First Timer - Nervous - Can we fight this one together!

Omesha

ChirpyChicken said:

Right your in the clear . 100% no issue 
No one will come .
Forget about this now and ignore any letters!
Don't waste your time submitting a defence its pointless 

Ok I always feel weird with the do nothing option but happy to stay put. 
I suspect no action until they perhaps decide to press for the registered keeper

1505grandad

" The thing is, the council clearly has the correct registered keeper details, so now I’m worried it could backfire ..."

Not sure what the council have to do with it?  -  or do you mean the DVLA?

Omesha

1505grandad said:

" The thing is, the council clearly has the correct registered keeper details, so now I’m worried it could backfire ..."

Not sure what the council have to do with it?  -  or do you mean the DVLA?

Sorry yes. I mean the DVLA

ChirpyChicken

Omesha said:

ChirpyChicken said:

Right your in the clear . 100% no issue 
No one will come .
Forget about this now and ignore any letters!
Don't waste your time submitting a defence its pointless 

Ok I always feel weird with the do nothing option but happy to stay put. 
I suspect no action until they perhaps decide to press for the registered keeper

That isnt the case. You will be fine

Omesha

What does a contaminated address mean? i'm going to ignore it. Not looking forward to the day bailiffs appear and i say the person doesn't live here. Thanks for the continued support

What Could Happen If Your Client Ignores It?

1. Default County Court Judgment (CCJ) Against the Named Person

• If the named person (whoever they are) doesn’t respond within 14 days (or 28 with an acknowledgment), the claimant can request a default judgment.

• This judgment is technically against the named individual, not your client — but it’s tied to your client’s address.

2. Your Client’s Address Becomes “Contaminated”

• Even if the name is wrong, a CCJ at your client’s address can cause:

  • Confusion on credit reference files (especially if the client and defendant have similar names).

  • Issues for future mortgage or credit applications, as the address can flag for debt tracing.

  • Potential misidentification — lenders might link your client with the debt.

3. Enforcement Action at the Property (Even Though It's Not Their Debt)

• If a default judgment is granted and goes unpaid, the claimant might escalate:

  • Bailiffs (enforcement agents) can be instructed.

  • They’ll attend the property where the judgment is registered — which is your client’s home.

• While bailiffs should not take goods unless they confirm identity, they are not obligated to verify deeply.

• This could lead to:

  • Stress

  • Risk of belongings being wrongly identified as belonging to the defendant

  • Potential need to prove ownership of items

ChirpyChicken

That is just plain wrong
No one is going to call round (ever)
Just forget about and stop looking at incorrect information that is AI produced 
**puts head in hands**

Coupon-mad

If the sum is under £600 no HCEOs come knocking.