CCJ already issued, options?

[sewingkit 1]

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.

 

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

[FTMDave 426]

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.

 

 

[dx100uk 8,561]

its not a fine

that would be a criminal court not a civil county court CCJ.

 

not really much point in setting aside cost £255 as much as paying the CCJ itself

 

what date was it issued please?

 

[sewingkit 1]

yeah, the costs are similar ofc but I should have said and I don’t know if he can do this but I think he wants to get the CCJ off his credit file, he’d happily pay to get it off. If he was to set aside successfully would he be able to get it off?

 

8th October dated

[dx100uk 8,561]

opps no outside of the 33 days he had to pay it for it not too show sadly.

 

we are going to need far more info than what we have here now to even think of suggesting a set aside.

this is compounded by the fact hat you say he totally ignored everything inc the claimform?

 

oh well time for you to get scanning.

scan everything he has please 

every letter, the lot.

 

one good point is we only need the front page of the claimform..not the complete pach from northants bulk.

 

please makes sure you redact things properly but leave times and dates etc.

just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes.

read upload 

put everything in ONE MULTIPAGE PDF FILE ONLY please

 

 

the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.

[sewingkit 1]

Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.

[dx100uk 8,561]

well the only way now to get it removed is via a set aside cost £255.

 

even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.

 

TBH: there would have to be something seriously wrong for a set aside to succeed 

location of the car park might help us at the least.

 

 

[brassnecked 1,572]

Another victim of an industry that shouldn't exist, just hope he hasn't binned everything as usually there is something where the fleeces shoot themselves in the foot, making any claim doomed if defended.