Well, we discussed that the 5 minutes to pay is in fact a penalty and not allowed. In the Beavis case the Supreme Court held that when considering whether a contractual clause is a penalty “The true test is whether the impugned provision is a secondary obligation which imposes a detriment on the contract-breaker out of all proportion to any legitimate interest [...] in the enforcement of the primary obligation. The innocent party can have no proper interest in simply punishing the defaulter. His interest is in performance or in some appropriate alternative to performance.”
It is an impossibility to enter the car park, find a parking space, find the signs, read the signs, download the app, set up the app and then purchase the permit in under 5 minutes. However, as long as the permit was purchased and covered the period of parking, Excel have no right in law to "punish" you for breaching an impossible term.
The
CRA 2015 section 62 also applies. An unfair term is not binding on the consumer. Also, a term is unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations under the contract to the detriment of the consumer.
You can pick loads of things from the CRA, have read of it.
As you are dealing with the intellectually malnourished ex-clamper thugs at Excel/VCS, I wouldn't put much more effort into it at this stage. What you have written is good enough. You could write War & Peace and throw in a ton of case history but you'd be wasting your time as they will reject it, no matter what.
You're just going through the motions to show that you have made an effort to engage. Send what you have written but don't hold your hopes up for a quick or easy resolution. this will eventually be won but you have to know what to expect. As long as you follow the advice you will win in the end.
Of course you should be complaining to the landowner. They are jointly and severally liable for the actions o their agent. You have paid for your parking but their agent is acting unlawfully by trying to charge you a penalty which, as pointed out above, is not allowed.