What kind of chemistry do you have with your car? Love it? Loathe it? Let us know and you could win a £300 John Lewis voucher | No thanks
Ask a Question

If a CCJ rules against me and I refuse to pay, will my credit file be affected?

I've been taken to court for non-payment of a parking fine by a private company. While there is lots of information available about how to get out of paying a parking fine, I can't find much information about what to do once it actually goes to court. I believe the company were profiteering, sitting in the cafe or a car opposite waiting to sting people once they had changed the parking restrictions outside a shop without adequate signage. Where can I get advice about how to present my evidence so as to win the case? They threaten that my credit file will be affected. Is this true if they rule against me or is this only true if I refuse to pay the ruling? That's my main concern here. I want to protect my credit rating as the priority. I will consider just paying the fine out of court if my credit file is automatically affected, but will keep going with my defence if I can still pay the penalty at judgement without my credit file being damaged.

Asked on by

The law is on their side, but if you can prove that the parking restriction signs were inadequate then you might win: www.honestjohn.co.uk/faq/private-parking-penalties/ If a County Court Judgement (CCJ) is made against you and you fail to pay then that will affect your credit rating. It should not if you pay up. However, when asking for credit you will always be asked if there are any CCJs against you and it's obviously better if there aren't.
Similar questions
I've been charged £100 for overstaying in a McDonalds car park on the A12. I've appealed both to McDonalds (I was in the "restaurant" the whole time) and MET parking. They claimed there were time limit...
Are parking charges of £70 enforceable when the only reason I didn't get a ticket is because the machine wasn't working? I'm 82 years of age and could not possible have walked to another floor to purchase...
I got a PCN because of an expired ticket. The parking machine didn't accept the new pound coins and there is no note saying that this machine does not accept the new pound coins. Because the machine didn't...
 

Ask Honest John

Value my car