Never, ever, ever, ever, ever and I can't stress enough... EVER communicate with a debt collector. We don't need to see the useless garbage they send out. You can safely ignore all debt collector letters. Use them to line the bottom of a cat litter tray if really feel the urge to keep them.
To reassure you, this is what is going to happen... You will receive more DRA letters which you continue to ignore. At some point, you will receive a Letter of Claim (LoC) from DCB Legal. When you do, let us know and we will give you a response to it.
Next you will receive a response to your response to the LoC. Then, at least a month after the original LoC, you will receive an actual N1SDT Claim from from the CNBC. Again, let us know when that happens and show us the issue date of the form and the Particulars of Claim (PoC).
We will provide advice on how to acknowledge service of the claim and then provide a short defence and accompanying Draft Order and how to submit it. DCB Legal will respond some time after acknowledging the defence and that they intend to proceed. All expected and normal.
The next thing you receive is a Directions Questionnaire (DQ) which is easily completed and sent back to the CNBC and copied to DCB Legal. A while later, you will receive notice from the CNBC that the case has been transferred to YOUR local court and it will either contain a hearing date or if not, another letter from your local court will be sent and will contain a hearing date and a deadline for both parties to submit their "bundles", which in your case, would be your Witness Statement.
At some point before the hearing, the Claimant is required to pay the hearing fee. At this point DCB Legal will discontinue and that will be the end of the matter. We have evidence of this modus operandi for well over 400 cases in the last two years on this and the MSE forum alone.
They are hoping you are low-hanging fruit on the gullible tree and will capitulate and pay up when you see the terms 'bailiff" or "CCJ" bandied about and if that didn't work, they hope that the initiation of litigation with a claim will do the job. They do not want this to go to a hearing and as soon as the time comes to pay the hearing fee, they discontinue and go off in search of riper fruit on the gullible tree to try and scam.
I am happy to put odds of 100:1 that this will be the scenario. Even if I were wrong, and I have not yet been so, and you were so unlucky and were to lose a claim, there is no danger whatsoever of a CCJ.