What would occur? Non defence.

Gr1pr

It also can affect mobile phone contracts and other services etc, not just credit or rent

Like mortgages,  bank accounts,  credit cards , employment  etc

FearKarma111

Gr1pr

So, although a bailiff cannot act on a debt less than £600, an action could be made against a bank account to force payment from that account?

Gr1pr

As ChirpyChicken mentioned,  there are enforcement actions that could be taken as you rightly mention, but private parking companies tend to focus on judgments over £600 , usually for multiple pcns in the over £600 judgment 

What they can do is easily found using Google search, the AI response tells you,  but what they can do is different to what they do do in the real world 

It wouldn't surprise me if the defendant already has a default Judgment due to ignoring the court claim 

Ralph-y

4/5ears time ... could it be different ?

Le_Kirk

With an issue date of 06/10/25 and providing you complete(d) the AoS after 11/10/25 and before 25/10/25 your defence deadline date is 4.00 p.m. on 10/11/25 If the AoS has not been completed, nor a defence submitted, it is likely that a default judgment has been issued automatically.  Your friend should check the status page on her MCOL account.

FearKarma111

@Le_Kirk

No AoS has been submitted. No action was taken at all.

Hence, I think too late to stop a potential CCJ.

But my friend having no need of credit and forum-posts stating that further action after a CCJ is unlikely, I think my friend will settle for that?

ChirpyChicken

FearKarma111 said:

Gr1pr

So, although a bailiff cannot act on a debt less than £600, an action could be made against a bank account to force payment from that account?

Parking firms do not do third party debt orders and they would need the institution details so no it wont happen

James_Poisson

FearKarma111 said:

@Ralph-y

She doesn't use credit in any form. Doesn't rent etc.

I don't think it will affect her.

She might find taking out a mobile phone contract difficult, or changing energy suppliers, broadband suppliers or getting new insurance policy etc or anything where a credit check is involved.