LBC advice for driver who 'possibly accepted guilt'

kensiko

KeithP said:

kensiko said:

1. Can the legal team/PPC try to claim the £300 at any point in the future?  Or does a CCJ null and void everything?

Of course the Claimant can try to enforce the Judgment. There would be no point in a Judgment otherwise.

Have you confirmed with your friend that a Judgment has actually been made - by checking their MCOL Claim History?
Very unlikely that the Claimant forgot that, but worth checking.

Thanks for all the information.

I didn't realise what a CCJ was in full to be honest until I just had a quick look into it.
As I mentioned I've never got this far before and just thought a CCJ was just a note on your credit record for 6 years when a check is done.

I have looked at https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating and see you can actually pay within a month the monies owed and be removed from the register.

"If you pay the full amount within one month, you can get the judgment removed from the register.  Write to the court to say you’ve paid. You’ll need to send proof of payment from the person or business you owed money to."

This might be the best choice for my friend possibly even though they won't want credit ion the future, they just want this to be over with, and not be asked for the money in the future.

Paying neatly £300 instead of £35 would be frustrating, but it seems this would be completely removed from their record?

KeithP

But you still haven't confirmed that a Judgment has been made.

kensiko

KeithP said:

But you still haven't confirmed that a Judgment has been made.

I just actually signed up for them and have found this:



Should they receive this claim number?  At that point I would have thought it would have all been finalised so how would one go about seeing if anything has been added?

Sorry for the probably obvious questions, its the first time I've looked into this in any detail!

kensiko

Ignore all of the above, I am learning as I go along 

This is the screenshot when I put in the details from the claim:


It would appear the judgement was issued 10/07/23 - how annoying!

I will know look into this in detail to see what (if anything) can be done.

Thanks again.

B789

kensiko said:

I will know look into this in detail to see what (if anything) can be done.

As already mentioned, the only thing that can be done is to pay the CCJ within the 30 day limit and it is then expunged from their credit history.

Whilst you say that due to their age, needing credit is not an issue. However, a CCJ on your record can affect many other things such as insurance premiums for cars, building and contents and many other types of insurance. It can affect whether you can even get a mobile phone contract. There is a lot to consider about having a CCJ on your credit record for 6 years.

If it is paid after the 30 day limit, it is marked "satisfied" but remains on your record for the 6 years. That is still a marker that can affect credit and insurance premiums, mortgage rates etc.

Unfortunately, as your comment about your friend not having a clue about all this, is, just like the saying, "ignorance of the law is no defence". What is even more galling is that the UKPC/DCB Legal bottom-dwelling duo have manage to get the illegally added on damages that would have been refused had they lost but defended the claim. Even more galling is the fact that they received a single penny as you could guarantee, had it been defended robustly in time, they would have eventually discontinued and gone in search of someone more gullible.

Coupon-mad

He has a CCJ so cannot defend.  That's a shame.

Umkomaas

2. Apart from the obvious loans etc, can a CCJ effect anything else that they should be aware of?

https://www.masonbullock.co.uk/3-ways-a-ccj-can-ruin-your-life-and-what-to-do-about-it/

kensiko

Umkomaas said:

2. Apart from the obvious loans etc, can a CCJ effect anything else that they should be aware of?

https://www.masonbullock.co.uk/3-ways-a-ccj-can-ruin-your-life-and-what-to-do-about-it/

Thanks very much for this link, I will pass all this information on.

Coupon-mad said:

He has a CCJ so cannot defend.  That's a shame.

Yes, very frustrating!!

B789 said:

kensiko said:

I will know look into this in detail to see what (if anything) can be done.

As already mentioned, the only thing that can be done is to pay the CCJ within the 30 day limit and it is then expunged from their credit history.

Whilst you say that due to their age, needing credit is not an issue. However, a CCJ on your record can affect many other things such as insurance premiums for cars, building and contents and many other types of insurance. It can affect whether you can even get a mobile phone contract. There is a lot to consider about having a CCJ on your credit record for 6 years.

If it is paid after the 30 day limit, it is marked "satisfied" but remains on your record for the 6 years. That is still a marker that can affect credit and insurance premiums, mortgage rates etc.

Unfortunately, as your comment about your friend not having a clue about all this, is, just like the saying, "ignorance of the law is no defence". What is even more galling is that the UKPC/DCB Legal bottom-dwelling duo have manage to get the illegally added on damages that would have been refused had they lost but defended the claim. Even more galling is the fact that they received a single penny as you could guarantee, had it been defended robustly in time, they would have eventually discontinued and gone in search of someone more gullible.

