A County Court judgment is a court order to repay a debt. You may be able to get it set aside if:
- You did not know about the CCJ
- The creditor did not follow the right process to apply
This usually only happens if you have a good reason.
- There is a fee to do this currently £313.00
- You have to pay this fee even if you are not successful
When a CCJ is set aside, it is removed from your credit history.
Setting aside only cancels the judgment. It does not:
- Make the debt disappear
- Always stop court action
After the CCJ is set aside:
This gives you a second chance to object to the claim
You and the creditor go back to where you were before the CCJ
Reasons to set aside a CCJ
I did not get chance to respond to the claim form because:
- It went to an old address
- Problems with the post meant I did not get the form
I responded to the claim form but the creditor:
- Ignored what I said
- Asked for a judgment too early
I do not have to pay this because:
- The debt was paid in full before the judgment was raised
- The debt is statute barred
- The creditor did not give me the information I asked for
- This means they are not complying with the Consumer Credit Act
Information on the claim is wrong:
- The debt details are wrong
- The amount owed is wrong
What to say on the form
Complete the box in top right hand corner and fill in details of:
- Your income
- Living costs
- Debts
- An offer of payment
Explain what you can afford to pay based on:
- Your household income (section 6),
- Your household spending (section 7)
- Debts (sections 8-10)
- How much you can afford to pay (section 11)
The court will send the form to the creditor to see if they agree with the new amount. If the creditor does not agree there will be another hearing which you must attend
The court decides a fair payment if they do not agree. This is may be done without a hearing.
The court writes to you with details of the new payment amount. Keep up with the new payments if you agree.
Last Updated on June 10, 2026 by Ashford Advice