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  • FIRST POST
    • Life upside down
    • By Life upside down 13th Mar 18, 3:45 PM
    • 1Posts
    • 0Thanks
    Life upside down
    CCJ for £0.43!
    • #1
    • 13th Mar 18, 3:45 PM
    CCJ for £0.43! 13th Mar 18 at 3:45 PM
    I incurred a CCJ for £270.43 in January for a parking fine. I paid £270.00 to Gladstones solicitors (the claimant) within the 30 days period and thought that was the end of it? Then I chased Gladstones last month for confirmation the CCJ payment was made in full and the Registry Trust had been notified, thereby removing trace from my credit file?

    Gladstones stated £0.43 was outstanding so I paid this straight away. I later received confirmation the CCJ was paid in full and the Registry Trust would be informed its status would be declared as satisfied as the £0.43 was paid after 30 day period and therefore would remain on my credit record for 6 years.

    My Experian credit file on MSE stated £270, plus I didnt receive the courts order letter as I am separated from my wife and wasn!!!8217;t forwarded the court letter. Hence why I paid £270.00.

    I am totally and utterly devastated that I now have a CCJ on my credit file for 6 years for just £0.43, less than the cost of a pint of milk.

    I contacted the county court who suggested I could pay £255 to apply to have the judgement set aside, however there would be no guarantee the judge would award this? What are your views on this?

    I don!!!8217;t know which way to turn and for £0.43.

    Thanks for reading.
    Last edited by Life upside down; 13-03-2018 at 3:50 PM.
Page 1
    • seatbeltnoob
    • By seatbeltnoob 13th Mar 18, 3:56 PM
    • 450 Posts
    • 107 Thanks
    seatbeltnoob
    • #2
    • 13th Mar 18, 3:56 PM
    • #2
    • 13th Mar 18, 3:56 PM
    The devil is in the detail, should have paid it in full and to the penny. It's up to you to decide whether paying the £255 is worth getting the CCJ removed from the file. Not sure why you decided to pay it less than the pennies. Silly mistake
    • Gary_Dexter
    • By Gary_Dexter 13th Mar 18, 3:56 PM
    • 1,287 Posts
    • 733 Thanks
    Gary_Dexter
    • #3
    • 13th Mar 18, 3:56 PM
    • #3
    • 13th Mar 18, 3:56 PM
    If you pay it within 1 month of being issued then it will be removed from your file.
    • Tarambor
    • By Tarambor 13th Mar 18, 4:26 PM
    • 3,033 Posts
    • 2,193 Thanks
    Tarambor
    • #4
    • 13th Mar 18, 4:26 PM
    • #4
    • 13th Mar 18, 4:26 PM
    What are your views on this?
    Originally posted by Life upside down
    If you'd paid the parking fine in the first place it would have cost you a lot less than £270.

    As for the set aside, its a gamble but it is certainly worth a try, after all you paid by far the bulk of it and certainly if I was hearing such a case it would be a no brainer.
    • MothballsWallet
    • By MothballsWallet 13th Mar 18, 8:11 PM
    • 12,334 Posts
    • 16,642 Thanks
    MothballsWallet
    • #5
    • 13th Mar 18, 8:11 PM
    • #5
    • 13th Mar 18, 8:11 PM
    OP, you could have gone to the parking board on here and got excellent (and free) advice on how to appeal and deal with Gladstones - they are a known incompetent firm of solicitors who specialise in cheap automated claims for their clients.

    At least of their directors is also a senior person in the Independent Appeals Service (IAS) for appealing parking tickets issued by the members of the International Parking Committee (IPC) - a conflict of interest that no one in regulators or government seems to care about.
    Always ask yourself one question: What would Gibbs do?

    I live in the UK City of Culture 2021

    I had to put mothballs in my wallet - the moths had learned the PINs to my cards...
    • John-K
    • By John-K 13th Mar 18, 9:49 PM
    • 654 Posts
    • 1,016 Thanks
    John-K
    • #6
    • 13th Mar 18, 9:49 PM
    • #6
    • 13th Mar 18, 9:49 PM
    As above, yes, that!!!8217;s annoying, but it was your job to get the details right and ensure that you paid on time. There is no wiggle room, for obvious reasons.
  • National Debtline
    • #7
    • 14th Mar 18, 10:31 AM
    • #7
    • 14th Mar 18, 10:31 AM
    Hi Life Upside Down and welcome to the forum


    I can see what a hugely frustrating situation this is for you. Unfortunately as the CCJ was not fully satisfied within a month it will not be removed from your credit file. I think applying for a set aside is a risky strategy and you could incur costs if not successful. The idea of a set aside is to give you the chance to challenge a CCJ if you have only just become aware of it. This is either to dispute you owe the debt or because you have good grounds as to why you could not respond to the court claim.


    The fact that you paid the bulk of the CCJ shows you do not dispute it and in essence you are only requesting it to improve your credit history. You might be able to argue that you made the payment in good faith based on the figure on your credit file but ultimately it will be down to a judge to decide. It would be advisable to seek some legal advice first if possible as the set aside is fee is high (you may get a remission if on a low income).


    You can find more on the process here https://www.nationaldebtline.org/EW/factsheets/Pages/howtosetasideacountycourtjudgment/settingasideaccj.aspx


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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