had issued proceedings, they have now finally found my correct address (which is obviously how I now know). I've read that they can send to your last known address (I did not provide the original company to who I first owed the debt my new address) but do I have any chance of getting the CCJ set aside just because they sent to the wrong address and was completely unaware or is it a non starter?
Ben - 1-Jul-16 @ 6:52 PM
I got a ccj for a private parking company back in March 15.. I argued it for many months but ccj was still found against me. We had debt recovery plus letter asking to pay by 6th Nov15. I paid on the 6th (friday) and that was that (I though). I went to check my credit score this morning for the first time as saw it was very low and found out it was because of this ccj and it said active. I went through my bank statements and see the money didn't go out until the 9th (Monday). I didn't even think about it as I thought payment would be taken straight away (silly me). Is there anyway I could have this removed without paying to have it 'satisfied'? Thanks.
SE92 - 27-Jun-16 @ 11:05 AM
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