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CCJ from charge in 2016

crispyjay1987
Posts: 45 Forumite

Hi all
I was looking at loans over the weekend and while doing a credit check, I discovered that I had a CCJ on against me that I had NO idea about.
After doing a lot of chasing, it turned out that this had been for an unpaid parking fine (that I also didn't know about) from 2016.
It's currently sitting at £369 and the contact between myself and the courts is very sparse from their end and a lot of their appeal forms come with a lot of charges that I also can't afford.
Seeking any advice anyone can give me
Thanks
Chris
I was looking at loans over the weekend and while doing a credit check, I discovered that I had a CCJ on against me that I had NO idea about.
After doing a lot of chasing, it turned out that this had been for an unpaid parking fine (that I also didn't know about) from 2016.
It's currently sitting at £369 and the contact between myself and the courts is very sparse from their end and a lot of their appeal forms come with a lot of charges that I also can't afford.
Seeking any advice anyone can give me
Thanks
Chris
0
Comments
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You need to post in the private parking section of the motoring forum where the experienced regulars can guide you.
2 -
Bear in mind the ccj drops off your file after 6 years and if they're not pursuing it now, it's unlikely to be a problem after 6 years1
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If the CCJ is dated at any time in 2016 then it should have dropped off your file in 2022.
Was this a 'fine', or a private parking charge? Very different things.No free lunch, and no free laptop1 -
Parking companies do obtain CCJ`s against unpaid parking tickets, but most of the time the judgement just sits on file, and is not pursued.
If this is from 2016, surely it would have been removed by now ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
macman said:If the CCJ is dated at any time in 2016 then it should have dropped off your file in 2022.
Was this a 'fine', or a private parking charge? Very different things.sourcrates said:Parking companies do obtain CCJ`s against unpaid parking tickets, but most of the time the judgement just sits on file, and is not pursued.
If this is from 2016, surely it would have been removed by now ?TOP_CAT said:You need to post in the private parking section of the motoring forum where the experienced regulars can guide you.0 -
crispyjay1987 said:Hi all
I was looking at loans over the weekend and while doing a credit check, I discovered that I had a CCJ on against me that I had NO idea about.
After doing a lot of chasing, it turned out that this had been for an unpaid parking fine (that I also didn't know about) from 2016.
It's currently sitting at £369 and the contact between myself and the courts is very sparse from their end and a lot of their appeal forms come with a lot of charges that I also can't afford.
Seeking any advice anyone can give me
Thanks
Chris
https://search.trustonline.org.uk/Search/Person
So you are supposed to call the Court (you might need the ref number from the above service)
If the Court tells you it is a Council then I heard they are sold off (debt collectors still chase them whether valid or not) callers contact radio shows with longer than six years.
If it was a private parking company then who cares.
Please be nice to all MoneySavers. That’s the forum motto. Remember, the prime aim is to help provide info and resources. If you don’t like someone, their situation, their question or feel they’re intruding on ‘your board’ then please bite the bullet and think of the bigger issue. :cool::)1
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