How to Remove a County Court Judgment in the UK
A county court claim is a notice sent by British county courts informing a debtor that he or she owes a creditor money. The purpose of a county court claim is to take you to court to force you to pay a creditor. Generally, the court hearing is often held in private, or in some instances, you can simply mail the requested information to avoid having to personally attend the court hearing. In a county court claim, the court will not decide whether you are in fact "guilty" or "innocent" but will instead judge if you should pay the creditor. If the court issues a judgment stating that you must repay the creditor this is order is called a County Court Judgment, or CCJ. Having a County Court Claim pending against you will affect your credit rating, so it is important that you get it removed.
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Instructions
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Collect the court notice and the relevant court paperwork.
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Pay the debt as detailed on the claim.
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Apply to the court to have the entry canceled. This will cost £15.00, but this fee can be waived if you are unemployed or have a low income. The court will send a notification of cancellation to the Registry Trust within a three days after being notified that the claim has been paid or reversed.
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Follow up with the County Court to make sure that the claim has been removed from your file.
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Tips & Warnings
It is best to avoid a county court judgement altogether, so be sure to pay all your bills and outstanding debts in a timely manner.
It is important that you pay the court claim within one month of the date on the claim. If you don't, you cannot get the court claim removed from your record. You can, however, get it amended by applying for an amendment. The entry will remain on your record but it will show that the debt has been satisfied.
