Parkingeye County court judgement

Moneymike

I realised that that my credit score had fallen dramatically by a county court judgement from a parking ticket I received from Parkingeye. As I have moved house in the last few months there are a few letters which I have taken a while to respond to, one bing the claim form. I have called up the courts to understand what my options are and I can either set aside the claim which would be at a greater cost that the amount that Parkingeye are asking for or I  could pay the £175 that is being asked and my name is taken off CCJ register. I tried to pay the £175 on the phone and I am being asked to pay £190. Is there a reason why Parkingeye are asking for more than the amount on the claim form. I am also conscious of the time as I have til the 8th of October to pay the amount being ask from Parking before it is permenatly on my credit file. 
Could anyone advise me on the options I have now?

Redx

only Parking Eye can tell you why its £15 more, its not like they come here and open their books so we can see all their charges

the NEWBIES faq sticky thread has advice on CCJ,s and set asides, plus I have just added some facts in this CCJ thread posted before yours

https://forums.moneysavingexpert.com/discussion/6191831/i-got-a-county-court-judgment-ccj-by-vehicle-parking-service-ltd-vcs-in-my-credit-score#latest

if you won a contested set aside at subsequent court you might get your £255 back , but a £100 consent set aside means you pay everything, after asking PE for consent

or you pay before the deadline, IN FULL , to avoid your credit rating being trashed

KeithP

Plenty of people in your situation.

Look around. The thread right next to yours (at this moment in time) by ALP10 might be worth reading for a start.

D_P_Dance

Their signs are not the full shilling imo, read this

https://forums.moneysavingexpert.com/discussion/5972164/parking-eye-signs-oxford-road-reading

Coupon-mad

Are you certain the judgment was only dated last week?  Paying off the sum doesn't wipe the CCJ unless the order was less than 30 days before, are you sure or are you looking at the date it shows on your credit file...may not be exact?

If not within 30 days, do NOT pay it off, you can apply to set the CCJ aside.  This is explained in the 2nd post of the NEWBIES thread.

AND - please now make a real difference - A TASK FOR SEPTEMBER.

The Government is (this month only) consulting about a new statutory code of practice (CoP) and framework to rein in the rogue parking firms.  Read and comment on the draft CoP proposal and the enforcement framework consultation, and get everyone you know to do the same.

You will need to register to comment on the CoP and enter an occupation even if you are retired or a homemaker, but otherwise it is easy to navigate, and comment upon each section/subsection individually. You can save comments to edit later and or submit comments once you are happy with them.

https://standardsdevelopment.bsigroup.com/projects/2020-00193#/section

You do not need to register to comment on the enforcement framework which can be found here. It has a link on page 5 to make comments.

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/913272/Code_Enforcement_Framework_consultation.pdf

At the very least, we say the parking charge level should be £50/£25 or higher level £70/£35, as per Council PCNs in E&W.  

And we say the added fake 'debt recovery' costs are just double counting the cost of letters, and MUST GO because that is unfair and illegal.

Please be heard.  You can bet the hundreds of PPCs will be commenting.

No apologies for repeating this vital 'call for action' to consumers, on every thread this month!

Moneymike

Coupon-mad said:

Are you certain the judgment was only dated last week?  Paying off the sum doesn't wipe the CCJ unless the order was less than 30 days before, are you sure or are you looking at the date it shows on your credit file...may not be exact?

If not within 30 days, do NOT pay it off, you can apply to set the CCJ aside.  This is explained in the 2nd post of the NEWBIES thread.

AND - please now make a real difference - A TASK FOR SEPTEMBER.

The Government is (this month only) consulting about a new statutory code of practice (CoP) and framework to rein in the rogue parking firms.  Read and comment on the draft CoP proposal and the enforcement framework consultation, and get everyone you know to do the same.

You will need to register to comment on the CoP and enter an occupation even if you are retired or a homemaker, but otherwise it is easy to navigate, and comment upon each section/subsection individually. You can save comments to edit later and or submit comments once you are happy with them.

https://standardsdevelopment.bsigroup.com/projects/2020-00193#/section

You do not need to register to comment on the enforcement framework which can be found here. It has a link on page 5 to make comments.

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/913272/Code_Enforcement_Framework_consultation.pdf

At the very least, we say the parking charge level should be £50/£25 or higher level £70/£35, as per Council PCNs in E&W.  

And we say the added fake 'debt recovery' costs are just double counting the cost of letters, and MUST GO because that is unfair and illegal.

Please be heard.  You can bet the hundreds of PPCs will be commenting.

No apologies for repeating this vital 'call for action' to consumers, on every thread this month!

I don't quite follow what you mean by "Are you certain the judgment was only dated last week?" On my credit report it states a CCJ or trust deed added - on the 8th Sept with the amount and Court name being County Court Business Centre. I called up the courts and informed me that it is standard practice for it to show on my credit report but I did have the option of paying the Judgement Amount before the 8th of October 2020 and it would be taken off and wont affect my credit score going forward. I was also informed of setting aside the judgement but this cost more than the Judgement amount and has no guarantees from being set aside from what I have heard. 

Are you saying if I paid the debt my credit score would still be affected?

