If you wish to book a Direct Access Barrister who covers the above area of law to provide advice get in touch as soon as possible. You can call 0207 867 3744 to provide details which can be provided to Direct Access Barristers to assist you. A Direct Access Barrister will take further details of your enquiry preferably by email in the first instance and then revert back to you with a quote. Once you have agreed the quote you will be sent a client care letter with terms and conditions for you to sign, return and make payment, which is due in advance of the provision of the service required.
Remove a County Court Judgment
Once a CCJ has been entered, if not paid in full within thirty days it is kept on record for six years by the register and credit reference agencies (CRAs); there is no way to expunge the record of a correctly granted CCJ, although later payment will be recorded. The record is removed after six years. The Office of Fair Trading warned about credit repair companies that offer, for a fee, quick-fix schemes purported to remove a file from the CCJ register. In some cases a CCJ is made against someone who did not receive the notification of the court case, often due to it being sent to an incorrect or former address, and is not aware of the judgement; this may lead to unexpected refusal of credit. Checking of the Register or CRA records will find such cases.
The County Court is a national civil court for England and Wales with unlimited financial jurisdiction.
The County Court sits in various County Court buildings and courtrooms throughout England and Wales, and not in one single location. It is a single court in the sense of a single centrally organised and administered court system. The County Court centres the court sits in today correspond to the earlier individual county courts.
The records can be checked by anybody on payment of a small fee. When a person applies for credit or finance, potential creditors normally check CRA records, refusing applicants considered to have a bad credit history; a CCJ on record makes it much more difficult to obtain finance through the normal channels. Some lenders will lend to people with CCJs against them, but usually on unfavourable terms, e.g. through a very expensive payday loan.
If regular payments to the court are being made this is recorded on the credit file in addition to the record of the CCJ, and goes some way to lessen the negative credit rating impact. Once the full amount owed is repaid the CCJ is marked as ‘satisfied’, but remains on file. The record of a CCJ which is satisfied within one month can be removed altogether on application to the Register (and hence the CRAs).