I moved house in June amidst a huge of amount of trouble regarding divorce and a bitter custody battle for the kids. Unfortunately in the midst of all of this my tax renewal was posted to my ex-wife's house and she promptly threw it in the bin without telling me. I stupidly continue to drive around my car without ever checking the tax disc, I thought it was for renewal in March 2013 when it really ran out in July 2012. I got a police warning yesterday telling me that they have submitted a report to the DVLA and the maximum penalty is 5x the annual tax which for my car amounts to about £1200. I am currently in financial crisis after all the legal proceedings that have finished and few that are still going on. I would really like some advice on how much I might be fined (is it definitely the full amount?) so I can get an overdraft from the bank.