FUBAR. This was so easily dealt with if you'd not submitted that appeal. It is not irrecoverable though. If you follow the advice, you won't be paying a penny to CPM.
TI’m tempted to just pay the 2 fines as I’m worried about a potential County Court judgment's impact on my credit score, but also just feel really ill spending upwards of £120 when we have so many other expenditures.
Exactly what these rogue, unregulated private parking companies want you to think. They rely on you being low-hanging fruit on the gullible tree and will pay up out of ignorance and fear.
You obviously have no idea how a CCJ is obtained and, like so many people come to the wrong conclusions and fall into the parking companies trap. Before we go any further and clean up this mess you've made for yourself by rushing to appeal and throwing away the best defence you had, which was not identifying the driver, this is the process that must be gone through to get a CCJ on your credit record and nothing we advise on will ever let that happen:
A Threat of a CCJ Cannot Instantly Affect Your Credit Record
1. Debt Collection and the Long Process Before a CCJ
• Before a County Court Judgment (CCJ) can even be considered, a parking company or creditor will typically send months' worth of meaningless letters from Debt Recovery Agencies (DRAs).
• These DRAs have no legal power—they cannot take you to court, send bailiffs, or affect your credit record. Their only purpose is to pressure you into paying.
• Ignoring these letters does not result in a CCJ.
2. The Legal Process Before a CCJ Can Be Issued
• If the creditor decides to escalate, they must send a Letter Before Claim (LoC) giving you at least 30 days to respond.
• If ignored, they may file a claim with the County Court, after which you will receive a Claim Form.
• You then have 14 days to respond (or 28 days if you acknowledge the claim and request time to prepare a defence).
• If you defend and win, no CCJ is issued.
• If you ignore the claim or lose in court, the CCJ is recorded.
The Timeline – Over a Year Before Any Impact
• From the first debt letter to a potential CCJ, the process can take over a year.
• Until a CCJ is formally issued, nothing appears on your credit file, and your credit score remains completely unaffected.
How to Prevent Any Credit Impact
• Even if a CCJ is issued, you can pay it in full within 30 days, and it will be completely removed from your record as if it never existed.
• This means no lasting damage to your credit.
Summary
• Debt collectors cannot issue a CCJ and have no legal power.
• A court claim takes time and can easily be defended.
• It does not affect your credit score unless a CCJ is issued and left unpaid beyond 30 days.
• If paid in time, the CCJ is removed entirely (expunged), with no impact on your credit record.