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Hello!
I'm in need of some advice/guidance. I read extensively for the past few days on this website and moneysavingexpert to try and get my head around this whole crazy system.
I did a credit check last week as I want to apply for a mortgage as a first time buyer. I found out that I have a CCJ. I rang Northampton county court who provided me with the following;
Parking notice from parking eye at Sunderland hospital on September (failure to pay for parking) and was issued 7 days later. The CCJ is from 01/16 for £167.
The initial parking notice charge and the court documentation must have all gone to my old address as this is the first I have heard about. I moved to a new house on 10 days prior to event.
I have since being at this new address appealed (and won) two other parking notices from parking eye however they never mentioned this outstanding parking notice/CCJ.
I checked the date on my online banking and I paid parking eye on that day with an amount for all day parking.
1. I am going to appeal this however should I write to parking eye first explaining the situation that I was unaware of the parking notice/CCJ but did pay for parking on that day and ask them to set the case aisde by consent?
2. If you don't think this is worth while or if I do not hear from them in 14 days I would apply for the CCJ to be set aside. If this is the case I have seen examples of the witness statements that I can edit to my circumstances. What are the chances for my grounds for it be set aside? I never received any letters (I had only moved into my new house on 10 days prior) and I didn't set up mail forwarding nor was my address updated on the electrol roll (arguments others have used). I do feel I have a prospect of defence given I paid.
3. My partner thinks I should contact a lawyer to help deal with this as my grounds for having it set side aren't very strong and feels they me able to give more guidance, but this seems like an expensive prospect! However I do see advantage in that I find a lot of this legal speak/documentation quite confusing and am concerned if they send a representative they would understand how to argue this not to be set aside?
Thank you for any help and advice!
I'm in need of some advice/guidance. I read extensively for the past few days on this website and moneysavingexpert to try and get my head around this whole crazy system.
I did a credit check last week as I want to apply for a mortgage as a first time buyer. I found out that I have a CCJ. I rang Northampton county court who provided me with the following;
Parking notice from parking eye at Sunderland hospital on September (failure to pay for parking) and was issued 7 days later. The CCJ is from 01/16 for £167.
The initial parking notice charge and the court documentation must have all gone to my old address as this is the first I have heard about. I moved to a new house on 10 days prior to event.
I have since being at this new address appealed (and won) two other parking notices from parking eye however they never mentioned this outstanding parking notice/CCJ.
I checked the date on my online banking and I paid parking eye on that day with an amount for all day parking.
1. I am going to appeal this however should I write to parking eye first explaining the situation that I was unaware of the parking notice/CCJ but did pay for parking on that day and ask them to set the case aisde by consent?
2. If you don't think this is worth while or if I do not hear from them in 14 days I would apply for the CCJ to be set aside. If this is the case I have seen examples of the witness statements that I can edit to my circumstances. What are the chances for my grounds for it be set aside? I never received any letters (I had only moved into my new house on 10 days prior) and I didn't set up mail forwarding nor was my address updated on the electrol roll (arguments others have used). I do feel I have a prospect of defence given I paid.
3. My partner thinks I should contact a lawyer to help deal with this as my grounds for having it set side aren't very strong and feels they me able to give more guidance, but this seems like an expensive prospect! However I do see advantage in that I find a lot of this legal speak/documentation quite confusing and am concerned if they send a representative they would understand how to argue this not to be set aside?
Thank you for any help and advice!
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