CCJ discovered after credit score dropped

Discount_dude19

Hi everyone,

I'm hoping for some advice before I decide whether to apply for a set aside.

I recently discovered a CCJ after my credit score suddenly dropped.

The details are:

• Judgment date: 19 June 2026
• Amount: £280.72
• Claimant: UK Parking Control Ltd
• Solicitor: Moorside Legal Services
• Alleged parking event: 13 November 2025
• Location: Barker Street Main Car Park, Shrewsbury
• Allegation: "Not parked correctly within the markings of the bay."

The problem is that I never received the PCN, reminder letters, Letter Before Claim or County Court Claim Form.

All correspondence was sent to my previous address, which I moved out of in October 2024. I still own the property but it has been rented out since then.

At the time of the parking event my V5C was still registered at that address, but I updated it approximately a week later when I changed cars. The court proceedings weren't issued until around May 2026, around six months after the alleged parking event.

I only became aware of the CCJ because I checked my credit report. As soon as I found out I contacted the Civil National Business Centre and Moorside Legal.

Moorside told me over the phone that because judgment has already been entered, I should pay the judgment and then apply to have the CCJ removed. Citizens Advice have since suggested that I should carefully consider whether to make a set aside application before paying.

I also don't actually remember parking at the location on the date in question and have asked Moorside for evidence, but they said they wouldn't provide any because judgment has already been entered.

My questions are:

1. Do I appear to have reasonable grounds for a set aside application?
2. Should I ask UKPC/Moorside to agree to a consent set aside first?
3. Is there anything else I should obtain before deciding whether to submit an N244 application?
4. Does the fact that my V5 was updated months before court proceedings were issued have any significance?

Any advice would be greatly appreciated.

Car1980

See VCS v Carr.

So yes, you should go for a set aside. They should have done a soft trace for pennies, but they haven't and have been using the wrong address for years. That's on them. This behaviour is also useful for demonstrating they should refund your £313 set aside cost.

Try to get consent first, but they will likely refuse the fee by saying something like:

We confirm that our client would be prepared to consent to set aside the Judgment, however would not be prepared to bear the fee on the basis that the Claim was served correctly to your last known address in compliance with CPR 6.9.

But the last known address is too long ago, and they should have paid for a trace. Read what Carr says.

la531983

"For years" ?

It wasnt even one year.

Coupon-mad

1. Do I appear to have reasonable grounds for a set aside application?

You have irrefutable grounds and the CCJ must be set aside, per CPR 13.2.

1. Should I ask UKPC/Moorside to agree to a consent set aside first?

I wouldn't wait and would do the application this week, with a witness statement & evidence of moving house and selling the car, and a costs assessment requiring your £313 fee plus costs for attending a hearing, to be refunded by the PPC.

1. Is there anything else I should obtain before deciding whether to submit an N244 application?

The POC from the CNBC. Ring them.

1. Does the fact that my V5 was updated months before court proceedings were issued have any significance?

But it wasn't.

You sold the car, so the V5C for that car always had your old address on and you'd left it like that for a year after moving. That was a very serious oversight and causes CCJs.

However, the CoP says that operators must do a soft trace to find any new address before litigation, and they didn't. From your silence, there was 'reason to believe' you had moved but in addition they HAD to do an address trace this year and they didn't.

• Read post 2 of the NEWBIES thread.
• Search the forum for a CCJ set aside case from the past year, that uses VCS v Carr, and copy & adapt their WS.

Get the application in and paid for this month. Stop phoning Moorside!

Discount_dude19

Thank you, that's really helpful.

I realise I may have been mistaken about the V5C. The vehicle was sold shortly after the parking event, so I now understand that UKPC would likely have obtained my old address from the DVLA following the incident. However, court proceedings weren't issued until around six months later.

From reading Carr v VCS, am I right in thinking the key issue is whether UKPC should have carried out a soft trace before issuing proceedings, rather than simply relying on the address originally obtained from the DVLA?

Also, if the argument is that the claim wasn't validly served because they failed to take reasonable steps to ascertain my current address before litigation, is that why this falls under CPR 13.2 rather than CPR 13.3?

Finally, does anyone have a recent witness statement template for a UKPC/Moorside set aside application that relies on Carr v VCS? I'd much rather adapt a proven example than start from scratch.

Thanks again for taking the time to help.

Car1980

https://forums.moneysavingexpert.com/discussion/comment/82076571#Comment_82076571

Says 2024.

la531983

https://forums.moneysavingexpert.com/discussion/comment/82077411#Comment_82077411

The OP says the parking event happened in November 2025. So they havent been sending things to the wrong address "for years"

Car1980

Apologies, I read it as 2024 and he changed the V5 a week later.

Maybe help the guy instead of lobbing in comments though?

la531983

https://forums.moneysavingexpert.com/discussion/comment/82077428#Comment_82077428

I was leaving that to the experts, I was just pointing out your misreading of the timeline.

Coupon-mad

"From reading Carr v VCS, am I right in thinking the key issue is whether UKPC should have carried out a soft trace before issuing proceedings, rather than simply relying on the address originally obtained from the DVLA?"

Yes. But there is no debate: they HAD to. It is mandatory in the Code of Practice.

"Also, if the argument is that the claim wasn't validly served because they failed to take reasonable steps to ascertain my current address before litigation, is that why this falls under CPR 13.2 rather than CPR 13.3?"

Yes. It's a mandatory set aside.

"Finally, does anyone have a recent witness statement template for a UKPC/Moorside set aside application that relies on Carr v VCS? I'd much rather adapt a proven example than start from scratch."

Not up our sleeves. We'd have to search for it, same as you will need to.

But UKPC using Moorside is an almost unheard of combo. Are you sure it's UKPC? There are similar acronyms like UKPS.

And how did you get on ringing the CNBC, to ask them to email you the claim details and POC? You have to ring them on the dot of 8.30am to avoid a long phone queue.