Stealth CCJ registered against me...

Comms69

Arleen wrote: »

If the old address is the one where the car is registered, and you still are the registered owner of the car the chance of having it set aside (and thus removed from your credit file) are virtually zero. If something of what I've said is not correct, there may be a way.

That's simply wrong on every level.


1: the OP is the registered keeper, not registered owner (there is no ownership database)
2: The fact of the defence indicate the likelihood of the set aside, not whether the address was correct. If the OP has a defence, which often there is in private parking cases, then a set aside may succeed

pappa_golf

parking companie3s can only get the keepers name ONCE from the DVLA , in the case of a private ANPR type ticket , within 14 days , in the case of a ticket placed on the car , not before day 28 and must do it by day 56

what is happening with all those de3fault CCJ s is that people are moving home , updating info with the DVLA , but the parking cos cannot do further checks with the dvla , a default CCJ can happen anytine within 6 yrs


mail fowarding ? , yes but thats for a max of (I think) 2 yrs

its the system that is wrong , where they do not have to do a trace before issuing court papers

harrynice

Ok all, so, I have had an update!

Spoke to NCCBC this morning, and they advised that as long as the claim had been paid in full (it has been) by the 9th Feb, the CCJ would be removed from my report (though it may take up to a month or more, depending upon how quickly the solicitors process it). In the meantime, I can pay £15 for a certificate stating that the matter is settled in case I need to apply for any kind of credit affecting service.

The awful thing about all of this is that regardless of how well we manage our credit (my experian score was 995 for several years), something like this can loom up and destroy years of hard work in the blink of an eye, and if it does happen, it can be very difficult to obtain any information or speak to anyone who can help you.

I am particularly disgusted with Gladstone's Solicitors (gladstonesolicitors. co.uk), who seem to be profiting from a very seedy practice, and have created a system whereby it is impossible to proactively contact them for any reason.

I wonder how many others have been subject to this?

Thank you to everyone who provided guidance!

Shakin_Steve

Nice to see such patience and persistence, Harry. Glad you got to the bottom of it.

[Deleted User]

The awful thing about all of this is that regardless of how well we manage our credit (my experian score was 995 for several years), something like this can loom up and destroy years of hard work in the blink of an eye, and if it does happen, it can be very difficult to obtain any information or speak to anyone who can help you.

You should know how irrelevant the "scores" are, and it's the history that matters.

Coupon-mad

harrynice wrote: »

If the old address is the one where the car is registered, and you still are the registered owner of the car the chance of having it set aside (and thus removed from your credit file) are virtually zero.

Had a feeling that might be the case, but will look into what options there may be.

You should have asked on the parking forum. That was NOT the case, completely wrong advice. Wrong forum.

What a shame you were wrongly advised. The chances of being refused a set aside for a scam PPC 'ticket' was virtually zero, because there is most often little evidence, no detail, no debt, no liability and the PPC doesn't turn up.

National_Debtline wrote: »

Hi there,
At the moment I appreciate that all you will have is the name of the court, the claim reference, the balance of the judgement, the date and it's status (i.e default). To find out who the claimant is you have to speak to the court (there is no way around that I am afraid). Here is all of the contact information for Northampton County Court Bulk Centre (hopefully one of these numbers or email addresses should help you) - https://courttribunalfinder.service.gov.uk/courts/county-court-business-centre-ccbc I appreciate that time is of the essence, but writing to them is a last resort.


It is difficult to say what this debt could be for and without knowing what the debt is, it is impossible to make a decision about what to do. But, I will mention that if you pay a judgement in full within 1 month (28days to be on the safe side) then the CCJ will be removed from your credit file. After that, even if you pay it, it will show for 6 years from the date of judgement.


Laura
@natdebtline

Hi Laura,

Not impossible to work out; it was a private parking ticket, as they very often are for around £200-£300 where a person is unaware of any 'account' or default (because there is none). Please consider that first, and please direct victims to the right sub-board where we could have dealt with this for free.

you would also need legal advice on this application and that can also cost money.

No, they wouldn't! Legal advice for a simple set aside application v a useless robo-claim parking firm with no evidence?

This is MSE and the right forum for these PPC scam CCJ cases advises on how to do this all the time, without fuss, or costs, and often the victims get their £255 back (refunded along with their other reasonable costs if the Judge orders it when the CCJ is set aside).

No having to pay the Private Parking Company (PPC).

The only extremely longshot option is for them to agree to a set aside. But for that you will need to be one hell of a talker, besides offering to pay the debt in full.If they will agree, you still will have to pay 255 quid for the set aside application, but then they will file in that they agree and the entry is !!!!!!.

Not true.

Only one parking case I can remember, had a Set Aside application actually (astonishingly) turned down in 2017 on the sub-forum, and they didn't have to pay the PPC, no-one does unless they lose in the end (rare) and it is NOT a DEBT!

You don't have to get the claimant's 'agreement' to a £255 set aside application, You must be thinking of an uncontested one, that's different. The one person who failed to get their parking CCJ set aside, in that case I mentioned, had an awful Judge - clueless - and they are appealing that mistaken decision AND they took another case right to a hearing in the meantime and won, and claimed £1500 in costs on an indemnity basis, for unreasonable conduct of the Claimant.

Yep. £1500 awarded to the MSE poster, and the claimant appealed those high costs, and were refused.

On the parking forum we even have 99% win rate in court, when people are aware of the claim, and where they fight it with full forum backing & advice throughout. Just TWO lost in 2017, out of hundreds fully-coached from defence right through to hearing.

No legal advice needed (although we do have two solicitors and several legally-qualified regular posters over there). Hate to see wrong advice making out that set asides of parking scams are difficult.

They are not a shoo-in, but almost, when you know how.

harrynice

Well, all I can say is that I wish I had gone to the right forum for this post. Never having been in this position and being unaware of what to do made me panic I suppose.

I still have a problem though: despite having paid in full, the :solicitors' firm haven't advised the court yet and I am completely unable to contact them and find out what is happening...

pappa_golf

you get a cirtificate from the court to say its paid then pass that to the credit bases , the solisitors wont help , they are paid and happy now


again , go to the parking ticket forum , link to this thread for details and ask on parking forum