1. Parking Charge Notice (PCN) Issued The parking company sends a letter (Notice to Keeper) demanding money.
This is not a fineits 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 powerthey 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 dont pay within 30 days, the CCJ stays on their credit file for 6 years.
