Removing CCJ's

[del mar]

Afternoon,

Equifax suggests it can be done, has anybody been through the process, is it straight forward ?

Mrs and I are joint owners of a rental property, that took a while to get a tenant, nobody gave Council tax much thought (her fault she used to work in housing !!). Court appointment did not get to our property - judgement against her, not sure why it was not in joint names.

We have paid the debt today - within 14 days of the judgement.

Thanks

Del

[br d]

del mar said:

Afternoon,

Equifax suggests it can be done, has anybody been through the process, is it straight forward ?

Mrs and I are joint owners of a rental property, that took a while to get a tenant, nobody gave Council tax much thought (her fault she used to work in housing !!). Court appointment did not get to our property - judgement against her, not sure why it was not in joint names.

We have paid the debt today - within 14 days of the judgement.

Thanks

Del

I did it 20 odd years ago, not sure if it's changed. It involved getting a signed letter from the person or organisation that took it out confirming that it has been sorted.

[The Rookie]

If you paid within the time specified by the court it will be marked as satisfied and shouldn't be on your credit history, if it does somehow go on, contact the agency (like equifax) and point out the error and they will remove it after some checks, its only those satisfied late that go on your file for 6 years.

[S11Steve]

If it is paid within 28 days of the judgement being granted, it shouldn't appear on any credit check - as it was settled. - https://www.trustonline.org.uk/understand-judgment...

If it was paid in full after the 28 days, it should show as "Satisfied", but may still impact the credit rating.

It may be worth going down the N244 route to get it set aside and the hearing "re-heard", but this is one for a specialist to handle - https://www.justice.gov.uk/courts/procedure-rules/...

[KungFuPanda]

As previous poster has said, if you've paid within 30 days I think, it won't appear at all. It doesn't get registered until after that period anyway.

Once the 30 days passes and you pay, it will show on your record as satisfied for 6 years.

[jeremyh1]

This should not be recorded on her credit file as non payment of council tax is a criminal offence and does not go through the county courts
Are you absolutely sure she has a CCJ against her

[mickmcpaddy]

Liability order, just a revenue raiser for the council pension pot.

[jeremyh1]

mickmcpaddy said:

Liability order, just a revenue raiser for the council pension pot.

Thats the word Mick ! A liability order ! It may not be such a good thing if a person cant pay it but the OP has paid it so it is now nul !
This should be the case for the OP all in all a major hassle for him and his better half but the good news is there should be no CCJ recorded as a liability order was obtained by a magistrates court
Even if they did not pay it they would be in some trouble no doubt . They would however have nothing on their credit files as this type of order does not get recorded

Edited by jeremyh1 on Tuesday 30th January 09:03

Edited by jeremyh1 on Tuesday 30th January 09:05

[kiethton]

KungFuPanda said:

As previous poster has said, if you've paid within 30 days I think, it won't appear at all. It doesn't get registered until after that period anyway.

Once the 30 days passes and you pay, it will show on your record as satisfied for 6 years.

Currently having this issue myself after my insurance co fked up and didn't bother to defend a claim despite me passing it on for them to deal with (and them guaranteeing that it would be settled before the 28 day period if not resolved prior). Needless to say it's only file 5 months later unsatisfied....

There is a set-aside hearing due in May, beng lodged by the solicitor that forgot to reply/cocked up the paperwork - if this is unsuccessful am I stuck with this? - am I able to apply for another set-aside in my own name to ensure it's removed?

Also what's the likely impact? - I need to both port a credit card balance (~£10k) and get a max borrowing capacity mortgage next year....

[The Rookie]

S11Steve said:

It may be worth going down the N244 route to get it set aside and the hearing "re-heard",

On what basis, while details are sparse there is nothing to suggest they have grounds for a set aside.

[S11Steve]

The Rookie said:

S11Steve said:

It may be worth going down the N244 route to get it set aside and the hearing "re-heard",

On what basis, while details are sparse there is nothing to suggest they have grounds for a set aside.

It was simply a suggestion that may have been helpful to the OP.