They will check all transactions potentially up to six years.
They will list all the purchases and identify ones they deem to be suspicious, for example:
- If a Wolverhampton to Colseley and Five Ways to Birmingham New Street tickets are purchased on the same day then they will assume you've made a Wolverhampton to Birmingham New Street journey
- If a Jewellery Quarter to Birmingham Moor Street ticket is purchased but you live in Wolverhampton then they will assume you've made a longer journey
- They will look for railcard discounted tickets and ask for evidence that you held the appropriate railcard
- They will look to see if there is any pattern of refunded tickets
You will have the opportunity to comment on the suspicious journeys. Using one of the examples above, if you could show that your Girlfriend lived near Jewellery Quarter station then that would remove those journeys from the suspicous list.
Expect to have to pay the cost of all the journeys made with invalid tickets at the full Anytime rate with no credit given for invalid tickets purchased. They will also charge an admin fee, typically £175. Settlements normally have to be paid in full within a couple of weeks of them being offered, payment in installments isn't normally allowed. You might want to search your own Trainline account to work out the sort of sum involved (you should be able to see more transaction details on the website version rather than the app) and if money is tight think about how you can raise the sum required.
The alternative to an out of court settlement is that the train company prosecutes you in the Magistrates Court for the offence where you were caught. If this happens you would be found guilty and have to pay:
- A fine based on your income, normally discounted by a third if you plead guilty at the earliest opportunity
- A surcharge of 40% of the value of the fine
- A contribution towards WMTs costs
- Compensation for the fares avoided
In addition you would have a criminal conviction although the court would normally allow the fine and costs to be paid in installments. Whatever the outcome, I'm afraid it's going to be expensive.
Let's not get ahead of ourselves just yet. Wait and see what the reply to your email is and let's go from there.