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Parking Fine CCJ - should it be on record?
benji7278_2
Posts: 3 Newbie
Hi All
I'm sure this will have been covered but there is somthing specific i am concerned about.
I recently looked into my Credit Score to see where i stood against a possible first time mortgage, What i found was a CCJ enforced on me on the 8th August.
I presume that details have been sent to my old address and i have not seen it, however, i have found all the particulars online, logged into the Parking Eye website to see the evidence, and its certainly me in the car!
So, i have paid in full. Directly to PE as that's what the information on the GOV site suggests. Now my concern is this... I have paid within 28 days, i understand doing so means it doesn't go on to my credit file for the next 6 years. But..... I found this on my credit site. It had effected my credit score already.
If the 28 days is a period to pay before it goes on to my file, then why is it there already?
Has anyone experienced this? I'm hoping that everyone is updated and that's the end of it and all is put back to normal. But id be lying if i said i wasn't worried..
Someone please calm these nerves!
Thanks
I'm sure this will have been covered but there is somthing specific i am concerned about.
I recently looked into my Credit Score to see where i stood against a possible first time mortgage, What i found was a CCJ enforced on me on the 8th August.
I presume that details have been sent to my old address and i have not seen it, however, i have found all the particulars online, logged into the Parking Eye website to see the evidence, and its certainly me in the car!
So, i have paid in full. Directly to PE as that's what the information on the GOV site suggests. Now my concern is this... I have paid within 28 days, i understand doing so means it doesn't go on to my credit file for the next 6 years. But..... I found this on my credit site. It had effected my credit score already.
If the 28 days is a period to pay before it goes on to my file, then why is it there already?
Has anyone experienced this? I'm hoping that everyone is updated and that's the end of it and all is put back to normal. But id be lying if i said i wasn't worried..
Someone please calm these nerves!
Thanks
0
Comments
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What is the date of judgement ? If you have paid within 28 days of that then it will be removed.0
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As above, if paid within 28 days of judgement, its automatically removed from your file.
If its not, then you need to follow it up and complain.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
From experience when it comes off it will be just like it was never there0
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Private Parking Tickets - Make sure you put your Subject Access Request in after 25th May 2018 - It's free & ask for everything, don't forget the DVLA
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A CCJ doesn't usually go on your file unless it hasn't been paid after 28 days i.e. too late for it to be made to disappear. It will go on as unsatisfied and then satisfied after you've paid it.
Get the details from Trust, not a third party like Experian.0
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