READ THIS FIRST - Private Parking Charges Forum guide (https://www.ftla.uk/private-parking-tickets/read-this-first-private-parking-charges-forum-guide/)
What was the date of the alleged contravention? What is the 'issue' date of the Notice to Keeper (NtK)? That will determine whether they NtK was given within the relevant period. However, there are many other points that we would need to know about, which is why we need to see the original NtK. Any reminder is not relevant.
As for useless debt recovery letters, you can safely ignore those. Debt collectors are powerless to actually do anything except to try and intimidate the low-hanging fruit on the gullible tree into paying out of ignorance and fear.
For now, the answer to your four questions is as follows:
1. “Not parked because I stayed in the car” generally fails. In private parking, “parking” covers waiting/stopping unless the written terms say otherwise. Keep it as a secondary point only. Stronger points are EV charging, machine faults, disability adjustments, and grace/consideration periods.
2. Possibly, but only if Bank Park has contractual authority over those bays. Many EV bays are licensed to the chargepoint operator. Put them to strict proof that (a) their contract covers PoGo bays and (b) the signs at those bays form Bank Park’s terms. If their contract doesn’t cover PoGo’s bays, they have no standing.
3. Debt Relief Order: it helps only for qualifying debts included in the DRO. This PCN is dated 20/08/2025. If your DRO was approved before that date, this is a post-DRO debt and usually not covered. If your DRO was approved after that date, it may be covered; check your DRO schedule and moratorium dates. Either way, while a DRO is active creditors must not enforce covered debts—so confirm timing.
4. Keeper liability under PoFA requires the Notice to Keeper to be delivered by Day 14 (day 0 = 20/08/2025). “Deemed” delivery is two working days after posting. If they back-dated letters or posted days later than the issue date, keep envelopes/franking as evidence and rebut the presumption. Late delivery kills keeper liability. Also check that the NtK states a “period of parking” (not just ANPR in/out times) and includes the mandatory PoFA wording; omissions defeat keeper liability.