Specialist CCJ challenge and removal support for individuals across England and Wales.
Free assessment. Fixed fees. No hourly billing.
or call 0333 3444 945
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, tenancy agreements, and in some cases immigration applications. 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
Within 30 days strongest grounds for complete removal
Already paid? There may still be grounds to challenge
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
Immigration Application
CCJs affecting Home Office applications for visa renewals, indefinite leave to remain, or British citizenship due to adverse credit history
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.
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
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
"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.
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"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. CCJ's 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
FREQUENTLY ASKED QUESTIONS
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.
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 affect my visa or immigration application?
Yes. A CCJ can affect applications for Indefinite Leave to Remain, visa renewals, and British citizenship. Remove CCJ UK has specific experience handling CCJ cases where immigration status is a factor. For full details on how this works and what options are available, see our CCJ Removal page.
LED BY
Winnie Onyekwere
LLB LLM
Founder
Call 0333 3444 945
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