Author Topic: Gladstones Solicitors (for National Parking Management LTD) have issued CCJ  (Read 434 times)

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jayudd

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Dear all,

Abit of a panic currently.
Registered keeper did not know that there was a civil action underway because the letters went to the wrong address, for example, the RK lives at 60 Noman's Street, but the letters went to 60A Noman's way. RK was given the letters a little late (don't ask).

Some context, the RK did not know the land in question where the vehicle was parked, was a private land thus missed paying. When receiving the first letters from Gladstones, it said to contact them within a specified period of time. However, the RK was not able to get through, and before the time period lapsed, a LoC was issued. RK sent the acknowledgment form by email and the defense some days later. Unfortunately, when sending the defense, it was still in the outbox, to which why there was a CCJ issued.

Is there any way of setting aside this judgement please?

HM Courts and Tribunal sent a letter on 10th Dec and Gladstone's letter was dated 11th. The latter stated to pay £288.56 within a month of the letter.

What recourse does the RK have?

Thanks in advance.

JayU

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DWMB2

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So that we know exactly what you have received when it would be helpful to see:
  • The Claim Form from the court
  • The letter you received from court (10th December)

jayudd

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Hello DWMB2

Thank you for replying.
I will upload the requested:

Claim Form from the Court:

Page 1:


Letter from HMCTS dated 10/12/2024:

Page 2:

One other thing, page 2 of the HCTS letter/judgment, it says I did not reply to the claim form. I did fill in page 7 of the Claim form and emailed it to CNBC. Just my defense did not send. Is the defense what 'you did not respond' is referring to?

Do let me know what can be done - thank you ever so much!

Jay U
« Last Edit: January 08, 2025, 09:01:38 am by cp8759 »

b789

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Please delete all those images except the first page of the claim form with the Particulars of Claim (PoC) and the Judgment of Claimant page. Everything else is irrelevant and I, for one, don't want to have to scroll through useless pages of forms that contain no useful information.

You received an N1SDT Claim Form from the CNBC that was issued on Monday 4th November 2024. You had until 23rd November 2024 to submit a defence or an Acknowledgement of Service (AoS) which would have extended the deadline for submitting a defence to 4pm on Monday 9th December 2024.

You state: "I did fill in page 7 of the Claim form and emailed it to CNBC. Just my defense did not send. Is the defense what 'you did not respond' is referring to?"

Page 7 is only your details. The defence would be on pages 5 and 6. What exactly do you mean by "my defence did not sent"? If you only give us bits of information, this is going Tobe an extracted process. What email address did you use? Did you CC in yourself to the email? Did you receive an auto-response from the CNBC acknowledging receipt of your email?

According to the Judgment, you did not respond to the claim. Either you did not actually send it to the correct email address or it filed to send or you did not correctly attach the defence to the email. Somewhere along the line, it appears you SNAFU'd the process.

Depending on your answers, we will advise accordingly. So far, it appears that the claim was correctly submitted by the claimant. Had a proper defence been submitted, the claim would have most likely been struck out at allocation stage as the PoC are woefully inadequate and fail to comply with CPR 16.4(1)(a).
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

jayudd

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Dear b789.

Thank you for your response.
I tried to edit but was unable to locate the edit function. I have reported this to the mods to see if they can help. Apologies, thought I'd post everything so nothing gets missed. Good for next time.

I sent the AOS (page 7 filled in) to the following email: aos.cnbc@justice.gov.uk
I received an automated message but nothing more from them courts.

OK, so I did not complete pages 5 and 6, looking back it now, I thought that was only for counterclaiming, and nothing to do with a defence. Damn it.

Please let me know what can be done at this stage.
Feel like a right mug!

Thanks.

b789

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The AoS is only to give you an extended time to submit your defence. By not submitting a defence, the claimant has triggered the default CCJ option.

It is a pity because the PoC in that claim are not compliant with CPR 16.4(1)(a) and had it been defended pointing that out, it would have been struck out. Unfortunately, as it has not been defended and a default CCJ issued you have limited options.

