Also, what day did you park there? The timings of the letter from the solicitors is critical as they are pursuing you as the owner, not the driver so they have to obey the regs of the PoFA

Stop wasting peoples time asking for help you have no intention of taking. There is no need to be rude to the people on here. At no point have I denied that they know you have 2 pensions. Obviously they know because they have separated your personal allowance between the two, it's just too low in one and too high in the other. It is easily resolved but if you don't want to bother then go moan about it to someone who cares, not on here. Don't call them if you don't want to. It's up to you. It will automatically be reconciled in the next few months anyways.

I'd try asking your bank to sort it out directly with Cap 1. Show them the e-mail from Cap 1 in person. Good luck.

You are seeking advice from another forum, so you may have a conflict of interests and different advice. Now having read both threads was the case from a previous address or the one you are living at now? If it is the address you are currently living at then the case against your partner is flawed. As you have stated he moved in a month ago. If at a previous address can you confirm this please. As this will again reflect on the advice you may be given It maybe that the EA has the previous address on the warrant, have you seen this warrant yet? Also in both forums