Keep on trying to get the retailer to get this cancelled. If they don't, then it is not really a big deal UNLESS you don't manage the deadlines for certain things.
For now, DO NOT engage with DCBL or any other debt collector. DO NOT try to contact them. They are to be ignored 100%. They cannot do anything, no matter how scary they seem. Ignore.
This is what is going to happen and you willed to note any deadlines... eventually, UKPC are going to instruct DCB Legal (not DCBL) to issue you a Letter of Claim (LoC). The LoC will be different from any debt collector letters because it will give 30 days, NOT 14 days to pay.
Let us know when you receive the LoC as we will give you response for it. 30 days or more after the LoC, DCB Legal will file claim through MCOL and you will receive the N1SDT claim through the post from the CNBC. When that arrives, you MUST NOT miss any deadlines. Let us know and show us the Particulars of Claim (PoC) and the "issue date" of the claim.
We will provide you with a PDF which tells you exactly how to Acknowledge Service (AoS) and then a Defence and how to send it to them. After that, you should receive a copy of the Claimants Directions Questionnaire (N180 DQ) which you simply file away. At some point you will receive your own N180 DQ which must be sent back within 29 days of service.
IN the meantime, someone from DCB Legal will try and contact you and offer to settle for a slightly reduced sum. Do not engage with them. Eventually, before they have to pay the trial fee, they will discontinue. We have seen over 400 of these discontinuations and that is only from the victims that have been in touch and followed the advice and kept to the timeline.
No one pays UKPC if they follow the advice.
