APCOA PCN Manchester Airport Drop-off

TBear_Anon

will do , thank you

doubledotcom

You need to understand that nothing can affect the credit file unless a CCJ is issued and is not paid within 30 days. Hopefully, this will educate you a bit better:

A County Court Judgment (CCJ) does not just happen—it follows a clear legal process. If someone gets a Parking Charge Notice (PCN) from a private parking company, here's what happens step by step:

1. Parking Charge Notice (PCN) Issued
   • The parking company sends a letter (Notice to Keeper) demanding money.
   • This is not a fine—it’s an invoice for an alleged breach of contract.

2. Opportunity to Appeal
   • The recipient can appeal to the parking company.
   • If rejected, they may be able to appeal to POPLA (if BPA member) or IAS (if IPC member).
   • If an appeal is lost or ignored, the parking company demands payment.

3. Debt Collection Letters
   • The parking company might send scary letters or pass the case to a debt collector.
   • Debt collectors have no power—they just send letters and can be ignored.
   • No CCJ happens at this stage.

4. Letter Before Claim (LBC)
   • If ignored for long enough, the parking company (or their solicitor) sends a Letter Before Claim (LBC).
   • This is a warning that they may start a court case.
   • The recipient has 30 days to reply before a claim is filed.
   • No CCJ happens at this stage.

5. County Court Claim Issued
   • If ignored or unpaid, the parking company may file a claim with the County Court.
   • The court sends a Claim Form with details of the claim and how to respond.
   • The recipient has 14 days to respond (or 28 days if they acknowledge it).
   • No CCJ happens at this stage.

6. Court Process
   • If the recipient defends the claim, a judge decides if they owe money.
   • If the recipient ignores the claim, the parking company wins by default.
   • No CCJ happens yet unless the recipient loses and ignores the court.

7. Judgment & Payment
   • If the court rules that money is owed, the recipient has 30 days to pay in full.
   • If they pay within 30 days, no CCJ goes on their credit file.
   • If they don’t pay within 30 days, the CCJ stays on their credit file for 6 years.

Conclusion

CCJs do not appear out of thin air. They only happen if:
• A parking company takes the case to court.
• The person loses or ignores the case.
• The person fails to pay within 30 days.

If you engage with the process (appeal, defend, or pay on time), no CCJ happens.

Coupon-mad

TBear_Anon said:

will do , thank you

Your logbook is almost certainly out of date re the address. Sort that out immediately if we're right. Ignore APCOA and the £170 threatograms except to send APCOA an email now if your old address was used. You must insist they ERASE the old address if they used it for the PCN, and note your correct address.