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this is so unfair

Hello, I need a bit of help and advice...
I bought a second hand car in sept. 2008 (privately) when we were negotiating with the girl she didn't wont to go down too much with the price because she was selling with road tax.
The disk was there and would have expired in November 30 2008.
Now November 17 my car was taken away , and when I went to collect I was told that wasn’t covered by road tax. (i was having a bit of family problem so I didn't really go on with this , I just paid and got my car back) now after a month I got an out of court letter, saying that the car was not cover with road tax for 6 months or more and that to settle the problem I had to pay £100 extra.
That was impossible because I had the car for just about 2 months and 1/2. I wrote DVLA a letter proving when I bought the car and proving that the car did have a disk. I tried to contact the person that I bought the car from and she was saying that she never got refund for that disk that the car was cover with road tax for the whole time.
I tried to get refund for this ( the money I paid to the impounding place) , and dvla forwarded my details to the local authority ,then they wrote me back saying that I cant get refund that was my responsibility .
So this person has been driving around before I bought the car form her without a valid disk , she made a full out of me and I have to pay for her dishonesty? How far can I go with this what can I do? I really think is really unfair and I really didn’t know that a person can get refund from DVLa without sanding the disk back. (spoke with dvla and they told me that if a person saying to have lost the disk and ask for refund has to sign a particular form. so if the previous owner did that and I have the prove that she lied , she didn’t loose the disk, shouldn't be her the one to be prosecuted and not me?) Thanks a lot
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