Fines & Penalties
What to do about parking tickets, speeding fines, and court notices.
What happens if I ignore a County Court claim form?
Ignoring a court claim is the fastest way to get a CCJ. You lose the right to defend yourself and the creditor can use bailiffs or take money from your wages immediately.
What happens if I'm taken to court for debt?
A Court Claim (CCJ) is serious, but you have 14 days to respond. Ignoring it guarantees you lose.
What happens if I don't pay my TV licence?
It is a criminal offence, but it is not a 'recordable' one. You face a fine of up to £1,000 (plus costs), but you CANNOT go to prison just for not paying.
What happens if I receive a Single Justice Procedure notice?
SJP notices are used for 'minor' offences like TV licence evasion or speeding. One magistrate can convict you in private without you being in court.
What happens if bailiffs turn up at my door?
Don't panic. Bailiffs (Enforcement Agents) have less power than you think. In most cases, they CANNOT force entry into your home. The most important rule is: DO NOT OPEN THE DOOR.
What happens if I don't pay a Parking Ticket?
Private parking tickets are different from Council PCNs. Council tickets are law; private tickets are contracts. Never ignore a Council ticket, but ensure private ones are actually valid.
What happens if I ignore a Speeding Fine?
Speeding penalties are calculated based on your speed vs the limit (Band A/B/C) and your weekly income. Ignoring the 'Notice of Intended Prosecution' is a separate, more serious offence.
What happens if I don't update my address?
Forgetting to update your V5C (Logbook) is the #1 cause of 'Ghost CCJs'. A £2.50 toll charge can turn into a £500 bailiff visit just because you didn't receive the letter.
What happens if I drive without insurance?
The consequences of an IN10 conviction: 6-8 points, £300+ fine, vehicle seizure, and the risk of license revocation for new drivers.