First off Jayne, dont panic, if it was not you driving.
You have not done anything wrong, but the "system" is bullying you all ready, as they really need the money.
Get yourself over to Pepipoo
here for some free legal advice. Make sure you give them all the details you have to date, regarding the NIP, the time it has taken, and the time you notified DVLA.
I suspect you will need to view the photographs to see who the driver was.
Check too that you have not allowed somebody to drive the car who was not insured.
Keep us posted here - I'm sure somebody else will be along with anything I have overlooked at this late hour!