You’ve missed the deadline to file a defence because of a misunderstanding of the claim form, which led to a default judgment being issued against you. You now need to consider applying to set aside that judgment under CPR 13.3, which allows the court to set it aside if you have a real prospect of successfully defending the claim and if you’ve acted promptly once you became aware of the judgment.

While you do have a good argument that the Particulars of Claim were defective and didn’t comply with CPR 16.4(1)(a), meaning you have a reasonable chance of defending the claim, you need to be aware that the court has discretion to either grant or refuse your application. It’s not guaranteed that the court will set aside the judgment, and the court could take a negative view if they think you didn’t follow the process carefully enough when the claim was first issued. The court may see the misunderstanding of the form as a lack of due diligence on your part.

However, the court must also consider the overriding objective of the Civil Procedure Rules, which is to ensure that cases are dealt with justly and fairly. This includes ensuring that both parties are on an equal footing, that cases are handled proportionately to the complexity and importance of the issues, and that unnecessary costs are avoided.

In your case, you can argue that justice would not be served if a default judgment is allowed to stand on a technicality, especially given that you have valid grounds to defend the claim and the Particulars of Claim were defective from the outset. The overriding objective encourages the court to look beyond procedural mistakes if there is a real prospect of a defence succeeding and if refusing to set aside the judgment would result in an unjust outcome.

This is where you have a strong point. The claimant issued a poorly drafted claim that did not comply with the rules, and the court has not scrutinised it at all before the claimant automatically entering a default judgment. If you had been given the chance to defend the claim, you could have applied to strike it out for non-compliance with CPR 16.4, and the claim may never have progressed to a hearing.

In making your application, you would need to emphasise that you have acted promptly after learning about the judgment and that you are making the application in good faith. You’re not trying to delay matters or frustrate the claimant but simply seeking to correct a procedural mistake that shouldn’t be allowed to result in an unfair judgment.

That said, you should be aware that a set-aside application under CPR 13.3 is not guaranteed to succeed. The court will weigh up whether your misunderstanding of the process was reasonable and whether you’ve acted quickly enough to remedy the situation. You’ll also need to factor in the cost of making the application which is £303. There’s a risk that you’ll pay those fees and still lose the application, leaving you out of pocket and still subject to the judgment.

Alternatively, you can pay the CCJ in full within one calendar month of the date it was issued, which would result in the judgment being removed from your credit record. Given that the amount owed is £288.56, this could be a more practical and less costly solution than pursuing an uncertain set-aside application.

Ultimately, the decision comes down to whether you’re willing to risk the court fees in the hope of having the judgment set aside. You have strong legal arguments, but because the court has discretion, there’s no way to guarantee success. If you feel the court might take a dim view of your misunderstanding of the form, paying the judgment quickly may be the most sensible option.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

b789

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Just to add... I have discussed this with a judge and, based on the limited facts I gave him, he said he would set aside the judgement but wouldn’t award the application fee. Financially, you would therefore better off just paying the debt and having done with it.

Because there is a good likelihood that the CCJ would be set aside, there is one other option which is to request a set aside with the claimant's consent. This approach is generally quicker and less expensive than a contested set-aside application, and it reduces the risk of your application being refused by the court.

You would contact the claimant through Gladstones and ask them to agree to set aside the CCJ by mutual consent. If the claimant agrees, you and the claimant would both sign a Consent Order, which confirms that both parties agree to have the judgment set aside.

You would then submit the Consent Order to the court along with Form N244 and pay a £119 fee (this is cheaper than the £303 fee for a full hearing). The advantage of this option is that the court is more likely to accept a set aside with consent, since both parties are agreeing to it. It’s also a much faster process because there’s no need for a lengthy court hearing.

The advantage of this option is that the court is more likely to accept a set aside with consent, as both parties are in agreement. It’s also a much faster process because there would be no need for a court hearing.

