DCBL bailiffs

Pollypumpkin Posts: 3
First Post
edited 24 September 2020 at 3:23PM in Reclaim PPI & other insurance
Hi all,
I hope someone can give me some advise on what to do with the following:
Early this year (around Feb) I found a company called a ppi company They stated they could obtain a PPI refund for me. I supplied them with my name and address and my bank (no bank details). They then said leave it with them. I then received a letter from them stating my bank has offered a refund of £600. I thought that number was a bit suspicious. 

Then I recieve a letter stating as I have been offered a refund I need to pay them £204. I contacted Coban and said I have not received any letter from the bank, no notification from the bank and have not recieved any refund. 

Now imagine my surprise when a day ago I recieve a letter from a company called DCBL (certificated Bailiffs & high court enforcement) asking for £200 for their client

Any advise on what to do next would be greatly appreciated. The letter DCBL sent are asking for payement or they will review the case for recovery and will add the costs to the bill. 


  • An email from your bank could be from anywhere depending on where their IT centre is hosted, did you ask your bank if they had offered a refund?
  • Further from above. My bank actually states they will never contact me or customers via email for information about bank account numbers etc. The fact I received an email from someone claiming to be from my bank and asking for bank numbers raised a red flag to me.
  • Nearlyold
    Nearlyold Posts: 2,236
    First Anniversary Name Dropper Combo Breaker First Post
    edited 23 August 2020 at 5:09PM
    Something iffy about all this, the Deadline for submitting a PPI complaint was 29th August 2019 so how come "Coban Solutions" told you in February 2020 they could obtain a PPI refund for you at least 5 months after the deadline for submitting a complaint. Or was it a Packaged Bank Account they were referring to?
  • dunstonh
    dunstonh Posts: 115,730
    Name Dropper First Anniversary Combo Breaker First Post
    edited 23 August 2020 at 6:55PM
    You must not ignore this but you should reply in writing (keeping a copy) to the recovery company stating that the claims company are attempting to obtain funds from you either dishonestly or mistakenly.  Explain that they were employed on a no-win-no-fee basis for a PPI claim and they have not had any success.  As such, there is no fee to pay and therefore no debt outstanding.
    State that you will not pay as there is no debt owed and unless they can provide evidence to the contrary, you expect the attempt to recover money from you to cease. However, if it doesnt, you will be happy to go to court and put in a counter claim for costs.  Also, tell them you have submitted a formal complaint to the company and will be involving the financial ombudsman service as an independent arbiter of complaints.  And as such, any attempt of legal action whilst the complaint resolution is incomplete would not be advisable

    At the same time, make a formal complaint to the claims company.  You do not need to mince your words here as claims companies are now regulated by the FCA and you get access to the FOS.     You can accuse them of trying to fraudulently obtain funds from you and tell them you expect them to call off the recovery company and to pay you a goodwill gesture for the distress and inconvenience you have suffered.      if they refuse, then you refer the case to the financial ombudsman service.    

    If what you have told us is correct, you would expect the FOS to rule in your favour and award a goodwill gesture.

    This reply is written solely on the basis that what you have told us is accurate.   I would recommend that you remove the company names from your post.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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