A County Court Judgment (CCJ) is a court order registered against your name when a creditor claims you owe a debt. In England and Wales, a CCJ can be challenged and removed through a set aside or consent order.
Remove CCJUK provides expert specialist CCJ advice, and support.
Fixed fees, no hourly billing and a free initial assessment for all new enquiries .
CCJ REMOVAL SPECIALISTS
Not every CCJ is valid. Not every CCJ has to stay. And you have more rights than you think. But the window to act is short
A county court judgment can block a mortgage, stall a career and damage a visa application
But the same system that issued your CCJ contains the legal tools to challenge if you know where to look and if you act in time
Call 0333 3444 945
UNDERSTANDING YOUR SITUATION
The moment you find
a CCJ the clock starts
If you've just discovered a county court judgment against your name you're probably feeling a combination of shock, confusion and panic.
That's completely understandable.
"Did I even know about this? Was this debt legitimate? Can I fight it? Am I too late?"
Here's what most people don't realise. CCJs are issued against people who never receive the original claim form. Many are for debts that were disputed. already paid or never actually owed
The problem is that the creditor that obtained your CCJ understood the system. most people on the receiving end don't That's the imbalance we exist to correct.
Acting quickly matters
The sooner you seek advice the more options are open to you. Don't assume it's too late before speaking to us.
-
Within 30 days strongest grounds for complete removal
-
Under 6 years: Legal challenge still possible
-
Blocking a mortgage or visa. we can prioritise your case accordingly
-
Already paid? A satisfied CCJ still shows for up to 6 years, there may still be grounds
WHAT WE HANDLE
Different CCJs have different grounds for challenge.
Here are the types we specialise in:
Service Charges
Leasehold property charges issued without proper Section 20 consultation, unreasonable fees or not properly communicated
.png)
Parking Charges
Private parking operators who escalate disputes to CCJs without proper evidence or process
Disputed Invoices
Where work wasn't completed, quality was poor, contracts were breached or amount claimed is not what was agreed
Credits and Loans
Debts from accounts you didn't open, fraud, or amounts you've already paid, or mistaken identity that resulted in a CCJ against you
.png)
Utilities and Bills
Disputed charges for energy, water, council tax, or services at properties you no longer lived or bills you never received often issued with out your knowledge
Immigration Application
CCJs affecting Home Office applications for visa renewals, indefinite leave to remain, or British citizenship due to adverse credit history. We act with appropriate urgency
Not sure which applies to you? The assessment will identify your CCJ type and available grounds
HOW IT WORKS
We've made the process straight forward.
You'll always know exactly where your case stands
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
YOUR PERSONAL ROAD MAP
If there are grounds to proceed we'll explain exactly what we'll do, how long it is likely to take and what it will cost. No hourly billing surprises. A clear plan agreed up front
Many cases are resolved within weeks . Where an agreement is achievable, the creditor agrees to a removal, the process is significantly faster than a contested application
WE GET TO WORK
Consulting
Once you instruct us we begin within days and keep you informed at every stage.
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
Don't just take our word for it.
Here's what some of our awesome client's have to say about working with us
"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
STRAIGHTFORWARD ANSWERS
These are the concerns that stop people from taking action
We'd rather address them directly
I'm not sure I can afford help.
The free assessment costs nothing, it will tell what your case involves and what your options are before you commit to anything. If you decide to proceed we have a range of services depending on what your situation requires. A professional review of your file is £150.00. From there if you wish wish to proceed with a formal challenge we work on fixed fees, agreed up front with no hourly rate surprises.
I already paid the debt. Is it too late?
Not necessarily. If you paid after the fist 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
"I might actually have owed the money"
Even if you have owed some or all of the money, the grounds for challenge may lie in how the CCJ was obtained, not whether the debt existed. Procedural errors, wrong address, improper service of documents and lack of evidence all all independent grounds. The assessment will identify whether any of these apply to you.
" I don't know if I have grounds"
You don't need to know your position before you contact us . That's our job. 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.
"Can a CCJ be removed from my credit file?"
Yes. A CCJ can be removed from your credit file 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 application. Whether grounds exist depends on your individual circumstances, which is why a free assessment is the right first step
"How long does CCJ removal take?"
"The timeframe depends on whether your case proceeds by consent order or formal court application. Consent orders are where the creditor agrees to removal which can be significantly faster. Court applications take longer depending on court listing times. We begin reviewing cases within days of receiving instructions and will give you a realistic timeframe after your free assessment."
"What is the difference between a satisfied CCJ and a set aside?"
A satisfied CCJ means the debt has been paid, but the judgment remains visible on your credit file for up to six years from the date it was issued. A set aside removes the CCJ entirely, as though it never existed. If your goal is a clean credit file, only a set aside achieves that result.
"Does a CCJ affect a mortgage application?"
Yes. A CCJ on your credit file can prevent a mortgage application from being approved, or result in significantly higher interest rates. Most high street lenders will decline applicants with an unsatisfied CCJ. Removing the CCJ through a set aside or consent order can restore your eligibility for standard mortgage products.
"Can a CCJ affect my visa or immigration application?"
Yes. A CCJ can affect applications for Indefinite Leave to Remain (ILR), visa renewals, and British citizenship. Remove CCJUK has specialist experience in CCJ cases involving immigration status which is an area that requires understanding of both credit law and immigration requirements that few advisers cover.
"What does the free CCJ assessment involve?"
The free assessment is a short review of your CCJ, its type, when it was issued, how it was obtained, and how it is currently affecting you. It helps us identify whether grounds for a challenge exist and gives you honest advice about your options before any fees are agreed.
FAQs
Clear answers to the questions we are asked most often
What does set aside mean?
A set aside is a court order that cancels a CCJ entirely as though it never existed. It is removed from the Register of Judgements and deleted from your credit file. This is the strongest possible outcome and the one we always aim for where grounds exist
Do I need to go to court?
Not necessarily. Where we can reach an agreement with a creditor, no court attedane is required. Where a formal application is needed, we prepare you fully and support you through the entire process.
What does the free assessment involve?
A short review of your CCJ type, when it was issued, how it was obtained and how it is currently affecting you. We use this to identify grounds for challenge exist and to give you advice about your options.
What's the difference between a set aside and a satisfied CCJ?
A satisfied CCJ means that you've paid for the debt, but the judgment remains visible on your credit file for up to 6 years. A set aside removes it entirely. If your goal is a clean credit file, only a set aside achieves that result.
What if my CCJ is more than a year old?
Older CCJs are more complex but not automatically unchangeable. The grounds available may differ, and we will be transparent with about what's realistic. Don't assume the door is closed before speaking to us,
Are your fees fixed?
Yes. Once we've assessed your case and confirmed grounds to proceed, we agree a fixed fee upfront.
How quickly can you begin?
We begin reviewing cases within days of receiving your instructions. Where an agreement is achievable , meaning the credit agrees to the removal, the process can be significantly faster than a contested court application.
Do you work with immigration cases?
Yes, CCJs affect ILR, Vusa renewals, and British citizenship applications require specialsit understanding of both credit law and immigration requirments.
Call 0333 3444 945
LED BY
Winnie Onyekwere
LLB LLM
Founder
OUR COMMITMENT
We strive to approach each case with empathy and a deep understanding of the unique challenges faced by our clients
Our goal is not only to achieve the best possible outcome for removing a CCJ, but to give you the clarity and confidence to navigate the process without feeling overwhelmed. Honest advice even when it's not the answer someone hopes for is the foundation of a service worth trusting