"setting aside" a CCJ - Form N244

[fairy!]

Has anyone done this? Form looks a bit complex, not sure what to fill in where. Does it work? Will the court really remove the CCJ from the persons credit file?

[Ethel]

If you can satisfy the court that the CCJ judgement should not have been issued for a valid reason then it will be 'set aside'.

This does not been cancelled, removed forever.

Unless the judgement was set aside because you have proven that you paid the debt - or you are not and never was the debtor - there will be a new hearing date where you can argue your case.

[fairy!]

Yep, I realise that.

The form is very confusing... what do you write where??

[Ethel]

This is an excellent site that has sample forms for you to use as templates - take your time navigating the site, using the left hand links. Lots of useful information.

http://www.insolvencyhelpline.co.uk/ccj-remova l/sample-form-n244.htm

Hope it helps!

Don't forget the Citizens Advice Bureau could also help you with form filling.

[PFA]

Hi Fairy,

Simple ans - CCJ will remain on credit file even if set aside.

Long ans - When you do this you will then have to provide the credit ref agencies (CRA's) with an NOC (Notice Of Correction) after the judegement - NOT JUST ONE BUT ALL THREE IF POSSIBLE. This will then VOID the CCJ but will show up on credit searches. However if you are applying for credit your lender may refuse you on your CCJ albeit it has been VOID - you will then have to provide your lender with a copy of the NOC and CC Judgement statement. However the case of a lender refusing you on a satisfied CCJ is very slim but then again it varies from lender to lender.

PS: The max it can stay on under current DPR's is 6 years

Hope this helps.