County court judgments

To the astonishment of lots, there are many thousands of people who are unaware that they have county court judgements against their name.  Modern computerised accounting systems used by commercial organisations is the main reason for this.  For example, if an unfortunate individual does not receive an invoice or paying in book in time to settle up before the computer starts its monthly run, then the computer can automatically serve the summons.  This causes serious danger because even if the money is paid, the county court judgements stay on your record and only comes to light, sometimes years later, when credit is applied for.

In some cases, unfortunately the larger public utility companies do not consider it to be in their best interest to agree to ‘set aside’, even when the debt is cleared.  So where does that leave the innocent customers who are denied the opportunity of an honest transaction?

By going through the courts, using due legal processes laid down for these cases, you can actually have some CCJs legally ‘set aside’ and taken off the records of Credit Reference Agencies, despite their origin.  

All you need do is read these instructions carefully, and follow them by ‘step by step’ process: -

You can write to one of the credit reference agencies, such as Experican and Equifax, not forgetting to enclose a £2.00 postal order/cheque.

Experian Limited,
Consumer help service,      
PO BOX 8000,
Nottingham,
NG1 5GX

Equfax Plc,
Credit file advice service,
PO BOX 3001,
Glasgow,
G81 2DT

When the Credit Reference Agency replies you with a list of CCJ’s against you, make a note and using our sample, ask the court to send you all the details they have against you for each CCJ.

You can now use the N244 to remove the judgement/s.  These are available free of charge from the courts, or you can use the copy in this booklet.

Fill out the form N244 by giving all the details relating to your CCJ, and give a reason for having the judgement set aside. If you are not sure, then refer to the valid reasons listed later.

Send the form N244 to the County Court and ask for a receipt of acknowledgment.  Once you have received confirmation that they have set the judgment aside, you can then send this letter on to the Credit Reference Agency stating that the CCJ has been registered against you.