CCJ - Dcb Legal/Smart parking - advice please

ParkAnywhere

Hi,

Any advice would be much appreciated.

I moved address a few months ago and have been collecting any post from old address from resident(parent). Yesterday I was passed this claim form below, spoke to the resident(parent) of old address, who said it only arrived in a big pile of letters 2 days earlier, saying post problems at the address. (There were problems when I lived there). 

The Claim issue date is 27 Oct 2025, so I checked mcol and they have judged against me on 18/11/2025.

Below are the particulars or claim. and total amount is £306.32 = amount claimed 221.32 + court fee 35 + Legal rep Costs £50



I then spoke to Dcb Legal explaining change of address, didn't care, happy with the position at the moment and argued not their problem I moved, as I had spoken to them a couple of months earlier, replying to correspondence sent to my old address. So they had no obligation to look for me and it was my responsibility as I knew of the intention to bring a claim. They say the letter I spoke to them about was the "letter of claim," I can't remember what I replied to or the conversation as I probably thought they were trying to scam me anyway, and was not particularly pleasant or making sense. 

From reading threads on this forum, it seems I have a good chance of getting the CCJ set aside even if I forgot to inform them I was moving. I did not live at the address when the claim form arrived and have had no chance of defending. (if anyone knows otherwise please let me know)

I was wondering if anyone could help with the process timeline, I understand there is a high chance of having CCJ removed and the claim being defended, but:

Will that take a long time?

Or is there a process, I can't seem to find, where the CCJ will not show until the set aside is heard?

Is the CCJ on your credit file for the first 30 days or only after not paying within 30 days?

Would I be ruining my credit by attempting to set aside, whilst the court process played out?

Am I correct assuming that, If I succeed then my credit would return to normal, but will take hit now. Where as paying (very reluctantly) would sort out my credit immediately to normal?
  
Thanks