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It is possible to legally remove CCJs from your credit records in order to restore your credit rating. This way you will be able to get credit again, you should know that CCJs makes getting credit really hard or even impossible in some cases. Here are some valid reasons for removing, or setting aside CCJs. If you were not given a 28 days notice to pay, or if you did not receive the summons (they are not sent by recorded mail, so it might happen), or if you were unable to attend court and defend yourself properly. These are only a few valid reasons for removing a CCJs, but there are many other valid reasons, so do not be alarmed if you had an entirely different reason.
You should start with getting a copy of your credit record. To do this, you will have to write a letter to your credit reference agencies and ask for a copy of your file. You can easily find sample letters on the internet, if you do not want to write it yourself. Now you will have to wait until the credit agencies respond. As soon as you have an answer, note down all the County Court Judgments against you and ask the court to send you the details they have on those judgments. Again, you can use a sample letter downloaded from the internet, but you can also write it yourself. Either way, the letter should contain the case numbers; otherwise the Court won’t even read your letter.
In the next step you have to fill out an N244 form to remove the judgments. You can find this form at the court (it is free, you just have to ask for it), or you can download one from the internet. Fill in the form by giving every detail needed, including your reasons for having the judgment set aside. After you have filled out the form, send it to the Court, and a few days later ask for an acknowledgement receipt of the form. Now you will have to wait until you receive a confirmation that they have set the judgment aside. If the court decides so, there might be a new hearing to discuss the reasons for your application. Do not worry; sometimes the court decides that is no need for a new hearing. Once you have received the confirmation that the judgments were set aside, you can send a copy to the credit reference agencies which registered the CCJs against you. Again you should wait for at least a week, and ask the credit reference agencies a copy of your credit reference file, for now it should be clear. However, if there is any default notice, write to the credit agency or agencies and ask for a settlement. If you managed to obtain a settlement, you should write again to the finance company, noticing them that a settlement has been reached. For now your file should be clear, but if you want to check up, you should write again to the credit reference agency and ask them to send a copy of your file.
You might get scared, because of all the paperwork, but you should not get scared at all. Indeed, you will have to write a few letters, but consider that you can find sample letters on the internet, so all you have to do is fill them in. And it will really worth it, since you will be able to get credit again, there will be no more CCJs to stop you. You might want to ask about the fees: you will have to pay $75 when you make the application, but if you have a low income, or you have other benefits you may not have to pay anything. You can see now that it is really easy to remove CCJs, so why not try it? If you want a good advice, do not apply to credit repair companies, because most of them will just take your money and send you a pack of information on how to remove your CCJs. And as a last good advice: never try to set aside judgments if you do not have a real reason, otherwise you might get in trouble with the court, and you do not want that, do you? So good luck!
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