CCJ and my Credit Score- All correspondence sent to address from 2013

SmellyMog

To get this clear:

Everything has been going to an address you were at four years ago.

A parking charge arose from Parking and property management ltd during the time you were at that address.

The PPC had your address either

(a) because you or someone else had supplied it to them regarding applying for a residents’ permit, or
(b) because, regardless, of the above they obtained the details of the registered keeper from the DVLA.

(To know which of the above actually applies depends upon what paperwork was involved, and whether any of it refers to the registered keeper)

The charge was for not displaying a residents’ permit

You ‘disputed’ the charge with the PPC and the landowner - presumably at the time you had received it , and while still at that address

Some time after this you moved

Four years down the line you discover a CCJ was issued against you back in September last year.

First thought on the CCJ is that all the ‘missing’ correspondence would be sent to the address that the PPC had on their records as at the date of the parking charge. As far as I’m aware, there would be no reason for the PPC to make any subsequent request to the DVLA for details, so keeping your DVLA record up to date when you moved would not affect the issue. This is of course assuming you did not give them a new address yourself.

However, can you confirm that events to date as above are substantially correct, or point out where they are not. Then, I think, we can get down to the precise details.

pappa_golf

what date was this ticket ?

parking and property management did not join the ipc untill 24/12/2013 and indeed they did not exist untill 9 August 2013

so did they ticket you between 24/12/2013 and 31/12/2013 , or perhaps they may have been acting illigally

Coupon-mad

zebrarose wrote: »

Any help would be greatly appreciated. I really feel overwhelmed with this stress

Threads galore like this:

https://forums.moneysavingexpert.com/discussion/5612773

But there are loads more, including one found when you search for 'Ash' or 'saggi' who both recently got set asides. YOU CAN TOO.

HTH

zebrarose

SmellyMog wrote: »

To get this clear:

Everything has been going to an address you were at four years ago. CORRECT I was at the property they were sending correspondence to from September 2013- November 2014 (address correct with DVLA during tenancy)

A parking charge arose from Parking and property management ltd during the time you were at that address. [B]INCORRECT[/B] the charge arose from a property I had a tenancy with from August 2015- August 2016 (address updated for tenancy at this property with DVLA).

The PPC had your address either

(a) because you or someone else had supplied it to them regarding applying for a residents’ permit, or
(b) because, regardless, of the above they obtained the details of the registered keeper from the DVLA. ALTHOUGH IT WAS THE INCORRECT ADDRESS THEY OBTAINED- even though the DVLA records should have been up to date as I have licences with each address

(To know which of the above actually applies depends upon what paperwork was involved, and whether any of it refers to the registered keeper) In my original appeal (November 2015), I referred to the issue as 'my vehicle was issued', and also wrote that I challenge and dispute the charge.

The charge was for not displaying a residents’ permit CORRECT

You ‘disputed’ the charge with the PPC and the landowner - presumably at the time you had received it , and while still at that address CORRECT Although, after reading and reading on this forum, I am now not 100% sure the real estate agent is the landowner. The charge was a windscreen one.

Some time after this you moved August 2016

Approx a year down the line you discover a CCJ was issued against you back in September last year.

Coupon-mad

DVLA records should have been up to date as I have licences with each address

It's not about your driving licence. Your V5 for that vehicle MUST be updated too, when you move.

But stop focussing on the detail, this is not relevant, really. We all know how this happened because it is a well-known scam by parking firms to get secret CCJs. So common and unconscionable, a scandal, that the Government has taken notice. We've helped LOADS of people in your shoes.

The solution has been given to you, with a link and I told you two other names to search for and read their set aside threads as well.

zebrarose

Property A September 2013-November 2014 Correspondence sent to this address but not residing here
Property B November 2014- August 2015
Property C August 2015- August 2016 Parking Charged recieved, disputed and rejected
Property D August 2016- current Found out about CCJ which was according to the CCJBC ordered in September 2016

Sorry it is a bit confusing or if I'm not explaining it well.

zebrarose

Coupon-mad
I'll start reading those threads- thanks very much.

Received PC from UKPC on 24/2/17- after reading the newbies section, I am under the impression I use the blue text template and send it to them tomorrow... right? Or do I wait for the NTK? But if my V5 address is incorrect, there is no point and I should just email them tomorrow.

DCFC79

Just remember your credit score isn't seen by anyone except you.

Coupon-mad

zebrarose wrote: »

Coupon-mad
I'll start reading those threads- thanks very much.

Received PC from UKPC on 24/2/17- after reading the newbies section, I am under the impression I use the blue text template and send it to them tomorrow... right? Or do I wait for the NTK? But if my V5 address is incorrect, there is no point and I should just email them tomorrow.

Right, appeal on day 26 for that one, as registered keeper, using the template BPA members appeal from the NEWBIES thread.

And separately, you MUST update your V5 or you could get a real 4 figure fine from the DVLA.

zebrarose

I honestly had no idea that my V5 had to be up to date as well!

@DCFC79 my credit score is will need to be accessed for references by letting agents etc. I've already failed one reference check because of the CCJ and have my house packed up with nowhere to go