0333 3444 945
Remove CCJUK
CCJ Removal Services
View our reviews from our clients on Trustpilot
Already Have a Service Charge CCJ?
You Have More Options Than You Think.
Help for leaseholders who questioned their service charges and ended up with a County Court Judgment
You are not alone. And it's not too late
If This Sounds Familiar, We Can Help:
-
Your managing agent never properly explained the service charge increase
-
The charges felt unfair, but you didn't know how to challenge them
-
Before you knew it, solicitors were involved and costs spiralled
-
Now you have a CCJ blocking your mortgage, re-mortgage, or property sale
-
You feel blindsided, frustrated, and stuck
Here's what your managing agent probably didn't tell you:
The CCJ doesn't mean they were right. It means you didn't respond in the way the court required.
And that's something we can address.
Most leaseholders come to us believing one or more of these myths:
MYTH: "Paying the CCJ makes it disappear from my credit file"
REALITY: Paying marks it as "satisfied" but it stays for 6 years. However, you can still challenge the underlying charges and potentially get the CCJ set aside.
MYTH: "The CCJ proves the managing agent was right"
REALITY: The CCJ was granted for non-payment – NOT because a court determined the charges were reasonable. Two completely different things.
MYTH: "It's too late – my window has closed"
REALITY: You can challenge service charges even after payment, as long as you haven't explicitly admitted they were reasonable. CCJs can be set aside in certain circumstances.
MYTH: "I have to accept this for 6 years"
REALITY: With proper negotiation and mediation, we help leaseholders reach fair settlements and, where appropriate, challenge CCJs that shouldn't have been granted.
The Truth About Service Charge CCJs
Want to Understand What really happened?
If you're trying to make sense of how you ended up with a service charge CCJ, and whether paying it off is actually your only option, we've written a detailed guide that walks through the entire journey many leaseholders experience.
It covers what went wrong, why the system feels rigged, and what options actually exist even after the 30-day window.
You Questioned It for a Reason
Managing agents have a legal obligation to:
-
Properly explain service charges and increases
-
Follow Section 20 consultation for major works
-
Provide transparent breakdowns of costs
-
Ensure charges are reasonable
If they didn't do this, you had every right to question the charges.
The problem? Most leaseholders don't know the proper procedures for challenging service charges. The system is complex, deliberately opaque, and heavily weighted toward freeholders and managing agents who deal with these disputes every day.
You weren't wrong to question.
You just needed expert guidance on how to do it properly.
Our Approach: Fair Settlement, Not Warfare
At Remove CCJUK, we don't believe in escalating conflict. We believe in negotiation and mediation to reach fair resolutions.
Here's What We Do:
Investigate the Original Charges:
-
Were they properly explained and justified?
-
Did the managing agent follow legal consultation requirements?
-
Are the charges reasonable under your lease terms?
Cut Through the Noise
-
Translate legal jargon into plain English
-
Dissect misleading information from managing agents
-
Show you exactly what happened and why
-
Negotiate Fair Settlements
-
Use our mediatory approach to find solutions
-
Apply our negotiation skills and industry knowledge
-
Focus on outcomes that work for you
Challenge the CCJ Where Appropriate
-
If procedural errors occurred, we can support you to apply to set aside the judgment
-
If charges were unreasonable, we can support you to challenge them through proper channels
-
Our goal: Remove barriers so you can move forward with your life
Who We Help
We work exclusively with leaseholders in flats (new builds, conversions, and luxury developments) across major UK cities who have received CCJs for disputed service charges.
You might be facing:
-
Blocked mortgage or re-mortgage applications
-
Unable to sell your property
-
Relationship and financial stress
-
Feeling powerless against managing agents
-
Confusion about your rights and options
If you're a leaseholder who questioned service charges that didn't make sense, we're here to help you reach a fair resolution.
