A CCJ is a County Court Judgment which has been entered against you in a civil money claim in England and Wales only. If a CCJ has been entered against you then this means that the Court has already decided that you owe the money under the claim.
The Judgment Order you would have received from the Court would explain the judgment amount in detail and the date the amount is due.
A CCJ is kept on the Register of Judgments for 6 years and would affect your chances of obtaining employment as most employers and employment agencies require you to be able to pass a credit check.
If a CCJ is settled within 1 month from the judgment date then you can get the record of judgment marked as satisfied and have the judgment removed by applying for a Certificate of cancellation. Where the judgment is settled after 1 month, the CCJ would not be removed and would remain for 6 years. You will however be able to apply for a certificate of satisfaction.
We specialise in civil claims and have many years of experience in Civil Litigation. We would review your case and decide if any mandatory or discretionary grounds apply and/or if there are any other good reasons for the judgment to be set aside based on for example your medical condition or other circumstances in relation to your case. As we are a legal Paralegal services firm we are able to offer you fixed sum packages to deal with your whole Claim in full. A typical Solicitor would charge in the region of £111 – £409 an hour for their services.
We will then contact the Claimant in order to resolve the matter by way of a Draft Order Agreement.
A Draft Order can be agreed where you dispute the CCJ (due to your circumstances or previous disputes) however, are willing to settle the balance on condition that the CCJ is set aside based on your dispute. A Draft Order can also be used where you can satisfy mandatory and/or discretionary grounds (CPR 13.2 and/or CPR 13.3) however, you do not intend to settle the balance with the Claimant but this depends on your circumstances. Please note, the Claimant may not agree to a Draft Order if you are not willing to pay the balance.
The Court Fee for the Draft Order is in the sum of £119.00.
Application to set aside the judgment
If the Claimant does not agree to set aside the judgment based on the above, the other option would be to file an Application to set aside the judgment at the Court. The Application would in most cases be listed for a hearing where you will be given the opportunity to raise your Defence to the Claim and why the judgment should be set aside.
The Court fee for an Application to set aside is in the sum of £303.00 which you would need to pay directly to the Court however, you may not have to pay this fee to the Court if you are on low income or on certain benefits. If so then an EX160 form would also need to be completed in order to apply for help for fees from the Court.
Please note additional charges may apply if you instruct us to draft a set-aside Application and Witness Statement for you unless this has been agreed with us prior. We are able to offer you tailored packages which would include the drafting of the Application, a Witness Statement outlining your case in full and any draft Orders or draft Defence as required. Please contact us on the number provided for further information.
If your Application is successful at the hearing, you may be able to recover against the Claimant the costs incurred by you in filing the Application, the costs incurred for you to prepare for the hearing such as costs to draft the Witness Statement etc. and any further costs such as travel expenses and loss of earnings etc.
Further to the above, we can assist in instructing an advocate to attend the Application hearing for you for an additional fee if you are unable to attend a hearing. Please contact our offices for further information.
You may receive a County Court Judgement (CCJ) if someone takes Court action against you for unpaid monies owed to them and where you did not respond to the Claim.
If a CCJ has been entered against you, the Court has decided that you owe the money to the Claimant – the Court would issue a judgment order which would arrive via post at the address the Claim was issued and would explains how much you owe, how to pay (whether in instalments or in full), any deadline to pay and who to pay.
How serious is a CCJ?
A CCJ can have a serious impact on your future, finances and life.
For example, you may be refused permission to obtain or secure a mortgage or rent a property, your credit score could suffer and you may not be able to secure employment in certain fields. Not to mention the stress and effect it may have on your family and friends.
However, as Paralegals, we specialise in CCJ Removal and we can help you resolve the situation, provide litigation support and guide you through the process before serious repercussions occur.
What if I ignore a CCJ?
Having a CCJ is a serious matter and it should not be ignored as it will remain on your file for 6 years.
If you do choose to ignore the CCJ then the Claimant may take enforcement action against you. This may include removing your property or apply to have money deducted from your wages directly from your employer. The Claimant may also add additional interest and costs to the balance by way of attempting to recover the balance so the original amount may rise significantly.
Need Help to Remove a CCJ?
