SPECIALIST CCJ REMOVAL SERVICE ENGLAND AND WALES
Before you pay a CCJ, find out if it should be there at all
We first try to reach an agreement with the creditor.
This is often faster, costs less and can help you avoid going to court.
Free assessment. Fixed fees. No hourly billing.
or call 0333 3444 945
Discovering a county court judgment against your name is rarely straightforward. You may have found it on a credit check, been told by a mortgage broker, or received unexpected correspondence. Whatever brought you here, you need clear answers, not more confusion.
A CCJ can affect mortgage applications, employment checks and tenancy agreements. What many people don't know is that CCJs can be challenged and the sooner you seek guidance, the more options remain available.
Often issued without the recipient receiving proper notice
Can be set aside entirely, removed as though it never existed
Paid within a month of the judgement ?
It comes off the register entirely.
After that it stays for 6 years, even when paid.
Already paid? There may still be grounds to challenge
REMOVE CCJUK AT A GLANCE
What we do
We help people challenge County Court Judgments (CCJs) and, where there are grounds, get them removed from the public register and their credit files.
How CCJs are removed
There are two ways to fix this. The first is a consent order, where the creditor agrees to remove the judgment. The second is asking the court to set it aside. We try for agreement first when we can, because it is usually faster and keeps you out of court.
Where we work
We help with CCJs from the County Court in England and Wales. We work by phone, email and video, so you don't need to be in London. Scotland and Northern Ireland have their own courts, so we can't help with judgments from there.
What it costs
Your first assessment is free. If we can take your case forward, we give you a fixed fee in writing before we start any work. We never bill by the hour. If you need to apply to court, the court charges its own fee. We tell you what it is upfront.
How long it takes
A consent order can often be agreed in a few weeks. A court application can take longer, because it depends on how busy the court is. After your assessment, we give you a realistic time estimate.
Who leads your case
Winnie Onyekwere LLB LLM, founder and Civil Mediation Council (CMC) Registered Mediator.
What clients say
Rated 4.5 out of 5 on Trustpilot
Get in touch
Call 0333 3444 945 or email welcome@removeccjuk.com
Want to know where your CCJ stands?
or call 0333 3444 945
UNDERSTANDING YOUR SITUATION
What is a County Court Judgement ?
A County Court Judgment (CCJ) is a court order issued in England and Wales requiring a person to repay a debt. CCJs are recorded on the Register of Judgments, Orders and Fines and appear on your credit file for six years from the date of issue unless successfully challenged and removed through a legal process.
A CCJ can affect your ability to obtain a mortgage, rent a property, pass an employment credit search. Many CCJs are issued without the recipient receiving proper notice, and in those cases legal grounds to challenge the judgment may exist.
CCJs WE SPECIALISE IN CHALLENGING
Not every CCJ is the same. Different types have different grounds for challenge. Here are the situations we regularly help with.
Service Charges
Leasehold property charges issued without proper Section 20 consultation, unreasonable fees or amounts not properly communicated
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Parking Charges
Private parking operators who escalate disputes to CCJs without proper evidence or due process
Disputed Invoices
Business debts where work wasn't completed, quality was poor, contracts were breached or the amount differs from what was agreed
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
Sold On Debts
Old accounts bought by a debt purchaser or collection company, where the claimant's name may mean nothing to you and the paperwork doesn't add up
Not sure which applies to you? The free assessment will identify your CCJ type and the grounds available.
Not sure which applies to you? The free assessment will identify your CCJ type and the grounds available.
WHY REMOVE CCJUK
Specialist Focus Fixed Fees No Surprises
Specialist focus.
We work exclusively on CCJ challenges. Not general debt advice. Not a broad practice. One area, done properly.
Fixed fees agreed upfront
No hourly billing. No unexpected invoices. Before you commit to anything, you will know exactly what the process involves and what it costs.
Clear communication throughout
From your first assessment to the final outcome, you will always know where your case stands. No jargon. No unexplained delays.
Independent and impartial
We have no relationship with creditors, debt collectors, or financial institutions. Our only interest is your outcome.
THE PROCESS
1
YOUR FREE ASSESSMENT
Tell us about your CCJ using our simple online form or call us directly. We review your situation identify the CCJ type and assess whether you have grounds to challenge
3
WE GET TO WORK
Once you instruct us we begin within days and keep you informed at every stage. Many cases reach resolution within weeks
WHAT WE CHECK FIRST
A credit report only shows the headline. The detail that decides whether a CCJ can be challenged sits in the full judgment from the court that issued it. In your free assessment, we look at four things.
Who the claimant is
Is the debt recognisably yours? Was it an old account sold on to a collection company? Was a company debt recorded against you personally?
Where the claim was sent
Was the claim form sent to an address you had already left, or one you never lived at?
The dates
When was the judgment entered, and when did you first find out? This shapes how quickly you need to act and which route fits.
If there are grounds, we explain them in plain English and set out a fixed-fee plan. If there aren't, we tell you that too.
CLIENT REVIEWS
What Our Clients Say
"Within a couple of months, Remove CCJUK successfully got the CCJ removed from my credit report caused by a private parking company's administrative error. I've now been accepted for car finance and I'm planning my first mortgage application."
Paige F., London
"My application to set aside the CCJ was successful in court. It was all down to the fantastic help I received from Remove CCJUK. They prepared my case so well and assisted me with the court process. Worth every penny."
