CCJ - Unsure If I can fight it!
Firstly Thank you so much for all the CCJ set aside information. I have been following different threads, all of which seem to have adequate evidence to have their CCJ set aside. Please could you help with my situation?
I found a CCJ on my credit file in June 2020, with the judgement dated on August 2019. I called CCBC and found out it was due to unpaid multiple parking fines under two different claim numbers sent to my previous address in Lancashire. I am now in London. All parking fines are from 2017/early 2018 for parking around a new build area where the PCN small print unclear signs are situated which I had not noticed before (I only realised this after reading about it on this forum). Parking Control Management LTD is the claimant using Gladstones as their solicitor.
Long story short, all fines were sent to a previous address in Lancashire which I left in Sept 2016 and rushed off to another address in Brighton to start Therapy training for my career in Psychology (I got the job and moved in the space of a week!). It was an intense one year of training and then in 2017 August, I moved to London to be with family. My log book was still unsure my Lancashire address.
I didn't change my DVLA address from the lancashire address, to then the Brighton address and then to my current London address during 2016/2017 because truthfully I just didn't even think to do so (Also unsure how many times you have to keep changing the address on your log book). In August 2019, I changed the DVLA Address and sold (gave) my car to my mother and changed the log book details over to her name and our current London address where we both live.
Fast forward to now, I have this CCJ. I called Gladstones and they stated they traced my address and sent the county court judgement letters to my current London address. They refused to discuss anything over the phone and said I would need to get a solicitor.
I have spoken to Stepchange and CAB and they suggested I ask for a SAR. I have done this and Gladstones have sent the paperwork which show that a Letter before Claim was sent to my current London address dated May 2019 (which I do not remember receiving in the post. I would have acted if I had received this and now unsure how to prove this). I also requested pictures of my car in the spots where the fines were issued. They haven't sent any pictures and said the litigation team would send this once they receive my correspondence. It's been about a week still nothing.
The area in which Parking Control management and Gladstones has been giving out parking fines has been explained on the Prankster website as being a scam.
The PCN attendant has been known to circulate the building, lay by and surrounding area and capture anyone who stops for even less than a minute, or has been known to wait until the car driver has walked away after parking to issue a fine. The area in the link above isn't the exact location of my fines but it is around this building.
I do feel that as they aren't proving any pictures of exactly where the car was situated when the fines were given and the PCN signage is ambiguous without clear instructions on who is or isn't allowed to park, its difficult to assess if I have a defence or not. I remember parking around this area in 2017 as it is close to where I live, however there were no obvious signs to say that I couldn't.
My CCJ amount is around £900, and getting a solicitor would exceed the cost of the CCJ claim therefore I would like to see if I would be able to set this aside by representing myself. I feel incredibly stupid for this situation and had I received letters about this I would have attended court and fought it at the time. Im unsure what to do and how to present my claim and worried that some bailiff or law enforcement officer may come to my door.
I look forward to hearing your honest thoughts on how I can proceed. I would like to get this sorted ASAP as its quite traumatising to know how my financial independence is about to be impacted for the next six years. I'm 30 and had hoped to invest in a home soon!
Many thanks again for all your help and effort on this platform. I'd be completely hopeless without you. Please let me know if you would like clarification on any info above.