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       #Post#: 64511--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: b789
       Date: March 27, 2025, 2:11 pm
       ---------------------------------------------------------
       Is that it? Nothing on the back?
       #Post#: 64512--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: b789
       Date: March 27, 2025, 2:13 pm
       ---------------------------------------------------------
       No mention of who the creditor is? The NtD is from OPC? The NtK
       is from OBS.
       #Post#: 64515--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: DWMB2
       Date: March 27, 2025, 2:16 pm
       ---------------------------------------------------------
       Please show us all pages of all the notices.
       #Post#: 64519--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: jafferraza1
       Date: March 27, 2025, 2:20 pm
       ---------------------------------------------------------
       The second page of the letter doesn't have anything mentioned
       other than the completion of point 7 stating the debt will be
       recovered from debt collectors. It's OPC I have attached the
       back
       [attachment deleted by admin]
       #Post#: 64520--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: DWMB2
       Date: March 27, 2025, 2:27 pm
       ---------------------------------------------------------
       Please just show us the back of the letter instead of attempting
       to summarise what it says.
       #Post#: 64531--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: jafferraza1
       Date: March 27, 2025, 4:16 pm
       ---------------------------------------------------------
       Okay, so I have found an OPC letter with the same reference
       number. Also attached an image of last page from the OB services
       letter
       [attachment deleted by admin]
       #Post#: 64572--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: b789
       Date: March 28, 2025, 3:40 am
       ---------------------------------------------------------
       --- Quote from: jafferraza1 link ---
       >
       > The second page of the letter doesn't have anything mentioned
       other than the completion of point 7 stating the debt will be
       recovered from debt collectors. It's OPC I have attached the
       back
       >
       --- End Quote ---
       The point is that this is a civil contractual issue and we need
       to see all the wording, including the small print. In this case
       you have two company names, although it appears that one is the
       trading name of the other.
       #Post#: 64574--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: b789
       Date: March 28, 2025, 4:04 am
       ---------------------------------------------------------
       The letter says that it is being sent to you as the “named”
       driver. Have you been named as the driver?
       You mentioned that you now have a CCJ on your cr3dit file? When
       was this issued? Where is all the PAP correspondence, the claim
       form, the judgment order?
       Do you actually understand what a CCJ actually is? Or do you
       just imagine that you have a CCJ without fully understanding
       what a CCJ is?
       Please read the following and then confirm whether you actually
       have a CCJ or not:
       --- Quote ---
       > What CCJ? Do you have any understanding of how someone gets a
       CCJ? Nothing we advise on here will make anyone get a CCJ.
       >
       > [quote]A County Court Judgment (CCJ) does not just happen—it
       follows a clear legal process. If someone gets a Parking Charge
       Notice (PCN) from a private parking company, here's what happens
       step by step:
       >
       > [indent]1. Parking Charge Notice (PCN) Issued
       >
       > [indent]• The parking company sends a letter (Notice to
       Keeper) demanding money.
       >
       > • This is not a fine—it’s an invoice for an alleged breach of
       contract.[/indent]
       >
       > 2. Opportunity to Appeal
       >
       > [indent]• The recipient can appeal to the parking company.
       >
       > •If rejected, they may be able to appeal to POPLA (if BPA
       member) or IAS (if IPC member).
       >
       > • If an appeal is lost or ignored, the parking company demands
       payment.[/indent]
       >
       > 3. Debt Collection Letters
       >
       > [indent]• The parking company might send scary letters or pass
       the case to a debt collector.
       >
       > • Debt collectors have no power—they just send letters and can
       be ignored.
       >
       > • No CCJ happens at this stage.[/indent]
       >
       > 4. Letter Before Claim (LBC)
       >
       > [indent]• If ignored for long enough, the parking company (or
       their solicitor) sends a Letter Before Claim (LBC).
       >
       > • This is a warning that they may start a court case.
       >
       > • The recipient has 30 days to reply before a claim is filed.
       >
       > • No CCJ happens at this stage.[/indent]
       >
       > 5. County Court Claim Issued
       >
       > [indent]• If ignored or unpaid, the parking company may file a
       claim with the County Court.
       >
       > • The court sends a Claim Form with details of the claim and
       how to respond.
       >
       > • The recipient has 14 days to respond (or 28 days if they
       acknowledge it).
       >
       > • No CCJ happens at this stage.[/indent]
       >
       > 6. Court Process
       >
       > [indent]• If the recipient defends the claim, a judge decides
       if they owe money.
       >
       > • If the recipient ignores the claim, the parking company wins
       by default.
       >
       > • No CCJ happens yet unless the recipient loses and ignores
       the court.[/indent]
       >
       > 7. Judgment & Payment
       >
       > [indent]• If the court rules that money is owed, the recipient
       has 30 days to pay in full.
       >
       > • If they pay within 30 days, no CCJ goes on their credit
       file.
       >
       > • If they don’t pay within 30 days, the CCJ stays on their
       credit file for 6 years.[/indent][/indent]
       >
       > Conclusion
       >
       > CCJs do not appear out of thin air. They only happen if:
       >
       > [indent]• A parking company takes the case to court.
       >
       > • The person loses or ignores the case.
       >
       > • The person fails to pay within 30 days.[/indent]
       >
       > If you engage with the process (appeal, defend, or pay on
       time), no CCJ happens.
       --- End Quote ---
       [/quote]
       #Post#: 64575--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: jafferraza1
       Date: March 28, 2025, 4:31 am
       ---------------------------------------------------------
       So the CCJ was another (older) parking ticker which I have paid.
       We are now discussing this new letter I have received from DCBL
       regarding the charge from OB services / OPC
       #Post#: 64576--------------------------------------------------
       Re: DCBL letter for private parking tickets - no permit - high
       street, watford
   DIR By: jafferraza1
       Date: March 28, 2025, 4:39 am
       ---------------------------------------------------------
       They have sent the letter to my name if thats what you're
       asking, However I wasn't the driver at the time as per my memory
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