They almost certainly don’t think you committed fraud.
That letter is basically saying: “The bank has clawed back the card payment as ‘fraudulent’, therefore the PCN is still unpaid and we’ve slapped another £20 on top.”
It doesn’t tell them who the cardholder was, and they don’t know who initiated the dispute – that’s between the buyer and his bank.
Your position is still:
- You sold the car to a motor trader on 14/09/2025.
- You were not the keeper or the driver on 25/09/2025.
- You did not make the payment or the chargeback.
- They have been put on notice of all of this already.
You just need to nail that down in writing and push the liability back where it belongs. What I’d send to Secure Parking Solutions
Subject: PCN [reference] – Vehicle sold to motor trader on 14/09/2025 – no liability
Dear Sir or Madam,
I acknowledge receipt of your letter dated 25 November 2025.
As already explained in my previous correspondence, I sold vehicle [VRM] to a motor trader on 14 September 2025. The vehicle left my possession that day. I was neither the keeper nor the driver on the date of the alleged parking event.
For the avoidance of doubt:
• I did not make any payment to you in respect of this PCN.
• I am not the cardholder whose bank has disputed the transaction, nor do I have any knowledge of that payment beyond the fact that the buyer told me he had paid the charge after I forwarded your notice to him.
Any issue you have regarding a chargeback is a matter solely between Secure Parking Solutions, the cardholder and the cardholder’s bank. It has nothing whatsoever to do with me.
Under Schedule 4 of the Protection of Freedoms Act 2012, only the keeper at the time of parking may be pursued. I have already provided evidence that the vehicle was sold to the motor trade on 14/09/2025 and that I informed DVLA of this. I therefore put you on notice once again that I deny any liability for this PCN.
You must now either:
1. Pursue the person whose card you accepted for payment, or
2. Cancel this PCN and erase my personal data from your records.
Any further demands for payment from me, or any attempt to misrepresent me as being involved in a “fraudulent transaction”, will be treated as harassment and a misuse of my personal data. I will rely on this letter in support of any complaint or defence in the event that you or your agents commence proceedings.
Yours faithfully,
[Name]
[Address]
Keep copies of everything you’ve already sent (proof of sale, DVLA letter, emails, their latest letter). If they or any debt collector continue to chase you, you can reply once more simply enclosing this letter and stating “I am not the keeper or driver – pursue the correct party or cease contact.”
If they ever were foolish enough to issue a claim, your defence would start with: not keeper at the material time, no contract with you, and no payment made by you.