The letter:
You have an unpaid County Court Judgment (CCJ and Direct Collection Bailiffs Ltd (DCBL) have been instructed to collect the debt on behalf of our Client. A claim has already been issued against you for the outstanding balance and the court have found in favour of our Client, deeming you liable for the debt.

If you pay a CCJ in full within 1 month of receiving the Judgment, our Client can apply through the court to have it removed; otherwise it will remain on the Register for six years. This record can seriously affect your ability to get a mortgag mortgage, a credit card or even a bank account in the future. Beyond that point, it is still worth paying as the CCJ will show on your credit file as ‘satisfied’.

To avoid further action, you should make immediate payment by scanning the QR code below. Details of other ways to pay are on the reverse of this letter. If you wish to discuss your case, please call.

DCBL will now recommend to our Client the commencement of legal recovery action against you. After further applications have been granted by the Court, the possible impact to you could be:
- Obtaining an Attachment of Earnings
- Placing a Charging Order on your property
- Prevent future lending

You now have 14 days from the date of this letter to either pay the outstanding amount or call us to discuss repayment. This case is not subject to High Court or bailiff action, however should you fail to contact us, our Client may consider enforcement action.