Once the CCJ is set aside, you would have the opportunity to defend the original claim. You have a real prospect of successfully defending it based on your argument that the Particulars of Claim (PoC) are defective and non-compliant with CPR 16.4. The claim could even be struck out entirely for failing to meet the basic requirements of the Civil Procedure Rules.

It’s important to note that even if the set aside is granted but the claim is not struck out immediately, you would still have a strong prospect of successfully defending the claim at a future hearing. Given the significant flaws in the PoC, there is every likelihood that the claim would be struck out later during the defence process. In this scenario, you would be able to ask the court to order the claimant to reimburse you for the set-aside application fee, as the claimant’s failure to comply with CPR 16.4 is what caused the default judgment in the first place.

While this option is worth exploring, bear in mind that the claimant is not obligated to agree to a set-aside with consent. If they refuse, you would need to proceed with a contested set-aside application instead.

Key Points to Consider:

• Consent from the claimant is not guaranteed. If the claimant refuses to agree to a set-aside, you would need to proceed with a contested set-aside application instead.

• This process is quicker and cheaper than a contested application, but only if the claimant cooperates.

•You must act quickly. The CCJ was issued on 10th December 2024, and today is 8th January 2025, so time is running out if you want to apply within one month to avoid the CCJ being recorded on your credit file.

In summary, requesting a set aside with consent is worth exploring, as it could save time and money. However, if the claimant is unlikely to willingly agree, it’s important to have a backup plan to submit a contested set-aside application if needed.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

jayudd

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Dear b789,

First of all, I would like to extend my gratitude for your thorough explanation, of which I understood clarly. And even bigger thanks for going out of your way to ask your judge friend about the prospects of winning.

Given the limited time, can I just email Gladstones and say something like this:

**********

Dear Gladstone,

I refer to the CCJ awarded with the case reference XXXX.

In respect to this judgment, I would like to obtain your claimant's consent and have this judgment set aside.

Should you require any further information, please do not hesitate to contact me.

Best wishes,

Defendant

***********

Couple of questions if I may:

1. If the above is OK, should I sent it by email? Or recorded postage?

2. Given the fact that they may not reply promptly to my consent query, does that mean my time to pay the £288 gets slimmer by the day? Essentially, from Gladstone's last letter, it states that I have to pay within 1 calendar month? If I will be worse off by waiting for a reply and then not being able to pay and remove the CCJ, I may just pay the amount in full and be done. Or can I wait for their reply and even if that reply comes a week or 2 later for example, and they do not consent, can I pay the £288 and still have the CCJ removed albeit paid slightly after 1 month of the CCJ being issued? I would be grateful if you can advise on this please.

3. The option of paying £303 and then contesting to set aside the judgement, is what I wish to do because of the facts of the case highlighted (by b78) and high chance of winning. I understand the risk will be that I won't be able to get back the £303. I wanted to ask - can the £303 be claimed back from the Claimants in a counter claim or any other way?

I greatly appreciate your help on this matter.

Thank you
Jay
« Last Edit: January 09, 2025, 02:07:45 am by jayudd »

b789

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You need to understand the consequences of not paying the CCJ in full within one calendar month of judgment. Once the deadline has passed, the CCJ will be entered into the register and your credit file will be trashed causing untold financial pain. Even if you were to pay it after this deadline, it would remain on the register but be marked as “satisfied”. This is only about one degree less financially painful than if it wasn’t paid.

Even after it is entered on the register, it can still be set aside but would cause you financial problems until the set aside is concluded. If nothing else is done, the CCJ remains on the register for 6 years. Not only would you find it almost impossible to get any credit for such things as a mobile phone contract or a mortgage but things like your car and home insurance premiums would increase significantly.

If you’re sure you want to apply for a set aside, then the CCJ will be on the register for a short period until the set aside is concluded. Shortly after the set aside, the CCJ will be expunged from the register and it will e as though it never happened.

