I think a CCJ is wrong, what can I do?

If you believe a County Court Judgement has been recorded incorrectly, you should contact the County Court, quoting the case number included in your report.  If the judgement was recorded wrongly, then the County Court will automatically change their records.  As will Credit Reference Agencies if they hear from The Registry Trust commenting on changes that need to be made.

As long as the court issues a ‘Certificate of Satisfaction’ and judgements are paid within a period of one month, then records can be removed from Credit Reference Agencies, but if judgements are paid after a month, then they are kept on file but marked as ‘satisfied’ once a certificate is issued by the court.

The Registry Trust is an independent organisation contracted to the Lord Chancellors Department to maintain the statutory public register of County Court Judgements in England and Wales, what a mouthful!

You can contact the Registry Trust by this address: -
The Registry Trust,
173-175 Cleveland Street,
London,
W1T 6QR

Or by this website - www.regisrty-trust.org.uk

By writing to the Registry Trust and enclosing a cheque/postal order for £4.50, you can question the accuracy of a judgment record on your report, or ask for an entry to be changed.  They will then contact the Credit Reference Agencies informing them of any change to your report.

Reasons to give for removing a CCJ.

To have your judgement set aside you will need to put forward a genuine and honest reason for why.  You can use any of the reasons listed below.  Remember that no correspondence sent by the courts of the plaintiff is ever recorded, so the majority of CCJ cases fail to comply with every detail, which gives you a chance to have your judgments removed.

You must keep the reason clear and simple, is as follows: -

Were you given 28 days notice?

Did you receive the summons? (They are not sent by recorded mail.)

Were you living at the address when the summons and judgement took place?

Was the summons taken out against both yourself and another person jointly?  If this is so, did you both receive summons?

Did you receive the summons on time for you to apply to the court?
 
You have 21 days to reply to the court.  If the summons was 21 days late, then the judgement would already been taken out against you.
It could have been that you were away from the time between issue of the summons and entry of the judgement.

If you took out a loan or any form of credit, were you in receipt of the default notice before receiving a summons?
Maybe you were unable to attend court and defend yourself.

If you agree to settle ‘out of court’ with the plaintiff, you should not have received a judgement.

If you did not receive any notification of the judgements made against you, then you can appeal.

The judgement should not appear on the credit files if it is paid up within 28 days.

Did you agree with the full amount of the judgement at the time, but now only agree with part of the amount?

Did somebody use your name and address to obtain credit, which resulted in a CCJ with out you knowing?