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    • Well, he owed a debt, had that debt established in court and then defied the court by not paying the debt even when ordered to by the judge.   That's what a credit report would conclude.  Doesn't matter that the "debt" didn't exist and was made up by fleecers, once he didn't defend the court claim he was going to lose and once he didn't pay a CCJ was inevitable.   Yes, a set aside is the way to go.  I don't think there is a time limit, plenty of people go for a set aside yonks after the event as they had moved and never got the court papers.    
    • Thank you so much for your thorough reply.   I'm trying to work out the simplest way to deal with this. I don't really want to have to fight things through the courts if it does come to that, and I"m trying to work out if I have a cooling off period at all. I wonder if you can tell me.    I viewed the car in person and took it for a test drive. But I then went away and eventually called the dealership back to arrange to buy the car. I agreed to buy the car and paid £500 deposit to secure the car over the phone.    I then went into the dealership and completed the purchase in person when I collected the car.    Do I therefore have the legal right to a 14 day cooling off period as I was a telephone purchase for at least part of the price? Or does this only apply to a purchase completed over the phone or online? Thanks
    • So they can’t even get a CCJ against me? Unless they sell the debt? Even though this is a debt it’s not a “credit agreement” that’s defaulted so does this come into play?    I read on on another website forum that a guy had a £12,000 negative balance and he had agreed a monthly repayment plan with the DCA. Has just given in to easily in your opinion?   
    • Hi,   Do you have an update on this? Curious to know what they said.    I may be in a similar situation, 5 year old car has signs of crash damage, although yet to inspect it properly. 
    • Hi Everyone,   ..not been on here for ages......😜   Asking for my best mate.   He just had a CCJ issued against him for a Premier parking issue, one these speculative invoices I think. I don’t need to go into details now as my questions are simple to start with, etc but you can guess he ignored everything,did nothing, and it’s gone this far, reasons for another time.   Anyway, a few questions please, can you help...   Is the only thing he can do now is a “set aside application”? And is that request time limited, does he have to do it within a certain timeframe.   After reading a few things on here am I right to assume the Set Aside is a tricky thing to do?   He is only trying to repair his credit rating, which halved upon this CCJ!!!!! His was perfect before this.   In a slightly related question, why are parking fines related to a credit report. It’s not like he missed a loan repayment or credit bill payment. You could argue that non payment of spurious questionable parking fine is certainly not related to the repayment of credit or credit worthiness....   TIA Steve
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Tezcatlipoca

British Pathe

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Guest wino

Aawww Roosters first job as a lad:D

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Aawww Roosters first job as a lad:D

 

Heh...of course he's now moved on to present the CAG-Newsreel... :)

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