CCJ Letters from DCB Legal Ltd - Civil National Business Centre

RPMJ

Hello everyone,

I am new to MSE and hopefully can get some guidance on this.

I just received the image attached. 


Upon checking experian, i can see that my credit score has been severely impacted and a CCJ has been formally issued. 

I have no idea what this is in regards to, I am guessing parking however I have always paid for parking and luckily have receipts of all parking I have ever done. 

What is the process here - i have searched the Civil National Business Centre and the google reviews are the worst reviews I have ever seen (mostly that they do not reply and people are unable to contact them). 

For further context, whether relatable or not, I have been going to the doctors for several months now with chronic anxiety and upon reading this letter and double checking experian to see if a CCJ has been actually filed I experienced a panic attack so this is severely impacting my mental health further!! 

I have paid for all parking thus I believe this is definitely incorrect. 

I am looking for guidance on how to appeal, get the CCJ removed immediately, and is there anything I can do to hold them accountable for impacting my mental health even further?!!! 


Honestly i appreciate any and all help with this...

Reece

RPMJ

Further info - I have emailed the claimant today through the email complaints@baysentry.co.uk to request more details on what exactly this is for. 

KeithP

The usual reason for not getting previous notices is that the keeper's details on a vehicle's Registration Document(V5c) have been allowed to become out of date.
Does your V5c have the correct keeper's address on it? Can easily be put right on the DVLA website.

Coupon-mad

RPMJ said:

Further info - I have emailed the claimant today through the email complaints@baysentry.co.uk to request more details on what exactly this is for. 

That was a bad move.  The claim was filed by solicitors, not by them, and it seems you ignored the court claim from DCB Legal about a month ago.  That is what this is about.

If the CCJ letter came to the right address then the court claim form did, too.  In September.  

I am afraid the best advice is to pay this in full to avoid a CCJ.