CCJ from Parking Eye

lisajane888

I am currently in the process of going for a mortgage and received a call from the bank to say I have failed my credit check due to a CCJ.

After looking into this it has become apparent that Parking Eye limited issued a CCJ from an unpaid parking fine.

I had received a couple of initial letters from them but ignored them based on previous advice (2013). They issued court proceedings but all the letters went to an old address and I had no idea that it was being taken further.

I am now in the position were my mortgage has been refused and I might lose the house I have an offer on.

I think my only option is to pay the £200 as the mortgage lender will reconsider my application if this is cleared.

Has this happened anyone else? Any advice would be greatly received.

Thanks

bod1467

Your search term for tonight is set aside. Costs £155, but you get that back (from PE) if the judge agrees you have a valid case, and you then win the re-hearing (or PE fail to bring the case again).

Having court documents going to an old address is a valid case, as long as the reason for this is because of PE's failings and not because you forgot to update new address details with DVLA in a timely manner!

hoohoo

http://www.parking-prankster.com/ccj.html

This might be useful.

Redx

loads of similar threads on this, put set aside into the forum search box

like this one

https://forums.moneysavingexpert.com/discussion/5308269

and

https://forums.moneysavingexpert.com/discussion/5294158

and

https://forums.moneysavingexpert.com/discussion/5252711

and

https://forums.moneysavingexpert.com/discussion/5124120

to name just a few of many

Half_way

After looking into this it has become apparent that Parking Eye limited issued a CCJ from an unpaid parking fine.

Bad its not a fine

I had received a couple of initial letters from them but ignored them

Ignoring is bad advice, and n my opinion always has been

but all the letters went to an old address and I had no idea that it was being taken further

Good, you have a chance of overturning this, also I would be tempted to get in touch with the car park owner and let them know whats happened in their name, It may also be worth opening some dialogue with the land owner with regards to compensation/paying back what you've lost as a result of them allowing parking eye to infest their car park

Quentin

lisajane888 wrote: »

I think my only option is to pay the £200 as the mortgage lender will reconsider my application if this is cleared.

Try and find out if this lender is genuine about this offer to reconsider before paying instead of going down the set aside route, and what are the chances their reconsideration will result in an offer.


If you get the CCJ set aside then you are in a much better situation as the CCJ is removed from your record completely. You can then fight if they decide to go for another claim, and should they win you would be able to keep it off your record by paying promptly


But if you pay it in a panic, although it will be marked as paid it will still remain on your record for 6 years


And your lender may still decide not to offer you a loan

handprint10

Now in confused. I had a private parking ticket last week and am also due to apply for a mortgage in the next 12 months. I've not responded to the ticket yet debating to ignor or appeal. Now I'm just debating paying it to save my credit score. Any ideas?

Quentin

As advised above, if you end up losing in court and get a CCJ, then your credit record is not affected unless you don't pay it all off promptly (within a month of the CCJ being issued)


So you don't need to worry.


(Don't "ignore" the ticket though - read the newbies FAQ thread on your way forward)

fisherjim

handprint10 wrote: »

Now in confused. I had a private parking ticket last week and am also due to apply for a mortgage in the next 12 months. I've not responded to the ticket yet debating to ignor or appeal. Now I'm just debating paying it to save my credit score. Any ideas?

You read the newbies thread on here, do not ignore, fight it, win, and save the money towards your new home, oh and start your own thread.;)

Umkomaas

handprint10 wrote: »

Now in confused. I had a private parking ticket last week and am also due to apply for a mortgage in the next 12 months. I've not responded to the ticket yet debating to ignor or appeal. Now I'm just debating paying it to save my credit score. Any ideas?

Please start a new thread as we work on the basis of one case, one thread - which makes sure advice doesn't become confused between (potentially) multiple PCNs.

What you're thinking of doing is the last thing you should! More in your own thread.

lisajane888

Thanks for the advice. I looked into and spoke to the court. They said I would have to go to court and I'm living over in Northern Ireland. Will costed me more in the long run and risk losing the house I want.

I'm so cross but I am just going to have to pay them!!

They had me stuck between a rock and a hard place. I had no choice but to pay and hope I get my mortgage approved!!

Thanks for everyone's advice.