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Solicitor referral for court filing

How to Remove a CCJ from Your Credit File UK

Just found a CCJ on your credit file? We assess your case, prepare the documents, and guide you through the set-aside process.

From £149
Get your free assessment

Court fee of £313 applies separately unless you qualify for Help with Fees. Court filing and hearing steps are reserved legal activities. Where required, a solicitor handles filing and advocacy; their fees are separate.

What we do

Assess your CCJ and likely prospects
Draft N244 set-aside application pack
Negotiate with claimant for consent order
Solicitor referral for court filing and hearing

Common questions

No. Outcome depends on service, timing, and legal grounds. We provide an upfront merits assessment.
Court filing is reserved. We prepare your documents and arrange solicitor referral where needed.

The process

1

Share judgment details and timeline

2

We assess set-aside grounds and strategy

3

We draft application documents

4

Solicitor handles court filing where required

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Common scenarios we handle

You discovered a CCJ on your credit file that you knew nothing about because court papers were sent to an old address
You received a claim form but did not respond in time because you were unwell, abroad, or did not understand the process
You have a valid defence to the original claim that was never heard because judgment was entered in default
You have already paid the debt in full but the CCJ still appears on your credit record

Legal framework

County Court Judgments can be set aside under CPR Part 13 if judgment was entered in default and the defendant has a real prospect of defending the claim, or if there is some other good reason to set aside. CPR Part 39.3 covers setting aside judgments made at a hearing the defendant did not attend. Applications are made using Form N244 and typically require a witness statement explaining the delay and setting out the proposed defence. A court fee of £313 applies (unless you qualify for Help with Fees). If the CCJ has been paid within one calendar month, it can be removed from the Register of Judgments by applying to the court with proof of payment.

Frequently asked questions

A CCJ remains on the Register of Judgments, Orders and Fines for six years from the date of judgment. It will appear on your credit file during this period. If you pay within one calendar month of the judgment date, you can apply to have it removed. If paid after one month, it will be marked as 'satisfied' but will remain visible for the full six years.
Success depends on several factors: whether you were properly served, whether you acted promptly once you became aware of the judgment, and whether you have a real prospect of defending the original claim. We provide an upfront merits assessment so you know where you stand before committing.
You can apply as a litigant in person. We prepare the N244 application, witness statement, and draft defence. Court filing is a reserved legal activity — you can file it yourself, or we can refer you to a solicitor who handles the filing and any hearing.

Not sure if this applies to you? Get your free assessment →

CCJ on your credit file?

We'll assess whether it can be set aside or removed.

Get your free assessment

Free assessment disclaimer: Our free assessment confirms whether we can assist, which service applies, and the fee. Response times depend on case complexity and documents submitted. The free assessment does not constitute legal guidance or advice — active work begins only after payment of the applicable service fee.