Statue barred help/advice

sourcrates

Any court judgement will show in the public information section of your credit file, check there first.

Have you moved recently, could papers have gone to an old address?

fatbelly

They appear to have successfully sent you the preaction letter and several warning shots.

Yet according to them they have sent a court claim (presumably to a wrong address), it wasn't defended and so you now have a ccj.

Is anything showing on your credit reports?

They are either straight-out lying or using the dodgy practise often seen in private parking claims.

If the latter there is a very good letter linked to on the NEWBIES thread on the parking board

Taylorbees65

Nope had same address for 24 years , just checked my ClearScore and absolutely nothing regarding anything legal ccj etc 

Taylorbees65

Forgot to add this was only received by email not post 

sourcrates

It could be these emails are a generic template, of a "one size fits all" nature.

Or as fat belly puts it "the dodgy practise often seen in private parking claims".

In all likelihood, you probably don`t have a judgement against you, and this is all to move emphasis away from the fact that its a statute barred debt.

See what happens next, keep an eye on your credit file for updates (CCJ) if they have obtained one, you can apply to have it set aside, but lets not jump the gun here.

Emails can be ignored, only a letter requires a response.

Taylorbees65

Thank you 

Taylorbees65

So Monday morning I received a CCJ from the court , very angry to say the least . Had no claim form , nothing ! What do I do now ? The court need to know the underhand tactics that have gone on , no payments in the last 6 years sort from one they made up . So angry 

sourcrates

Oh, not good, look to have it set aside, see here-

Set Aside a County Court Judgment ( CCJ ) - LegalBeagles

fatbelly

Dodgy practice, like the parking firms. You'll have to read till you find it but it's in the second post here

https://forums.moneysavingexpert.com/discussion/4816822/newbies-private-parking-ticket-old-or-new-read-these-faqs-first-thankyou

Taylorbees65

Read all the info Thanks .

So it will cost me £ 275 but I could still lose and be even further out of pocket ?

This sucks . I asked them for a copy of credit taken out they never sent it , asked for prof of the sc called £ 2.21 payment they never sent it

Just feel absolutely cornered and in a no win situation