Advice on setting aside CCJ(s)

[Shibbytay83]

Morning all,

I’ve discovered a CCJ which is only being reported with one of the credit reference agencies. I know that the court papers were never received and presume that they went to the wrong address. Having spent the last 3-4 years fixing my credit file this is obviously not the greatest news.

ive been reading up on setting the judgement aside and came across setting aside with consent but have struggled to find much detail. I imagine that this is simply me contacting the claimant and negotiating payment in full for withdrawal of the claim?

i also have a second CCJ which I discovered 3 years ago which was served in a similar manner. On discovery I panicked and called to make payment straight away without doing any research. This is now satisfied but I wondered if there was any mechanism to have this judgement retrospectively set aside as this is the last blemish on my credit file now.

any advice would be gratefully received

C

[R0b]

Hello

One of the key criteria to setting aside a CCJ is promptness and a court will take that into account when looking to set aside the default judgment.

Did you update all records to reflect your change of address e.g. DVLA, electoral roll, credit file with reference agencies etc.

I would suggest you read the link below which is a detailed guide on setting aside default judgments.

https://legalbeagles.info/forums/for...tailed-version

As for the CCJ 3 years ago, you are going to struggle I think having sat on it but also that you paid the amount. Any form of payment would generally be deemed as an admission of guilt and courts are reluctant to interfere.

SettingSettinga CCJ with consent requires you to file what is known as a Consent Order along with your application and any relevant fee that is applicable.