Credit File Impacts

moin214

Does any one who has lost a PCN appeal in court know if the decision appears on your credit file ? if yes does it also impact your credit rating ?

KeithP

Only if, having lost, you fail to pay the amount ordered by the court within the specified timescale - usually one month.

Is this question related to either of your other threads?

beamerguy

The CCJ Myth and fabrications by very dodgy
debt collectors and legals

https://forums.moneysavingexpert.com/discussion/5849106/the-ccj-myth-and-threats-and-lies-told-by-debt-collectors-and-ppcs-exposed&highlight=myth

moin214

Yes it is. We lost the case and paid the amount before the due date set by the court. However the judgement seems to be appearing on my credit file (under public records section) and has definitely -vely impacted my credit score.

The_Deep

This is an entirely unregulated industry which is scamming the public with inflated claims for minor breaches of contracts for alleged parking offences, aided and abetted by a handful of low-rent solicitors.

Parking Eye, CPM, Smart, and another company have already been named and shamed, as has Gladstones Solicitors, and BW Legal, (these two law firms take hundreds of these cases to court each year). They lose most of them, and have been reported to the regulatory authority by an M.P. for unprofessional conduct

Hospital car parks and residential complex tickets have been especially mentioned.

The problem has become so rampant that MPs have agreed to enact a Bill to regulate these scammers. Watch the video of the Second Reading in the HofC recently.

http://parliamentlive.tv/event/index/2f0384f2-eba5-4fff-ab07-cf24b6a22918?in=12:49:41

and complain in the most robust terms to your MP. With a fair wind they will be out of business by Christmas.

Redx

moin214 wrote: »

Yes it is. We lost the case and paid the amount before the due date set by the court. However the judgement seems to be appearing on my credit file (under public records section) and has definitely -vely impacted my credit score.

did you get proof of payment from the claimant and ask the court to strike it from the public register ?

KeithP

moin214 wrote: »

Yes it is. We lost the case and paid the amount before the due date set by the court. However the judgement seems to be appearing on my credit file (under public records section) and has definitely -vely impacted my credit score.

My understanding is that the commercially available registers sometimes take up to a month for changes to appear.

The registers at www.trustonline.org.uk should be updated in a more timely manner.

moin214

Have not done that. Will get a receipt and request the court to do this.

moin214

Hello Keith, The payment was done in March. So its been more than 2 months now since the payment was already made. So should not have ideally appeared on the credit file.