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It seems like it isn’t just the County Courts that likes to pass Judgements.
Welcome to HfP! 😉
It’s not judgement, in my opinion, but rather underlying the fact that now everything is left to algorithms.
Landlord walks in to a bar with a CCJ, and recent high foreign ATM use on his credit card. Anyone want to lend him money??
I mean come on.
Landlord walks in to a bar with a CCJ, and recent high foreign ATM use on his credit card. Anyone want to lend him money??
I mean come on.
Barclays is clearly being entirely unreasonable…! 🙂
Landlord walks in to a bar with a CCJ, and recent high foreign ATM use on his credit card. Anyone want to lend him money??
I mean come on.
Missing the key detail: All repaid in full on the same day.
Besides – I’m not asking for a parking space!
Barclays algorithms are a farce. 15 months ago they wrote to me saying the were going to increase my credit limit in Feb, then 8 weeks later they wrote again saying they weren’t. Then 12 months ago they did the same but this time did increase my limit.
No change in circumstances betwen them deciding to or not. No suspicious transactions just used it as normal on holidays as it’s forex free and for my normal non-amex spending at home. 500-1000 per month always paid off in full.
Don’t try and reason what these companies do, it’s all incomprehensible.
Missing the key detail: All repaid in full on the same day.
Sadly this is irrelevant for these purposes – the mark is on your record regardless.
Missing the key detail: All repaid in full on the same day.
Besides – I’m not asking for a parking space![/quote]
Maybe your credit report will update next month, and they will increase it again…..
Barclays is so mysterious it may just be bad luck.
Correct, which is why I paid it off the same day. There will be a minimal interest charge (less than £1) but I can live with that. This was a sort-of emergency situation where I had little choice in the matter.
I prefer paying with cash abroad where I can, as I feel more comfortable doing this.
If you prefer paying with cash, should you not always have sufficient cash or a way to obtain it from a 0% forex fee card without getting into an emergency situation?
Unless the reason you had little choice in the matter was that you were physically threatened. (If that is the case I am sorry that happened.)
The Halifax Clarity credit card is (or was) sort of advertised as being designed for foreign use, including foreign cash withdrawals. Before there were better options, I often used it for this purpose, always paying off immediately and never being charged fees or interest; the markers on my credit report did not stop me being approved for any credit I applied for.
I recall there was previously a barclaycard which was also designed for travel use. It wasn’t on the market for very long, but it treated foreign cash withdrawals as purchases, attracting no fees and no interest if the entire balance was paid in full as per the normal billing cycle.
That’s the Barclaycard Rewards card. Still available now, but not an option for most here as one of the Avios cards tends to be preferred.
I thought that if you paid off a CCJ immediately it wouldn’t get recorded on your credit file?
It sort of disappears if the judgment is satisfied but its ghost will remain for years. Also, if you apply for credit or a new financial product, you will often be asked whether you have ever had a CCJ against you and they may not ask whether it’s paid or not. Providing false information in this context is of course very serious.
This is factually incorrect – a CCJ (or decree) are essentially just the outcome of a civil court case i.e. A is to pay B X amount. If this is paid in full within 30 days then the person with that CCJ (or decree) can have it removed from the public register. If paid after the 30 days then it can be marked as satisfied but it remains on public records for a period of time (as satisfied)
That’s the Barclaycard Rewards card. Still available now, but not an option for most here as one of the Avios cards tends to be preferred.
Avios is Avios i.e. the currency of IAG (London Airways primarily in the UK) so not that great a deal if not in SE England. There is currently the Nectar conversion option but that’s been devalued already so wouldn’t be surprised if it’s pulled or made very unattractive by IAG as they’ve been haemorrhaging points from Avios to Nectar.
Barclays were right in my eye but hope this gets resolved quickly (hopefully!).
I thought that if you paid off a CCJ immediately it wouldn’t get recorded on your credit file?
It sort of disappears if the judgment is satisfied but its ghost will remain for years. Also, if you apply for credit or a new financial product, you will often be asked whether you have ever had a CCJ against you and they may not ask whether it’s paid or not. Providing false information in this context is of course very serious.
This is factually incorrect – a CCJ (or decree) are essentially just the outcome of a civil court case i.e. A is to pay B X amount. If this is paid in full within 30 days then the person with that CCJ (or decree) can have it removed from the public register. If paid after the 30 days then it can be marked as satisfied but it remains on public records for a period of time (as satisfied)
Surely once a CCJ is published in “The Gazette” it’s there forever. It’s been published and distributed.
@Andrew. – yes, the idea that paying the judgment within 30 days makes it disappear altogether is nonsense. Removal from the register does not make it vanish and, as pointed out above, the question lenders, insurers etc. usually ask is, have you had a CCJ. All these financial institutions will still have the correct answer on record.
Moral of the story is don’t get into a legal fight with parking companies on some ‘principle’ and if you really feel the need to, keep on top of the court process.
This thread has been a huge eye-opener for me. I’m a member of the MoneySavingExpert forum principally for advice on private parking tickets. An often-repeated mantra over there is along the lines of, fight it all the way to court, and even if you lose, worst case scenario is you’ll get a temporary CCJ, pay it off straight away and all’s good.
Following their advice I’m currently at the debt collector letters stage but have not yet received a Letter Before County Court Claim.
I definitely will not now let this get to case.
