Author Topic: Debt recovery (DCBL) letter received - never received PCN  (Read 2887 times)

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Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #15 on: »
You may want to redact the claim number and your MCOL password.

With an issue date of 10th June, you have until 4pm on Monday 30th June to submit your defence. If you submit an Acknowledgement of Service (AoS) before then, you would then have until 4pm on Monday 14th July to submit your defence.

If you want to submit an AoS then follow the instructions in this linked PDF:

https://www.dropbox.com/s/xvqu3bask5m0zir/money-claim-online-How-to-Acknowledge.pdf?dl=0

Otherwise, here is the defence and link to the draft order that goes with it. You only need to edit your name and the claim number. You sign the defence by typing your full name for the signature and date it. There is nothing to edit in the draft order.

When you're ready you combine both documents as a single PDF attachment and send as an attachment in an email to claimresponses.cnbc@justice.gov.uk and CC in yourself. The claim number must be in the email subject field and in the body of the email just put: "Please find attached the defence and draft order in the matter of New Generation Parking Management Ltd v [your full name] Claim no.: [claim number]."

Quote
IN THE COUNTY COURT
Claim No: [Claim Number]

BETWEEN:

New Generation Parking Management Ltd

Claimant

- and -

[Defendant's Full Name]


Defendant



DEFENCE

1. The Defendant denies the claim in its entirety. The Defendant asserts that there is no liability to the Claimant and that no debt is owed. The claim is without merit and does not adequately disclose any comprehensible cause of action.

2. There is a lack of precise detail in the Particulars of Claim (PoC) in respect of the factual and legal allegations made against the Defendant such that the PoC do not comply with CPR 16.4.

3. The Defendant is unable to plead properly to the PoC because:

(a) The contract referred to is not detailed or attached to the PoC in accordance with CPR PD 16(7.5);

(b) The PoC do not state the exact wording of the clause (or clauses) of the terms and conditions of the contract (or contracts) which is/are relied on;

(c) The PoC do not adequately set out the reason (or reasons) why the claimant asserts the defendant has breached the contract (or contracts)

(d) The PoC do not state with sufficient particularity exactly where the breach occurred, the exact time when the breach occurred and how long it is alleged that the vehicle was parked before the parking charge was allegedly incurred;

(e) The PoC do not state precisely how the sum claimed is calculated, including the basis for any statutory interest, damages, or other charges;

(f) The PoC do not state what proportion of the claim is the parking charge and what proportion is damages;

(g) The PoC do not provide clarity on whether the Defendant is sued as the driver or the keeper of the vehicle, as the claimant cannot plead alternative causes of action without specificity.

4. The Defendant attaches to this defence a copy of a draft order approved by a district judge at another court. The court struck out the claim of its own initiative after determining that the Particulars of Claim failed to comply with CPR 16.4. The judge noted that the claimant had failed to:

(i) Set out the exact wording of the clause (or clauses) of the terms and conditions relied upon;

(ii) Adequately explain the reasons why the defendant was allegedly in breach of contract;

(iii) Provide separate, detailed Particulars of Claim as permitted under CPR PD 7C.5.2(2).

(iv) The court further observed that, given the modest sum claimed, requiring further case management steps would be disproportionate and contrary to the overriding objective. Accordingly, the judge struck out the claim outright rather than permitting an amendment.

5. The Defendant submits that the same reasoning applies in this case and invites the court to adopt a similar approach by striking out the claim for the Claimant’s failure to comply with CPR 16.4.

Statement of truth

I believe that the facts stated in this Defence are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.

Signed:


Date:

Draft Order for the defence
« Last Edit: June 17, 2025, 11:27:54 am by b789 »
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #16 on: »
Sent - thank you

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #17 on: »
You should obscure the claim number and the password, we suggest.

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #18 on: »
Updated thanks

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #19 on: »
Hi, I've received an update from DCB Legal.

Quote
We write in response to correspondence received in our office dated 9th June 2025.           

We have made a record of the contents of your correspondence and noted this on your file accordingly. 

For the avoidance of doubt, a claim was issued against you on 10th June 2025 in the sum of £291.60. As such the opportunity to raise substantive disputes has now passed and so we will not be responding to the same.

If you fail to pay the Judgment balance within one calendar month of the date of the Judgment, the same will remain on your credit file for a period of 6 years. If payment is made outside of the one calendar month, the Judgment will simply be marked as 'satisfied' on your credit file.

Please find enclosed the evidence we hold on file.