If you are sure you want to initially try for a set aside with consent, your letter needs to be more detailed and you are advised to send it as a PDF file attached to an email to Gladstone. That way it is delivered instantly and is proof of delivery.

We never recommend using recorded delivery. It is slow and if it is not signed for, all you have is proof of non delivery which is not much use. If you absolutely must use the postal service then just get a free “proof of posting certificate” which is free from any post office.

Here is a suggested letter of request:

Quote
Gladstones Solicitors
Unit B
1st Floor
210 Cygnet Ct
Warrington
WA1 1PP

BY EMAIL: enquiries@gladstonessolicitors.co.uk

Without Prejudice Save as to Costs

Re: Claim No. [INSERT CLAIM NUMBER]
Defendant: [YOUR NAME]
Default Judgment Issued: 10th December 2024


Dear Sir/Madam,

I am writing in relation to the above matter, in which a default judgment was entered against me on 10th December 2024. The judgment arose due to my misunderstanding of the claim form, specifically the sections relating to the defence and counterclaim. As a result, I filed an Acknowledgment of Service but did not submit a defence within the required time.

I am now seeking to set aside the default judgment and propose to do so by mutual consent to avoid unnecessary costs and court time for both parties. I am willing to cover the £119 application fee required to submit the Consent Order to the court, and no further costs would be sought from either side at this stage.

This proposal would allow both parties to avoid the time and expense of a contested set-aside application and hearing, and upon the judgment being set aside, I would submit my defence so that the claim may proceed in the usual way.

In making this proposal, I respectfully remind you of your obligations as officers of the court to assist in achieving the overriding objective of the Civil Procedure Rules, namely to deal with cases justly, efficiently, and at proportionate cost. Agreeing to a set aside by consent would save court time, reduce costs, and ensure that both parties are on an equal footing in this matter.

I believe that this is a reasonable and proportionate way forward. Please respond to this proposal within 7 days, by 15th January 2025, so that this matter can be resolved promptly.

Should you choose not to engage with this reasonable request, I reserve the right to bring this letter to the court’s attention in any subsequent application, particularly in relation to the question of costs.

Yours faithfully,

[Your Name]
« Last Edit: January 09, 2025, 03:50:03 am by b789 »
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

jayudd

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Dear b789,

Again, THANK YOU for drafting the letter as you did, honestly thanks! I will send that off.

Just on the question about the costs: if I go down the consent (£119 fee) or contested set aside route (£303 fee) route, can I claim for the fee I would pay depending on the route taken? Claiming back from Claimant/Gladstones that is.

Thank you.
Jay

b789

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Yes, you can claim for the set-aside application fee from the claimant (Gladstones), but whether the court awards it depends on how the set-aside is granted and the circumstances of the case.

If the court grants the set-aside but the claim isn’t immediately struck out, you can still defend the claim and raise the defective PoC issue in your defence. If the claim is eventually struck out later, you can ask the court to order all costs associated with the set-aside and defence be reimbursed, including the set-aside fee.

You may need to adjust the letter requesting the consensual set aside. Since the default judgment arose due to a misunderstanding on your part about the defence deadline — rather than a procedural defect by the claimant (even though the claim is defective) — it’s important to adjust your approach when requesting reimbursement of the £119 application fee.

You'd need to focus on the fairness argument and the overriding objective, highlighting that both parties benefit from avoiding a contested set-aside and that it would be reasonable for the claimant to cover the fee as part of the Consent Order. You’re not claiming that the default judgment was wrongly obtained, but instead framing it as a pragmatic solution to save both parties further time and costs.

As it currently stands, if Gladstones agrees to a consent set-aside, it’s unlikely you’ll be able to recover the £119 application fee unless you explicitly negotiate this as part of the Consent Order itself. However, courts don’t automatically order costs in a mutual consent set-aside, since the agreement implies both parties are covering their own costs to avoid further disputes.

That said, there are ways you can try to recover the fee, depending on the circumstances and how the claim progresses. You'd have to adjust the letter to ask Gladstones to include the £119 reimbursement in the Consent Order. If they refuse to include a costs clause, reserve your right to request costs later.