Contact us today by calling 0113 433 6015 or by completing our enquiry form if you need to remove a CCJ.
As Paralegals, we specialise in civil litigation and procedural law and we have helped many clients like you to successfully set aside and remove their CCJ from their file.
We can provide the help you need by telephone and by email so don’t delay, contact us today. No appointments are necessary and we will assist you from the comfort of your homes.
We’ll prepare your case using the right legal arguments, correspond with the claimant on your behalf and draft all the relevant Court correspondence to maximise your chances of success.
Our fixed low-cost fees start from £279.00 and we are able to tailor packages according to your needs. As our packages are complete packages, these include Draft Orders where applicable, a draft N244 Application and a draft Witness Statement.
FREE Assessment of Case
We offer a free case assessment of your case and give you a basic idea of the strengths and weaknesses of your case.
N244 Application to Set Aside the CCJ
The Court fees for setting aside the judgment will depend on whether the Claimant is willing to consent to the judgment being set aside or whether an Application to the Court would be required.
If the Claimant consents to the CCJ being set aside, the Court fee would be in the sum of £119.00. The timescale involved for obtaining the Claimant’s position to the CCJ and/or Consent and obtaining an approved/sealed Court Order setting aside judgment is approximately 9-12 weeks.
If however the Claimant objects to the CCJ being set aside, the Court fee for an Application to set aside the judgment would be in the sum of £303.00. The timescale for an Application to be listed for a hearing depends on your local Court’s capacity to list a hearing and may be up to 3-6 months sometimes longer. This would depend on the Court itself however, you may contact the Court at any given point for an update on your Application.
Our 3-stage solution
We offer a FREE case review to establish if there are any legal grounds for the removal of the CCJ before we proceed with your case.
Stage 1
Contact us by completing our enquiry form or by calling our offices on 0113 433 6015.
We will review your case and contact you to discuss your case further and request further documents from you to evidence your legal grounds for your CCJ to be successfully removed.
Stage 2
Once we have confirmed your legal grounds and have reviewed your evidence, we will send you our Welcome Pack for you to sign and return to us, you’ll pay a one-time agreed fixed fee and provide us with any extra information.
Stage 3
We will then take over your case and contact the other party(Claimant) in order to settle your case and we will contact you with the outcome/Result
We’ll be in touch every step of the way to keep you updated with your case, and the final result.
Contact Us Today to set aside your CCJ!
The sooner you instruct us, the sooner we can start your case.
Why choose Us?
One Time affordable and Fixed Fee
Free Case Review* of your Case Before you Pay
Over 10 Years’ Experience
Direct Contact with a designated Paralegal with conduct of your case
Contact Us Today by completing our online Enquiry Form or by telephone on 0113 433 6015
Have you had a CCJ issued against you?
Realising that a County Court Judgement (CCJ) has been issued against you can be extremely stressful. You may have questions such as, what is a CCJ? how was a CCJ entered against me? what does the CCJ mean? what should I do now? how do I resolve this? If so then contact us today for CCJ advice.
Please note, once a CCJ has been obtained against you, you have 30 days to resolve the CCJ before it is registered against you on your credit file for 6 years from the date the CCJ was entered. With a CCJ it would be harder to successfully apply for a loan, credit, mortgage, and in some cases, gain employment without successfully passing a credit check.
This is where we as a Paralegal Litigation Support Services Firm can help you.
Unlike CCJ Removal Solicitors who charge by the hour, we offer an affordable and tailored fixed fee service and are proudly one of the cheapest litigation support providers in England & Wales. We have vast knowledge of Civil Litigation and the Civil Procedure Rules and we have assisted several of our clients with the removal of their CCJ from the public register and their credit files. Check our Trust Pilot reviews for the 5-star feedback from our clients here.
Advice and help are our first priority
At ARK CMCS we will provide a free case review, listen and understand your circumstances before we take conduct of your case. We will outline the removal process, any Court costs and fees and what actions we will likely take on your behalf in order to settle your case.
NEXT STEPS – What we will do for you
Once we have reviewed your case and provided you with a free assessment, we will provide you with a fixed quote of our fees which start from £279.00. Our fees would include attempting a settlement via a draft Order agreement, where that fails, we would draft you an N244 Application and a Witness Statement within the fixed fee quoted so you will not incur any additional charges from us.