You now have 30 days from the date of Judgment to make payment of £291.60. Failure to make payment will result in the CCJ currently recorded on your credit file, remaining for a period of 6 years.

Payment can be made via bank transfer to our designated client account: -

Account Name: DCB Legal Ltd Client Account   
Sort Code: 20-24-09   
Account Number: 60964441
 
You must quote the correct case reference ([redacted]) when making payment. If you do not, we may be unable to correctly allocate the payment. If further action is taken by us as a result of an incorrect reference being quoted, you will be liable for any further fees or costs incurred.

We would ask that you kindly furnish us with your most up to date telephone number and email address, this can be emailed to us at info@dcblegal.co.uk.

Alternatively, you can contact DCB Legal Ltd on 0203 838 7038 to make payment over the telephone or online at https://dcblegal.co.uk/response/pay-online/.
There are then three attachments.
  • PDF of two NtK letters from NGPM dated 31st May and 1st July
  • Photographs of the site, car park and signs
  • CCTV of the vehicle in the disabled bay

Let me know what I should upload here, if any.

One thing I would like to point out, the two Notice to Keeper letters, I have categorically never seen before. Additionally, the letter that is dated on the 31st May is addressed to the new address. But the VC5 log book was updated with the DVLA on 1st June (have proof). How did they send a letter to our new address before there was anything linking that vehicle to that address? Furthermore, when I contacted New Generation Parking Management with the Data rectification notice earlier in the year they told me
Quote
Thank you for your request. We confirm that we have updated our records to reflect your new address for service:

[New address]

All future correspondence regarding this matter will be directed to this address.

However, at the time of the parking event, our records indicate that your V5C (vehicle logbook) had not been updated with the DVLA. Therefore, when we obtained registered keeper details in accordance with our legitimate interest under Regulation 27 of the Road Vehicles (Registration and Licensing) Regulations 2002, the DVLA provided us with the address listed at that time:

[Old address]
So they say here that they obtained the old address when the incident occurred, and yet the NtK I've just received dated 31st May uses the new one?

Thanks
« Last Edit: July 02, 2025, 12:22:32 pm by RandG »

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #20 on: »
They will have done a credit reference search which would have shown your new address. It's not big deal so don't dwell on that point.

The "correspondence" they refer to as having been received on 9th June, what would that be? Did you send something in the post to them? Did you email something to them?

When you submitted the defence, did you CC yourself and did you receive an auto-response email from the CNBC?
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #21 on: »
The correspondence was the Letter Before Claim Response you drafted for me on 26th May:

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.... etc etc

I sent it and then they asked me for extra detail which I sent on the 9th June, hence why they refer to that date in the email I imagine.

Wrt the CNBC I did CC in myself and I did receive an auto-response email on 17th June. It did say to expect a response within 10 days but I've heard nothing yet.
« Last Edit: July 02, 2025, 01:22:00 pm by RandG »

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #22 on: »
Did you respond to the LoC by email or post?
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #23 on: »
All correspondence has been done by email

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #24 on: »
In which case, respond by email with a formal complaint as follows:

Quote
Subject: Formal Complaint – Procedural Misconduct, Misleading Communication & CPR 31.14 Request

To: info@dcblegal.co.uk

Dear Sir/Madam,

Re: [Insert DCB Legal Reference Number] Claim No: [Insert Claim Number]

I am writing to lodge a formal complaint regarding your conduct in relation to the above matter. Your email dated 2 July 2025 is procedurally flawed, misleading, and indicative of a disregard for both the Civil Procedure Rules and your professional obligations.

1. Breach of Pre-Action Protocol

Your Letter of Claim was dated 9 May 2025. I responded in full on 22 May 2025, within the 30-day period required under the Pre-Action Protocol for Debt Claims. My response included a request for further information and documentation, as permitted under Paragraph 5.1 of the Protocol.

On 5 June 2025, you replied stating that you were “unable to locate [my] file with the information provided” and requested the following details:

• Full name
• First line of address and postcode
• DCB Legal reference number

I provided all of the requested information promptly and in full. Despite this, you failed to respond to my Letter of Claim response, failed to provide any of the requested documents, and instead proceeded to issue a claim on 10 June 2025—just days later.

This is a clear and deliberate breach of the Pre-Action Protocol. You had a duty to engage meaningfully with my response and provide the requested documents before issuing proceedings. Your failure to do so will be brought to the court’s attention.

