Always get a head ache on this sub forum.
You say it is HP then you say a short term Lease.
You say you are not guilty because you were not the driver,
Then you pay the authority.
I think you have been given advice before the advisor bothered to fully appraise your situation.
What happens next? Who knows. I suppose it all depends on the success of your claim
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!