Author Topic: DCBL - Notice of Debt Recovery  (Read 7771 times)

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DCBL - Notice of Debt Recovery
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I have been shown the following letters by the Registered Keeper (RK) of the vehicle concerned:

First dated 28/04/2025:











Second dated 13/05/2025:













Unfortunately this case started on Pepipoo, and so the intervening history is missing.



My recollection is that it was worked out that the "Location:" referred to a building that no longer exists. Sussex House was demolished in 2008, I believe an appeal was made based on that information.



Now three years later, the RK has received these letters, and I was wondering what the best thing is to advise them?


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Re: DCBL - Notice of Debt Recovery
« Reply #1 on: »
Ignore all debt recovery letters. All a debt collector can do is try and persuade the low-hanging fruit own the gullible tree to pay up out of ignorance and fear.

As they are acting on behalf of ECP, you will, eventually, receive a Letter of Claim (LoC) from their sister, bulk litigation company, DCB Legal. Show us the LoC and we will provide a suitable response.

In dues course, they will issue an N1SDT Claim Form from the CNBC. Again, show that to us, redacting only your personal details, the claim number and the MCOL password. Leave all dates visible, especially the issue date.

We will provide instructions and a suitable defence. After several months of some procedure l stuff, the claim will eventually be struck out or they will discontinue and that will be the end of the matter.

As long as you follow the advice here, you will not be paying a penny to ECP.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: DCBL - Notice of Debt Recovery
« Reply #2 on: »

Many thanks.

I will instruct to file the letters and await the next one and come back to me.

Re: DCBL - Notice of Debt Recovery
« Reply #3 on: »
I have just been scanning through the private parking forum, and it looks like DCBL have been quite busy lately.

Have they stepped up their actions?


Re: DCBL - Notice of Debt Recovery
« Reply #4 on: »
Nobody cares about DCBL. They are useless, powerless debt crawlers. Ignore them.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: DCBL - Notice of Debt Recovery
« Reply #5 on: »

Oh I am, don't worry. They don't bother me, not least because it isn't my correspondence anyway.



Just being curious. I haven't been floating around FTLA for quite a while, I was on Pepipoo from 2008 until it died. Since moving away from London, I haven't been so involved with these things. In London I came across quite a lot of cases, but out here not so much. Even the wife has managed to stay out of trouble!! LOL!



Good to see this is still going though. Pepipoo was great and I will not forget the gratitude I felt to the people on the forum then, especially when they helped me get the best part of £500 back after the wife's car was towed by a council.



Anyway consider DCBL dutifully ignored! ;D
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Re: DCBL - Notice of Debt Recovery
« Reply #6 on: »
A minor distinction to be aware of, DCBL and DCB Legal fulfil different roles. DCBL are debt collectors - as b789 correctly notes, they are to be ignored. DCB Legal are a law firm, and if/when they get involved, you should return for advice.
Away from 29th March - 5th April
Posting for the first time? READ THIS FIRST - Private Parking Charges Forum guide | House Rules

Useful Links (for private parking charges):
Protection of Freedoms Act 2012 (PoFA) Schedule 4 | Private Parking Sector Single Code of Practice
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Re: DCBL - Notice of Debt Recovery
« Reply #7 on: »
I saw a video on YouTube by someone about that. 



They claims to be "sister" organisations.



The YouTuber claims that they sell debts between each other to rack up fees. 
https://youtu.be/oer7hzW2gzk?si=yb3BtCJq_qDL_WaJ



I didn't watch it all, it got repetitive, but I got the gist.
He had a CCJ to clear with one of them (DCB Legal), which had a couple of weeks to its due date.
He called them to pay the ~£200, to be informed by DCB Legal they were no longer handling the debt and had sold it to DCBL.
He called DCBL a couple of days later and they said they had bought the debt only two days prior, i.e. on the day he had called DCB Legal, and were now only going accept ~£400 to clear the CCJ.



It all sounded it bit suspect to me, but whether or not he had things right or wrong, it was clear that these companies were between them, an "absolute shower".

Re: DCBL - Notice of Debt Recovery
« Reply #8 on: »
DCBL and DCB Legal are sister companies. They do not "sell" debt between them. They are agents for each other. A private parking company can assign (i.e., "sell") the alleged debt to a third party, but it is relatively uncommon and not the same as simply instructing a debt recovery agency or solicitor to act on their behalf.

Most commonly, the parking operator retains ownership of the alleged debt and merely instructs a debt recovery agency (DRA) or solicitor to pursue it on their behalf. This is not a sale or assignment. The third party acts as an agent, and any payment is forwarded to the parking company (minus fees).

Assignment (Selling the Debt) means the parking company transfers legal ownership of the alleged debt to the third party. The third party becomes the new creditor.

This must comply with section 136 of the Law of Property Act 1925:

• The assignment must be in writing.
• Notice of assignment must be given to the debtor (you/the keeper/driver).
• Only then can the third party enforce the debt in its own name.

If a third party claims to own the debt, request:

• A copy of the Deed of Assignment, or confirmation that the debt was assigned.
• Proof of notice of assignment, sent to you as required by law.

Without this, they are likely just an agent with no standing to sue in their own name.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: DCBL - Notice of Debt Recovery
« Reply #9 on: »
Useful to know, although I do not intend getting into such a situation myself.