Why Remove CCJUK Is Different
Mediation-Focused Approach
We assist clients in reaching fair settlements through negotiation and conciliation – not aggressive litigation that escalates costs and conflict.
Clarity Through Complexity
We cut through the legal jargon and misleading information that managing agents use to overwhelm leaseholders. You'll understand exactly what's happening at every stage.
Solution-Oriented
Every case ends with clear next steps. We're not here to just explain your problems – we're here to solve them.
Insider Knowledge
We understand both sides of the equation. We know how managing agents operate, what leverage you have, and how to negotiate from a position of clarity and strength.
The Real Cost of Doing Nothing
Without addressing your service charge CCJ:
Financially:
-
Can't re-mortgage to get better rates (costing you thousands)
-
Can't move or sell your property
-
Can't access credit for major purchases
-
May face further legal action if disputes continue
Emotionally:
-
Ongoing stress and anxiety
-
Relationship strain from financial pressure
-
Feeling powerless and taken advantage of
-
Mental health impact
Practically:
-
Your life is on hold for up to 6 years
-
Future service charge disputes become harder to fight
-
The precedent is set for managing agents to continue unreasonable charges
What Happens Next?
Step 1: Free Consultation
We'll review your situation, look at the CCJ details, and explain your realistic options. No obligation, no pressure.
Step 2: Case Investigation
If you decide to work with us, we'll thoroughly investigate the original service charges, the CCJ process, and identify any procedural issues or unreasonable charges.
Step 3: Strategy Development
We'll create a clear strategy for negotiating with the managing agent, challenging the charges if appropriate, and pursuing CCJ removal where possible.
Step 4: Negotiation & Resolution
We handle the negotiation process using our mediation approach, keeping you informed at every stage, working toward a fair settlement.
Step 5: Moving Forward
Once resolved, you can move on with your life – whether that's re-mortgaging, selling, or simply having peace of mind.
FAQs
Can a CCJ really be removed from my credit file? Yes, in certain circumstances. If there were procedural errors in how the CCJ was obtained, you can apply to have it set aside. If you pay within one month of the judgment, it won't appear on your credit file at all (though this window has likely passed for most of our clients). We focus on challenging the underlying charges and negotiating fair settlements that may include CCJ removal as part of the resolution
I already paid everything including their legal fees. is it too late? Not necessarily. You can still challenge service charges after payment as long as you haven't explicitly admitted they were reasonable. If you paid "under protest" or simply paid to stop further action, you may still have grounds to challenge the charges and seek a refund of unreasonable costs.
How long does this process take? It varies depending on the complexity of your case and the managing agent's willingness to negotiate. Some cases resolve in weeks, others may take several months if formal challenges are required. We'll give you a realistic timeline during your consultation.
What if the managing agent refuses to negotiate? We have experience dealing with difficult managing agents and know the proper channels for escalation, if necessary. Our negotiation approach is designed to encourage settlement, but we're prepared to pursue formal challenges when reasonable negotiation fails.
How much does this cost? We discuss fees during your free consultation based on the complexity of your case. Many clients find that resolving their CCJ – allowing them to re-mortgage at better rates or sell their property – saves them far more than our fees cost.
Our Guarantee
No Hidden Costs
We promise to inform you before we begin and to keep you informed throughout so you are always sure what everything will cost
Clear Communication
Engage in straightforward jargon free conversations via your preferred communication methods
Free Initial Consultation
Book a free, no obligation consultation with one of our experienced team at a time convenient for you to clarity on your needs and to establish the legal grounds to get your CCJ removed
Flexible Availability
Talk to us about your schedule, urgency and timeline to see how we can tailor the service you receive
Contact
If you require help, we would be happy to provide you with support for your case to remove a CCJ, make an application to set aside a default judgement CCJ or help with repairing a credit file Just connect. We will:
-
discuss your situation
-
explore a personalised solution tailored to your needs
-
clarity on available options to making an informed decision
-
you will walk away with a clear road map to navigate your situation with ease
-