Ccj we knew nothing about

sparky_1

In the past year both I and my wife have known our availability for credit has dramatically deteriorated.

I had been researching why for some months so knew what affects rating. I have been registered with Experian for quite some time.

My wife and I are working with a mortgage and a long history of good credit.

Over the weekend our credit situation became quite serious as we are not able to get even a zero offer on existing credit cards.

I have always suspected there was a factor I wasn't seeing affecting my deterioration in rating as I've never missed a payment with many successful loans and cards paid off.

Today my wife took my advice and checked her Experian credit file and to her horror found a ccj for a parking ticket from 6 months or so ago.

I questioned her on events and she said her company pays for all staff to have car park permit and occasionally she and other staff will find tickets on cars which are ignored but is pretty sure on this day she had gone to London but signed her space over to another staff which is allowed. But then on same day she forgot and parked in carpark also.

She received a private car parking ticket which she ignored as the last we knew car parking companies threatened inflated charges and should be ignored. They also regularly put tickets on cars owned by employees with valid permits from employers. They then sent a couple of typically threatening letters from PPC which she read and binned.

But that's the end of the matter and long forgotten about.

Then today discover a ccj on her file for this.

I am not as educated as you guys on these matters and I see that even with a permit to park in this case my wife may be liable for the ticket. But what strikes me is my wife is a P.A and is supremely organised. She insisted she has never received a letter from a court and would have absolutely taken it seriously and paid immediately to avoid damage to credit rating. This is suspicious to me. I don't see how a court ccj letter could have come through our door, passed in front of my wife's eyes and not be taken seriously.

She called the Northampton court who issued ccj. The lady confirmed the ccj, gave dates then was asked if letters were sent. The lady said "yes, one, the ccj claim form". I imagine this was the first letter notifying her of a claim against her and giving time to pay.

Wife asked how many letters in total, she responded one. I quickly skimmed a case online before posting and read "all is not lost if a court holds up a ccj claim against you as you can pay within 28 days and ccj not entered onto file". That would be a 2nd letter I assume informing of result of the case and informing have 28 days. If they only sent 1 letter how can they have sent a 2nd with case result and 28 days notification ?

And my wife is responsible with a history of great credit and insists she never received any letter from a court not a second or a first.

We have literally only discovered this ccj exists today on the off chance my wife checked her credit file. Surely it's not right that this has happened without my wife knowing a thing about it.

Please help

sparky_1

The company was Vehicle Control Services

Redx

Only a set aside can fix this , providing the CCBC in Northampton sent the court claim form , she should ask them for an emailed copy asap ,CSO you both will know when it was sent , plus name and address

If sent , more letters would be sent , including the CCJ notification , maybe a month later , so more than one letter

A SAR should be emailed asap to the claimant parking company , to their DPO (who is it ?)

Once the paperwork exhibits are with you , you can see which set aside to go for , assuming that the received CCBC claim form was not ignored. It's either £100 or £255 for a set aside , so read up on set asides , so not cheap

This needs sorting out quickly , so no sitting on it , start the process , but be sure of the facts , because one CCBC letter is incorrect , there is the claim form , followed by the CCJ , which you are saying never arrived , so why ? Check why , check the address , check your V5C is correct , get it out , do not assume

sparky_1

Hi

Many thanks for the reply, it sounds extremely helpful and I very much appreciate it.
However some terminology I don't understand. Can you just clarify a few things ?
What is the ccbc in Northampton ? I've just googled it and they have shocking reviews, massive phone queues and claims of fraud from many. But I don't know who they are or what they do

She "should ask" the ccbc in Northampton for an e-mailed copy of the claim form ?
Northampton county court today said only one letter was recorded as sent and said they couldn't send a copy. Is Northampton county court ccbc in Northampton ?
Are you saying there should have been a few letters communicating each stage in proceedings ? Do we have a dispute against them if it's confirmed they actually admit only sending one. How can we defend ourselves, fix the confirmed ccj without letters confirming result and informing us of action we can take ie pay within 28 days to prevent going on credit file. We are cheated out of a response to the judgement without follow up letters surely. If there's not more than the one letter, the claim form do we have a case ?
The claimant parking company DPO ? Who is this ? Can I find this information online.

