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0333 3444 945
CCJ Removal Services
Did You Really Owe That Money?
Or Did They Just Issue a CCJ When You Questioned It?
We specialise in challenging CCJs that were issued unfairly—whether it's service charges without proper consultation, parking fines lacking evidence, disputed invoices for incomplete work, or debts you never actually owed. Not every CCJ should exist on your record. Especially when it's blocking your mortgage, affecting your visa renewal, or jeopardizing your British citizenship
The CCJ system favours creditors who understand how to use it, and often overwhelms ordinary people who don't know their rights. That's where we come in. Our legal team reviews each case thoroughly to identify grounds for challenge—whether that's procedural failures, lack of proper evidence, or breaches of consumer protection law.
We use evidence-backed negotiation and dispute resolution, not aggressive debt collection tactics. Our approach is built on expertise, transparency, and achieving fair outcomes for people who've been treated unjustly by the system.
CCJs We Help Remove
Not all CCJs are the same.
Here are the types we specialise in challenging:
Service Charges
Leasehold property charges issued without proper Section 20 consultation or unreasonable fees
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Parking Charges
Private parking operators who escalate disputes to CCJs without proper evidence or process
Disputed Invoices
Business debts where work wasn't completed, quality was poor, or contracts were breached
Credits and Loans
Debts from accounts you didn't open, fraud, or amounts you've already paid
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Utilities and Bills
Disputed charges for energy, water, council tax, or services at properties you never lived in
Immigration Application
CCJs affecting Home Office applications for visa renewals, indefinite leave to remain, or British citizenship due to adverse credit history
Answer these 6 questions. We'll review your case and provide straight advice about whether it can be challenged.
Why This Matters:
Different CCJ types have different grounds for challenge. Service charges have Section 20 requirements. Parking charges often lack proper evidence. Disputed invoices need contract review. Understanding your CCJ type helps us identify where to look for weaknesses in the creditor's case.
We'll review your answers and get back to you shortly.
Disputed Before CCJ
Did you dispute the debt BEFORE the CCJ was issued?
Why This Matters:
If you disputed the debt before the CCJ, it demonstrates you didn't simply ignore it.
If you never received proper notice, that's grounds for setting aside the CCJ entirely. Both factors significantly strengthen your case for challenge.
When did you receive the CCJ?
Why This Matters:
Recent CCJs (under 1 month) can sometimes be set aside completely.
CCJs under 6 years can still be challenged through various legal mechanisms. After 6 years, CCJs drop off your record automatically—but we can still help if it's blocking something urgent like a mortgage application.
Why This Matters:
If you genuinely didn't owe the money (due to fraud, mistaken identity, or already having paid), we can challenge the CCJ itself.
If you owed some but not the full amount, we can negotiate. If you owed it but couldn't afford to pay, we'll explore alternative options.
Impact
Why This Matters:
We need to understand the urgency and impact on your life. If your mortgage is on hold, we prioritise accordingly. If it's affecting your career, we approach it differently.
If it's currently just on your credit file but not immediately blocking anything, we can still take action—but the strategy may differ based on your specific circumstances.
Amount
Why This Matters:
The CCJ amount affects which court procedures we use and what strategies make sense. Smaller CCJs might be resolved through quick negotiation. Larger ones may require formal legal challenge. Either way, we'll advise honestly if the cost of challenging is proportionate to the potential benefit.
Accreditation
