Help with CCJ Neededd

[tina098]

Hello, I was hoping to get some advice prior to reaching out to the court.


In 20/06/2017 I have had a CCJ recorded against my name. I have only found out about it a few years after as it was causing issues to get lending and got it all paid it all in full (Satisfied in 2020).

I am now looking at getting a mortgage for myself and the kids, and the CCJ is seriously lowering my chances. I am now exploring the possibility of getting the CCJ removed.

The CCJ is recorded in June 2017. I have moved into a different property in Feb 2017 and did not receive any paperwork for the court.

Also, the address on the CCJ is the old address from which I have moved in February 2017.

Please could anyone advise if, in your opinion, I would stand the chances of removing this from my file at all? I would really appreciate any comments from those who have any experience in this, I feel fairly desperate and this feels like a little straw that I might be able to get a grab of.


Many Thanks in advance,
J

[R0b]

Very slim chances of getting it set aside and by your own admission you are looking to repair your credit so you can get a mortgage, which the court frowns upon. When you pay a CCJ you are deemed to have admitted the debt. If you didn't agree with it then you should have made an application to set aside the default judgment.

When judgments get set aside, legal proceedings continue where they left off i.e. the defence stage. How can a court set aside a default judgment and then proceed with the case if the dispute has already been paid for? That would be akin to an abuse of process.

The only slim chance you might have would be to get the claimant to consent to setting aside the judgment but the courts are becoming wise to these situations and are challenging people to explain why it should be set aside.