2. Misleading and Prejudicial Communication

Your email dated 2 July 2025 states:

For the avoidance of doubt, a claim was issued against you on 10th June 2025… As such the opportunity to raise substantive disputes has now passed and so we will not be responding to the same.

This statement is legally and procedurally false. I filed a defence on 17 June 2025. The matter is now before the court. The opportunity to raise substantive disputes has not “passed”—it has only just begun. Your refusal to engage post-defence is improper and prejudicial.

Furthermore, your email refers repeatedly to a “Judgment balance” and the consequences of failing to pay within one calendar month. This is a blatant misrepresentation. No judgment has been issued in this matter. The claim is defended and contested. Your reference to credit file consequences is not only premature but appears designed to mislead and intimidate. This will be included in my complaint to the Solicitors Regulation Authority and raised with the court as evidence of unreasonable conduct.

This communication appears designed to mislead and intimidate, and constitutes a breach of your professional obligations under the SRA Code of Conduct, including:

• Paragraph 1.2 – acting in a way that upholds public trust and confidence
• Paragraph 1.4 – acting with honesty
• Paragraph 1.5 – acting with integrity
• Paragraph 1.6 – not misleading or attempting to mislead

3. Formal Complaint to the SRA

Irrespective of your response to this email, I will be submitting a formal complaint to the Solicitors Regulation Authority. This will include:

• Your failure to comply with the Pre-Action Protocol
• Your misleading post-claim communication
• Your refusal to engage with a valid dispute prior to litigation
• Your failure to respond substantively after requesting and receiving the information you claimed was necessary to locate the file
• Your false and coercive statements regarding a non-existent “Judgment balance”

The complaint will include a full timeline of events, supporting evidence, and a copy of this letter.

4. CPR 31.14 Request for Disclosure

Pursuant to CPR 31.14, I formally request copies of the following documents mentioned in your Particulars of Claim:

• The contract or agreement relied upon
• he Notice to Keeper(s) issued
Photographic or CCTV evidence relied upon
• The signage terms allegedly forming the basis of the contract
• Evidence of your client’s authority to operate on the land in question
• A full breakdown of the £291.60 claimed, including any added costs or fees

Please provide these documents within 7 days of the date of this letter. I confirm that I am willing to pay your reasonable copying costs as per CPR 31.15(c).

I expect a full written response to this complaint and the requested documents within 7 days. Failure to comply will be noted in my witness statement and may be raised in any application for costs due to unreasonable conduct.

Yours faithfully,

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

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #25 on: »
Thanks

Regarding the dates I must admit I have not been completely prompt.

The LoC was issued on the 9th May, I did receive and upload here on the 22nd and I responded to the LoC on 26th May.

They responded on the 29th with the request for additional information and I provided it on the 9th June (week and a half later). Unfortunately I initially missed this email for the additional information.

This probably impacts the first part of the complaint email. 

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #26 on: »
Nothing wrong with the dates you responded to anything. The point is that they sent an LoC and you responded with valid questions within the 30 day PAP period. They then informed you by way of reply that they could not find the case and requested additional information which you provided them.

Without then responding to the request for information after providing them with the information they requested in order to find your cadence, they issued the claim.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #27 on: »
Thanks that's good news

I've rewritten part 1 of the complaint email with the correct dates

If you're happy with it then I'll send alongside the rest


Quote
1. Breach of Pre-Action Protocol

Your Letter of Claim was dated 9 May 2025. I responded in full on 26 May 2025, within the 30-day period required under the Pre-Action Protocol for Debt Claims. My response included a request for further information and documentation, as permitted under Paragraph 5.1 of the Protocol.

On 29 May 2025, you replied stating that you were “unable to locate [my] file with the information provided” and requested the following details:

• Full name
• First line of address and postcode
• DCB Legal reference number

I provided all of the requested information. Despite this, you failed to respond to my Letter of Claim response, failed to provide any of the requested documents, and instead proceeded to issue a claim on 10 June 2025.

This is a clear and deliberate breach of the Pre-Action Protocol. You had a duty to engage meaningfully with my response and provide the requested documents before issuing proceedings. Your failure to do so will be brought to the court’s attention.

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #28 on: »
What about the rest of the letter?
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt recovery (DCBL) letter received - never received PCN
« Reply #29 on: »
I just meant I'd corrected the first part to the correct dates and then used the rest of the email as you helpfully wrote. Thank you.

I've received another letter from CNBC - apparently they didn't get my email...