IVA Formal Debt Solution

IVA or Trust Deed in Scotland is a formal court considered and approved debt solution for debts in excess of £20,000

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Debt Management

Debt Management and Debt Consolidation Plans informal plans to bring your debt problems into line

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Credit Repair

Legally remove CCJ’s and defaults which have been wrongfully registered against you

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Legally Remove CCJ’s

Cut Monthly Debt Cost By Up To 80%!

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Reasons why CCJ's can be legally removed
	were you given 28 days notice in order to pay the CCJ?
	Were you living at the address when the summons and judgement hearing took place?
	If you took out a loan or any form of credit were you in receipt of the Default Notice before receiving the County Court summons?
	Did you receive the summons? As they are not sent by recorded mail.
	Were you able to attend County Court and defend yourself? You have a right to a defence.
	The CCJ should not appear on the credit files if it was paid up within 28 days. If you agreed to settle 'out of court' with the plaintiff you should not have received a judgement.
	If you did not receive any notification of the judgement made against you, then you can appeal.
	Did you agree with the full amount of the CCJ at the time, but now only agree with part of the amount?
	Was the CCJ taken out against both yourself and another person jointly. If this is so, did you both receive your summons? It could have been that you were away from the time between the issue of the summons and entry of the judgement?
	Did you receive the summons on time for you to apply to the court. You have 21 days to reply to the court. If the summons was 21 days late then the judgement would have already been taken out against you?
	Did somebody use your name or address to obtain credit, which resulted in a County Court judgment without you knowing?

CCJ's are a major influence on your credit rating, one small judgement can bring great damage to an otherwise unblemished credit record, thus making it difficult or at the very least far more costly for you to get approval for consolidation loans, mortgages or remortgage or even something as basic as a credit agreement for a new HI-FI or mobile phone. The embarrassment that many have experienced when being refused credit even for the most simple things can be great. The pressure when you stand in the shop waiting for the credit search to come through sweating incase you are refused. That embarrassment and pressure may well not be necessary. Removing CCJ's is possible in many cases and can repair your credit rating almost instantly.

A judgement recorded to your credit file is to be avoided if at all possible, always try to settle disputes before they get to court and if your finances are out of control take action before the courts do by getting advice from a company such as credit repair UK. If you already have a County Court judgement recorded against you we can start a removal programme today to legally remove your CCJ's. The costs of removing a County Court Judgement are minimal, the benefits, well they are immense.

Although we have a very good success rate there are no guarantees of success with the judgement removal program and before instructing us to act on your behalf you should read the valid reasons section below to check that you have a good case for your judgement to be removed.

We appreciate that many people want to remove their judgements so that they can consolidate their debts, or raise money for other purposes. With those needs in mind we have arranged special schemes with our strategic partners for loans, for clients who may have judgements or an otherwise impaired credit profile. If you are looking to have your judgements removed in order to raise finance that you require, please contact us first as we may have a plan readily available for your current circumstances. Just complete our online enquiry form and one of our highly skilled advisors will call you back.

Advantages of legally removing CCJ's
	You will greatly increase your chances of being accepted for loans.
	You will be accepted for mortgages you would previously be refused.
	You will be eligible for lower rates on all of your lending.
	You will be able to consolidate your debt at much lower interest rates.
	Credit avenues you previously thought closed to you will open.
	The most instant positive effect for your credit file.