Right you are, I wonder how many pcn's I've probably neglected to open, or speeding tickets! My current problem is the online dvla site took my money for the tax but started it from 1-Jan-2016. So my car is showing as untaxed from 1st Dec 2015

Yep I can't remember why I chose to tax for 6 months the last time. I guess I should be grateful it wasn't towed. In addition I can't understand why the reminder remained unopened I need to sort out the misses' filing system.

This may be a common thread apologies if the information is elsewhere. I've just found a reminder to renew road tax which was due to expire November 30 2015. In my defence since there is no longer a paper road tax disc displayed on my windscreen I had no way of knowing this. I tried to apply for the tax online but since it expired in December and it is now January 10th it wouldn't let me. I eventually managed to pay online for the road tax but it was showing from 1st Jan 2016. In addition the website still shows my car as being untaxed! My question is when should I expect to receive a fine and how much will it be. I've heard £80! Should I expect a court summons? Is there a way of appealing the fine, I was sent no reminders by the dvla.

Thanks for that, I've already sent Nationwide 3 private messages and they just more or less tell me that I need to pursue it with the organisation they paid out to. Which isn't getting me far as they have no details of me on their system. They can't even query the system with the building society account details! I'll let you know how I get on.

Hi, sorry this is a long one, please bear with me. I was going over my wife's current account statement and I saw a monthly direct debit payment for Homecare Insurance for £8.99. Neither of us had any idea what this was for. I sent an e-mail to Nationwide for information and they gave me the address of the company the money was going to. The company turned out to be CPP so I gave them a call. They told me that they have a sister company called Phonesafe which were likely the culprit. However after getting in touch with Phonesafe they told me that they have no record of my wife or her mobile phone. It turns out that they insure mobile phones for T-Mobile. Wy wife used to have a monthly contract with T-mobile but this was terminated in Feb 2009, the dd started in July 2009? And we had never agreed to insurance when she was using the phone. The really weird thing is that when we were on the T-mobile contract the money went from our joint LlyodsTsb account. So how had phonesafe got hold of the NWide account details. The only thing I can think of was my wife had used the account debit card to top up her pay as you go phone. Anyway my question is where do I stand with regards to claiming a refund? Would it be through Phonesafe or Nationwide? I have sent copies of my statements showing the direct debit to Phonesafe but they have failed to reply. Any help would be gratefully appreciated. Ta.