Hi thanks for your question. My name isXXXXX can help with this.
I can try and answer your question for you.
You get a court judgement on your credit file once the court has made an order that you pay a sum of money, which is not paid completely within 14 days. This also applies to instalment arrangements, where the court has made an order that you pay that sum.
If you made an arrangement with the claimant directly, then there is unlikely to be a court order to that effect. If you may be arrangement through the court system, by returning the form of admission, then there may be a court judgement against you.
The fact there is a C CJ suggests that the order was made.
To get this removed, you would need to set aside the underlying court judgement.
In practice, the best way to do this, is to reach agreement with the claimant that the order should be set aside, and lodge a consent order with the court to that effect.
If you can reach agreement, you can both write into the court requesting the judgement to be set aside. You will have to pay a fee of £40, which is the fee for consent orders.
But that would then remove the court judgment from your file.
So you didn't get a Court order?
If no court order, then it's strange you a CCJ unless it's from a different case.
It's very odd. I agree with you.
Well, you should get a copy of the order referred to in your credit file, which you can do from Registry Trust (www.trustonline.org.uk).
Then you know for sure what it is you need to get set aside. It's the same approach though obviously to whichever order it is.
Then why not consider approaching them for their agreement to set aside?
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