Just a quick update. I followed the advice and tried calling DCB Legal, however they are still not answering their phones, nor have they responded to the emails I've sent, the last one being a request to Consent to a Set Aside.
I am posting all the SAR's tonight, special delivery signed for etc and keeping receipts for costs.
I started panicking on Monday as the CCJ is now preventing me from finding a new rental and I am due out in 4 weeks. So I contacted a solicitor who said, as you all have thanks, that they think I stand a good chance of a Set Aside for all the reason mentioned in this thread and even more so because DCBL aren't even answering their phones or replying to emails. To save money the solicitor suggested I apply for the N244 myself as it is straight forward, and to only use them when the case returns to court to ensure a better chance of success and recovering all my costs and legal expenses. I'm wondering if it would be better just to let them get on with it, as I really need to get the Set Aside done ASAP, or my landlord will begin eviction proceedings. I know my rights, but I don;t want to overstay as a bad reference will also get in the way.
On another note, other solicitors have been operating for weeks, I wonder if DCBL are using this time as a tactic and not responding to peoples emails, hoping they will just pay on their website. I read about the OBS Legal case in 2011, why are these dodgy outfits allowed to continue operating? I notice countless pensioners complaining about being fined at St Johns Retail Park, how do OBS & DCB sleep at night? There must be better ways of making money than scamming people? At the very least, putting up Substantial signage would go a good way to warn people and show they are not out to scam.
Thanks for everyone's help so far.
Ill just copy bulk of doc:
"Our solicitors were instructed as a result of legal action that took place in respect of outstanding arrears on your account. In accordance with the terms and conditions of your loan agreement, the legal costs incurred below have been applied to your account.
This fee will not attract interest and will not affect your current arrears balance. This will remain on your account until you pay the fee or when your account is settled."