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The Times - unpaid parking fine CCJ case study

ended 27. July 2026

The Times are looking for a case study of a borrower who has had issues getting a mortgage due to a CCJ resulting from an unpaid parking fine. If you can supply one, you'll feature in the piece they're writing - just reply to this News Alert and we'll be in touch. The case study will ideally be named and supply a picture but at a push they could be interviewed by the journalist and remain anonymous.

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Editor
Harvey Dhillon
Founder & CEO at Zmartly
A judgment for a parking charge looks just like one for a serious debt. Your mortgage lender cannot tell which is which. A parking charge is not a fine. It is a company's bill. The first letter looks like junk mail, often to an old address. Then the company sues. You do not reply, so the court rules against you automatically. The parking is never argued. The judgment goes on a public register that lenders check. It has never named who sued you. A rule change this month means the name will show from October. It still does not say what the debt was for. Pay in full within one calendar month and the entry comes off the register. That month runs from the judgment date, not the day you find out. Miss that month and it stays 6 years, marked as paid. You can apply to set the judgment aside. It is not automatic. You need a real defence, you must be quick, and there is a fee. A first-time buyer with clean credit can be turned down over a car park. That is out of all proportion.