Drive Time Motors Ltd v Creditsafe Business Solutions Limited

Facts

Drive Time Motors Ltd (DTML), a used car dealer incorporated on 16 April 2025 with Nicky Gary Baxter as director and its address at Greenleas Farm, London Road, Billericay, complained about the business credit profile published by Creditsafe Business Solutions Limited, a licensed credit reference agency. Creditsafe had received from Registry Trust Ltd (RTL), which operates the official public register of judgments, details of six county court judgments naming variants of "Drive Time" at the Greenleas Farm address. Creditsafe recorded three as "exact" matches to DTML and three as "possible" matches; on its evidence, only exact matches affect risk score or credit limit. DTML accepted one exact match but contended that the true judgment debtor in the other five cases was a separate company, Euro Trader Limited (ETL), which had shared the same address and, at various times, the same directors. By an N244 application filed on 17 June 2026, issued on 3 July 2026 and served on 20 July 2026, DTML sought an interim injunction requiring Creditsafe to suppress or delink the five disputed entries or, alternatively, to quarantine them as "disputed and unverified" and exclude them from any risk-score output. DTML relied on a letter from Kapital Finance of 28 May 2026 as evidence that the entries were preventing it obtaining funding, and produced three Euro Trader invoices. No claim had yet been issued. The application was heard by Fordham J in the Urgent Applications Court, with Mr Baxter appearing for DTML as a company director.