CCJ Help and Advise Please

ezeeno12

Hi,

hoping you can offer some advise please or provide some encouragement.

long story short:

- I buy properties through a LTD company and rent them out

- offered on a property and tried to get a decision in principal

- all mortgage lenders were declining me

- checked Experian to see a score of 999

- further inspection showed a CCJ to an old address

- sold that property august 2019

- parking fine September 2019

- CCJ January 2024

- learnt of parking fine and CCJ October 2024

apparently all paperwork has gone to my old address. After speaking with the solicitors who instructed the CCJ they said they found me at my new address but only sent out one letter there in July 2023 but as I didn't respond all other mail went back to my old address, they said this is the law which I don't believe it is, nor do I believe they ever actually sent me a letter to my new address. 

I have since:

- updated Experian with old address

- paid the outstanding balance I knew nothing about £333.99

- instructed a solicitor to get the CCJ removed completely.

I suppose the only thing I am guilty of is not updating the DVLA straight away of change of address however, I don't think the failure to do so should automatically means I am guilty of the parking fine and subsequent CCJ. 

I would like to think common sense would prevail and with a clear history of 999 perfect Experian score and having had parking fines in the past which have been paid would demonstrate this is a genuine oversight on the address change and nothing more.

Advise welcome please.

Thanks

James

Nasqueron

You are required by the DVLA to immediately update the RK address and on your licence, by not doing so, the parking firm sent their paperwork to the old address. I would suggest you post this on the parking forum for advice

Please note that the 999 score you keep mentioning is literally worth nothing, nobody but you ever sees it, it is never used in any lending decision.