Our fees include:
Collating all the evidence required in order to demonstrate why the CCJ should be set aside and pursuant to which provisions of the CPR.
We will contact the Claimant on your behalf and inform them of your circumstances as to why you did not or could not respond to the Claim, provide them with your evidence and confirm whether the Claim was sent to the correct address etc. Pursuant to your instructions, we will negotiate a settlement with the Claimant in order to set aside the CCJ. Where a settlement fails, we will draft you’re an N244 Application and a Witness Statement. Your Application will then be listed for a hearing in person or a telephone hearing and the Court would decide on the date of the hearing whether the CCJ should be set aside based on your grounds and the evidence provided.
You would need to attend any hearing listed whether in person or via telephone however, you may also instruct an advocate to attend the hearing on your behalf for an additional fee should this be required.
Parking fines are a common type of CCJs in the UK, and are generally why people require CCJ advice. As parking fines are usually low balance claims they can easily be missed or overlooked until a CCJ has been entered against you.
ARK CMCS have tailored a low fixed fee service in the sum of £279.00 to remove or attempt the removal of a parking CCJ regardless of whether this was issued at the correct or incorrect address. Our fee would include contacting the Claimant to attempt a settlement via a Draft Order. In most cases only a Draft Order to settle the Claim would be required. However, where a settlement fails, we will also draft you an N244 Application and a Witness Statement within the fee of £279.00.
We regularly deal with several parking companies such as Parking Eye, Civil Enforcement, Excel Parking, Vehicle Control and many more. These parking companies have contracts with landlords and landowners to manage their parking sites and can issue Penalty Charge Notices (PCN’s) if you breach their Terms and Conditions of the stipulated Parking Regulations. These parking companies manage sectors such as NHS hospitals and clinics, retail shopping parks, pubs, restaurants, supermarkets, shopping centres, residential permit parking sites, hotels and many more.
However, contacting parking companies can be difficult as many parking companies only have an automated payment line. This is where we can assist you as we have a good working relationship with most parking companies and we can assist you with resolving disputes and reaching settlements in order to remove your CCJ with these companies. In most cases, where a settlement has been agreed, no payment to the parking companies would be required until the CCJs have been set aside and removed by the Court.
Promptness and limited time
The Court expects you to resolve any issues with your CCJ within 30 days of the CCJ being entered against you. If you were not aware of the CCJ and it has been over 30 days from the date the CCJ was entered against you then the CCJ would be registered against you for 6 years from the date the CCJ was obtained by the Claimant.
If you were not aware of the CCJ because the Claim was served at the incorrect address or that you didn’t receive the Claim Form or Court correspondence then you must act promptly in order to settle or dispute your CCJ.
Usually, the Court expects an Application to set aside a judgment to be filed within 30 days of the judgment being entered however, promptness is at the Court’s discretion where you were not aware of the CCJ until after it was recorded or where you did not receive the Claim Form
We therefore advise that you contact us via telephone or complete our online enquiry form as soon as you become aware of any CCJs registered against you. Our aim is to always resolve any issues quickly and amicably.
Is your CCJ less than a month old and still within the 30-day period?
If a CCJ has been entered against you within the last 30 days then you can pay the judgment debt within the 30-day period to prevent the CCJ being registered against you. Payment can be made by directly contacting the Claimant who issued the CCJ or by contacting the Court. If the Court is the Civil National Business Centre based in Northampton, then their telephone number is 0300 123 1056. If the Court is the Money Claims Centre then their telephone number is 0300 123 1057. You must ensure that the Claimant and the Court have updated the Court file to show that the judgment debt was paid within 30 days of the CCJ date to avoid it being registered against you.
If your CCJ is older than 30 days?
The CCJ cannot be removed if you only pay the judgment amount. The CCJ will only be marked as settled/satisfied and would remain on your credit file for 6 years. A paid CCJ will continue to affect your credit score and your chances of obtaining credit and/or gaining employment in certain sectors.
