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Hi, when was the CCJ issued?
ok if you paid the CCJ more than a month after it was issued then it will remain on your record for 6 years and there is no way of removing it. You can however get the debt paid off, obtain a receipt and end it to the court asking for a certificate of satisfaction, and request that they update their register to show that it has been satisfied. Whilst the record of the CCJ will not be removed, it ill be marked as 'satisfied', which means that any lenders will see that and will know it is no longer an outstanding debt
If I pay it off though and get a satisfaction certificate can I still apply after this to have it set aside because having checked online it would appear that I have grounds for having it removed altogether (set aside) as they have to start the process from scratch and I would have paid anyway. . What I am wary of doing is by paying, invalidating being able to get it set aside as ideally I want it removed from the records. Having a satisfied CCJ if you are renting is as bad as having a non satisfied one it would seem with the letting agents I have queried this with ..
why would they have to start the process again though?
In this case-- I guess they wouldnt as I would have paid but I still need to file that particular form to ask to set aside it would seem and didnt want the fact I have paid invalidate my request to set aside--as would be paying "under sufferance"
Was this a default judgment?
Do you mean by this that we didnt attend or respond? yes it was-- as we never ever had the summons or the judgement (all sent to an old address we left over 15 months ago) and hence didnt have redirect in place.Its shows as judgement (in default)
hello? wasnt sure if it had disconnected?
Sorry, had to sort out a quick meeting. Ok, so the court will only accept certain reasons for setting aside the judgment. If you are saying that you did not get the court papers, which you can use this as a reason to make an application to set aside, you must be able to prove that the claimant did not have your current address and that they had been unable to find it by making reasonable attempts. So you may try and set it aside - but remember that this does not mean the case is over, it will mean that the court will look at the reasons as to why you are setting it aside and then decide if they are valid, it could be that you pay the debt but they do not agree with the reasons to set aside and the CCJ remains on file, even though it will be marked as satisfied.
Ok many thanks. Ben that clarifies it for me.