It will all depend on whether Gladstones agree to a Consent Order at all. If they do, when reviewing a Consent Order, if it looks like the claim is likely to be struck out for defective PoC, you could propose the following clause:

“The claimant shall reimburse the defendant the sum of £119 for the set-aside application fee should the claim be struck out by the court for non-compliance with the Civil Procedure Rules.”

Even if Gladstones refuses to include that clause, you can still raise the issue with the court if the claim is struck out later.

If they refuse to consent to the set-aside entirely, you would proceed with a contested set-aside and request the court to order costs.

These are the scenarios:

• If Gladstones agrees to a Consent Order for the set-aside and the court grants it, but the claim remains live after the judgment is set aside, you cannot automatically recover the £119 fee. In this case, you’ve agreed to cover the cost of the set-aside to correct your own procedural mistake, and no further costs order would typically be made at that stage.

• If the court grants the set-aside and then strikes out the claim because the Particulars of Claim (PoC) are defective or non-compliant with CPR 16.4, you can request reimbursement of the set-aside application fee.

• If the claim remains live after the set-aside but you successfully defend it at a later hearing (or it is struck out for another reason), you can ask the court to award costs, including the set-aside fee, at that point.

The reasoning is that you incurred the set-aside fee as part of your successful defence, and it would be unjust for you to bear that cost given that the claim lacked merit or was procedurally defective.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

jayudd

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Dear b789

Thank you for the below.
So to clarify, should I send the letter you kindly drafted as is and then claim for the £119 during the consent order stage? Or shall I add the clause as you stated above into the letter you drafted and send it off? I understood that the reimbursement should be negotiated in the Consent Order, so the letter you drafted yesterday can be sent off.

Definitely understand, this is dependant on the Claimant agrees.

Thank you,
Jay

b789

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You have a choice. The default CCJ was because of your failure to submit a defence. By requesting a set aside with consent, you are, in effect, reducing your losses for your mistake. The CCJ is for £288.56 and if you can get them to agree to a consensual set aside, you are limiting your actual loss to no more than £119, assuming that the claim is either struck-out or remains live.

Obviously, had you not made the mistake of not submitting a defence, you would have almost certainly had the claim struck out anyway because of the claimants defective PoC and that would have cost you £0. You are now trying to see if you can avoid paying out £119 or at least recovering it if they do agree to the set aside.

The odds of the claimant/Gladstones agreeing to a consensual set aside are low, but you never know. With the odds of a refusal, your only other route would be with a non-consensual set aside which would require a hearing and costs £303. However, in that scenario, you will be able to request your costs to be paid by the claimant, especially if the claim is either struck out there and then or remains live and is defended at a later hearing.

What you can't really afford to do is nothing. Unless you decide to pay the CCJ in full within the one month deadline of the judgment, it is going to have to be dealt with or it will become much more expensive over the next 6 years if not.

1. Do you want to try and negotiate the set aside with consent but maybe put them off accepting by suggesting that the claimant pay or be liable for the costs?

2. Do you want to just try and get them to agree to the set aside and simply reduce your losses?

3. Do you want to go for the set aside and, if needs be, have a full hearing where you will initially have to pay £303 to apply but have a better prospect of recovering that fee as you will have to put in a draft defence which means that it is very likely to be struck out once set aside?

There are no absolute guarantees though. It may come down to "judge bingo". Choose option 1, 2 or 3 and I can adjust the letter accordingly.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

jayudd

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Dear b789,

Thank you for the explanation, always helpful and clear.

I would prefer to go with option 2, but I know the chances of it being accepted are slim. Atleast, we can say that we tried.

If they do not accept, then ofcourse, I will go down the £303 route.

If you don't mind adjusting the letter based on the above, I would be very much grateful.

Thank you.
Jay

b789

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In which case just go with the letter as shown earlier.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain
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