If paperwork exhibits are with us and there is only one letter we still only have the option of adding a SAR to the ccj not removing it because insufficient communication taking away are right and chance to pay before ccj was put on file ?

"assuming that the received CCBC claim form was not ignored" every letter was ignored because we have not received any as far as we know. Only the initial parking companies which she was skeptical about.
"This needs sorting out quickly"
As we only discovered the ccj by chance today on a credit report check and it's over 6 months old I'm not sure it's possible anymore to sort it out quickly. We can act quickly now. But now is 6 odd months later.
The v5c, we actually changed cars last year when this happened but court says this happened in spring and wife sold car to new owners in September. It seems the answer to me but those dates seem too far away from one another.
Thanks so much for the insight and advice.

blackdog2220

Redx said:

Only a set aside can fix this , providing the CCBC in Northampton sent the court claim form , she should ask them for an emailed copy asap ,CSO you both will know when it was sent , plus name and address

If sent , more letters would be sent , including the CCJ notification , maybe a month later , so more than one letter

A SAR should be emailed asap to the claimant parking company , to their DPO (who is it ?)

Once the paperwork exhibits are with you , you can see which set aside to go for , assuming that the received CCBC claim form was not ignored. It's either £100 or £255 for a set aside , so read up on set asides , so not cheap

This needs sorting out quickly , so no sitting on it , start the process , but be sure of the facts , because one CCBC letter is incorrect , there is the claim form , followed by the CCJ , which you are saying never arrived , so why ? Check why , check the address , check your V5C is correct , get it out , do not assume

multiple cases on pepipoo same as this , no paperwork being sent from CCBC , when asked they are stating they no longer send second leter stating that you have a default , and in 2 cases where they have been asked directly , they are stating they can NOT sent out copy of claim form 
http://forums.pepipoo.com/index.php?showtopic=138430

http://forums.pepipoo.com/index.php?showtopic=138232&st=20

KeithP

The CCBC is a Government 'department' whose job is to administer many court processes.

Something similar to how DVLA centralises driver and vehicle records.

I don't think they will be too worried about 'shocking reviews'. The work they do could be seen by many to be 'unpopular'. 

I'll leave it others to comment on your use of the word 'fraud'.

Coupon-mad

Why not just read the CCJ set aside seciton of the NEWBIES sticky thread before asking anything else?

It's written for people in your shoes (no link given...sticky threads are at the top of the forum and you can do 'control & f' to find any phrase or word).

Redx

As above

Your partner spoke to the CCBC government office in Northampton , not the county court in Northampton , 2 different addresses , 2 different jobs , coincidence they are co located in a big city , as is the DVLA in Swansea

The former may have shocking reviews , as might the DVLA , but as it's government , who cares ?? It's still valid and easily googled to ascertain their role for England and Wales. Central Civil service office for civil court claims

The privacy page on the parking company website has DPO details for contacting them under the GDPR law  , you never told us the name of the parking company

You really need to read the first 5 posts of the newbies FAQ sticky thread near the top of the forum , third thread down , which answers the basics

You need copies of the paperwork in order to move forward , so on paper or in writing or emails

I fail to see how you can make a claim against a government office , please enlighten us

It is currently too late to defend yourselves , you need a paid for set aside first , a drawn out complicated process of red tape , great learning , frustration and angst

My post above was supposed to give you targets to research for yourself , not spoon-feed you , it was a quick round up of the main issues plus to correct some incorrect information you supplied in your opening post , to try to achieve some clarity

We will assist you , when you understand the topic , or try legal beagles , because this is a parking charge forum , not a legal advice forum , it's actually a consumer rights forum , you want proper legal advice , lawyers provide that service

sparky_1

KeithP said:

The CCBC is a Government 'department' whose job is to administer many court processes.

Something similar to how DVLA centralises driver and vehicle records.

I don't think they will be too worried about 'shocking reviews'. The work they do could be seen by many to be 'unpopular'. 

I'll leave it others to comment on your use of the word 'fraud'.