After the six-year period, the CCJ will be automatically removed whether it has been paid or not. Where the Claimant has enforced the CCJ and obtained a charge against your property, the CCJ will be automatically removed when it expires however, the charge would remain until the balance has been paid in full. The Claimant would then be required to file the necessary application to the Land Registry to remove the charge.
Fixed Fee CCJ Support Service from £279.00.
Call us on 0113 433 6015 or complete our online Enquiry Form.
We provide a Free review of your case to establish any legal grounds for your CCJ to be removed
We will explain the legal process, what our service includes, our fixed fee and any payable Court fees
5 Star Rated Reviews and Service on Trust Pilot
Contact us today to set aside your CCJ
TRUST US TO HELP YOU REMOVE YOUR CCJ
Quick and efficient
Designated Paralegal with a direct email and phone number
Tailored packages
Affordable and one of the cheapest in the UK
How we can help
Our fixed fee packages and services not only save you time and expense but we also aim to resolve your CCJ quickly and efficiently. Once we are instructed, you will not have to do anything as we will contact the Claimant in order to attempt a settlement where instructed and/or draft you the necessary documents in order for you to set aside and remove your CCJ. These would include drafting a Draft Order or N244 Application and a Witness Statement.
We provide you with all the support you need to resolve the issue.
We provide a full legal case review and assessment
We will contact the Claimant on your behalf and provide them with your evidence to support your case
We will draft your Court paperwork such as a Draft Order, N244 Application and a Witness Statement
We can provide you with the details of advocate agencies to arrange Court representation should this be required
Please note our fee would not include the Court fees. The Court fee for a Draft Order is in the sum of £119.00 and the Court fee for an N244 Application is £303.00. These fees are payable directly to the Court once we have either agreed a Draft Order on your behalf or once we have drafted you the N244 Application and the Witness Statement.
The Court paperwork and evidence
Our experienced and designated Paralegals will draft the Draft Order where applicable or draft you an N244 Application in the correct format and a Witness Statement. We would also help you with the required evidence to demonstrate why the CCJ must/should be set-aside based on the correct legal grounds.
Please note that if you draft your Application yourself and if it is in the incorrect format then the Court may dismiss your Application. If your Application is dismissed due to the above then you may file a second Application however, the Court has the discretion whether to allow the second Application or not therefore, it is highly advisable to get some legal assistance, advice and guidance.
We will contact the Claimant on your behalf
In most cases, where you instruct us to settle the Claim via a Draft Order, we will contact the Claimant or its Solicitors to establish the timescales and the basis of the Claim and why the Claim was issued at the incorrect address etc. We would also inform the Claimant of your grounds and circumstances surrounding when the Claim was issued.
We will then try and negotiate a settlement with the Claimant or its Solicitors for the Court Judgment to be set aside in order for you to resolve the issue of the actual Claim. This may apply where you agree to pay the outstanding balance on condition that the CCJ is removed based on your evidence and grounds to set aside the CCJ.
Why is it important to remove a CCJ?
A CCJ can severely affect your chances in obtaining credit, obtaining employment and/or even obtaining tenancy on another property in case you need to move into a new home. It will remain on your file for 6 years from the date it was entered. Even a paid CCJ will remain on your credit file as settled/satisfied if it was paid after the 30 days from the date it was entered.
In most cases, the CCJs are in relation to parking tickets and fines. Due to the backlogs and workloads of the DVLA, most people’s records are not updated instantly therefore, parking tickets are commonly issued at an old address or wrong address. Claims being issued at the wrong address also applies to other claims such as utility companies, mobile phone agreements, credit agreements, service charge and ground rent and business CCJs. A CCJ can have a big long-term effect on your life and life changing events.
We choose us as Paralegals instead of a CCJ Removal Solicitors
We offer an affordable fixed fee service and do not charge by the hour like typical CCJ Removal Solicitors. Our fees are clear and agreed at the outset so there are no surprises or hidden or additional costs.
We specialise in Civil Litigation and have vast knowledge and experience with the Civil Procedure Rules regarding civil claims such as CCJs.
“Please note that if you do not have a copy of your Claim Form or Particulars of Claim, you can request this by contacting the County Court Business Centre on 0300 123 1056”
Enquiry Form
For further info please complete the enquiry form below for your FREE case assessment
