Bouncing Back from a CCJ

Should you be unfortunate adequate to confront a CCJ – but subsequently win in having it either put aside or reversed - the tribunal will automatically take the entry from the Register of County Court Judgments.

The tribunal must direct presentment of cancellation to the Register Trust within three years of the day of the month of the order. The entry should be removed from the Register and from the credit mention agencies' databases within three to four weeks.

If you demo you have got got paid the debt in full within one calendar month of it being entered on the Register, you can have the entry cancelled. Otherwise, once the debt have got been paid, you can apply to have the entry amended to demo the debt have been paid.

Bear in head that this makes not take the entry, it only tags it as paid or "satisfied". Whether or not a Judgment have been paid it will stay on your data file for 6 years. After that clip the records are deleted.

In England and Wales, a Certificate of Satisfaction, stating that the debt have been paid, can be obtained from the County Court in which the lawsuit was heard. The fee is £10. If the debt was not paid through the court, for example, it was paid direct to the lender, the tribunal will necessitate grounds that the Judgment have been satisfied, ie paid. The tribunal will need the lawsuit number of the action.

The number and the name of the tribunal are shown on the Register of County Court Judgments, under your name, and on your credit mention file. The tribunal will then issue a Certificate of Satisfaction to you and automatically inform the Register Trust that the debt have been paid. There is no statutory clip bounds within which the tribunal must make this.