Free Traffic Legal Advice

Thank you for your time and advice.

regards PO

Ignore useless debt recovery letters. They are powerless to do anything except try and make the low-hanging fruit on the gullible tree pay up out of ignorance and fear.

Do you have any understanding of how someone gets a CCJ? Nothing we advise on here will make anyone get a CCJ.

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.

Hello,

I received another letter (delivered yesterday) from Debt Recovery Plus demanding £170 or make contact in 7 days or if ignored they write 'legal recovery actions will begin and the right to appeal will be lost by not responding'.

Also included was a 'Terminal Notice Pre-Legal Action' letter - listing a load of criteria that would support  potential legal action and also referring to the online sites suggesting private parking charges don't need to be paid that this is not the case provided their criteria listed on the letter are met.

Is there a chance I may end up in court needing to defend myself  - I cannot say I am not a little worried now.

kind regards

PO


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Hello,

I see you are away - anyhow for the record I have received today another letter with more threats

copy attached.

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Hi

For the record - I received the following letter (and of course I refer myself to your post
#18 )

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Once again, I refer you to the first paragraph in the response given in post #18.