Judgement for Claimant (in default) letter from County Court Business Centre.

[Scoot2022]

Hi,
I have just opened a letter as titled above; which is addressed to my son and appears to relate to a CCJ!

The Claimant is a company named UK Parking Control Ltd, and the payment Name (also a company) DCB Legal Ltd. There is a court office address stated at St Katherine's Street, Northampton.
Should you require further information I can post an image of the single page received for reference.

Firstly, is this a scam or is it genuine? If the latter, I presume this is an error as we have not received any correspondence relating to this at all. Secondly, what action would you suggest taking?
Finally, there is a 0300 tel number listed, should this be the first point of contact?

Regards.

[R0b]

Hi

Very unlikely to be a scam. UK Parking Control Ltd is a real company as is DCB Legal Limited and it sounds like your son got a parking ticket probably sent to an old address as he failed to update is DVLA details.

Your son will need to deal with this but he will need to contact the court and get a copy of the claim form sent to him so he can understand what the case against him is about. A subject access request to UK Parking Control and DCB Legal would help assist with where the letters were sent to.

[Scoot2022]

Hi

Very unlikely to be a scam. UK Parking Control Ltd is a real company as is DCB Legal Limited and it sounds like your son got a parking ticket probably sent to an old address as he failed to update is DVLA details.

Your son will need to deal with this but he will need to contact the court and get a copy of the claim form sent to him so he can understand what the case against him is about. A subject access request to UK Parking Control and DCB Legal would help assist with where the letters were sent to.

Many thanks for your note. I'm sure the only address he would have on the DVLA records are for our address, hence my surprise at receiving this!

[AndrewC]

What is the date of the CCJ? If it's less than a month old, your son may be better off paying it in order to get it removed from his credit report.

Your son should check whether DVLA has the right address for the car, irrespective of whether they've got the right address on his licence. https://www.gov.uk/change-address-v5c

It's possible that they sent court papers to an old address and then discovered the correct address after issuing the claim.

There would be very good grounds to have the CCJ set aside but, as I say, you may find it's easier and cheaper to pay it if it's less than a month old.

I'm writing a book about how to remove a CCJ. I set out an extract below:

Paying the CCJ within a month will remove the entry from your credit report

If you pay the full amount of the CCJ within a month, it will be removed from your credit report. It's as though the CCJ never existed. This will almost certainly be the best option if you admit the claim. Should you pay the CCJ if you dispute it?

Even if you dispute the CCJ, it may still be better to pay it within a month, particularly if it's only for a small amount (such as a parking fine). That's because the consequences of having the CCJ on your credit record could be much more costly than the amount of the CCJ itself.
It may be advisable to pay it but let the claimant know that you're only paying it to get it removed from your credit record and/or that you intend to take action to claim the money back from them once the CCJ has been removed. Informing the court

Often the claimant lets the court know that you’ve paid the CCJ in full. The court then updates the Registry Trust, who will remove the entry from the Register of Judgments, Orders and Fines.
If the claimant doesn't tell the court, they won't know. So, when you pay, ask the claimant to confirm that they've told the court. Otherwise, the CCJ will remain on your credit record.
Unfortunately, claimants aren’t legally obliged to tell the court you’ve paid. If the claimant doesn't so so, you can inform the court yourself. The best way to do this is by applying for a Certificate of Satisfaction or Cancellation, using form N443, which you can download here:
https://www.gov.uk/government/public...r-cancellation
You will need to provide evidence of payment, such as a receipt from the claimant or a copy of your bank statement.
If you don’t have evidence of payment, the court will ask the claimant to confirm you've paid. If the claimant acknowledges that you've settled the debt or doesn't reply, the court will accept that you've paid in full and update the Registry Trust. Provided you paid within a month, the CCJ will be removed from the Register. What happens if you pay after a month?

If you pay the total amount after a month from the date of the CCJ, you can apply to the court to have the judgment marked as satisfied, using Form N443 (see above).
The CCJ will be marked as 'satisfied', which may improve your credit score and make it slightly easier for you to obtain credit.
However, you will still experience most of the problems associated with having a CCJ on your credit report.