Clearly the YouTuber could have faired better had he known this information.

Anyway, all I can do is wait and see what the RK receives next, which could be some time I guess.

Thanks.

Re: DCBL - Notice of Debt Recovery
« Reply #10 on: »

The registered keeper (RK) received these today, I told them to ignore these, but included them here for completeness:













The following was then handed to me, which the RK says arrived today as well. So the above was posted about a week before this and yet arrived together!?

I asked if they had been in the same envelope. Apparently they were not.











I understand this is not to be ignored. Told RK to await instructions from me.




Re: DCBL - Notice of Debt Recovery - Now DCB Legal LoC
« Reply #11 on: »
Change thread title.

Re: DCBL - Notice of Debt Recovery
« Reply #12 on: »
We really do not need to see the rubbish from DCBL. As for the Letter of Claim (LoC), respond to it by email to info@dcblegal.co.uk and CC yourself with the following:

Quote
Dear Sirs,

Your Letter Before Claim contains insufficient detail of the claim and fails to provide copies of evidence your client places reliance upon and thus is in complete contravention of the Pre-Action Protocol for Debt Claims.

Because your letter lacks specificity and breaches the requirements of the Pre-Action Protocol for Debt Claims (paragraphs 3.1(a)-(d), 5.1 and 5.2) as well as the Practice Direction - Pre-Action Conduct (paragraphs 6(a) and 6(c)), you must treat this letter as a formal request for all of the documents/information that the protocol now requires your client to provide. Your client must not issue proceedings without complying with that protocol.

As solicitors you must surely be familiar with the requirements of both the Practice Direction and the Pre-Action Protocol for debt claims and your client, as a serial litigator of debt claims, should likewise be aware of them. As you (and your client) must know, the Practice Direction and Protocol bind all potential litigants, whatever the size or type of the claim. Its express purpose is to assist parties in understanding the claim and their respective positions in relation to it, to enable parties to take stock of their positions and to negotiate a settlement, or at least narrow the issues, without incurring the costs of court proceedings or using up valuable court time. It is embarrassing that a firm of Solicitors are sending a consumer a vague and un-evidenced 'Letter of Claim' in complete ignorance of the pre-existing Practice Direction and the Pre-Action Protocol.

I confirm that, once I am in receipt of a Letter Before Claim that complies with the requirements of para 3.1 (a) of the Pre-Action Protocol, I shall then seek advice and submit a formal response within 30 days, as required by the Protocol. Thus, I require your client to comply with its obligations by sending me the following information/documents:

1. An explanation of the cause of action
2. whether they are pursuing me as driver or keeper
3. whether they are relying on the provisions of Schedule 4 of POFA 2012
4. what the details of the claim are; for how long it is claimed the vehicle was parked, how the monies being claimed arose and have been calculated
5. Is the claim for a contractual breach? If so, what is the date of the agreement? The names of the parties to it and provide to me a copy of that contract.
6. If the claim is for a contractual breach, photographs showing the vehicle was parked in contravention of said contract.
7. Is the claim for trespass? If so, provide details.
8. Provide me a copy of the contract with the landowner under which they assert authority to bring the claim, as required by the BPA/IPC Private Parking Single Code of Practice (PPSCoP).
9. a plan showing where any signs were displayed
10. Photographs of the signs displayed (size of sign, size of font, height at which displayed) at the time of any alleged contravention.
11. Provide details of the original charge, and detail any interest and administrative or other charges added
12. Am I to understand that the additional £70 represents what is dressed up as a 'Debt Recovery' fee, and if so, is this nett or inclusive of VAT? If the latter, would you kindly explain why I am being asked to pay the operator’s VAT?
13. With regard to the principal alleged PCN sum: Is this damages, or will it be pleaded as consideration for parking?

I am clearly entitled to this information under paragraphs 6(a) and 6(c) of the Practice Direction. I also need it in order to comply with my own obligations under paragraph 6(b).

If your client does not provide me with this information then I put you on notice that I will be relying on the cases of Webb Resolutions Ltd v Waller Needham & Green [2012] EWHC 3529 (Ch), Daejan Investments Limited v The Park West Club Limited (Part 20) Buxton Associates [2003] EWHC 2872, Charles Church Developments Ltd v Stent Foundations Limited & Peter Dann Limited [2007] EWHC 855 in asking the court to impose sanctions on your client and to order a stay of the proceedings, pursuant to paragraphs 13, 15(b) and (c) and 16 of the Practice Direction, as referred to in paragraph 7.2 of the Protocol.

Until your client has complied with its obligations and provided this information, I am unable to respond properly to the alleged claim and to consider my position in relation to it, and it is entirely premature (and a waste of costs and court time) for your client to issue proceedings. Should your client do so, then I will seek an immediate stay pursuant to paragraph 15(b) of the Practice Direction and an order that this information is provided.

Yours faithfully,

[Your name]
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: DCBL - Notice of Debt Recovery
« Reply #13 on: »
The email has been sent.
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Re: DCBL - Notice of Debt Recovery
« Reply #14 on: »
The registered keeper has not had a response either by email or post.

They are going out of the country tomorrow for about a month, is this going to present a problem, should a response be sent whilst they are away? Or is anything that is likely to happen, going to be easily dealt with on their return?