How to dispute a county court judgement
How To Remove A County Court Judgement (CCJ)- Advice & Help
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okay welcome to the financial freedom
and education channel and today we're
going to talk about County Court
judgments or Shelton's sometimes to see
cj's you may have heard them referred us
and we're going to talk about how do you
remove them from your credit file now I
think everybody's probably aware that a
county court judgment as a rific effect
on your credit score and your ability to
borrow money whether it be for a car
loan whether it be for leasing whether
it for getting a credit card a mortgage
a bank loan
it really can hinder you and and yes
it's still possible in some instances to
get some of these services like loans or
credit cards etc with a county court
judgment a ccj but you will end up going
to companies where the interest rates
are inevitably a lot higher and if
things go wrong penalties can be can be
a lot higher as well so in an ideal
world you don't want to be on the
receiving end of of having a county
court judgment a ccj on your credit file
but lights life then these things happen
and so today we're going to talk about
how you actually can get a CCJ account
got judgment removed now if you like
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videos okay so onto the video now the
first way to get county court judgment
removed and probably the best is in the
first month of receiving it so if you're
in a position where you've got a county
court judgment issued against you you're
fully aware of it the best way to
actually get that removed is to clear it
within the first month and and that
first month is really critical if you
can get that cleared off in the first
month and you get the credit to the
people you owe the money to
to inform the court that it has been
cleared that will be removed from your
credit file altogether it's
important to get it in writing from the
creditor the people that you owe money
that you have in fact paid them that it
has that in fact being settled and that
they confirm that they have informed the
call so that it is removed all traces
from your file now if they don't do that
you can still do it yourself via the
call you can get proof confirmation that
the debt has been settled and I think
there's a 15-pound fee you can pay
direct to the court and have that
removed all together all trace of it
from your file so that first month is
really critical the other critical thing
is is if you do settle it in that first
month is make sure that the creditor the
people you owe the money to have
informed the court and I would always
say to belt embraces it
it's contact the court yourself and make
sure they have done that because the
last thing you want to do is go to all
that trouble of making sure it's all
settled cleared in the first month and
then nothing's done you want to make
sure it's done so get that done so
that's the that's the first way you can
get it removed and that is probably the
best way now you may ask well what
happens if were sort of six months
twelve months 18 months down the line
and I managed to settle that I managed
to come up with the funds I can settle
off the debt that I owe for the
counterculture Sherman will that help
make and yes it will so if you if you do
do actually settle the debt you can
apply to have it marked as settled on
your file now unfortunately the counter
cut judgment will remain there for the
six year period all canticle judgments
if they're not settled in that first
month will stay there for for six months
there is one of the red section which
we'll talk about shortly but if you
settle it you make sure you can apply to
have it marked as settled and now that
will stay on your credit score it will
affect it some lenders still won't lend
to you because you've had a county court
judgment but there are some lenders that
will have a look at the situation
they'll see that it's settled and
depending on the circumstances they may
well still do business on normal terms
with you so it's still worth looking to
try and get that settled if you can and
it will have
some effects with some lenders if you do
manage that now we're going to talk
about one one way in a minute that will
remove it all together for you
but just before we do if you do get to
County Court judgment a CCJ you don't
manage to get it cleared off in that
first month you don't manage to get it
settled and nothing else happens there's
one other way which we'll talk about in
a minute is that will stay on your
credit file for six years it won't go
anywhere anybody that does a check on
your credit file whether it be for a
mobile phone a credit card a bank loan
mortgage etc leasing a vehicle will
check your credit file and it will show
up and that will put a lot of people off
so if you're if you're sort of five
years down the line with a county court
judgment one more year the six years it
will be removed and all trace of it from
your file all together so there we go so
one of the way that we can get a county
court judgment removed will cover that
one now so there are instances where you
can have a county court judgment set
aside and this can be after that first
month that critical first month so if
you've got a county court judgment and
it may be six months later twelve months
18 months two years three years some
people I can get counted got judgments
registered and the can be ways that you
can get out them and it's what we call
setting aside a county court judgment
now if when you've got the original
count got judgment you receive the
letters you went to court you were fully
aware of it and the county court
judgment ended up on your file you can't
use the setting aside but if you can
prove that you weren't aware of this
maybe letters have gone to a different
address you weren't even aware the
counterculture another may be a dispute
on on the actual debt the amount owing
then you can apply to have the county
court judgment set aside because in
effect what you saying is I'm not aware
this was there there's a dispute over it
I wasn't given that opportunity in that
first month to clear the debt clear the
county court judgment so therefore
because letters have gone to a wrong
address
which is not your fault the credit
errors perhaps used a wrong address and
old address
it's not your fault then you can argue
that you can reopen it up as if it was a
new County Court judgment so if you fall
into this criteria it's really important
that once you are aware of that county
court judgment and it has come to your
attention then you must act on it and
you must show the court that you've
acted on it promptly and you will be
given the chance then to defend yourself
to say this is a dispute this is not
actually a debt that I should be paid or
it may well be that you you can repay
that debt because it is a legitimate one
it's just that you wasn't aware that it
was there and that will then mean that
you can have that county court judgment
set aside and it will be removed
altogether from your credit file and
from your record now I've been in the
finance business for many many years I
have come across numerous people that
have applied for credit that have been
declined and when they've got their
credit report unfortunately they found
they've got a County Court judgment on
their and you know nine times outta ten
people gone that's not my fault I wasn't
aware of it that's not correct and if
that is genuinely the case at that point
that's the time when you need to defend
that and look to have that County Court
judgment set aside cleared off your file
and start again with it with a fresh
slate really on the credit ball so I
hope you found these this video
interesting hope you found it helpful
just remember promptness issing if the
best thing to do with the county court
judgment is not to get it in the first
place if you do get it clear it off
within a month secondly if you find
later down the line that you've got a
county court judgment that you weren't
aware of then look to see if you can
have it set aside look to see if the
court will have that set aside for you
so I hope you found that useful if you
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again for watching
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