A County Court Judgment (CCJ) does not just happen—it follows a clear legal process. If someone gets a Parking Charge Notice (PCN) from a private parking company, here's what happens step by step:1. Parking Charge Notice (PCN) Issued• The parking company sends a letter (Notice to Keeper) demanding money.
• This is not a fine—it’s an invoice for an alleged breach of contract.
2. Opportunity to Appeal• The recipient can appeal to the parking company.
•If rejected, they may be able to appeal to POPLA (if BPA member) or IAS (if IPC member).
• If an appeal is lost or ignored, the parking company demands payment.
3. Debt Collection Letters• The parking company might send scary letters or pass the case to a debt collector.
• Debt collectors have no power—they just send letters and can be ignored.
• No CCJ happens at this stage.
4. Letter Before Claim (LBC)• If ignored for long enough, the parking company (or their solicitor) sends a Letter Before Claim (LBC).
• This is a warning that they may start a court case.
• The recipient has 30 days to reply before a claim is filed.
• No CCJ happens at this stage.
5. County Court Claim Issued• If ignored or unpaid, the parking company may file a claim with the County Court.
• The court sends a Claim Form with details of the claim and how to respond.
• The recipient has 14 days to respond (or 28 days if they acknowledge it).
• No CCJ happens at this stage.
6. Court Process• If the recipient defends the claim, a judge decides if they owe money.
• If the recipient ignores the claim, the parking company wins by default.
• No CCJ happens yet unless the recipient loses and ignores the court.
7. Judgment & Payment• If the court rules that money is owed, the recipient has 30 days to pay in full.
• If they pay within 30 days, no CCJ goes on their credit file.
• If they don’t pay within 30 days, the CCJ stays on their credit file for 6 years.
Conclusion
CCJs do not appear out of thin air. They only happen if:• A parking company takes the case to court.
• The person loses or ignores the case.
• The person fails to pay within 30 days.
If you engage with the process (appeal, defend, or pay on time), no CCJ happens.
Are you satisfied that the address they are using is the one you will use for service of documents? If not, you will need to respond and inform them that they need to use your other address for service. If not, then you can just wait for the actual N1SDT Claim Form to arrive.Yes it’s fine, I don’t mind if they go to London or Bristol one as long as they do get delivered... I am at both pretty much every other day so it’s no difference.
Additionally, the claimant’s bulk litigator, Moorside Legal, is known to issue claims that breach CPR 16.4(1)(a) by failing to include a clear statement of facts in the Particulars of Claim (PoC). Based on persuasive appeal case law, including CEL v Chan [2023] and CPMS v Akande [2024], it is highly likely that the first claim will be struck out at the allocation stage for failing to comply with CPR 16.4(1)(a). Therefore, it is expected that the first claim will not proceed to a hearing due to these procedural errors.I am happy and want to go with option 2 but I have to be honest, I would need a bit more hand holding throughout the process as I struggled to follow the detail. I understood that this could have been combined into 1 claim as they are basically the same allegation happening on 2 different dates. That alone will be my defence to struck the 2nd claim correct?
Yes, you wait for an LoC. Ignore all debt collection correspondence. It is to be ignored. We don't need to know about it.
An LoC or the actual N1SDT Claim Form from the CNBC s what we need to know about.
Yes, you wait for an LoC. Ignore all debt collection correspondence. It is to be ignored. We don't need to know about it.
An LoC or the actual N1SDT Claim Form from the CNBC s what we need to know about.
No. It means that if crucial correspondence that requires a timely response are not received, at least within the required timeframe, you could end up receiving a claim that you are not aware of and if not responded to by the required deadlines, the claimant can request a CCJ by default.
You need to make it absolutely clear to Moorside Legal, which address they must use for service of documents. It doesn't matter which one you choose as long as it is one where you can receive timely notification.
If Moorside Legal are using an address that you do not wish to use as an address for service of legal documents, you must immediately send a Data Rectification Notice to the DPO of Moorside Legal and instruct them to update their records with your address for service and for them to erase any other address they hold for you.
The highlighted words are there for a reason and you must use them in your notice. The contact details for the DPO will be in their privacy policy statement on their website.
What Acknowledgement of Service (AoS)? An AoS is an official response to an actual N1SDT Claim Form being issued. You have not yet received a Claim.
Also, why exactly do you mean "...they were sent to a temporary location in London..."? Was the LoC sent to the same address that the vehicle is registered at and you are the Registered Keeper? Are you suggesting that they possibly hold two separate addresses for you?
Not sure if this is because I submitted my AoS or their standard practice.
These were also sent to a temporary location in London, and not where the car is registered.
The first Notice to Keeper (NtK) is not PoFA compliant and judging by the date of the contravention and the date of the reminder of the second one, neither is that one.
They only know that you are the Keeper and have no idea who the driver is. There is no legal obligation on the Keeper to identify the driver. As the NtKs are not PoFA compliant, only the driver can be liable.
If this goes any further, they would get spanked in court if they tried to sue the Keeper.
So, in the words of Dads Army… “Don’t tell ‘em your name Pike”.
Under no circumstances is the driver to be identified, inadvertently or otherwise, if you want this to eventually go away.
Welcome to FTLA.
Can you please show us the letter you have received from Moorside Legal?
As a semi-related aside: I note your comments about splitting your time between two places of residence. If this arrangement means you are away from the address where your vehicle is registered for extended periods, then you need to consider some means by which you can receive and respond to post in a timely manner.