It wasn't my use of the word fraud it was a reviewer of the ccbc's use of the word fraud.

sparky_1

Coupon-mad said:

Why not just read the CCJ set aside seciton of the NEWBIES sticky thread before asking anything else?

It's written for people in your shoes (no link given...sticky threads are at the top of the forum and you can do 'control & f' to find any phrase or word).

Because I am completely new to this, I don't know any of the terminology thrown around and can only go on past experiences. My wife received a ccj without a single letter bring sent. I've read many cases of this happening and so my thoughts are that this must be s scam to get ccj's past through without trouble. So my instinct is to look into and prove their wrongdoing in either sending s letter to wrong address, only sending one when it seems a minimum of two should be required and finding someone to represent us that ccbc takes seriously so gives us records of letters sent which they currently refuse to give us and others in this exact situation. A set aside which I barely understand as I am completely new here doesn't seem like a way that will bring success as in calls to just about every helpline out there I was told s set aside isn't normally given in the case of someone saying letters didn't arrive and without any letters from ccbc or proof of any kind which would cost us £255 costs and other expenses when we lose.
This all may be completely wrong but I'm supposed to be wrong, asking stupid basic questions and trying to find my feet on this new environment. Why would I be anything else. Posters here are giving help which I am verbalising many thanks and appreciation for and yet I feel I'm being mocked for needing to be "spoon fed" or at my inexperienced ideas on this situation or the terminology bring used. I am trying to deduce if there is a case for no letters being sent, if only one letter sent is within the law. I don't believe I'm doing a thing wrong in order to try to find my feet in this situation and by asking questions. It's how you learn how things work in order to make educated ideas about which way to move forward with s good chance of success.
Even after my spoon fed questions I still don't know if I have a case for them, whoever that is not following correct procedure on only sending one, lying when they sent none.
I was subtly mocked for talking this way about s "government department but why is there another poster on exactly same boat as my wife with ccbc right now. No letters, refusal to send copies for proof of address. I have questions do I'm asking them and it gives off a really unfriendly vibe to be constantly told to go and read the thread, we don't want to spoon feed you. How insulting to a friendly new poster asking for help. 

sparky_1

Redx said:

As above

Your partner spoke to the CCBC government office in Northampton , not the county court in Northampton , 2 different addresses , 2 different jobs , coincidence they are co located in a big city , as is the DVLA in Swansea

The former may have shocking reviews , as might the DVLA , but as it's government , who cares ?? It's still valid and easily googled to ascertain their role for England and Wales. Central Civil service office for civil court claims

The privacy page on the parking company website has DPO details for contacting them under the GDPR law  , you never told us the name of the parking company

You really need to read the first 5 posts of the newbies FAQ sticky thread near the top of the forum , third thread down , which answers the basics

You need copies of the paperwork in order to move forward , so on paper or in writing or emails

I fail to see how you can make a claim against a government office , please enlighten us

It is currently too late to defend yourselves , you need a paid for set aside first , a drawn out complicated process of red tape , great learning , frustration and angst

My post above was supposed to give you targets to research for yourself , not spoon-feed you , it was a quick round up of the main issues plus to correct some incorrect information you supplied in your opening post , to try to achieve some clarity

We will assist you , when you understand the topic , or try legal beagles , because this is a parking charge forum , not a legal advice forum , it's actually a consumer rights forum , you want proper legal advice , lawyers provide that service

redx I shared the name of the parking company in my first post.
"Please enlighten us" my god what is this place. 
"You need copies of the paperwork in order to move forward , so on paper or in writing or emails" they wont give us any letters, emails, anything. Others experiencing same thing right now. I thought I'd already said that.
"We will assist you , when you understand the topic , or try legal beagles , because this is a parking charge forum , not a legal advice forum , it's actually a consumer rights forum , you want proper legal advice , lawyers provide that service" how condescending and arrogant. Once again, what kind of community is this. There is a very arrogant condescending tone amongst some regulars. I've seen this many times. You need to step back from your ego and listen to how you are talking to everyday people asking for help. I've heard enough from you. "We will assist you further if..." Awful, absolutely awful. How dare you speak to people like that.