Thank you for your detailed response, much appreciated.

I will unfortunately have to advise them to pay this before 10th August to get it removed.

I agree with your last statement entirely and my friend, who now understand the picture more, is annoyed (and embarrassed) they let it get to this stage.

Thanks to everyone that contributed to this thread.  It only took a few hours to unravel exactly what was happening due to all your advice and I now feel a bit more equipped if I see one of these at a later (but not this late!!) stage in the future.  Bring back the easy ones 

Coupon-mad

kensiko said:

Umkomaas said:

2. Apart from the obvious loans etc, can a CCJ effect anything else that they should be aware of?

https://www.masonbullock.co.uk/3-ways-a-ccj-can-ruin-your-life-and-what-to-do-about-it/

Thanks very much for this link, I will pass all this information on.

Coupon-mad said:

He has a CCJ so cannot defend.  That's a shame.

Yes, very frustrating!!

B789 said:

kensiko said:

I will know look into this in detail to see what (if anything) can be done.

As already mentioned, the only thing that can be done is to pay the CCJ within the 30 day limit and it is then expunged from their credit history.

Whilst you say that due to their age, needing credit is not an issue. However, a CCJ on your record can affect many other things such as insurance premiums for cars, building and contents and many other types of insurance. It can affect whether you can even get a mobile phone contract. There is a lot to consider about having a CCJ on your credit record for 6 years.

If it is paid after the 30 day limit, it is marked "satisfied" but remains on your record for the 6 years. That is still a marker that can affect credit and insurance premiums, mortgage rates etc.

Unfortunately, as your comment about your friend not having a clue about all this, is, just like the saying, "ignorance of the law is no defence". What is even more galling is that the UKPC/DCB Legal bottom-dwelling duo have manage to get the illegally added on damages that would have been refused had they lost but defended the claim. Even more galling is the fact that they received a single penny as you could guarantee, had it been defended robustly in time, they would have eventually discontinued and gone in search of someone more gullible.

Thank you for your detailed response, much appreciated.

I will unfortunately have to advise them to pay this before 10th August to get it removed.

I agree with your last statement entirely and my friend, who now understand the picture more, is annoyed (and embarrassed) they let it get to this stage.

Thanks to everyone that contributed to this thread.  It only took a few hours to unravel exactly what was happening due to all your advice and I now feel a bit more equipped if I see one of these at a later (but not this late!!) stage in the future.  Bring back the easy ones 

I hope you and the victim of this legalised extortion are ready & waiting to get revenge?

Please come back here in a couple of weeks for the final DLUHC draft Impact Assessment Consultation. Please read about it and be ready. Why should there be such a threatening litigation culture and escalation to £170 extortion?

Together, we can stop the rotten parking industry from riding roughshod over the new statutory Code and the charge level caps intended last year, but blocked by the greedy moneymen.

If you are not likely to pop back here to check, please set up email alerts for this forum and bookmark this thread (below) as we intend that one of us posts on it when the Government opens the Consultation:

https://forums.moneysavingexpert.com/discussion/6333989/mse-parking-ticket-appeals-guide-feedback#latest

Read only the latest (2022) posts there. The PPCs have blocked the new Code by filing for Judicial Reviews.

Stopped the much welcomed parking code from February 2022, which stated that added £60 or £70 false 'DRA fee' extortion was to be banned and that parking levels would start at £50.  It's all on hold...

Motorists urgently need the statutory Code reinstated and the ban on false 'DRA fees' confirmed, to stop the rot and the toxic litigation culture. This will be your chance to make a difference, plus other drivers you know (family, friends) who are also fed up with greedy and unscrupulous parking firms and the stranglehold they and their 'legals' have on people.

We need VERY high numbers of real victims to make a point of responding to this latest update from thd DLUHC.

Coming very soon - any week now - and it will be all over the forum for several weeks.  Don't miss it.  Your chance to change the law.

kensiko

I have been part of this community (albeit very quiet) over many years and helped a few people out.
The advice on here has been a godsend over so many threads.

I have followed the code of practice law that was passed but nothing seems to have changed.
Is this still a thing?  I don't understand the legal ramifications of it all to be honest.
https://www.legislation.gov.uk/ukpga/2019/8/enacted
https://www.gov.uk/government/publications/private-parking-code-of-practice
I thought by now this would have all been finalised but it seems not, although I have not kept completely up up to date with it all.

I have not heard of 'DLUHC draft Impact Assessment Consultation' but I will look into it.

I am only a very small part of this and help only friends and family out when they get these problems, but anything I can do I will certainly help with.