This story is interesting but does not seem to have been picked up by many news outlets. Maybe because the ICO had not publicised the outcome of its DVLA investigation?   Parking fines: DVLA breached law over sharing drivers’ details | DVLA | The Guardian WWW.THEGUARDIAN.COM Agency could face compensation claims after data watchdog rules it...   It looks like there are mixed views as to whether any drivers affected will be able to benefit from this.

this should be obv from dashcam footage and is useful to your case. imho.    

Soaring petrol prices could speed up the transition to electric much faster than expected.View the full article

sorted the PDF  not sure why you posted a form up we know what they look like   when was the last payment made through the IVA to any of the debts within it? or the last time you paid the IVA company? did the IVA just fail as you stopped payment? i suspect so?    

you could write and appeal to there better nature and default the A/C on the 3rd bad marker, explaining as you have above you feel it unfair, but in all truth if its after 2014 this all started, they are under no obligation to do so.   dx