06-13-2026, 03:47 PM
@Barbudaprince, the BW Legal letter is just a standard "we intend to proceed" letter. It is not a court order, it is not a judgment, and it does not require you to pay or contact them.
The references to CCJs are there to intimidate you. A CCJ does not arise simply because BW Legal says so. UKCPM would first have to take the claim to a hearing, win, obtain judgment, and then you would have to fail to pay the judgment within the required time. If a judgment were ever made and paid within one calendar month, it would not remain registered on your credit file. It is expunged and, in effect, never existed.
Do not admit the claim. Do not agree a payment plan. Do not contact BW Legal to explain anything. There is no tactical advantage in engaging with them about the merits of the case at this stage.
The important point is that BW Legal are already acting in another live UKCPM claim against you concerning the same residential site and same parking regime, listed for 26 August. That is not something to argue with BW Legal about now. It is a case-management point to raise with the court when the Directions Questionnaire stage arrives, by filing a short covering note with the N180 and copying BW Legal.
For now, wait for the court to send the N180 Directions Questionnaire. When the DQ arrives, we can file it with a short note asking the court to consider the related live proceedings and whether this second claim should be stayed, listed with or after the existing claim, or otherwise case-managed to avoid duplicated proceedings and inconsistent findings.
The references to CCJs are there to intimidate you. A CCJ does not arise simply because BW Legal says so. UKCPM would first have to take the claim to a hearing, win, obtain judgment, and then you would have to fail to pay the judgment within the required time. If a judgment were ever made and paid within one calendar month, it would not remain registered on your credit file. It is expunged and, in effect, never existed.
Do not admit the claim. Do not agree a payment plan. Do not contact BW Legal to explain anything. There is no tactical advantage in engaging with them about the merits of the case at this stage.
The important point is that BW Legal are already acting in another live UKCPM claim against you concerning the same residential site and same parking regime, listed for 26 August. That is not something to argue with BW Legal about now. It is a case-management point to raise with the court when the Directions Questionnaire stage arrives, by filing a short covering note with the N180 and copying BW Legal.
For now, wait for the court to send the N180 Directions Questionnaire. When the DQ arrives, we can file it with a short note asking the court to consider the related live proceedings and whether this second claim should be stayed, listed with or after the existing claim, or otherwise case-managed to avoid duplicated proceedings and inconsistent findings.
Never argue with stupid people. They will drag you down to their level and then beat you with experience. - Mark Twain
