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."
2 weeks ago a car went into the back of me when i was stationary. All OK and despite a massive shunt into the back of us, only one visible neck injury.
I had only had the car for 1 week therefore the policy for 1 week.. I called my new insurer Hastings Insurance and asked them what the process was as it was not my fault. They said you need to log it online. I did that - the only method was by submitting a claim, Called and ask them if that was correct as I didn't want to make a claim, it was not my fault. They said this was the way to go so I logged all the details online as instructed.
At the moment I have a hire car which was delivered the next day via Enterprise. Hastings called and advised that CoPart would collect my Micra on Monday (Monday just gone). I asked Hastings if at any point i wanted the car back I could do that they said that would be fine. (My plan was to have the car assessed and 'buy it back; and get it repaired) Received a text from Hastings saying my car was assessed and marked as Grade B, no longer road worthy, and no i cant buy it back. They have offered £675 for my Nissan Micra.
My Micra was extremely clean, 61K Miles, Full Service history had been in our family for years and taken good care of.
Hastings advised that out of that money unless I have a new car to go onto the policy they will have to deduct the £450 for the rest of the year outstanding on the policy meaning that from this I would end with about £275 and no car.
So to get a new car I will have to ask my parents to borrow some money to buy a new car to get it on to the policy (which Hastings have given me 2 weeks to do!)
I asked Hastings what was happening as this felt like I was claiming on my own policy but it was not my fault, they explained that the other driver had not admitted liability (although it was certain they would have to) and that until the claim was settled with a final cost they would not be able to claim these costs back from the other drivers insurance company.
Also can anyone recommend a good lawyer to help me with legal costs?
Sorry that this is a long post I just get the feeling that something is out of sorts here.