CCJ Set Aside Specialists
A specialist dispute resolution service helping individuals across England and Wales challenge and remove County Court Judgments. Independent. Fixed fees. One area, done properly.
CMC Registered Mediator Fixed Fees No Hourly Billing Free Assessment England and Wales
THE FOUNDING TRUTH
"A statutory model designed to favour certain industries over easy targets with limited accountability and profound consequences for the people it catches."
Default judgments and default notices rest on people's credit files every day that should never have been registered. A judgment that was never properly served. A debt that was never genuinely owed. A marker that does not accurately reflect the circumstances.
The impact is not administrative it is life-altering. A blocked mortgage three days before completion. A visa renewal thrown into uncertainty. A rental tenancy denied before it begins.
Remove CCJUK was founded on one conviction: there is a way out for far more people than the system would have you believe. Our role is to find it, explain it clearly, and pursue it using negotiation before litigation, expertise before assumption, and honesty before optimism.
Winnie Onyekwere · Founder, Remove CCJUK
LED BY
Founder
Winnie Onyekwere
LLB LLM
CMC Registered
Remove CCJUK was founded by Winnie Onyekwere, a qualified legal professional holding an LLB and LLM, and a Civil Mediation Council registered mediator. The service was built on the observation that individuals facing County Court Judgments are routinely under-served offered debt management advice when what they actually needed was specialist challenge support.
Every case at Remove CCJUK is assessed individually. There are no one-size-fits-all responses and no automated processes. The negotiation-first approach exploring resolution before committing to court proceedings reflects both professional training and a genuine commitment to finding the right outcome for each client.
Our process relies on forensic, unhurried listening to uncover the procedural failures and missed details that automated template services overlook
WHAT WE STAND FOR
SPECIALIST FOCUS
We work exclusively on CCJ challenges. Not general debt advice. Not a broad practice. One area, done properly.
FIXED FEES. NO SURPRISES.
You will know exactly what the process involves and what it costs before you commit to anything. No hourly billing. No unexpected invoices.
INDEPENDENT AND IMPARTIAL
We have no commercial relationship with any creditor, lender, or debt collection agency. Our assessment of your case is based entirely on your circumstances and the law.
CLEAR COMMUNICATION
From your first assessment to the final outcome, you will always know where your case stands. No jargon. No unexplained delays.
HOW WE WORK
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
WE GET TO WORK
Consulting
Once you instruct us we begin within days and keep you informed at every stage.
WHO WE HELP
A mortgage application has been declined or delayed
A tenancy application has been affected
An immigration application is at risk
A CCJ has appeared on a credit check unexpectedly
An employer credit check has raised a concern
They paid a debt and assumed the matter was closed
If any of these apply to your situation, the free assessment is the right first step.
PROFESSIONAL PARTNERSHIPS
Remove CCJUK works alongside professional advisers whose clients regularly encounter CCJ issues. If your client has a CCJ that is affecting their ability to proceed with a mortgage, an immigration application, or a financial plan we provide specialist assessment and, where grounds exist, work to resolve it.
PROFESSIONAL REFERRAL
Mortgage Brokers
A CCJ on your client's credit file can derail a mortgage application at any stage pre-approval, during underwriting, or at the last moment before completion. We provide specialist assessment and, where grounds exist, work to have the judgment removed so your client's mortgage journey can proceed.
PROFESSIONAL REFERRAL
Immigration Solicitors
Adverse credit history including a CCJ can be a material factor in Home Office applications for indefinite leave to remain, citizenship, and visa renewals. We work alongside immigration professionals to identify and address CCJ issues before they affect your client's application.
PROFESSIONAL REFERRAL
Independent Financial Advisers
A CCJ restricts your client's access to financial products and complicates long-term planning. Referring clients with active or historical CCJs to Remove CCJUK means the credit issue is handled by a specialist allowing you to focus on financial strategy once the obstacle is cleared.
CLIENT REVIEWS
What Our Clients Say
"I wasn't expecting to have such a thorough and in-depth conversation. Winnie made me feel so comfortable to ask all the questions I had, even the ones I thought were silly. I am so grateful for the detailed advice and guidance such excellent service."
Sarah
" The application process was thoroughly explained and executed flawlessly. Their delivery of service was incredibly good, exceeding all my expectations. I would highly recommend Remove CCJUK for anyone seeking excellent results"
Tan Lo
FREQUENTLY ASKED QUESTIONS
What is the difference between a CCJ Removal and a Set Aside?
A set aside is the legal process through which a County Court Judgment is cancelled and removed from the court register and your credit file, as though it never existed. CCJ removal is the outcome the set aside is the mechanism. Not all CCJs qualify; grounds depend on your specific circumstances, such as whether you received proper notice of the original court claim. We assess eligibility at the free assessment stage before recommending any course of action.
What does "negotiation first" mean and why does Remove CCJUK use this approach?
A negotiation-first approach means we explore every negotiated resolution before committing to court proceedings. Many CCJ disputes can be resolved through direct negotiation with the original creditor often faster, less costly, and less stressful than a formal court application. Where negotiation is not appropriate or possible, we proceed with a set aside application. The correct route depends on your individual circumstances, which is why we assess each case individually before recommending any action
How is Remove CCJUK different from a solicitor or a debt adviser?
We work exclusively on CCJ challenges It is the only service we provide. A solicitor typically handles CCJs alongside many other practice areas. A debt adviser focuses on managing repayment, not challenging the judgment itself. Our specialist focus means deeper expertise, fixed fees with no hourly billing, and a process built entirely around set aside outcomes. We are also fully independent we have no commercial relationship with any creditor, lender, or financial institution
Can you help with older CCJs, not just recent ones?
Yes. Grounds for a set aside can exist regardless of when the CCJ was issued. Older CCJs may have different considerations including the documentation required and the grounds available but age alone does not prevent us from assessing your case. We have helped clients with CCJs that were several years old. The free assessment is the right first step, no matter how long the judgment has been on your file
Will I need to attend a court hearing?
Most clients do not attend a court hearing. Many set aside applications are resolved on paper, and where a hearing is listed, it is typically brief and straightforward. We prepare everything required and guide you through any hearing obligations if they arise. Fear of court is one of the most common concerns our clients raise in practice, the experience is rarely as difficult as people anticipate. We will always tell you clearly what to expect at every stage
I have already paid the CCJ. Does that affect what I can do?
Paying a CCJ does not automatically remove it from your credit file or the court register. A satisfied CCJ remains visible for six years from the date of issue. If you paid within one month of the judgment date, you may be able to apply to have it removed entirely. If you paid later, the judgment is marked as satisfied but not removed. In some cases, grounds to challenge the original judgment may still exist even after payment we assess this as part of the free assessment.
How does a CCJ affect a mortgage application?
Lenders check the Register of Judgments, Orders and Fines as part of standard mortgage credit assessment. A CCJ on the register will typically result in a declined application or an offer from specialist lenders at significantly higher rates. If the CCJ is successfully set aside, it is removed from the register and your credit file restoring your position with mainstream lenders. Timing matters: acting before your mortgage application is processed gives you the greatest range of options.
What is a set aside?
A set aside is a court order that cancels a County Court Judgment. When granted, the judgment is removed from the court register and from your credit file, as though it never existed. Typical grounds include: not receiving proper notice of the original court claim, a genuine dispute about the debt, or procedural errors in the original proceedings. A set aside application is made to the court that issued the original judgment. Remove CCJUK manages the entire application process on your behalf.