It is becoming increasingly more common for people to use the services of credit reference agencies to check their credit history with companies like Experian and Equifax or to obtain a quick overview of aspects of their Credit Report. As such, it is becoming increasingly more common for people to find County Court Judgments (CCJs) registered against their names for legal proceedings which they may not have been aware of. At CSB Solicitors we offer a fixed fee solution to assist individuals and businesses with CCJs make contact with their Creditors with a view to having the CCJ removed. The fixed fees that we charge for this service are shown below.
A County Court Judgement (CCJ) is a judgment against you for a debt you have not paid.
If you have a CCJ, it means that someone has sued you and been successful – they have won their case against you and that they have entered a Court Judgment in their favour against you. This means that you are now legally liable to repay the amount of money that they have claimed against you.
Depending upon the value of the debt which you are now legally obliged to pay, the Claimant can use several methods to enforce the CCJ against you, including, instructing High Court Enforcement Officers (CCJs above £600) and Bailiffs to attend to your property to remove goods, charging orders against your property, attachment of earnings and third party debt orders (to freeze monies held in your bank account).
Whether you are trying to obtain a new mobile phone contract or are thinking of buying or renting a property a CCJ can have a huge impact on your life. Having an outstanding CCJ may mean that you are:
In many cases legal proceedings will have been served at a former address and therefore, you will not have had the opportunity to defend the legal proceedings or make a payment at the time of service of the Claim Form. In these circumstances, the CCJ will have been entered against you in default.
If you choose to pay off the CCJ, your credit file will show that the CCJ has been marked as satisfied. This is because any payment made by you (after 30 days of judgment being entered) will mean that the CCJ has been paid in full, however, the negative impact of the CCJ will continue to remain for a period of 6 years on your credit file.
While no two cases are the same, this process may take approximately 2 to 3 months. The duration is dependent on how quickly the Claimant/Claimant Solicitors respond to our enquires, whether the matter becomes contested and how busy the Courts are.
CSB Solicitors, are a regulated Law Firm and our qualified litigation solicitors will personally manage your case to conclusion, unlike other non-regulated businesses which have paralegals or other non-qualified people managing your case.
We offer a free case assessment to see if you have legal grounds to have your CCJ removed.
We offer a “fixed fee” solution to you ensuring that you never pay for our hourly rates and you are aware from the outset what instructing CSB Solicitors will cost you. In the first instance we will make contact with the Claimant or their Solicitor to see if an agreement can be reached by consent between the Parties.
Acting promptly will certainly increase your chances of successfully having a CCJ set aside or removed. Do not delay in contacting our litigation team who will be happy to assist you.