CCJ at an Old Address: Can I Get It Removed?

You’re checking your credit file and suddenly see a County Court Judgment (CCJ) — but it was issued to an address you haven’t lived at for years.

You had no idea the claim existed. You were never served. You missed all the deadlines.

Now it’s damaging your credit and your ability to get finance, rent, or even switch bank accounts.

So can you get it removed?

Yes — in many cases, you can apply to have the CCJ set aside if it was sent to the wrong address.Let’s break down when this applies, and how you can fix it.

Why does it matter where the CCJ was sent?

In the UK, court rules say that a claim must be properly served. That means the paperwork must be sent to your last known address, or one you’ve confirmed is still correct.

This is governed by Civil Procedure Rule 6.9 — which says service by post is only valid if it goes to the defendant’s usual or last known residence.

If it was sent to an old address and you didn’t receive it, you may be entitled to have the CCJ set aside under CPR 13.2 — the court must do this if service was invalid.

What is CPR 13.2?

Under CPR 13.2, the court must set aside a default judgment if it was “wrongly entered.”If the claim was never properly served — for example, sent to an old address — then the judgment may fall under this rule.

The courts have consistently held that improper service renders the judgment invalid, and the defendant is entitled to have it set aside. In other words, if you never received the claim, and therefore never had the chance to defend yourself, the court has a legal obligation to undo the judgment.

What if I forgot to update my address?

Even if you moved and forgot to tell the creditor, the court may still set aside the CCJ if it was not served properly and you acted promptly after finding out about it.

What matters is:

• You didn’t receive the claim forms

• You had no opportunity to defend yourself

• You apply to the court promptly after discovering the CCJ

What evidence will I need?

To prove the CCJ was issued to an old address, you may want to include:

1. A copy of your tenancy agreement or council tax bill showing when you moved

2. A Subject Access Request (SAR) to the creditor to find out what address they used

3. Your credit file showing the CCJ entry and the wrong address

Our AI tool can help you generate the court forms and witness statement needed to explain this.

Can I still apply if I’ve paid it?

Yes — paying the CCJ doesn’t waive your right to challenge it. If it was entered improperly (wrong address, no notice, etc.), you can still apply to set it aside even after payment.

Now What

If you’ve just discovered a CCJ at an old address:
Act quickly — the court expects prompt action once you’re aware
Request a SAR from the creditor to confirm where the claim was sent
Download your credit file to see what address is linked to the CCJ
Use our tool to generate your N244 form and witness statement
Apply to set aside the judgment under CPR 13.2

This isn’t just a technicality — it’s your legal right. The court must remove a CCJ if you never had a chance to respond.

Start here:
Challenge Your CCJ With AI

Useful Links
Subject Access Request Template
How to Remove a CCJ Without a Lawyer
How to remove a CCJ in the UK
Parking tickets and the 6-year rule