Please stop calling it a “fine”. I’ll give you £100 for every occurrence of the word ”fine” or “penalty” you can evidence on the correspondence. What they are chasing is an unpaid, speculative invoice for an alleged breach of contract by the driver.
The debt collector will not handle anything. I don’t know how many times I have to repeat it, the debt collector has no skin in this game. They are powerless and irrelevant. IGNORE them. They are simply engaged on a no-win, no-fee basis to try and persuade the gullible and ignorant out of their money by using scary words like “CCJ” or “bailiffs”. If you’re adamant on making contact with a debt collector, it should only be to tell them to go sit on a sharp stick and rotate, slowly.
What happens next depends on whether MET want to try and scare you into paying by threatening litigation. They probably will. They are most likely going to use a firm of bulk litigators, usually DCB Legal to send you an LoC. If/when tney do, let us know.
Eventually they will issue a claim in the county court which will arrive as an N1SDT claim form from the CNBC. Again, when it does, show us and we will tell you how to do the Acknowledgement of Service (AoS) and provide a defence template to use.
The whole matter will end early next year when they will discontinue. I say this with greater than 99% certainty. As long as you are here and receiving and following the advice, you won’t be paying a penny to MET.