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Hey all,
Firstly, I do apologies if this has been covered elsewhere, but I'm a little frazzled and done a lot of research without getting any clear idea as to where I stand. Anyway, to the point:
Background:
Moved house Sept 2018 and I have only recently (within past two weeks) realised that I have a CCJ on my credit file from my old address dated November 2019 (14-15 months after I moved house). This is for a parking ticket that I've received when playing 5-a-side football at DW. I received absolutely no communication about this to my new address. Needless to say I am very frustrated at this as it's completely destroyed my credit and really want it to be set aside but not really sure what the likelihood of that is.
The issue here is I thought I had updated my V5 or whatever it is too my new address but obviously didn't in the madness of moving (and it was my first house purchase so stressful enough as it is), which I ultimately have to put my hands up for. I also wrote the car off in Nov-30-2018 and just never really thought about it since then and got a new car end of December 2018 (obviously updated to the new address). I want to get the CCJ set aside based on the fact that I genuinely had no idea about the parking ticket, and if I did would have obviously responded accordingly (I also think the parking ticket is invalid as I have played at DW every week for a year and half at my new address and never once had a parking ticket but my main focus is trying to get the CCJ set aside.
Does anyone know what the likelihood of getting the CCJ set aside is as obviously £250 is a fair amount of money that I don't want to waste if there is no hope? My concern is that ultimately the courts will just say it is your fault for not updating the V5 even though I thought I had. Any advice would be greatly appreciated.
Thanks a lot!
Phil
Firstly, I do apologies if this has been covered elsewhere, but I'm a little frazzled and done a lot of research without getting any clear idea as to where I stand. Anyway, to the point:
Background:
Moved house Sept 2018 and I have only recently (within past two weeks) realised that I have a CCJ on my credit file from my old address dated November 2019 (14-15 months after I moved house). This is for a parking ticket that I've received when playing 5-a-side football at DW. I received absolutely no communication about this to my new address. Needless to say I am very frustrated at this as it's completely destroyed my credit and really want it to be set aside but not really sure what the likelihood of that is.
The issue here is I thought I had updated my V5 or whatever it is too my new address but obviously didn't in the madness of moving (and it was my first house purchase so stressful enough as it is), which I ultimately have to put my hands up for. I also wrote the car off in Nov-30-2018 and just never really thought about it since then and got a new car end of December 2018 (obviously updated to the new address). I want to get the CCJ set aside based on the fact that I genuinely had no idea about the parking ticket, and if I did would have obviously responded accordingly (I also think the parking ticket is invalid as I have played at DW every week for a year and half at my new address and never once had a parking ticket but my main focus is trying to get the CCJ set aside.
Does anyone know what the likelihood of getting the CCJ set aside is as obviously £250 is a fair amount of money that I don't want to waste if there is no hope? My concern is that ultimately the courts will just say it is your fault for not updating the V5 even though I thought I had. Any advice would be greatly appreciated.
Thanks a lot!
Phil
