Ccj

Aylesbury_Duck

You're not going to be able to wriggle out on an address technicality. Yes, the judgement is in your name but they've contacted you at the address you gave them. I'd focus on the other advice in wgl2014's post and the FAQs you've been signposted to. The address situation is incidental.

Nicola_sharman

I need some advice re a ccj. It was given to me from a private company and I just ignored it which is what I thought was the right thing to do. I am paying the fine monthly plus a card fee. Can I get this ccj removed as I was always told the private companies can't legally fine you. But I need to get ccj removed as it will badly affect my credit rating

Aylesbury_Duck

Nicola_sharman wrote: »

I need some advice re a ccj. It was given to me from a private company and I just ignored it which is what I thought was the right thing to do. I am paying the fine monthly plus a card fee. Can I get this ccj removed as I was always told the private companies can't legally fine you. But I need to get ccj removed as it will badly affect my credit rating

Have a read of the FAQs in the parking forum and if you don't find the answer, start your own thread there, you'll get more help than asking on someone else's thread.

Quentin

Nicola_sharman wrote: »

I need some advice re a ccj. It was given to me from a private company and I just ignored it which is what I thought was the right thing to do. I am paying the fine monthly plus a card fee. Can I get this ccj removed as I was always told the private companies can't legally fine you. But I need to get ccj removed as it will badly affect my credit rating

You have a ccj registered against you for 6 years once a month has passed from the date of judgement.

When you finally pay it off you can get the ccj marked "satisfied" to indicate you paid it but your credit status does remain blighted.

Quentin

Mk130719 wrote: »

Of course it concerns me but isn't the judgement under my name?

I'd rather pay if it's going to affect my parents in any way.

Would love to get a defence together but think I've left it too late.

Read up on getting s ccj set aside which is another option to consider

Ectophile

Nicola_sharman wrote: »

I need some advice re a ccj. It was given to me from a private company and I just ignored it which is what I thought was the right thing to do. I am paying the fine monthly plus a card fee. Can I get this ccj removed as I was always told the private companies can't legally fine you. But I need to get ccj removed as it will badly affect my credit rating

It's not a fine; it's a bill. They will claim the terms of the contract were set out on the signs in the car park. You didn't pay the bill, so they took you to court. You either didn't defend the case, or lost it, so the court now says you owe them the money.

You could appeal, but it would probably cost you more than the money you owe.

fatbelly

Mk130719 wrote: »

Hi

Sorry if I'm posting in the wrong section.

I received a CCJ order in my name at my parents address (this was the address I used when appealing to The car parking company).

Anyway the letter was received later than the date advised and 14 days has passed.

Can I still request an extension to 28 days?

Also does it make a difference that they have written to my parents address where I am not registered?

Getting rather nervous so would appreciate some help please.

Regards
MK

By the sound of it you've received a claim form, not a judgement.

Look at the issue date. The service date is deemed to be 5 days after this.

Now add 14 days. That is the latest day that you can acknowledge service and get an extra 14 days to enter a defence or part-defence.

You can do this online.

If 14 + 5 days have passed, you are out of time and will be receiving the ccj soon as the claimant requests a 'judgement in default'

Quentin

fatbelly wrote: »

If 14 + 5 days have passed, you are out of time and will be receiving the ccj soon as a 'judgement in default'

Not necessarily.

A default judgment isn't automatic.

The claimant needs to request judgement.

If they haven't done so yet and you get a defence in before they do then that will prevent s default judgment.

If you are within the 14 days from service allowed to do an acknowledgement then do that immediately and get another 14 days to prepare a defence

agrinnall

Manxman_in_exile wrote: »

If you ignore it, isn't there a danger it will affect your parents' credit rating? You gave their address after all.

No, a CCJ is applied to a person not an address, as is the case with all debt.

However, I do think the OP would be foolish to ignore it.

shaun_from_Africa

Mk130719 wrote: »

Final query as I'm not registered at my parents place, can I not just ignore it?

If only it was that simple.

Don't want to ever pay any debts ever again?
Just make sure that you give an incorrect address to the person that the money is owed to and even if they take you court and the court finds in their favour, you will never have to pay.