Toye A., London
"Winnie explained everything in layman's English and provided all the help and expertise necessary to get the CCJ set aside. Cannot recommend highly enough. 5 stars from me."
Peter, UK
"She consistently went above and beyond what I had commissioned her for. Even after the agreed service was completed, she took time to answer additional questions — without any extra charge. Incredibly reassuring at a time when I felt quite anxious about the forthcoming court proceedings."
Eve, UK
"What really stood out was her genuine willingness to help. She took the time to listen carefully and provide guidance that felt tailored and thoughtful. She made me feel comfortable asking questions, no matter how small. I would highly recommend."
Claire K., London
COMMON CONCERNS
We Hear These Questions Often
"I'm not sure I can afford specialist support."
The assessment is free. It will tell you what your case involves and what your options are before you commit to anything. If you decide to proceed, fees are fixed and agreed upfront with no hourly billing surprises.
"I might have actually owed the money."
Even where a debt existed, the grounds for challenge may lie in how the CCJ was obtained not whether the debt was real. Procedural errors, wrong address, improper service of documents, and lack of evidence are all independent grounds. The assessment will identify whether any apply to your case.
"My CCJ is over a year old. Surely, it's too late to do anything?"
Age alone does not close the door. CCJs can still be set aside through a formal application or consent order negotiation, depending on your individual circumstances. Many of our clients come to us well after the CCJ was issued and still had grounds to proceed. The free assessment will tell you what remains available to you and if the options are limited we will say so.
"I already paid the debt. Is it too late?"
Not necessarily. If you paid after the first 30 days, your CCJ will be marked satisfied but will show on your credit file for up to 6 years. In certain circumstances there are still grounds to challenge even a satisfied CCJ. The assessment will identify if any of these apply to you.
"Can you guarantee my CCJ will be removed?"
No one can honestly guarantee that. Removal depends on the facts of your case and, for a set aside, on the judge's decision. What we can promise is a straight answer at your assessment, a fixed fee before any work starts, and a clear explanation if your options are limited.
FREQUENTLY ASKED QUESTIONS
Your Questions Answered
Can a CCJ be removed from my credit file?
Yes. A CCJ can be removed through a legal process called a set aside, which cancels the judgment entirely as though it never existed. It can also be resolved through a consent order, where the creditor agrees to removal without a contested court hearing. Whether grounds exist depends on your individual circumstances.
What does the free assessment involve?
A short review of your CCJ: its type, when it was issued, how it was obtained, and how it is currently affecting you. We use this to identify whether grounds for a challenge exist and to provide honest guidance before any fees are agreed.
Does a CCJ affect employment or career prospects?
It can. Some employers conduct credit checks as part of their recruitment process, particularly in financial services, legal, and regulated sectors. A CCJ visible on your credit file during that check may affect the outcome. Removing the CCJ through a set aside eliminates it from your record entirely, restoring a clean credit history for employment screening purposes.
Will I have to go to court?
Not always. If the creditor agrees to a consent order, the court can often approve it on paper without a hearing. If a set aside application is needed, the court may list a hearing. We prepare the paperwork and make sure you know what to expect. If your case needs a solicitor or barrister to represent you at a contested hearing, we will tell you at your assessment.
How do I know if I have grounds to challenge?
You don't need to know your position before you contact us. Many clients who assumed they had no grounds discovered they did, because the creditor's process was flawed, not because the debt didn't exist. The free assessment is the right first step.
Does a CCJ affect my ability to rent a property?
Yes. Most private landlords and letting agents conduct credit checks as part of their application process. A CCJ visible on your credit file during that check can result in a tenancy application being declined or a higher deposit being required. Removing the CCJ through a set aside eliminates it from your record entirely, restoring a clean credit history for rental applications.
Can a CCJ be challenged if I did owe the money?
Sometimes, yes. Even where a debt existed, the grounds for challenge may lie in how the CCJ was obtained rather than whether the debt was genuine. Procedural errors, incorrect address for service of documents, failure to give proper notice, and lack of sufficient evidence are all independent grounds for challenge. The free assessment will identify whether any of these apply to your case.
How long does the process take?
The timeframe depends on whether your case proceeds by consent order or formal court application. Where a creditor agrees to removal, the process can be significantly faster. Court applications depend on court listing times. A realistic timeframe will be given after your free assessment.
Can a CCJ be removed if the claim went to an old address?
Often, yes. If the claim form was sent to an address you had already left, or one you never lived at, you may not have had a fair chance to respond. That can be grounds to apply to have the judgment set aside. The court expects you to act promptly once you find out about the CCJ, so it helps to have your assessment early.
Can a CCJ be challenged if I did owe the money?
Sometimes, yes. Even where a debt existed, the grounds for challenge may lie in how the CCJ was obtained rather than whether the debt was genuine. Procedural errors, incorrect address for service of documents, failure to give proper notice, and lack of sufficient evidence are all independent grounds for challenge. The free assessment will identify whether any of these apply to your case.
Call 0333 3444 945
"I founded Remove CCJUK because too many people were either navigating this alone or paying high hourly rates for something that did not require litigation.
A CCJ does not have to define the next six years of your financial life. My job is to find out whether there are grounds to challenge it and to be honest with you if there are not."
Winnie Onyekwere · LLB LLM, CMC Registered Mediator · Founder, Remove CCJ UK
The assessment is free. There is no commitment and no pressure. You will receive honest guidance about your position before anything is agreed.
or call 0333 3444 945