Can I ignore CCJ from 5 years ago?

Mitsos17

Hi all,

This is a follow up to my post from 6 (!) years ago: https://forums.moneysavingexpert.com/discussion/5630178/excel-pcn-questions-about-appeal-wrong-ntk-details

Summary:

• April 2017: I got a PCN from Excel Parking, I appealed and the appeal was obviously rejected.
• January 2018: I changed address, but I cannot remember if I did notify them about my new address. I notified DVLA of my new address but I cannot recall when.
  
• May 2023: Fast-forward 5 years later, I had completely forgotten about this and I assumed they dropped it, until I got a "Notice of debt recovery - Unpaid CCJ £185" letter from DCBL a week ago. They state I have 14 days to pay or call them to discuss repayment. It says this case is not subject to High Court or bailiff action. I went online and there is indeed a CCJ on my name from CCBC from April 2018, which obviously they won since I never received any court papers (I assume they were sent to my old address), so I lost by default judgement.
  

Now, I have read the other similar threads (@Jack5656 etc.) where the advice is to set aside the CCJ and I truly believe I can win the case at the court (you guys do an amazing job and offer excellent support - no doubt about that !!). However, I know I will at best get back the set aside fee and not any train ticket costs, plus I will have to spend a significant amount of time to prepare for my defence and one day at court. That's probably more than £185 in wages, as I am paid by the hour.

I obviously don't want to pay the scammers, so my question is what happens if I ignore DCBL's letters, since I am only 10 months away from the CCJ being removed from my record?

Coupon-mad

I think @Grizebeck will say that if this is under £600, nothing will happen.  Just letters.

KeithP

"train ticket costs"?

If there were to be any hearing, it would be at your local County Court.

Mitsos17

KeithP said:

"train ticket costs"?

If there were to be any hearing, it would be at your local County Court.

I didn't know that but still, my point is that I will end up being out of pocket, even if I win the case. Since it's only 10 months left, would it be wise to just ignore them?

Grizebeck

@Coupon-mad pointed do nothing, zilch
It will drop of

B789

Unless you need to apply for any credit within the next 10 months, just do as Grizebeck has stated. You've lasted this long without even knowing about a 5-year-old CCJ which probably means you have not had to apply for any credit in that period. If, for example, you have a mobile phone contract, I assume you have had the same contract for longer than 4 years and 10 months.

Mitsos17

I checked and I did have some credit checks last year, but apparently they were successful even with the CCJ on my record.

I just got a new letter from DCBL today which reminded me I had forgotten to respond in this thread!

Thank everyone, I guess I will just ignore them then.

Coupon-mad

And join us for the Public Consultation!  Need to stop this happening to anyone else.

Mitsos17

Coupon-mad said:

And join us for the Public Consultation!  Need to stop this happening to anyone else.

I just haven't researched the subject as much as some of you guys have, but I guess you've always got to start from somewhere..!

BTW, I received another letter from DCBL but now it's titled:
"NOTICE OF INTENDED ENFORCEMENT ACTION - UNPAID COUNTY COURT JUDGEMENT £185.00"

It says they have recomended to their client to begin enforcement action against me. Is this just a thread, or there is a chance they'll take me to court again?

Grizebeck

No it's hot air

Mitsos17

Grizebeck said:

No it's hot air

Thank you, that puts me at ease!