We speak to clients all the time that have ended up with a County Court Judgement (CCJ) and sometimes they didn’t even know they had one until they were declined for a mortgage. It can be quite difficult if not impossible to remove a CCJ from your credit report once it is on there.
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CCJs are no longer viewable on your credit report after 6 years but it is possible to get a mortgage before they actually disappear. The longer ago it was registered the easier it will be but you can expect to put down a higher deposit than usual if your credit score has been adversely affected. Apply now, for a free mortgage appointment. Once you get in touch, as a mortgage broker, it's our job to help you try and get a mortgage with a CCJ.
Apply NowWhat is a CCJ?
A County Court Judgement (CCJ) is a court order in England, Wales and Northern Ireland that might be registered against you, should you fail to repay money that you owe. A CCJ only be pursued by a creditor when all other avenues of redress have been exhausted.
Can I remove a CCJ from my credit file?
When you receive a CCJ, you will get a short window of opportunity to remove it from your credit file. The court will give you 30 days to pay back the amount owed, if you manage to meet this then the court will approach the registry to get the CCJ removed from your credit file. If you fail to pay back the money that you owe, you will have a permanent record of a CCJ on your credit file for 6 years.
How can I rebuild my credit score after getting a CCJ?
Your CCJ will stay around on your credit file for 6 years from the date that it was issued, so to increase your credit score, you will need to show improvement and reliability. We would recommend that you minimise your applications for further credit and always keep up-to-date with your ongoing financial commitments. It’s also good practice to check your credit report regularly and make sure that all of your details are correct.
Can I dispute a CCJ?
If you want to dispute a CCJ and want to re-open the case against you, you will need to make sure that you can supply enough evidence to why you shouldn’t have been issued a CCJ in the first place. You can appeal the CCJ by completing a N244 form. The fee will be quite large for them to reopen your case, however, if the court agree that you shouldn’t have been issued the CCJ, it will be removed from the register altogether.
Can lenders see a CCJ after 6 years?
The maximum length that a CCJ will stay on your credit file for is 6 years. The impact on your ability to get accepted for a mortgage depends on how long ago the CCJ was issued and the amount that is owed.
How can a mortgage broker help me get a mortgage with a CCJ?
A mortgage broker like us has access to specialist mortgage products, some of which have been made for applicants with CCJs. We will look at your CCJ, check how recently it has been issued and see whether you'll be able to get a mortgage or not. If you match the criteria for a mortgage, you may need to put down a higher deposit to show your reliability; our advisors will talk you through all of this.
We understand that everyone's lifestyle is different which is why our team are available when you are.
There is no hidden or additional fees upfront. Once we have successfully helped you, that's when we request the payment.
With a dedicated case handler by your side, you will always know who you are dealing with throughout the process.
Obtaining a mortgage with adverse credit can be difficult, however, our team can look into your case and provide a plan that could improve your credit score and potentially increase your chances of obtaining a mortgage.
We will try and find an insurance product to run alongside your mortgage so that you are protected in the future.
Our team has access to specialist lenders who may offer mortgage products suitable for circumstances with adverse credit.
Our team are experienced in dealing with many self-employed cases and can provide you with the support and advice you need to help back up your application.
Going through the mortgage journey as a self-employed applicant can be quite a challenge. Our mortgage advisors utilise their experience within the mortgage industry to overcome any obstacles you may experience.
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Mark
Megan and Wayne have been great throughout. Both really easy to work with and on top of things at every step of the process. Thanks a lot.
Anonymous
Excellent service by Malcolm, Paula & Meghan. We completed our purchase last week in what was supposed to be a very difficult case due to my bad credit and limited trading history as a director of LTD company. UKmoneyman dug out a lender that...
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Very good service received. Wayne is very knowledgeable and helpful especially with me been a first time buyer. Also very accommodating with timings and I was able to have chats later on a night to fit my schedule. Very supportive all the way...
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So far so good ! The first point of contact was lovely, made me feel at ease and very knowledgeable.
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Great help from the team, helped find exactly what we were after, and was an easy straight forward process. Being self employed it can be tricky however there were no problems with the help and advice we received.
Paul
Very helpful and efficient service. Wayne, the financial advisor who handled our case was thorough and professional, he gave us some very useful information and importantly sourced a good mortgage for our needs. Once we had a mortgage offer in...
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From start to offer leo and jo have been great and done everything so quickly and I have not had to stress once been to other broker companies and this is the best by far will definitely use them again 😊
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excellent service
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My initial interaction with Faye from UK money man has been really personable and I felt like she understood my needs very well. I’m hoping they can help deliver what I need and I didn’t feel any pressure to have to go further with my...
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UK Moneyman have been super helpful and reliable. Have always been able to count on them getting back to us quickly and made us feel comfortable checking anything out we were not really sure about. They made the whole process as easy and hassle free...
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The team were fantastic, in finding the product for me. Jo also walked me through what to expect when purchasing your first home I.e. time frames, and answer my many questions. Also their after care has been great, checking in on how the purchase is...
Luke
Myself and partner used UK Moneyman for our first time buyer mortgage. We’ve had round the clock care well above the norm. Multiple routes forward regarding which mortgage to go for with lots of information to help prepare us through the...
David
I cannot thank the UK Moneyman service enough. Securing a mortgage meant more than just that to me, it was – is - a life chance. However, because of my credit history, I didn’t think that it could be done. Right from the start of the...
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UK money man where so helpful. Chloe and Joe was amazing with us. Stayed in contact with us giving advice and updates, so glad we chose UK money man! Thanks for all your help.
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We’re so glad that we decided to use UKM to help us through the process of buying our first home, they took most of the stress off our shoulders and we’re always there to answer any queries. Would definitely recommend them to anyone...
Thorsten
I found Dinah at Harrogate Moneyman to be extremely supportive. She listened carefully to our needs, proposed solutions and followed up closely. A great service - I’d recommend Harrogate Moneyman to anyone looking for mortgage options.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
