Excel Peel Centre have issued a judgement against me - help!

orwin80

Can you please offer advice. I was unaware of the change to the law and have been ignoring all correspondence with EXCEL and I have discovered I now have a judgement against me at Northampton County Court. What can I do? I sent an original appeal in via email and they rejected it. I emailed back that I would not be paying their rediculous fine. I only discovered this when I failed to get credit for a sofa and asked for a credit report from Experia.

I am so upset about this? How can I get this judgement removed?

How can they get away with this? The fine is totally over the top.

Stroma

Start your own thread

prosnap

You need to start your own thread as you have now interrupted this one and made it very difficult to follow.


This is why there is a "One case, one thread" rule.

Redx

I have reported this hijack to the board guide for splitting , so it will be its own thread soon

the law changed in october 2012 so nigh on 2 years ago (POFA 2012)

its not a fine either , its an invoice you failed to pay or to appeal so they took it to small claims court and won by default

I suppose you could try to have the judgement set aside so look for similar threads on here where that happened , and how , and how much it cost too

obviously you are upset, we all would be , thats why its time to wise up and learn or it will happen again to you , so read the NEWBIES sticky thread too

Umkomaas

Did you receive county court papers with Excel as the claimant after you sent them your 'I won't be paying your ridiculous fine' email?

Stroma

A county court letter must have sent, have you changed address recently ?

Crabman

Welcome to MSE :hello:

I've moved the above posts into a new thread so all info and replies can be kept in one place

arabesque_101

You can't have a judgement issued against you unless you had an official court claim served on your first. If you didn't ever receive a properly stamped claim then you might be able to apply to the court to have the judgement set aside, and then Excel will issue you a new claim against you that you can then defend. However, if you had official court papers served on you and you ignored them, then it will be very had to have the judgement set aside, in which case the best you can do is pay the amount of the judgement. If you pay the judgement debt within 28 days of the judgement no record of the judgement is kept. But in your case, it looks like you've gone past the 28 days. In which case, you should still pay the judgement amount and once it has been paid, you can then apply to have it marked as "satisfied", which means a record is still there, but credit rating agencies can see that you have paid it. A satisfied judgement affects your credit rating less than an unsatisfied one. This is explained on the Experian website here http://www.experian.co.uk/consumer/faq/CCJ2.html under the heading "How do I remove a paid judgment from my report?".

To sum up: first decision - do you want to apply to have the judgement set aside? If you do, apply to the court to have it set aside. If you don't want to apply to have it set aside, then pay the judgement amount to Excel and it will be marked as satisfied.