I have not paid the amount yet but do wish to so this weekend to avoid ruining my credit score for the next 6 years. Please advise

Coupon-mad

Are you saying if I paid the debt my credit score would still be affected?

I have not paid the amount yet but do wish to so this weekend to avoid ruining my credit score for the next 6 years. Please advise

Not at all, I said to double check the date of judgment.:

''Paying off the sum doesn't wipe the CCJ unless the order was less than 30 days before.''

Same as you were told by the court.  Pay it now and it will be wiped, you are in time.

Then get your revenge:
You are surely going to also do the Government consultations to stop this ever happening to people again?  This is a scam and you were caught, so be heard and make change.  Here are some more instructions, as people are finding this does need you to set aside an afternoon!

HOW TO DO THE SUBMISSIONS:

Responses into the PAS 232 and MHCLG framework documents are not completely straightforward:

On the MHCLG response, you have to answer the questions on a 1-5 scale from strongly agree to strongly disagree, and then put some commentary. No way to upload documents or alternatives.

 On the PAS 232, you have to click on each clause and sub-clause to put your comments, and a suggested rewording of their draft.  You can see comments which other people have written! 

 But, when you click ‘submit’, a message pops up to say your comments have been received, but that only applies to the particular clause you have just addressed.

You have to click ‘submit’ separately for each individual clause response.

Some people will be caught out by this but can revisit it and add further responses up to 12 October.

Things to think about:

A Speeding fine is £100.  A Local Authority lower rate parking penalty is £50.  Which do you think a private PCN should be like?

Getting a CCJ to an old address is a known scam by parking firms:

http://parking-prankster.blogspot.com/2016/12/government-announce-ccj-review-due-to.html#:~:text=23 December 2016-,Government announce CCJ review due to parking companies exploiting legal,issuing claims to wrong addresses.

https://www.gov.uk/government/news/new-measures-to-protect-consumers-from-debt-claims

So, do you think the draft Code and Wider Framework proposals go far enough, when you sit down and read them?  Tell the Govt what happened to you and who you think there should be more protection against these CCJs sneakily obtained at old addresses.

Moneymike

Coupon-mad said:

Are you saying if I paid the debt my credit score would still be affected?

I have not paid the amount yet but do wish to so this weekend to avoid ruining my credit score for the next 6 years. Please advise

Not at all, I said to double check the date of judgment.:

''Paying off the sum doesn't wipe the CCJ unless the order was less than 30 days before.''

Same as you were told by the court.  Pay it now and it will be wiped, you are in time.

Then get your revenge:
You are surely going to also do the Government consultations to stop this ever happening to people again?  This is a scam and you were caught, so be heard and make change.  Here are some more instructions, as people are finding this does need you to set aside an afternoon!

HOW TO DO THE SUBMISSIONS:

Responses into the PAS 232 and MHCLG framework documents are not completely straightforward:

On the MHCLG response, you have to answer the questions on a 1-5 scale from strongly agree to strongly disagree, and then put some commentary. No way to upload documents or alternatives.

 On the PAS 232, you have to click on each clause and sub-clause to put your comments, and a suggested rewording of their draft.  You can see comments which other people have written! 

 But, when you click ‘submit’, a message pops up to say your comments have been received, but that only applies to the particular clause you have just addressed.

You have to click ‘submit’ separately for each individual clause response.

Some people will be caught out by this but can revisit it and add further responses up to 12 October.

Things to think about:

A Speeding fine is £100.  A Local Authority lower rate parking penalty is £50.  Which do you think a private PCN should be like?

Getting a CCJ to an old address is a known scam by parking firms:

http://parking-prankster.blogspot.com/2016/12/government-announce-ccj-review-due-to.html#:~:text=23 December 2016-,Government announce CCJ review due to parking companies exploiting legal,issuing claims to wrong addresses.

https://www.gov.uk/government/news/new-measures-to-protect-consumers-from-debt-claims

So, do you think the draft Code and Wider Framework proposals go far enough, when you sit down and read them?  Tell the Govt what happened to you and who you think there should be more protection against these CCJs sneakily obtained at old addresses.

Sure I will make the submission to help out. This is the first time where I have been unfortunate to get one over the PPC and it sickens me how these parking companies are exploiting people. It hurts cos this is money I don't currently have to be giving out.

Coupon-mad

Good to hear you will do this to make a difference in future.  People like you are victims of a horrible scam and the risk of default/secret CCJs to old addresses - by parking firms as a major offender - must be stopped. 

One improvement could be that Letter before Claims (and also an alert about a claim form being posted to xxx address) must also be emailed to the victim, in the many cases where PPCs do have an email address for the person.  

Another idea is for the DVLA to update ALL ADDRESS DATA in future, when people change their driving licence address - i.e. to change or tell the person they need to know whether to change, the V5C for car(s) as well.   

But along with that, consumers would also need the DVLA rules to change to tell PPCs when an address changes over the months/years, or at least at LBC stage PPCs should be made to make a second enquiry.

Another idea - the DVLA should collect email addresses too and give those out with the keeper's address.

Just some thoughts; you may have more?   I can assure you that the MHCLG are listening and people will never get a better chance!