Free Traffic Legal Advice

Aren't we off-course.

The creditor is UKPC, not Skoda.
I cannot find anything in Skoda's correspondence which suggests they'll make any financial demands upon you other than they receive a 'second notification'.

But IMO you have no reason to think they will because:

UKPC have sent you a NTH;
And a Final Demand;
And an unseen letter(from a 'debt collector').

IMO, ignore Skoda* as regards the NTH, they're a distraction from what you should be doing which is appealing/writing to UKPC.

Apparently the UKPC we site won't let you appeal.

None the less, you should write to them and appeal.

Why?

Because it's what a normal motorist would do who has taken the time to establish the relative legal positions of the creditor and hirer and discovered that the creditor may not legally pursue the hirer of the car as hirer. The hirer then should communicate this to the creditor at the earliest possible opportunity. You can't do this online, so write to them.
In effect, the hirer would be setting out their cast-iron defence to prevent the creditor incurring unnecessary and irrecoverable costs by continuing to pursue the matter. 

The legal position as I see it:
Failure to provide the mandatory docs under para. 14 to Schedule 4;
Failure to state correct practically all the mandatory periods and conditions applicable under para. 4 as regards having the right to enforce against the hirer.

*-if Skoda do write, then come back.
**- read para. 4 and see what a NTH should contain: https://www.legislation.gov.uk/ukpga/2012/9/schedule/4/enacted

Thus, *if* VWFS do act as they have often done, op needs a different approach because they then have a contractual dispute with VWFS instead.

Indeed, but so that this thread does not get unduly sidetracked by an issue that may not emerge, I suggest we cross that bridge if we come to it, and for now focus on the OP's dispute with UKPC.

I wasn't trying to sidetrack merely alert the possibility of having to change direction. Fwiw my sons experience was 2 he ignored VWFS just paid (he got the "policy" letter. 1 he appealed went to debt collection etc. The likely trigger for the difference is obvious.

OPs version has no mention of “charges” and only shows a list of “fines” under the sub heading of “Fines”.

OP, IMO you should forget about VWFS for now and deal with UKPC.

DWMB2 gave you a detailed form of appeal on 28 April, within UKPC's arbitrary appeal period.
But an appeal was not made.
UKPC haven't heard from you and so have gone into auto mode i.e. sending reminder and then debt collector letters. Standard stuff.

IMO, you must write to them along the lines set out earlier. They can regard or disregard, that's their choice. But you should show them that you know the law and that they are on to a loser should they proceed to court.

The longer you wait to communicate the more confident they become that they've found another mug who will pay eventually after they've applied their literary thumbscrews.

You have blurred out the particulars of claim, but we need to see those. They form the basis of the claim against you.

Please remember this is our first time at bat. Elsewhere in this forum there is advice about blurring out identifying information. I thought I was doing the right thing.

Here are the Particulars of Claim...

https://imgur.com/qenb1NP

I shall proceed with the AoS now.

Thanks 🙏❤️

I shall proceed with the AoS now.

Done ✅