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About bowcreek

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  1. No hearing or anything happened. All 3 were judgements by default because claims were sent to old address where vehicle was left registered unfortunately. I figured out each time via my credit file alerts.
  2. I copied and pasted the question from the form as is.
  3. Dear members, I received 3 x CCJs last year to do with Private parking firms but every time came across them well on time with help of my credit score agency and decided to pay up in full within 1 month of judgement date. Just checked for any judgements for peace of mind by paying up for a report via https://www.rtlproduction.com/search.aspx and report says "Nothing Registered" Question is - I've been offered a job which needs an external company to carry on pre employment checks and one of the questions on the form is "Have you ever had civil proceedings taken against you by creditors e.g CCJ or IVA?, if yes please provide details." What is the right thing to do? Should I say No based on report I just ran? Or should I say yes and put a note explaining why did I get it (all comms sent to wrong address and claimant won by default) and that its all paid up in full? How do these agency check such record? thanks
  4. Again, my apprehension of not going for set-aside is 1. Failing to notify DVLA of change of address for more than a year while being registered keeper of the vehicle. 2. Date of event on claim details I've received from county court is from Feb 2016. I had moved out of my previous address where CEL might have sent letters etc. in November 2015. What grounds do I have if judge asks me why did I have car registered at an address from where I had moved out 3 months back, which caused CEL to send all letters to the address DVLA holds for me. Most likely CEL would also know in cases where they win by default is because vehicle was registered at old address and that is a backdoor for them to exploit about negligence of registered keeper of the vehicle. Probably someone from CEL would be looking at this thread and preparing ...
  5. BTW I looked closely and the reference number in the letter worked in PCN field to pay it off (https://www.ce-service.co.uk/pay-now.asp) So now I have what I'd need to pay it off. I can completely see your point dear members. My circumstances are what's making me feel more inclined towards taking a quicker (unreasonable waste of money though I agree) route to pay off now and reach out to court to let them know I've done so. I hope I'd get some sort of e-mail confirmation when I make the payment though it might not have CEL's reference number on it which court might ask for.. I need to apply for Security vetting for work, apply for citizenship etc. very soon and it might just add to my worries to carry on with those applications with this CCJ on my records...
  6. OK - that's for set-aside route. How do I get more info if I want to pay this off straightaway? I need to know details and PCN number to be able to pay if its to do with parking.
  7. I've now received the claim particulars but it doesn't seem to have any details of what and when did I do or what is the whole thing about? How do I get that ? Concerned of losing time as well... Also does it surely mean one calendar month I have is from 16th Nov? There are date from October on this paper as well and not sure what significance they carry to meet for paying within a month clause..
  8. You can apply for a set-aside by filling out an N244 and paying the fee, which is recoverable if the matter is then heard again and you won. - Whilst set-aside is in place and even if I win, I take that the judgement will still on be judgement register for 6 years but will show as "satisfied" ? Please can I check this with you? If you had moved before the date of the incident that gave rise to the claim then you are an utter fool and the judge may well decide that it as all of your own making and not grant the set-aside and you have to pay the full amount plus you will be in bother with the DVLA, your insurers etc. - I'd know when I receive papers from court. Hoping to receive very soon.
  9. Called Northampton County Court Business centre and they are sending the claim details to me via First class post - so hoping to get it by tomorrow.
  10. When you say "before it is registered onto your credit file" - this has appeared on my credit file as that's how I came to know about it. Does it get "registered" after a month you mean when it can't go away unless I win via set-aside route probably?
  11. Well I meant originally it must have been some sort of parking fine I take, but later went to court and became this CCJ.
  12. Could there be possibility of my failure to get the address on V5C updated highlighted and adversely affect me if I take set aside route? I have a legal action cover with my home insurance, can I try to use that at all in such cases?
  13. I realise my stupid mistake and agree I need to get this changed. Been really bad with post office type things but excellent online, though that's no excuse. 1. So would you say the first step would be to request address change via DVLA? 2. Should I try to seek more info on when and why this was issued before simply agreeing to pay off? 3. I'd really want to get this off the judgement register and also from my credit file. Is that at all possible at this stage? https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating says it can be possible if paid within a month? 4. County court helpdesk said there is a fee of £250 to set-aside a judgement. Worth going that route if I failed to change the address for a year !?
  14. Yes I had a car when I lived at that address and due to my own do-it-later attitude towards changing the address is still registered there . I still have the same car. Having moved to our own house which I hope to be our permanent address of long , co-incidentally I contacted DVLA last Monday to find if there are any penalties etc. on my car's registration number with all intentions to get the address change done asap they confirmed there was none. Also no points etc. on my license either they said. So I was relieved that thank goodness its all OK and I can peacefully change the address on V5C now. But that doesn't seem to be the case it seems... I don't know where and when they might have issued a parking fine as surely I would have paid and noticed if they stuck it on windscreen.
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