Here at Lawyers4u we are often
asked if it is possible to have a County Court Judgment removed from a person's credit file. The
answer is Yes - but generally under very specific circumstances.
Chief amongst these is the
demonstrable fact that the person or entity the CCJ was recorded against had no initial
knowledge, or could not be reasonably expected to have known, that a creditor or claimant had
filed a claim against [him] with County Court - and that the court papers had been previously
issued and served at an address he or she no longer resided at.
Let's look at a hypothetical
situation to explain this ...
Say you lived at a residence
known as 1 Arcadia Road, London - say for example from 1st July 2015 and on 1st July 2017, you
relocated to a new address.
Perhaps you were flat sharing and
wanted a place of your own, maybe re located for work or your personal circumstances changed.
The actual circumstances are irrelevant for our purpose - only that you no longer resided at 1
Arcadia Road after the 1st July 2017.
In December 2017 a creditor (whom
you are unaware of) after sending letters of claim to your former address at Arcadia Road
without response, files a claim with the County Court to recover what they assert they are owed.
In the Claim and Response Pack sent to your former address there are provisions for you to make
a defence against the claim and a notice of the time and date of the scheduled hearing.