Horizon - debt recovery

mail2kcm

Gr1pr said:

Its not possible for a debt recovery company to issue a CCJ, only a judge can do so, once an MCOL claim has been filed by the parking company or their legal company,  the lawyers acting on behalf of the private parking company 

You haven't read the debt collectors letter properly,  nor understood it 

Should a CVJ ever happen,  from an actual live court claim,  you pay it off , IN FULL, promptly,  ASAP within the grace period and it is expunged from the record,  meaning that no CCJ is recorded,  so no impact on your credit file or future 

Thank you for your response and apologies for my ignorance in any part!
So, if I understand you correctly, I still have time before panicking! 
If I receive a court letter, then is the advice to then pay ASAP? My confusion is the part where you said a CCJ will be issued but that does not necessarily mean it will be recorded? Am I correct here?

I remember Visa applications ask if I ever had any CCJ issued etc., in this case I would have to then reveal I had 1 issued isn't it? even if it wasn't recorded since I paid it off?

mail2kcm

And sorry I forgot to mention, the car is registered on a Ltd Company which I used to run which is now dormant. The company is dormant since I cannot close it due to the car which I had purchased through the company when it was active) Not sure if it adds any twist to the already confusing plot of mine!

Gr1pr

If an N1SDT court claim against you using MCOL arrives in the post, you defend it with our help,  as explained in post 2 in the newbies sticky thread in announcements near the top of the forum by coupon mad,  plus the defence template thread in announcements too

You definitely do not pay it, you defend against it 

Meanwhile,  take a chill pill

If a judge issued a judgment against you,  it's not recorded until a period of time set by the judge passes without full payment,  a grace period,  so if the grace period given was 30 days,  you pay it in full promptly 

Personally,  I would pay it in less than a week or a fortnight at most, to be sure that it gets expunged,  as I mentioned earlier 

Once paid in full, it's never recorded on the public register,  because its paid in full , before the deadline,  case closed

Castle

Gr1pr said:

Its not possible for a debt recovery company to issue a CCJ, only a judge can do so, once an MCOL claim has been filed by the parking company or their legal company,  the lawyers acting on behalf of the private parking company 

You haven't read the debt collectors letter properly,  nor understood it 

Should a CVJ ever happen,  from an actual live court claim,  you pay it off , IN FULL, promptly,  ASAP within the grace period and it is expunged from the record,  meaning that no CCJ is recorded,  so no impact on your credit file or future 

Or even a CCJ

Coupon-mad

mail2kcm said:

Gr1pr said:

Its not possible for a debt recovery company to issue a CCJ, only a judge can do so, once an MCOL claim has been filed by the parking company or their legal company,  the lawyers acting on behalf of the private parking company 

You haven't read the debt collectors letter properly,  nor understood it 

Should a CVJ ever happen,  from an actual live court claim,  you pay it off , IN FULL, promptly,  ASAP within the grace period and it is expunged from the record,  meaning that no CCJ is recorded,  so no impact on your credit file or future 

Thank you for your response and apologies for my ignorance in any part!
So, if I understand you correctly, I still have time before panicking! 
If I receive a court letter, then is the advice to then pay ASAP? 

Absolutely NOT! You'd defend. It's easy.

You will NOT get a CCJ by defending a claim.

See post 2 of the NEWBIES thread.

My confusion is the part where you said a CCJ will be issued but that does not necessarily mean it will be recorded? Am I correct here?

But you won't get a CCJ.

Even If your case went all the way to a hearing and you turned up but lost (very rare) you'd just pay it then. No CCJ. Nothing to declare ever.

I remember Visa applications ask if I ever had any CCJ issued etc., in this case I would have to then reveal I had 1 issued isn't it? even if it wasn't recorded since I paid it off?

You aren't going to pay off anything. No!

Come back if you get a claim form. Don't show us the £170 threatograms that we already show you in post 4 of the NEWBIES thread. Ignore those and laugh.

Contact them only if you move house.

1505grandad

"And sorry I forgot to mention, the car is registered on a Ltd Company which I used to run which is now dormant."

Just checking  -  are all the documents you have received in your sole name?.

mail2kcm

1505grandad said:

"And sorry I forgot to mention, the car is registered on a Ltd Company which I used to run which is now dormant."

Just checking  -  are all the documents you have received in your sole name?.

It has both my Company Name and my name below it. 

Coupon-mad

Coupon-mad said:

I immediately emailed horizon explaining the situation and requested them to consider my next days parking for my actual parking the previous day but they said since it has been 24hours since the parking, they cannot help.

Very good.

So you can prove that they know that the payment made was for that parking session. And they have acted unreasonably by then - later - issuing a PCN and thus, they have no cause of action against you.

That will be VERY useful to win any court claim defence but you aren't at that stage.

Obviously DR Plus can't affect your credit rating! Ignore them completely!

OK so any claim would probably come to your company as the Defendant. Which cannot POSSIBLY be 'the driver'.

Do you still have the NTK? Show us both sides because Horizon have not always managed to use the right words to hold a keeper liable.