A County Court judgment is a court order for you to repay a debt. In some cases, if you didn’t know about the CCJ, or the creditor who applied for it didn’t follow the right process, you may be able to get it set aside. When a CCJ is set aside, it is removed from your credit history.
Setting aside a court judgment is usually only possible if you have a good reason. There’s a fee to set aside a CCJ, and if you apply without a good reason you may end up out of pocket.
Setting aside a CCJ cancels the judgment. This doesn’t mean the debt disappears or that court action automatically stops. If the judgment is set aside, you and the creditor are put back in the position you were both in immediately before the judgment.
This means if you have an argument or ‘defence’ against the judgment which you didn’t get a chance to raise when the claim was first issued, you have a second chance to do this.
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