How to remove CCJ judgements is a major concern for many people who have a CCJ ruling. This page discusses removing CCJ rulings from your history.
When a person is no longer able to pay for his debt, a civil case will be brought to the County Court in Wales and England or to the Sheriff Court in Scotland. The court can make a decree or a judgment against the borrower (or the debtor) that will remain in effect until such time that the whole debt is paid.
Can A Person Remove CCJ Rulings?
Although a CCJ is evident in a person’s record, this will not necessarily rule out credit possibilities. However, potential lenders will view the borrower as someone who has not been able, or has been unprepared for financial obligations during the past. They may see this as a reflection of a borrower’s intention and ability to do the same in the future. With this regard, it is important to remove CCJ rulings if possible.
For information, most CCJ cases are the result of an undefended county court summons. This usually happens when the defendant happen to have no idea of the correct course of action needed to resolve the potential CCJ problem. When this happens, the court will enter a CCJ by default.
What Happens When CCJs Are Given?
The court’s Central Registry will forward the information about the CCJ to credit reference agencies. Debts to a particular creditor can be paid in full, however the CCJ will remain on file. This is done partly if there has not been a request lodged to remove the CCJ. This can happen simply because whoever received the judgment is not aware that it was necessary. If a CCJ is set aside, the court will then automatically remove the entry from the County Court Judgment’s Registry.
Here are some of the important details you need to know in removing CCJs:
- The name of the plaintiff: this is the name of the creditor.
- The CCJ case number: it is important to secure the case number, otherwise it will lead to a rejection from the court.
- The original summons.
- The name of the Court where the CCJ was imposed.
To have your CCJ removed, do the following steps:
- You must have to secure a current copy of your credit file. This can be requested in the internet or through a hand written request addressed to any credit reference agencies, such as Equifax or Experian.
- Obtain all information regarding the CCJ that has been issued to you. This will be available from your credit file.
- The next step is to create a letter asking the court to send all the details of the CCJ they have sent against you.
With these steps, you may be able to remove CCJ history from your credit record.