You should only fight it if you have a valid defence! I’ve got out of a few of these but I had to show that the issuers (one private, one council, one railway) had failed to comply with various legal requirements. It was time-consuming and I only challenged them because of the principle and the fact that I felt I had a good case (all were withdrawn before the court stage, though).
@elucidate – I’m surprised that the site advises pursuing these cases to court on a generalised basis. Any half decent lawyer will tell you to try and avoid litigation (and never to litigate as a matter of principle) as outcomes can be so uncertain and winning defences to these claims aren’t so easy. It’s also rather time consuming and stressful.
Unfortunately these parking people are sharks and highly experienced at litigating parking cases using every trick in the book. They are often highly incentivised as they sometimes pay all the parking revenues less a relatively modest admin fee to the landowner and just make money from penalties. Quite cheap to do these days with ANPR to catch people and very automated litigation processes.
You should only fight it if you have a valid defence! I’ve got out of a few of these but I had to show that the issuers (one private, one council, one railway) had failed to comply with various legal requirements. It was time-consuming and I only challenged them because of the principle and the fact that I felt I had a good case (all were withdrawn before the court stage, though).
Yeah I generally win private parking appeals. This is the first time my penalty got to the regulator (who definitely went through hoops to twist my words and thus rejected me and sided with the landowner).
@Andrew. – yes, the idea that paying the judgment within 30 days makes it disappear altogether is nonsense. Removal from the register does not make it vanish and, as pointed out above, the question lenders, insurers etc. usually ask is, have you had a CCJ. All these financial institutions will still have the correct answer on record.
Moral of the story is don’t get into a legal fight with parking companies on some ‘principle’ and if you really feel the need to, keep on top of the court process.
I’ve worked in banking and never seen ‘have you had a CCJ’ as a question in a credit application nor insurance application – they’re only interested in current (outstanding) judgements and they they get that info automatically from the CRA data anyway.
The CCJ data is held by Registry Trust – gets deleted if paid in the first 30 days, marked as satisfied if paid after that and is deleted after six years even if unpaid.
Do you think they have debtors’ prisons too?
You should only fight it if you have a valid defence! I’ve got out of a few of these but I had to show that the issuers (one private, one council, one railway) had failed to comply with various legal requirements. It was time-consuming and I only challenged them because of the principle and the fact that I felt I had a good case (all were withdrawn before the court stage, though).
Yeah I generally win private parking appeals. This is the first time my penalty got to the regulator (who definitely went through hoops to twist my words and thus rejected me and sided with the landowner).
The English system is fairly poor.
We’d just pop them straight in the shredder unless they’re issued by a UK Police Force.@Fennec – perhaps it’s very nice there, but you are living in La La land. You suggest you are speaking with authority as you’ve “worked in banking” to say you have “never seen ‘have you had a CCJ’ as a question in a credit application nor insurance application”.
Well, as just one example here are the preliminary criteria for the Barclaycard Avios Plus, a popular card on this site:
“You can apply if:
You are aged 21 or overYou haven’t had any Individual Voluntary Agreements, County Court Judgements, and haven’t been declared bankrupt in the past six years”
It’s a shame neither you nor they can spell ‘judgment’ in this context but that question can be found in similar terms in most applications. Financial firms receive notification of the judgments as soon as they are entered and retain that information, even if the judgment is satisfied within 30 days.
Further, suggesting to readers here that it’s a sensible or appropriate approach (without any explanation) to bin or ignore parking tickets not issued by the Police (which are quite rare) is reckless and negligent.
Yeah I generally win private parking appeals. This is the first time my penalty got to the regulator (who definitely went through hoops to twist my words and thus rejected me and sided with the landowner).
Your language implies that you get private parking invoices fairly often. Is it not easier to just avoid private carparks than spend time appealing?
I’ve only ever received two… one was my fault for forgetting to display my permit, I won as the operator did not issue a compliant notice to keeper but had to spend 5 hours researching the topic. The second the signage was unclear but the charge was £35, everything else was compliant so felt it was easier to just pay.
The English system is fairly poor.
@Fennec – perhaps it’s very nice there, but you are living in La La land.
Further, suggesting to readers here that it’s a sensible or appropriate approach (without any explanation) to bin or ignore parking tickets not issued by the Police (which are quite rare) is reckless and negligent.
Given the mention of the “English” system, they probably live in Scotland or Northern Ireland.
In those parts of the UK there is no keeper liability when the private parking operator is unable to identify who parked the car, so such invoices can still be ignored if the parking operator has no evidence of the driver’s identity.
There is legislation in Scotland to introduce keeper liability but there does not appear to be a date for it to come into effect.
Is it actually a CCJ that is negative on your credit if paid within ?28 days. I thought it wasn’t recorded if the courts were used to decide if a debt was valid, and following judgement you promptly paid it off.
Update: as per here:
“ If you pay within one month
If you pay the full amount within one month, you can get the judgment removed from the register.Write to the court to say you’ve paid. You’ll need to send proof of payment from the person or business you owed money to.”
This completely removes it. It doesn’t just mark it as ‘satisfied’ (as explained further down the page)
So is a judgment made in a (County) Court a CCJ?
I know what you mean, but regardless of the legalities, the fact that you owe someone some money and don’t pay it until they take you to court is bound to be a huge red flag for most if not all mainstream credit lenders, i.e. excluding those who specialise in higher risk customers and charge accordingly. Ultimately they don’t care about the circumstances, that’s the way it works.
It may be removed from the register, but the judgement was still made and history isn’t changed.
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