Hello all- I hope you are all well. Iv kind of got myself into a sticky situation which I need to get out of - this site was recommended - Now I need your help to get me out of this please.
Back in March 2017 I brought a vehicle which I put on my name and adress - all was well until things fell out with my family. I had to move out.. I moved to a close friends flat as my drivers licence was already registered. but when I purchased the vehicle I registered that on my family’s house where I was living at that point. Just to clarify again (My licence name and adress was on my friends flat before purchasing the vehicle.. BUT the vehicle itself has always been on my name and family adress Till the day I sold the vehicle)
Fast forward a year or so I must have accumulated a number of parking tickets (pcns) as I was being a rebel reading from threads that pcns are nothing but empty threats and a waste of time. I didn’t bother replying or paying any of them off.
My credit has always been good really but Recently I tried to attain credit from company and I was declined for the first time. Gobsmasked!! I checked my file and found 2 judgements from the county court business centre which are BOTH from civil cenforcement. I phoned the court and and I didn’t admit these fines.. I did say I would like to dispute both of them and they sent me an N244 and an N245 letter/application.
Please can you advice me on the best thing to do as I would like these off my credit file. Do I have a defence that I can bring up? Anything please / if you need any more information please let me know
Thankyou in advance.
Back in March 2017 I brought a vehicle which I put on my name and adress - all was well until things fell out with my family. I had to move out.. I moved to a close friends flat as my drivers licence was already registered. but when I purchased the vehicle I registered that on my family’s house where I was living at that point. Just to clarify again (My licence name and adress was on my friends flat before purchasing the vehicle.. BUT the vehicle itself has always been on my name and family adress Till the day I sold the vehicle)
Fast forward a year or so I must have accumulated a number of parking tickets (pcns) as I was being a rebel reading from threads that pcns are nothing but empty threats and a waste of time. I didn’t bother replying or paying any of them off.
My credit has always been good really but Recently I tried to attain credit from company and I was declined for the first time. Gobsmasked!! I checked my file and found 2 judgements from the county court business centre which are BOTH from civil cenforcement. I phoned the court and and I didn’t admit these fines.. I did say I would like to dispute both of them and they sent me an N244 and an N245 letter/application.
Please can you advice me on the best thing to do as I would like these off my credit file. Do I have a defence that I can bring up? Anything please / if you need any more information please let me know
Thankyou in advance.
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