DCBL Private parking (eurocarparks)

[b789]

@merweetntr, if you pay it now, that does not make the CCJ go away. It would normally just be marked as "satisfied", which is better than leaving it unpaid, but not by much in real-world terms. It would still remain on your credit record for 6 years from the date of judgment and lenders, landlords and others can still see it. So a "satisfied" CCJ is still capable of causing financial pain for years. The real difference is that “satisfied” shows it was later paid, whereas “unsatisfied” shows it was not. Neither is the same as having it completely removed.

That is why paying it now is not some magic clean fix. It may be the quicker and cheaper way to stop matters getting any worse, but it still leaves you living with a CCJ on your record. If your aim is to get rid of it properly, the route is the N244 and a set aside.

As for timing, there is no fast guaranteed timetable for an N244. It usually has to be processed by the court and then listed for a hearing, so it can take a while. But if you decide to pay instead, the 30 day window for cancelling it completely has already gone. At this stage, payment would usually only result in a "satisfied" CCJ, not removal.

So the practical choice is this: pay now and accept a "satisfied" CCJ staying on file for 6 years, or apply to set it aside and try to get it expunged altogether.