CCJ affecting my credit score

JaySH

Hello
I recently applied for finances on a new purchase and was rejected at first. I checked my credit report and found out I have a CCJ from 2021  from a private parking ticket. I didn't acknowledge any letters, but at some point I moved out and forgot about it. The CCJ was issued in 2021 and I was living somewhere else by then, so I never found out about this. It is affecting my credit score so ideally I would like to remove it.
I was not aware that private car parks can take you to court without you stating you were the driver of the vehicle. I always pay for parking, but I think I got a bit later or I exceed the courtesy period at the car park.
My mistake, but based on this do you think I can appeal it? What is your advice?

MorningcoffeeIV

Visit the motoring board to see what options you have, if any.

It doesn't matter if it's affecting your score - it's the CCJ itself which is the issue.

JaySH

I meant to appeal the CCJ  not the ticket. I guess the CCJ is the one affecting my score.

MorningcoffeeIV

See post 2. Visit the motoring boards for options. And again, the score isn't a problem. It's the CCJ.  

macman

On what grounds would your appeal be based?
Your score is a fictitious number that lenders don't even see: what matters is your credit history-which is why the CCJ matters.

penners324

Seems be a common misconception that private parking firms can't take you to court. 

They can and will

seatbeltnoob

penners324 said:

Seems be a common misconception that private parking firms can't take you to court. 

They can and will

after they outlaws clamping they gave private parking companies more power to persue these fines in court. which is fair imho.

Everyone seems to be going on old information. I know someone who has absolutely horribble finances still parroting "just ignore tickets".

Yes many parking firms might not bother, but many others will. They may bave been lucky by ignoring tickets with some companies but others will take a harder line. 

MalMonroe

Hi, I definitely echo what MorningcoffeeIV has said above, do visit the motoring board, specifically -

https://forums.moneysavingexpert.com/categories/parking-tickets-fines-parking

There are some really very knowledgeable and helpful people on there who can give you advice. 

Coupon-mad and KeithP are two of them. Do pop over and have a look and good luck to you.   

JaySH

Sorry for the late reply. Many thanks to you all

FindMyWayBack

There was and still is a lot of bad advice about dealing with these things, the don't pay and protest gang have caused many people to end up with trashed reports.... as previously stated the motoring board will know better about appeals, but a CCJ from 2 years ago is unlikely to be removed, it will affect you for another 4 years before it drops off your file. Ignore silly scores it is your history that matters.