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#Post#: 100558--------------------------------------------------
Impending CCJ
DIR By: MrBenn76
Date: December 1, 2025, 11:24 am
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My elderly Mother has received a letter from DCBL informing her
that a CCJ for £284.70 has been entered against her on 4/11/2025
with 1 month to pay, so the deadline being this Thursday
4/12/2025. It seems that she has received letters from them
before demanding £170 but she disregarded them thinking that
they were some sort of scam. However, this new letter regarding
the CCJ only arrived on Wednesday even though it was dated weeks
ago (obvious pressure tactics). I have ascertained that she
never received any letters from CPPlus, the parking company, and
that at the time of the 'offence', her V5C was not updated to
her new address as she had recently moved, so she never even had
the chance to pay the original fine. I realise it's a long shot
now, but is there anything that can be done before this CCJ is
set in stone? Thankyou for your attention.
#Post#: 100559--------------------------------------------------
Re: Impending CCJ
DIR By: DWMB2
Date: December 1, 2025, 11:27 am
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You mention that she received some letters but disregarded
them... We could do with seeing exactly what letters she
received... I.e has she received and ignored a claim form from
the court, for example.
#Post#: 100568--------------------------------------------------
Re: Impending CCJ
DIR By: jfollows
Date: December 1, 2025, 11:56 am
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In any case, see
HTML https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating
--- Quote ---
> If you pay within one month
>
> If you pay the full amount within one month, you can get the
judgment removed from the register.
>
> Write to the court to say you’ve paid. You’ll need to send
proof of payment from the person or business you owed money to.
--- End Quote ---
#Post#: 100688--------------------------------------------------
Re: Impending CCJ
DIR By: MrBenn76
Date: December 2, 2025, 8:39 am
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Sorry for the delay, I had to work out how to upload photos. I
haven't used a computer for a while.
Yes, it seems there was a letter from the court. I've included
them here. Hope it opens.
HTML https://photos.google.com/album/AF1QipOaDliWYYJQIg0aUR9BMPq2VXLeiUiV4oSWNcSI
#Post#: 100698--------------------------------------------------
Re: Impending CCJ
DIR By: b789
Date: December 2, 2025, 9:24 am
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That link does not work. However, the most important question is
whether the N1SDT Claim Form was received at the address where
your mother lives? We are not asking about the PCN or any
reminders or debt recovery letters. All we need to know is
whether the actual Claim Form which would have been in a letter
from HMCTS was received.
Once you answer that question, we can then advise on how to
proceed.
#Post#: 100778--------------------------------------------------
Re: Impending CCJ
DIR By: MrBenn76
Date: December 2, 2025, 4:47 pm
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Sorry, I dont know how to upload photos on here. Yes, there is a
N1SDT among the paperwork dated 13th October. Requesting
£262.32.
#Post#: 100817--------------------------------------------------
Re: Impending CCJ
DIR By: b789
Date: December 3, 2025, 5:21 am
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READ THIS FIRST - Private Parking Charges Forum guide
HTML https://www.ftla.uk/private-parking-tickets/read-this-first-private-parking-charges-forum-guide/
Which contains a link to this:
Posting Images
HTML https://www.ftla.uk/announcements/posting-images
#Post#: 100820--------------------------------------------------
Re: Impending CCJ
DIR By: b789
Date: December 3, 2025, 5:35 am
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Your mum is in this position because she received a proper
County Court claim form at her current address and chose not to
respond to it. When a defendant ignores a correctly served
claim, the court is obliged to enter judgment in default. That
is exactly what has happened here.
Because the claim form was served at the right address and there
was simply no response, there is no way to use CPR 13.2. That
rule only helps where the court has entered judgment “wrongly” –
for example, if the claim was never served, was served at the
wrong address, or a defence or acknowledgment had been filed and
ignored. None of that applies here. Service was good, no
response was filed, so the judgment is procedurally sound.
The only possible route in theory would be CPR 13.3, which is a
discretionary set aside. To get anywhere under 13.3 your mum
would have to show both that she acted promptly once she knew
about the judgment, and that she has a real prospect of
successfully defending the original parking claim (or some other
strong reason why the judgment should be set aside). Even if, on
paper, she could clear that hurdle, the court fee for the
application is £313. On a low value private parking claim, and
especially when the defendant has simply ignored paperwork, it
is very unlikely that the judge would order the claimant to
refund that £313 even if the claim later failed or was
discontinued. So in pure money terms, a set aside application
would mean gambling £313 on a fairly thin chance, with no
guaranteed recovery of that fee.
By contrast, paying the judgment now simply closes the whole
thing down. The judgment was entered on 4 November 2025. If the
full amount of the judgment is paid within one calendar month,
i.e. by 4 December 2025 (tomorrow!), you can then apply for the
judgment to be removed from the register altogether. If you pay
in full by tomorrow’s deadline, and then get the court to mark
it as cancelled, it should disappear from your mum’s credit file
as if it was never there. That is the only “clean” outcome that
still exists.
If the judgment is not paid in full by tomorrow, it will sit on
her credit file for six years. Even if she pays it later, it
will only be marked as “satisfied”, not removed. At that point
the question becomes very practical: does your mum actually need
a clean credit record for anything over the next few years? Will
she need new credit, a new tenancy, a remortgage, a mobile phone
contract, or insurance policies that involve a credit check? If
the answer is yes, or even “probably”, then the safest thing to
do is to get the judgment paid in full now and then apply to
have it removed.
If, on the other hand, she is not going to seek any new credit,
does not intend to move, remortgage or take out new contracts
that rely on credit checks, she may decide that she can live
with a CCJ sitting on her file until it drops off after six
years. It is not a great position to be in, but for some elderly
people who have no borrowing plans left, it is not the end of
the world.
In terms of enforcement, the judgment is under £600, so it
cannot be transferred up for High Court enforcement. County
Court bailiffs are technically possible, but for small private
parking debts they are not commonly used because they are slow
and rarely cost-effective for the claimant. That does not mean
there is zero enforcement risk, but it is not the same as having
High Court Enforcement Officers turning up.
So the stark position is this: there is no automatic right to
set aside, and a discretionary set aside would cost £313 with no
realistic prospect of getting that back. The cheapest and most
certain option, if your mum cares about her credit record, is to
pay the judgment in full by tomorrow and then arrange for it to
be removed from the register. If she genuinely does not care
about the credit impact and has no foreseeable need for credit
or contracts that rely on credit checks, she can choose to leave
it, accept that the CCJ will stay on file for six years, and
treat it as a lesson in why court papers must never be ignored.
#Post#: 100922--------------------------------------------------
Re: Impending CCJ
DIR By: MrBenn76
Date: December 3, 2025, 1:16 pm
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I thought as much, especially after finding the court papers
yesterday. It's partly my fault for leaving it so long to deal
with. I've paid it now anyway. No, she's not really interested
in credit at her time of life but she does live in privately
rented accommodation which I know can be a problem having a CCJ
should she ever need to move. If it were thousands, it might be
a different story, but for £280 it's not worth spoiling her good
credit. It's just a case of 'chalk it up' and learn from it
should it ever happen again. I appreciate your time and
expertise looking into this. Thankyou.
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