Step by step guide to the process

Introduction

Use this 'step-by-step' guide to navigate the procedural process you must follow for the successful removal of your CCJ's & Default Notices.

1. Using the sample letter, in the back of this manual, write to each of the credit reference agencies as listed, not forgetting to enclose a £2.00 postal order/cheque for each of the agencies that you write to.
   
2. When the credit reference agencies reply make a note of all of the county court judgements against you and using the sample letter, in the back of this manual, asking for the court to send you all of the details that they have against you for each county court judgement.
   
3. You must now use an N244 form to remove the judgement(s). These are available free of charge from the courts or you can download one here.
   
4. Fill out form N244 giving all of the details relating to your county court judgement and give a reason for having the judgement set aside. If you are not sure of the reason for having the judgement set aside then please refer to the valid reasons listed later in this section.
   
5. Send off form N244 to the county court and ask that they acknowledge receipt of this form, this will normally be done in any case. Once you have received a receipt or confirmation that they have set the judgement aside you can then send this letter on to the credit reference agencies that have the county court judgement
   registered against you. A sample of the letter to send to the credit reference agencies is given in the back of this manual. Until such time as a new hearing takes place, if indeed at all, then your record will be free of those county court judgements
6. Optional Extra - Prepare an Affidavit in respect of your reasons for having the judgement set aside - this is optional and must be witnessed by a solicitor (cost £5.00).
   
7. Check the credit reference files that have been returned to you from the credit reference agencies to see whether there are any default notices held on your file.
   
8. If there are any default notices then using the information and sample letter given later in the this section, write to each of the finance companies that have the default notices etc. against you and attempt to obtain a settlement.
   
9. Once you have obtained a settlement and a letter confirming the settlement you should write again using the sample in this section, to the finance company stating that settlement has now been reached.
   
10. Your file should now be clear. We suggest that you wait for at least three weeks before writing to the credit reference agency again sending another £2 and asking them for an update of your file. It should, now be clear.