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I am just wondering if someone can give me some advice please?
I recently found out that VCS have issued a default CCj judgment of £277 on my account in regards to an apparent parking fine in 2020.
I only discouvered this, after checking my credit score, so I rang the county court for details. It appears VCS had sent all correspondence to an address that I have not lived at for over 4 years. It was relating to a parking fine for a scooter that i used to own, but that my daughter had taken ownership just before we moved house. She filled in the DVLA V5C for new owner and posted it off. She never received a new V5C but admittedly, we didnt think to chase it up as we moved house. Consequently i didnt ever receive any fine relating to this and a CCJ was registered against me.
I submitted a N244 form and paid the court fee asking to set the judgement aside as I never received the fine or papers and was therefore not able to pay and settle the fine.
My application has been accepted and I have a court date (via telephone) on 28 August. However I have now received an email from a company called ELMS Legal Ltd saying if I pay the original fine of £277 they will draft a consent order to present and have assured me that the CCJ will get dismissed and i will incur no further costs.
Am I better off just taking it to court now as I have paid the court fee to get the judgement set aside or pay them and hope it comes off my file ASAP. I’m also sceptical of paying and then it looking like Iv agreed I’m in the wrong and the judge only making ccj as settled rather than removing off my file. I am a single mum of a disabled child and i have worked really hard to improve my credit rating following a divorce and this has really thrown me.
Any advice would be greatly appreciated
thank you
