Credit File Correction

How to Set Aside a Default CCJ

Discovering an unexpected County Court Judgment (CCJ) on your credit file can be a massive shock. Whether it was sent to an old address or you didn't receive the original court papers, you can legally apply to have the default judgment cancelled (set aside).

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What Does it Mean to "Set Aside" a CCJ?

Setting aside a judgment does not automatically mean the debt disappears. Instead, it "resets" the court case back to the very beginning. The judgment is completely removed from the Register of Judgments, Orders and Fines, restoring your credit score while giving you a fair opportunity to defend yourself or settle the claim.

The Two Legal Requirements to Set Aside a CCJ

Under civil procedure rules, the court will typically look for two key things before a judge agrees to set aside a judgment:

• A Good Reason: You must explain why you did not respond to the original claim form. The most common reason is that the claimant sent the papers to a previous address, meaning you never received them.
• A Real Prospect of Defence: You must show that you have an arguable defence against the original claim itself. Alternatively, you must show there is some other good reason why the judgment should be set aside or why you should be allowed to defend it.

Filing Form N244 for a CCJ Set-Aside

To begin this process, you must submit an application using Form N244. This application must be accompanied by a comprehensive witness statement outlining your timeline of events, when you discovered the CCJ, and why you did not receive the original papers.

You must act promptly as soon as you find out about the judgment. Any unnecessary delays can cause a judge to reject your application.

How ResolvePointsUK Can Assist You

Compiling court paperwork, structuring statements, and organizing supporting documents can be stressful and complex. We provide fixed-price administrative support to help you draft your application accurately:

1. Information Gathering: We analyze the judgment details and help identify your "good reason."
2. Document Drafting: We prepare the complete Form N244 and structure your formal witness statement.
3. Submission Assistance: We provide step-by-step guidance on how and where to submit your application to the court.