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Got CCJ, claimant is MIL Collections, please help with N244!
Hi there,
I recently checked my credit score online and noticed a CCJ dated 4th November 2016. The address on there is an address from over a year and a half prior to that. I contacted the court from the details provided, and they informed me that the claimant is MIL Collections from a parking fine from 10/04/2015. Apparently the form would have been sent to me after the 13th October (the court says this is when the claim was received). Obviously I did not receive it, because it was sent to an old address. Had I known about it, or even the parking ticket from 2015, I would have paid it. At this point I'm unsure the parking ticket even exists.
I've heard a lot of bad stuff from MIL Collections, and I don't want a CCJ on my record as I'm hoping to get a mortgage in the next few years and it could hinder my ability to do so.
I know absolutely nothing about courts, or law, and the N244 seems very confusing to me. I am hoping I have a good chance of winning and having it set aside though, purely on the basis that it was sent to the wrong address and I couldn't have known about it and therefore could not have paid it within the 1 month window.
My only problem is that they would have got the address from DVLA records on the vehicle, which I have not updated; however, it could be that I was living there on 10/04/2015 in which case the claimant should really have put some effort into finding my latest address, seeing how the claim is well over a year since the supposed parking fine.
If anybody could give me help filling in the form and any other steps required that would be greatly appreciated, at the moment I'm in a position where paying the fee to have it set aside would be a large hit on my finances, but it is worth it to try and get the CCJ removed.
It's unfair because other than this CCJ my credit score was good, infact I took pride in how much I'd managed to keep it clean.
Thank you in advance,
Conna
I recently checked my credit score online and noticed a CCJ dated 4th November 2016. The address on there is an address from over a year and a half prior to that. I contacted the court from the details provided, and they informed me that the claimant is MIL Collections from a parking fine from 10/04/2015. Apparently the form would have been sent to me after the 13th October (the court says this is when the claim was received). Obviously I did not receive it, because it was sent to an old address. Had I known about it, or even the parking ticket from 2015, I would have paid it. At this point I'm unsure the parking ticket even exists.
I've heard a lot of bad stuff from MIL Collections, and I don't want a CCJ on my record as I'm hoping to get a mortgage in the next few years and it could hinder my ability to do so.
I know absolutely nothing about courts, or law, and the N244 seems very confusing to me. I am hoping I have a good chance of winning and having it set aside though, purely on the basis that it was sent to the wrong address and I couldn't have known about it and therefore could not have paid it within the 1 month window.
My only problem is that they would have got the address from DVLA records on the vehicle, which I have not updated; however, it could be that I was living there on 10/04/2015 in which case the claimant should really have put some effort into finding my latest address, seeing how the claim is well over a year since the supposed parking fine.
If anybody could give me help filling in the form and any other steps required that would be greatly appreciated, at the moment I'm in a position where paying the fee to have it set aside would be a large hit on my finances, but it is worth it to try and get the CCJ removed.
It's unfair because other than this CCJ my credit score was good, infact I took pride in how much I'd managed to keep it clean.
Thank you in advance,
Conna
I had previously read through that entire thread before creating mine. But I was very confused, and I'm still having trouble filling out this form on my own because I've never had to do anything like this before. I was wondering if somebody could help me fill it in tailored to my exact circumstances.
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