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    • Now i'm no expert so i'd rather @Andyorch check that over please 1st    Dx
    • In 2017 I unfortunately made use of the parking facilities at Urban Exchange M4 Manchester and despite spending money in their shops   I overstayed my welcome by 17 minutes and now they want more money for the privilege.   The car park there at Urban Exchange is managed by Highview Parking Limited. They state that 1 hour is free and up to 2 hours must be authorised by the shops themselfs.   Their ANPR says I was in the car park for 1 hour and 17 minutes. There are a few posts online about how difficult it is to get the shops to authorise the parking and it really isn't clear at all how the system works. Now a few years have passed and I no longer own the vehicle and I no longer live at the registered keepers address. In december 2021 they entered a CCJ against me and won by default, I did not receive any paperwork as I was no longer at the address they had on file.   I noticed the CCJ appear on my credit file some months later. Particulars of Claim: 1. THE DEFENDANT(D) IS INDEBTED TO THE CLAIMANT © FOR A PARKING CHARGE(S) ISSUED TO VEHICLE HD57BWF AT URBAN EXCHANGE M4   2. THE PCN DETAILS ARE 05/08/2017, XXXXXXXXXXXXX   3.THE PCN(S) WAS ISSUED ON PRIVATE LAND OWNED OR MANAGED BY C. THE VEHICLE WAS PARKED IN BREACH OF THE TERMS ON CS SIGNS (THE CONTRACT), THUS INCURRING THE PCN(S).   4. THE DRIVER AGREED TO PAY WITHIN 28 DAYS BUT DID NOT. D IS LIABLE AS THE DRIVER OR KEEPER.   5.DESPITE REQUESTS, THE PCN(S) IS OUTSTANDING.   6.THE CONTRACT ENTITLES C TO DAMAGES.   AND THE CLAIMANT CLAIMS 1. £165 BEING THE TOTAL OF THE PCN(S) AND DAMAGES.   2. INTEREST AT A RATE OF 8% PER ANNUM PURSUANT TO S.69 OF THE COUNTY COURTS ACT 1984 FROM THE DATE HEREOF AT A DAILY RATEOF £0.02 UNTIL JUDGMENT OR SOONER PAYMENT.   3.COSTS AND COURT FEES 1st of April 2022 - I submitted an N244 as soon as I was aware of the CCJ on the stating: Set Judgment Aside - I do not live at the service address and have received no claim forms from the court.   I received no pre court documents from the claimant and I do not know who the claimant is.   The first I heard about this is finding the judgement on my credit file.   Further to this I have been in hospital with a serious illness for some months and this combination of an incorrect address and illness has made it impossible for me to reply in time.   I deny that any money is owed to the claimant and will defend the case against my name.   To enter a full defence I need to gather further information. Once the claimants details have been provided to me I will contact them directly to resolve this matter hopefully without wasting any further time of the courts. I have received confirmation from the court that the hearing is to be heard on the 31st of May 2022 I have received a witness statement from DCBL Ltd on behalf of Highview Parking Ltd that I will attach here. https://drive.google.com/file/d/1SsfWc1vdHfN7ihPi-22WxcZEfvLsoF0h/view I am wondering how to proceed now and would be grateful for any help or advice you can offer.
    • Hi Skint, firstly and most importantly, relax friend, there's no rush here. Before you think I don't understand or it's easy for me to say - I've much much more debt than you and almost 1.5 years since I flat out stopped paying a penny across 8ish accounts, to 5+ different lenders. Nothing bad happens, nor will it to you!   No one here will judge you, it's not immoral to be in debt!   Forget DRO's and Bankruptcy - you will NOT need it. That was before and when you were less informed and likely not on CAG   Make a large cup of your favorite drink, sit back and spend the evening having a read through the debt  self help forum threads, as dx suggests, you will soon see what your options are, return here with questions and we will absolutely help you.   Once you have a better understanding of your options you will be able to make the best informed decisions and we will help you with those.   dx's advice in post #2 is absolutely, 100% THE advice to follow right now, consider it while reading other threads.   Stopping paying your loans will not affect your credit cards for many many months, likely until such time you stop paying those as well..   BT        
    • Thank you! So sorry for being so dense 🤦‍♂️ Sorted: Addressing points 21,22 and 23 the claimant contends its unfair to allow a set aside 16 months after a default judgement, yet failed to issue a default notice and to adhere to the rules of the consumer credit act 1974 section 87/88. 👍  
    • Find that text in your statement remove it. That is not correct
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