County Court Judgements
you have had a CCJ issued against you, after the debt has been paid,
it is possible to obtain a "Certificate of Satisfaction",
which lets companies and institutions know that the debt has been
paid, although the judgement remains on the credit file for six
years afterwards. Should the CCJ have been put on your file erroneously,
then you must go back to the firm that originally brought the CCJ
and ask them for a "Certificate of Cancellation".
the Certificate is completed, it goes back through the Registry
Trust, part of the Lord Chancellor's department, and is sent to
the credit reference agencies who will then remove it from their
Court Judgement can also be removed with a Certificate of Cancellation
(or Proof of Payment, in Scotland) if the debt is paid within one
month. There are a number of firms which promise to ensure "cancellation"
of CCJs from files, for payments of between £50 and £100.
In nearly all cases, this is a waste of money for something which
you can do quite easily yourself.
provide general financial information, we urge you to consult an
Financial Adviser ( IFA )
before making any important decisions about your finances.