Since the posts have been merged, I'll answer my own question 1 :-). The penalty for not displaying a tax disc is an FPN, so I'm going to include it there and will explain in the cover letter that it was a genuine mistake - I paid the tax but didn't display it so never intended to break the rule or ...

I am going to write a cover letter as there are some points in the application form I would like to provide more details for. Are there any particular conventions for writing it? Does it have to be in 'legalese' or is it enough to just write a letter in a formal style?

I've completed the application from and have a few questions. Apologies if they've been asked (and answered) - I did run a search. 1. I remember paying a penalty for not displaying the road tax payment (that was before they changed the rule) but can't find any details. Would it be something issued ...