What should you do about unsatisfied judgments?

Answer 1

Firstly if you are unaware that someone or a company has lodge a claim and the first you hear is when judgment has been made, you can request for a fee of £30.00 to the issuing court for the judgment to be set aside, giving reasons that no documentum was received and then try to sort out with the party issuing the claim.

If however this isn't the case, you have several options.

1) If judgment was less than 28 days and you pay this in full, then you can request that the judgment or CCJ is not entered on the register of judgments, thus this will not affect your credit rating.

2) You can offer to pay the judgment by instalments, but this may take longer that 28 days, which if this is the case the judgeent will be entered on the register and show up against you on any future credit searches. However once this is paid in full, you can request for a certificate of satisfaction, which is a formal document from the court advising that the debt has been paid (this however will not cause the CCJ to be removed from the register, this will remain for up to 6 years).