Removing CCJs
Despite the claims of some companies, removing a CCJ Is not straight forward. The only way to have a CCJ removed from the Register of County Court Judgments is to prove it was listed in error, or there is very good reason why the judgement should be set aside.
Remove CCJs Improperly Registered Against You
At Pegasus we can examine the paperwork you received to check whether the rules were followed.
Settling a CCJ:
Usually, a CCJ cannot be removed, and the best way forward is to settle it off. By clearing your CCJs, your credit rating will improve immediately: it demonstrates that you are dealing with your debts in a responsible manner. For example, your creditor may settle for a reduced balance.
As part of a Debt Clearance Programme we would look to include your CCJs, and could even agree a reduced settlement on your behalf. As soon as the debt has been satisfied, the creditor will then agree that the CCJ can be listed as settled on the official register.
It is normally then advisable to obtain a certificate of satisfaction from the court (£10) which can be sent to the credit reference agencies to ensure they are aware of the change.
A CCJ is not a life sentence to never obtaining credit again; just talk to us.
Contact Pegasus
Call us on 0121 455 8347 or click here to make an enquiry.