CCJ appeared no idea about it

Teaandbiscuits21

Hi I had an email this morning from ClearScore saying my scores gone down. Check it and there’s a CCJ on there which I’ve got no idea about. I’ve just broke down crying, I’ve had enough of everything. I’m having a tough time with my family life and my debt problems are bad enough as it is but I never expected a ccj, I don’t recognise the amount and the address on it is my previous address which is my parents house. I’ve checked with them and they’ve had no mail  delivered for me .

So please can I ask how do I go about finding what this is and is this allowed to just happen? The amount is 2 grand something. I’m fed up. This is just gonna ruin my chances of everything I don’t know where to start now. I’ll be lucky to get a new phone contract. I am so lost I don’t know what to do I thought things couldn’t get any worse but I was wrong, 

“When a lender starts court action, you’ll get letter in the post called a County Court form. It’s important to open this straight away, as you have two weeks to respond. There’s information on how to reply to a County Court form on the 

StepChange website.” I’ve been in contact with my parents as I’ve said and they’ve had nothing. The address on the ccj is their address. Help

Nasqueron

Do you drive? Is the V5C up to date with your address where you can get mail?

Teaandbiscuits21

Nasqueron said:

Do you drive? Is the V5C up to date with your address where you can get mail?

Yes and no it’s at previous address. Is it an old parking fine been dragged up do you think? 

I’ve had an odd few over the years I’ve just binned and not paid. 

fatbelly

The credit file entry will give you the issuing court and the court reference.

What you do is contact the court and ask for the 'particulars of claim'

The courts are notoriously difficult, which is why we've been asking for creditor info to go on the credit file, but it's not happened yet. If this is the County Court Bulk Centre, I can dig out an email address that works.

Most of these turn out to be private parking fines

Teaandbiscuits21

fatbelly said:

The credit file entry will give you the issuing court and the court reference.

What you do is contact the court and ask for the 'particulars of claim'

The courts are notoriously difficult, which is why we've been asking for creditor info to go on the credit file, but it's not happened yet. If this is the County Court Bulk Centre, I can dig out an email address that works.

Most of these turn out to be private parking fines

Judgement date

22nd Mar 2025

Amount

£2,019

Court

The County Court Online

Court type

County Court Judgment

Teaandbiscuits21

My word over 2 grand if it’s a parking fine wow

fatbelly

Email is

CaseProgression.CNBC@justice.gov.uk


That's a bit higher than I expected. Let us know what it is.

Teaandbiscuits21

fatbelly said:

Email is

CaseProgression.CNBC@justice.gov.uk


That's a bit higher than I expected. Let us know what it is.

Thank you.
i don’t understand though aren’t they meant to send papers out first that they’re issuing court proceedings?

fatbelly

Yes.

Unfortunately you now have to do the detective work to find out what happened.

Last I heard the court was taking 34 working days to answer an email.

In the meantime you might find the creditor writes to you as the ccj is only a week old.

Teaandbiscuits21

fatbelly said:

Yes.

Unfortunately you now have to do the detective work to find out what happened.

Last I heard the court was taking 34 working days to answer an email.

In the meantime you might find the creditor writes to you as the ccj is only a week old.

Oh my goodness what happens in the mean time ? Will the bailiffs come? Do I have any chance of getting this removed? It all seems unfair and extreme 

Voyager2002

Teaandbiscuits21 said:

fatbelly said:

Yes.

Unfortunately you now have to do the detective work to find out what happened.

Last I heard the court was taking 34 working days to answer an email.

In the meantime you might find the creditor writes to you as the ccj is only a week old.

Oh my goodness what happens in the mean time ? Will the bailiffs come? Do I have any chance of getting this removed? It all seems unfair and extreme 

In the meantime the creditor is likely to write to you (using the address they have, not necessarily where you live) requesting payment. They would usually give you every opportunity to reply and make arrangement to pay before taking further action: bailiffs are a fairly extreme thing they could eventually do, but probably there are other things that they would try first if you did not reply.

And yes, there is a process to get the court to "set judgment aside".