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Help please

DanielWh
DanielWh Posts: 12 Forumite
10 Posts
in Parking tickets, fines & parking
Hi all, I have read your stickies but I am still confused. I suffer fron anxiety and depression so I am asking for help and advice and not criticism.
I have received the attached in the post which goes back to an unscrupulous pcn in 2019. I contacted Peter Fisher at Parking Fines Ltd who was originally dealing with it with which I sent all the information to him about. He assured me that it was all being dealt with and I had to do nothing else.
Today I received the letter from Empira. Anyone who can help me with this I would be grateful as I am starting to panic a bit.

Many thanks

Daniel
«13

Comments

  • DanielWh
    DanielWh Posts: 12 Forumite
    10 Posts
    I have checked my crefit file and cannot see any ccj on there?
  • D_P_Dance
    D_P_Dance Posts: 11,592 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Read this

    https://forums.moneysavingexpert.com/discussion/6279267/empira-notice-of-enforcement/p1
    You never know how far you can go until you go too far.
  • tacpot12
    tacpot12 Posts: 9,397 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    The CCJ will not be registered for at least 30 days after the judgement is made, and if you pay within 30 days of the judgement being made, the CCJ will never appear on your credit records.

    If you wanted to defend the court action, but didn't receive any nofication of it, you may be able to have the judgement set aside,  but only if you can persuade the court that you had a defence that you wanted to put to the court. 

    For the cost of the debt demanded now, you should consider whether paying it could be a good option for you. If you are within the 30 days of the judgement, it might be easier to pay than fight. 

    If you have home insurance with legal expenses cover, give the legal helpline a call for advice. 
    The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.
  • DanielWh
    DanielWh Posts: 12 Forumite
    10 Posts
    tacpot12 said:
    The CCJ will not be registered for at least 30 days after the judgement is made, and if you pay within 30 days of the judgement being made, the CCJ will never appear on your credit records.

    If you wanted to defend the court action, but didn't receive any nofication of it, you may be able to have the judgement set aside,  but only if you can persuade the court that you had a defence that you wanted to put to the court. 

    For the cost of the debt demanded now, you should consider whether paying it could be a good option for you. If you are within the 30 days of the judgement, it might be easier to pay than fight. 

    If you have home insurance with legal expenses cover, give the legal helpline a call for advice. 

    Thank you for the reply, how do I know the date of the judgement?
  • Le_Kirk
    Le_Kirk Posts: 25,083 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Call the CCBC in Northampton and ask them when the judgment was issued; the ref number 101295 refers.  The number is shown in your letter.
  • DanielWh
    DanielWh Posts: 12 Forumite
    10 Posts
    Le_Kirk said:
    Call the CCBC in Northampton and ask them when the judgment was issued; the ref number 101295 refers.  The number is shown in your letter.

    Still trying to get through
  • Redx
    Redx Posts: 38,084 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    DanielWh said:
    Le_Kirk said:
    Call the CCBC in Northampton and ask them when the judgment was issued; the ref number 101295 refers.  The number is shown in your letter.

    Still trying to get through
    They close at 4pm , try tomorrow after 9am
  • DanielWh
    DanielWh Posts: 12 Forumite
    10 Posts
    What about the letter stating paid in full in 14 days? I only received it today and it is dated 14th September!
  • Redx
    Redx Posts: 38,084 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 20 September 2021 at 5:21PM
    DanielWh said:
    What about the letter stating paid in full in 14 days? I only received it today and it is dated 14th September!
    No Idea until you check that reference with the CCBC

    You need a copy of the judgment , and show us a redacted copy of that judgment

  • DanielWh
    DanielWh Posts: 12 Forumite
    10 Posts
    Ok thanks, will the CCBC supply a copy of the judgment upon request?
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