Dcb ltd

[Zoelou]

Don't actually owe the debt. The creditor owes me money. I had legal insurance that was meant to cover this but they messed me about for so long a ccj was issued and the enforcement officer came before they had even said if they would take the case on and now have decided they won't. It was over the sale of a dog. The buyer just didn't want it after five months so sent it back and I said I'd try to sell it for them and get what I could and they said they would pay for me doing it for them but he was with me six months and only sold for £1000 which they agreed to the sale price. got my friend an accountant to work out the costs properly for me and it worked out they owed me nearly £500 on top of the 1000 sale price. So I said no. Can't send that cut it down to cost so they did which made it something like 250 they owed me still so I sent that to the owner and said look my accounts work out what it cost me but have a look and give me a call and we'll have a chat about it and sort something out to suit us both. She never did her mother sent me a load of abusive messages and applied for a ccj straight away. I've got all the defence and have been doing all the paperwork and forms and proofs to apply to set aside the judgement doing it totally off Google help so far but now seriously worried after reading all about dcbl because when they came I had not got notice that they had the writ and planed to come. They just arrived at my house stood at my gate and I shit myself thinking it was a police. All dressed in black what looked like a vest and body cam and all sorts. Then he told me who he was and what he was there for. Told him I knew nothing about it and weren't they meant to notify me first if they had got a writ and he said yes we sent a letter and I told him no I never got one or I would have dealt with it then. I asked if I could ring my solicitor who was a waste of time because she could not advise me because she had not decided if she could take the case based on my insurance cover yet. He then told me if I did not pay him there and then that they had a dog van on the way to take my dogs my pets to sell to pay the debt. Also it would then go up by about another 750 on top of the 2200 something. I logged In to my online banking to see what I had and I didnt have enough in my bank I even showed him. I asked if he could come back in a couple of hours and I could get the cash and he said no if he leaves he is leaving with the dogs to pay the debt. So I went back in the house and searched and managed to find some cash I forgot I'd hidden for emergency. So I paid in full and he went away happy. I've now found out from my searches learning how to set aside the judgment he over charged fees. Did not send me notice. Threatened to take my pets which he's not allowed to do either dressed like police and never offered to make any arrangement to pay or to take other items he was only Interested in the dogs my Pomeranians. I actually joked and said I've got a puppy dogue you can have she's a little turd and rubbish guard dog and he said no only the little ones which I found odd he targeted them. He must have researched me first as all over my social media is my dogs and just my dogs. My dogs are my pets not a business I only breed to get more pups for me for breeding and showing and pet home any I don't keep. So I'm going to ring my bank for a charge back in the morning but I've been on the forum and seen about all the Complaints about this lot and wondered if there was anyway my complaint and details could help. And also wondered if I should be apply to stay the writ as well or anything else as well and do they all just go to the county court or do I have to do two lots and send the set aside to county and the writ to high court.
Thanks in advance

[zeke]

Amen to all that, so you want to stay the writ of control and set aside the judgment?

[Zoelou]

I know I want to set aside the judgment because I want to fight my case and counter claim because my legal insurance screwed that up for me I am hoping after sending them all my proofs of insurance and contact kicking my insurance companies butt to do something they will accept and set aside I've also provided most of my defence to prove I have a case to put forward and should win with but I don't understand if I need to ask to stay the writ as well because I've already paid dcbl do I need to do that as well to officially get my money back or would that happen automatically if the judgement is set aside or should I just ask for both on the form anyway or do I need to send the set aside to the ccj Court and the stay to the high Court. Hope that makes sense

[zeke]

Once the writ has been stayed and the judgment is set aside, the court will order the bailiff company to return the money.

If the bailiff company does not return the money, and DCBL is big on this, you reclaim the money from DCBL and the creditor. The court will (usually) order DCBL pay the fees and the creditor pays everything else.

[Zoelou]

So did my solicitor get it wrong then. She said if she was allowed to take the case under my insurance then she would be applying to get the ccj set aside but that was before we knew about the writ. So would the writ be the priority to get done and sent to the high court