How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • Go back-and-forth until satisfied
    Rate the answer you receive.
Ask Jo C. Your Own Question
Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 77077
Experience:  Over 5 years in practice
12826847
Type Your Law Question Here...
Jo C. is online now

Ive found out purely by chance that ive got a ccj from a non

Customer Question

Ive found out purely by chance that ive got a ccj from a non paid parking fine dating back to last year while parking at my gp surgery, they had just set up the system and I didn’t know. Ive recieved no paperwork, i only know now because i contacted the court to find out what the ccj was for. So ive got an outstanding bill of £291 but i dont feel this is fair as i had no idea about any of it. Is there anything i can do? Can bailiffs turn up to my home? Thanks
Submitted: 6 months ago.
Category: Law
Expert:  Jo C. replied 6 months ago.

Hi, welcome to JustAnswer. My name is*****’m a barrister with 12 years of experience and I am happy to help with your question today.

Expert:  Jo C. replied 6 months ago.

do they have the right address for you?

Customer: replied 6 months ago.
Customer: replied 6 months ago.
No thank you to the call
Expert:  Jo C. replied 6 months ago.

What is the date of it?

Customer: replied 6 months ago.
June 2019
Expert:  Jo C. replied 6 months ago.

If there is a valid basis upon which the claim may be contested, like a dispute over liability, then you do have the option to apply to set aside the judgment.

You can do that using the N244 forms although there is a fee. The application will be heard fairly quickly but you can also request that the execution is stayed in the meantime.

If judgment is set aside there will no longer be a debt although it may be brought again.

If you apply to set judgment aside you should draft your intended defence and give it to the court as part of your application.

A good idea is to ask the creditor if they agree with the application. Often they will and then it is almost automated. If they do agree, write to them confirming the agreement and copy it to the court.

Can I clarify anything for you?

Customer: replied 6 months ago.
What do you mean the debt maybe brought again?
Who is the creditor? You say ask the creditor if they agree with the application
Expert:  Jo C. replied 6 months ago.

They may sue again.

Customer: replied 6 months ago.
What happens if i dont do anything? If i dont pay it or contact the court? Should i have been summoned to court for this?
Expert:  Jo C. replied 6 months ago.

Then they may enforce using bailiffs and you will have a CCJ.

Customer: replied 6 months ago.
I already have a ccj though
Customer: replied 6 months ago.
i was never informed of a court date for the ccj is that normal?
Expert:  Jo C. replied 6 months ago.

No, but this is all covered above.

Customer: replied 6 months ago.
Its very underhand what if they say they wrote to me and i say they didnt, what view do the courts have on that do you know?
Expert:  Jo C. replied 6 months ago.

I have made a further offer.

Customer: replied 6 months ago.
I cannot speak on the phone now
Expert:  Jo C. replied 6 months ago.

No, I know.