Oh dear. All you had to do was appeal as the Keeper and decline to identify the driver. Their Notice to Keeper (NtK) is not fully compliant with PoFA 2012 because it was not "given" within the relevant period. What that means that they can't transfer liability from the unknown driver to the known Keeper.
Too late now. That defence has been flushed because the driver has been identified.
You've gone through the appeals process and are under the false impression that you must now pay. Why?
A POPLA decision is not binding on you. You don't just pay unless you are fool and your money. If you believe that you have been issue the PCN unfairly, then you fight it all the way. If you follow the advice you get here, you will not have to pay a penny to GroupNexus.
As you have exhausted the appeals process without using the winning PoFA/Keeper argument, you can still win this because they will take it all the way to a county court claim but will never go all the way to an actual hearing.
For now, you must ignore all the useless debt recovery letters that are going to come your way. 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.
Come back when you eventually receive a Letter of Claim (LoC) and we will advise on how to respond and defend.
