DCBL enforcement agent and Claim4You Ltd

[JoanneB2901]

Hello,

im writing on behalf of my parents. They have received a letter from DCBL enforcement agents stating they owe over £6000, with the debt originating from Claim4You Ltd. this was completely unexpected!! The only previous correspondence my parents received from Claim4You was to my old address about 3/4 years ago. I am waiting to speak to them to find out where the claims they were making through them was left, and whether they actually received any PPI refund. They are currently in North Cyprus and been stuck there since before Covid hit!

I just wanted to find out what this letter means before I speak to them? What stage is this at? There is mention of county court judgement, and high court. Where should we begin as they definitely haven’t had any correspondence from either Claim4You, a debt collection agency, a court...nothing until this!!

many thanks in advance,

Joanne

[ploddertom]

If the claim is in their names then data protection will prevent you from taking this up on their behalf. Are they resident in N Cyprus or is it just because of holiday considerations.

What has most likely happened is that the Claims Co will have submitted a Court claim against them and been awarded Judgment by Default as nothing was heard from your parents. They have transferred the CCJ up to the High Court for enforcement and employed DCBL to collect/enforce.

Is the address this letter has been sent their property? Please note DCBL have no automatic right of entry and cannot force entry either.

[Guest]

Yet again another letter from Debt colletors sent to the wrong address, and strangely once judgment has been granted the correct address is located.

[ploddertom]

Yet again another letter from Debt colletors sent to the wrong address, and strangely once judgment has been granted the correct address is located.

They are not Debt Collectors in this instance. They are acting as High Court Enforcement Agents this time.

[JoanneB2901]

Hello, I had no idea these replies had come through unfortunately as I didn’t get notified! However came back on to check today because DCBL turned up at the address, forced entry and were going to take my sisters things unless full payment was made - nearly £9000. My other sister who lives in Spain paid it in full as my parents didn’t have the money.
My parents live in North Cyprus - and actually received a letter last week posted to their address out there, saying they had been located with an international address tracker. However the letter was dated December 2018 and it was only delivered to them in September 2020!! The postal system out there is something to be desired. Since they received that letter they had been emailing the company to try and sort it but were told it had been passed to the legal team as they hadn’t heard from them.
DCBL told my sister that even though it is their house, because my mum and dad have their Barclays Bank account registered to her address they could take her belongings unless she could provide receipts for every single item - an impossible task.
My parents made an offer of payment and offered to come to an agreement as soon as they received ANY correspondence from these people. However this still went ahead and I am so angry on their behalf, my parents are in pieces they’ve had to borrow so much money from my sister in Spain. They are in their 70’s and felt completely helpless.
is there anything at all I can do?? Even a complaint to someone that might go somewhere?? I feel it’s such an injustice! This all started with a company who promised to help them get back some money they were owed through PPI, who did a rubbish job of doing so, and they somehow ended up in this mess!!
any help gratefully received.
Joanne

[ploddertom]

How did they force entry? Do you have any proof of this - video or photographic?

DCBL told my sister that even though it is their house, because my mum and dad have their Barclays Bank account registered to her address they could take her belongings unless she could provide receipts for every single item - an impossible task. Complete load of rubbish, they may only seize & remove the goods of the debtor(s).

Have they left or given a breakdown of the fees charged?

[JoanneB2901]

They have left now, apparently he put his foot in the door! No there is no proof that it happened. My sister had no idea what to do and was under the impression that they could force entry. She was also worried he would call the police. He then proceeded to walk around the house making a list of things to take. They felt completely backed into a corner, even though my dad was on the phone and talking to the man telling him he would set up a payment arrangement it was refused.

He has left some paperwork with the fees charged etc yes.

I have also just asked my sister about his conduct in relation to the new guidelines surrounding corona virus. According to the government website he should have adhered to social distancing, asked whether anyone had symptoms, was shielding or self-isolating before entering. He actually put his foot in the door so they couldn't shut it, didn't ask anything about corona virus or even mention it and just put a mask on when he started to walk around the house. This completely goes against the government guidelines! I am so furious about the whole situation! I am determined to take this further but have no clue where to start!

[JoanneB2901]

How did they force entry? Do you have any proof of this - video or photographic?

DCBL told my sister that even though it is their house, because my mum and dad have their Barclays Bank account registered to her address they could take her belongings unless she could provide receipts for every single item - an impossible task. Complete load of rubbish, they may only seize & remove the goods of the debtor(s).

Have they left or given a breakdown of the fees charged?

My sister just told me that the guy did have a bodycam on so there should be footage on there of how he gained entry - whether he had it turned on or keeps it could be another matter though!!

[ploddertom]

I know it sounds flippant but the fact it is paid avoids the dreaded knock on the door and allows you time to gather everything together.

Do you have the names of the Agents who called - if so then make sure they appear on this list https://certificatedbailiffs.justice.gov.uk/

A foot in the door is a definite no no and DCBL know this, but as you have no proof then it is your word against theirs. However a good point to start is to submit a SAR to them and make sure it includes footage from the Body Worn Video. They may argue over this as really it is the debtor that has to apply but in this case it has been the property of a third party. The Police would only attend just to prevent a breach of the peace.

Dails of what they should supposedly have done with regard to Coronavirus Rules can be read @ https://dcbltd.com/news/high-court-e...ictions-eased/

Any complaints must be made initially to the company concerned - yes, I know it will be a carpet sweeping exercise but can be escalated further if you are not happy. They should tell you the process but if not I can help point you in the right direction.

We'll tackle the fees another day.

[ploddertom]

My sister just told me that the guy did have a bodycam on so there should be footage on there of how he gained entry - whether he had it turned on or keeps it could be another matter though!!

Usual spiel is that a fault occurred and the footage no longer exists but let's wait and see what they say first.

[Lesley65]

Sorry to jump on this post but im
having the same problem claims4you started a claim against welcome finance for me and I was advised as welcome we’re going into administration the case would be closed some time after welcome contacted me directly about the ppi and I did the work myself? Claims for you decided they weren’t happy about this and went to court? I defended by letter and it was thrown out of court in January 2018? Since then nothing until last year when debtlaw decided to come after me for over £4,000.00 stating nearly £2,000.00 in admin fees? Threats and all sorts followed saying that despite them loosing in court they could still Perdue me for 6 years for this? Now have had a letter from DCBL demanding £4,770.00 on a court order ive not paid? I’ve contacted the county court business centre with this court order reference and been told under no circumstances do I pay anything to DCBL as there is no court order as stated went to court was thrown out by judge 09.09.2018? I’ve tried to contact Walsall county court for a copy of the order but no avail as yet phone just keeps disconnecting? So I need to know what can I do to stop this?
Lesley