Civil enforcement ltd CCJ need to contact them

Emmalm87

Hi all this is my first post so sorry if I'm rambling on.

Me and my husband are applying for a mortgage and we wasn't aware but have a CCJ on his credit record from a parking fine from civil enforcement ltd last year. We paid the fine £237 with the 30 days so stop the CCJ. Civil enforcement should have rang the court and informed them we'd paid but surprise surprise they didn't. I really need this CCJ off the credit file I have rang many numbers for CEL and none work I have emailed them and got no reply. I have posted a letter recorded post today in hope they will get that and ring the court. The court don't really want to help me and they have told us to fill in N441 form which we've filled in but have to wait up to 28 days for this. We don't really have that time as there is a chance we could lose the house we want to buy.

Can anyone help??
Has anyone managed to get in contact with CEL??

Many thanks
Emma lambert

Half_way

Normally you would go for a set aside, however if you have paid the CCJ this can possibly cause you a whole load of issues making the CCJ nigh on impossible to remove from your file.
If you can get a set aside, to clear your name and get a clear credit rating you will need to get a set aside, and then challengge the original pakring charge again, possibly through the courts.
A paid up CCJ will remain on your credit file for up to 6 years, marked as satisfied. Even this can cause issues, the only way to be rid of it is to clear it via the courts

You said you have paid the fine, you were not fined - you have been tricked.


To get a better understanding of what happened we need to go right back to the start.

Where was the original parking charge picked up, and what for/why?

Do you have any of the original paperwork relating to this parking charge ( note it is not a fine!!)

Do you have a copy of any of the so called debt recovery/whatever letters?

Do you have/did you have a letter from the court?
if so did you ignore this?
Did the court letter/any letters go to the wrong address, ie you moved house? if so did you update the DVLA records?
Do you have a receipt of payment?
did the transaction go through?
to who was the payment made?
Did you just ignore everything - including the court documents?
did you throw everything in the bin/shred it all, including court documents?

Sabrina17

Hi have you managed to get hold of them? i am having the same problem and cannot get hold of the company!!!

Coupon-mad

Sabrina17 wrote: »

Hi have you managed to get hold of them? i am having the same problem and cannot get hold of the company!!!

But you don't need to. I hope YOU have not paid the CCJ sum as well?* That is not the best way to handle it. See here for the right way:

https://forums.moneysavingexpert.com/discussion/5585047

Start your own thread if you haven't already...

*oh dear, I see you also rushed to pay the sum instead of setting it aside and winning:

https://forums.moneysavingexpert.com/discussion/5624260

Both of you would/should have paid (in the end, after CEL had to refund the court fee, as ordered by a Judge) nothing at all to clear this. Should have done the same as the poster saggi in that first linked thread - set aside and refund of the £255 court fee, all done & dusted quickly, leaving CEL seething and with no way forward.

You should both complain to your MPs and copy in Sir Oliver Heald and Andrew Jones at their Parliamentary addresses, as the Government are dragging their feet on the promised action to stop this secret CCJ court abuse by parking firms and to rein back PPC cowboy scams generally.

nigelbb

Half_way wrote: »

Normally you would go for a set aside, however if you have paid the CCJ this can possibly cause you a whole load of issues making the CCJ nigh on impossible to remove from your file.
If you can get a set aside, to clear your name and get a clear credit rating you will need to get a set aside, and then challengge the original pakring charge again, possibly through the courts.
A paid up CCJ will remain on your credit file for up to 6 years, marked as satisfied. Even this can cause issues, the only way to be rid of it is to clear it via the courts

I may be wrong but I read the OP to mean that they had judgement against them in court but paid the money in full to CEL within 30 days so no CCJ should have been registered but CEL did not inform the court that payment had been made.