County court claim form from excel parking services

Coupon-mad

it’s a total mind field.

Mine field?

I have heard of people having the CCJ last 6 years on their credit file?

Of course...by not paying it within 30 days of judgment but that would NOT be you. You will defend the case with our help and have a 99% chance of winning the case and no risk if you lose as you know what to do to avoid any CCJ risk remaining.

Have you done this now (post #10 by KeithP)?

Tomorrow I suggest you ring the CCBC, phone number on your Claim Form, and get them to confirm that your AoS has been accepted.
You can check that by logging on to MCOL and looking at claim history.

As explained in post #2 of the NEWBIES thread, send a Subject Access Request to Excel - email address:dataprotection@excelparking.co.uk

You also need to make sure that everyone that needs to has your current address - that's Excel, their solicitor(if any), and the CCBC.

And relax as you KNOW this is true and so do we (it's why we do what we do!):

Do the AoS now - today - this evening - NOW!!

There is no need to send any paperwork anywhere. Do the AoS online.

You will not get a CCJ. Full stop.

There will be no "credit file repercussions".

By defending, even if you lose, you will not get a CCJ.

So let's see your defence draft by the end of the week at the very latest. Again that involves no sweat as everyone can copy bargepole's concise defence and add your own facts at #2 and Bob's your uncle, defence done in less than an hour!

Quentin

onlyfoolsandparking wrote: »

But only if you DONT pay the judgement within the timescale ordered by the Court, if you pay the CCJ straightaway or at worst within ONE month it is NOT registered at all so #13 is incorrect.

No!

You get judgement against you if you lose!

That is a ccj which goes on the register immediately.

#13 is correct!

Coupon-mad

Yes we know, but it is wiped when paid straight away. IMHO no need to worry people.

Quentin

The OP is worried because a ccj registered against him has repercussions for him

He needs to know that a ccj does get initially registered, and I correctly have put him fully in the picture in #13!

Posts saying it won't be registered if he loses are mistaken!

Coupon-mad

Yes but it doesn't help to say a CCJ is put on the register of people lose as it is SO fleeting as to be a nullity. This OP needs to know they are SAFE to defend, and they are.

onlyfoolsandparking

Quentin wrote: »

No!

You get judgement against you if you lose!

That is a ccj which goes on the register immediately.

#13 is correct!

No you are not correct, a CCJ paid within 1 month is NOT entered on ANY credit file, it may be in a 'pending' situation within the Court perhaps THEIR register as you say but NOTHING is 'registered' with ANY CRA if it is paid IN FULL within the designated timescale (usually 30 days, 1 month whichever way you want to look at it)

Quentin

I know this is like tennis

But you are mistaken

We regularly get newbies who discover a ccj registered against them during the first month following the judgement

And whilst accepting CAB not always right in their advice on PPC invoices, this is from their guide to ccjs

If you pay the debt in full within 1 month of the date of the CCJ, you can apply to the court have your entry in the Register removed. ,.....If your entry is removed from the Register, the credit reference agencies will be told and details of your CCJ will be removed from your record..

onlyfoolsandparking

Quentin wrote: »

I know this is like tennis

But you are mistaken

We regularly get newbies who discover a ccj registered against them during the first month following the judgement

And whilst accepting CAB not always right in their advice on PPC invoices, this is from their guide to ccjs

Yes I agree we see newbies finding CCJ,s on their credit file but they are not found within the first 30 days as they are not entered within the first 30 days on any credit file or seen by any CRA, I fail to see how anyone can find?? a CCJ registered against them WITHIN the first 30 days when there's nothing there to find??, they usually find them well after the deadline they had to pay them UNLESS you can point me to a thread that shows different.


The CAB must be talking about Court registers with their 'pay within 30 days and ask for it to be removed' advice BUT even if that is the case, who sees it??? certainly not the CRA,s


I have read on the CRA,s own websites, pay off a 'pending' CCJ which appears to be only visible to the Court if that's what your saying?? within 30 days AND the CRA,s never see it, its as if it never even existed and has no impact on a credit rating which is what is important to the OP.

Quentin

The free CRAs don't update immediately. Often just monthly. Doesn't mean a ccj isn't available to be seen. (we often see threads where a set Aside has been successful yet weeks later it is still showing on the defendant's Noddle report

The paid for services businesses use does update daily

Thus they get info immediately on potentially bad credit risk customers etc.

(Anyone can look up anyone else's court ccj register entry!)

onlyfoolsandparking

Yes I agree they update monthly and I think we are probably both correct to slightly different questions within the same area, ie people getting CCJ,s


When I said who sees it, I would think anyone in receipt of a potential CCJ would get notification from the Court they have an impending CCJ which WILL be entered on their credit file UNLESS they pay it within 1 month but at that stage (date of Court hearing/outcome/judgement) the only people that would be aware of the impending CCJ would be the Court and the defendant/claimant, I don't believe the CRA,s see anything at this stage.


I stand by my comments that IF a defendant is issued with an 'imminent/pending CCJ, providing they pay the judgement within 1 month of issue date there is nothing even resembling a CCJ recorded on their file and that IMO is probably the most important part of dealing with any CCJ, keeping a credit file blemish free.


Where I am not 100% certain is whether the daily updated CRA,s can/do enter anything on a credit file as soon as they see it although I cannot see how they can enter a pending CCJ that may indeed be paid off within the allowable timescale or left to default, they must have to allow the 1 month timescale before reporting anything otherwise there would never be any point paying ANY judgement if your credit file was going to be trashed regardless.