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CCJ With No Previous Knowledge!
Hi all, I need some help/advice.
I've read the newbies post which was very useful, I've also spoken with NationalDebtHelpline.
My facts are:
On Friday night I realised my normally high credit score has massively dropped.
I found out through a credit score company that I had a default CCJ against me in April 2023.
I called NDL on Saturday who informed me of my options in regards to clearing my credit score, namely paying the company I owe or applying to set it aside.
On Monday I called the court who informed me that the debt was to Civil Enforcement Ltd for a PCN which occured on 24th March 2022 at a private ANPR carpark connected to Morrisons and was sent to my old address.
When I moved in 2020 I contacted the DVLA to confirm my new address, and received my updated license, however I forgot to update my V5C.
My V5C was issued on 20 April 2022.
My memories of the incident are foggy due to the time lapsed, however I have a email from the carpark app, requesting a password reset, but not carpark receipt. My bank statement also shows a 1p transaction being processed the day after the incident where I tired, unsuccessfully to setup my card.
I think I was having issues with logging into and paying for the parking ticket so I in the end manually paid. The carpark offers a £5 off your shop at Morrison, and I have a transaction for 49p, so I fairly certain on this, however do not have a copy of the receipt.
I have never received any paperwork in regards to this from CEL. Should I contact them to ask for copies?
Should I submit a SAR request to determine if my numberplate is logged for the date in question, as it's a digital car park, even if I paid with cash?
Do I have a case to set aside the CCJ as the documentation was sent to my old address?
Admittedly it was my error the V5C was not up to date, however it was updated before CEL would have presumably commenced legal procedures so therefore should they not have done a soft trace?
I'm horrified that I have a CCJ so the overriding outcome for me is to remove it from my record. If an attempt to set aside fails, will this mean it will be harder/more costlier to get CEL to agree to remove?
Thanks in advance.
Thanks in advance.
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