Introduction to CCJ Removal
Welcome to the new section focused on the removal of CCJs
Not very pleasant was it????.... when you were turned down for credit because of that CCJ or Default notice on your credit file.
It is possible to have your CCJ legally removed from the records to restore your credit rating in a few weeks, sometimes in a matter of days.
You can now arrange to have your CCJ legally .'Set aside' from the court records and those of the credit agencies.
As far as they are concerned, your CCJ will no longer exist.
Your record will be clear with you credit rating intact, enabling you to obtain goods or loans you need.
Providing you have not made a written defence to your summons, or attended court as Defendant, then the system will allow us to help you.
Obtain details of your credit defaults
Perhaps you have just been refused credit because of a CCJ and have no recollection of court action. In this case you should contact one (or more) of main credit agencies, who, for a fee of £2, will give you details of all your credit defaults. The two main credit reference agencies are EXPERIAN and EQUIFAX. (See also - How do I repair my credit history?)
Valid reasons for CCJ Removal
Read this section very carefully as there will be listed a few of the reasons for removal which are usually accepted by the courts.
You may have entirely different reasons. However many you put forward and whatever they are, they must be true, to the best of your knowledge.
IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]
What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]