UK Traffic Law
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Sorry for the delay
How can I help with this please ?
Are you asking if you are liable?
They may think they are.
Are you willing to risk being sued?
The only way to guarantee you are not sued is to pay in full. There is no other way of achieving that.
If you are prepared to run the risk then the chances they will sue are fairly low. There has been some recent case law in their favour although it doesn't establish anything relevant to your case and, in fact, is only persuasive authority is Scotland anyway.
However, it is fair to say that has made them more aggressive than formerly and they are suing more people.
That said, you can still put them to proof on the identity of the driver and the adequacy of signs.
Can I clarify anything for you?
All the best.
Don't be intimidated by debt collectors. They have no power.