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GTR FRAUD INVESTIGATION - Suspected Evasion

ADHappySad

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Where do we go from here…

Context: Stopped between Hitchin and London, details taken for invalid ticket so assume I should’ve got a penalty fare inspector got aggy as saw previous ticket bought and took details saying I’ll be investigated , 3 months later I received this letter back dating from May incident date.

Investigation on ticket history seems correct maybe more they haven’t picked up.

What can I expect to happen next? Haven’t wrote back either.
 

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Fawkes Cat

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Where do we go from here…

Context: Stopped between Hitchin and London, details taken for invalid ticket so assume I should’ve got a penalty fare inspector got aggy as saw previous ticket bought and took details saying I’ll be investigated , 3 months later I received this letter back dating from May incident date.

Investigation on ticket history seems correct maybe more they haven’t picked up.

What can I expect to happen next? Haven’t wrote back either.
So you were caught fare dodging in May? In that case, our advice is to co-operate with GTR: if you don't they already have everything they need to take you to court, where you will be convicted and punished with a fine plus costs, and a criminal record which you mainly won't have to mention, but might if you have (or want to get) a job where you need to be particularly trustworthy.

Before writing back to GTR, check the trips they have quoted very carefully and give them an honest answer. If there was nothing dubious about a particular trip, say so.

And you will see plenty of examples of how you should respond elsewhere in this forum. Essentially you need to reassure GTR that you have learnt your lesson and won't cheat again. So if you have been paying the right fare since you were caught in May, say so. And it looks as if GTR are prepared to settle out of court, so ask if you can do that.
 

AlterEgo

Verified Rep - Wingin' It! Paul Lucas
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Interesting that GTR as of late have caught up to the trend of investigate past purchases too.
 

WesternLancer

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Where do we go from here…

Context: Stopped between Hitchin and London, details taken for invalid ticket so assume I should’ve got a penalty fare inspector got aggy as saw previous ticket bought and took details saying I’ll be investigated , 3 months later I received this letter back dating from May incident date.

Investigation on ticket history seems correct maybe more they haven’t picked up.

What can I expect to happen next? Haven’t wrote back either.

There is no 'entitlement' for a Penalty Fare - and if they suspect deliberate evasion then it should be reported for investigation as deliberate evasion may be more appropriately dealt with by prosecution. I have often seen it posted on here that Penalty Fares are there for errors that passengers make with tickets as opposed to suspected deliberate evasion

Next steps - see the standard advice often given on here which I have copied below - obviously you are part way through this process in that they have already investigated past ticket purchasing for suspicious transactions etc and are asking about them now

Hope this below is of help

Firstly, you committed a criminal offence by travelling with an invalid ticket and railway companies are entitled to prosecute you in the Magistrates Court if they want to. The good news is they will normally offer an out of court settlement to people who co-operate with them and who haven't come to their attention before.

Next, what happens is the railway company will write to you. The letter will go to the address that you gave them / on any of your ID they checked so you need to be able to access hard copy post at that address as they often send things that way (but also check e-mail and spam). It is extremely important that you reply, and you'll only have a limited time to do so (often 14 days from the date on their communication).

When you receive the letter post a redacted copy of it in this thread, along with your draft reply and forum members will proof read it for you. You'll find lots of example letters you can use in this section of the forum but the reply basically needs to mention:

- That you are sorry for what has happened
- What you have learned from the incident and will not do this again
- That you are keen to settle the matter without the need for court action
- Offer to pay the outstanding fare(s) and the railway company’s administrative costs in dealing with the matter


The railway will probably offer you an out of court settlement. Expect to have to pay the cost of the fare for the journey you made at the full Anytime rate with no credit given for the invalid ticket you purchased. In addition they will charge an admin fee, typically £150. They will also audit your online ticket purchase history and if this shows you've purchased other tickets that were not valid (eg railcard discounted tickets when you did not have a valid railcard, or tickets for only part of the journey, or tickets bought after boarding the train you travelled on ) they will probably factor the cost of these journeys into the settlement offer. Depending on how many journeys you've made over the period concerned this could end up being expensive.

Settlements usually have to be paid in full within a few days of them being offered so if money is tight you might want to think about how you will raise the sum required at short notice.
 

akm

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GTR are of course just plain lying when they say "You are required to respond to this letter", but given what you've told us, that doesn't change the advice.
 

John R

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Given that you’ve come to the railway’s attention before for not having the correct ticket, you may need to work a little harder than usual in persuading GTR that you are not going to continue evading the correct fare.
 

SuspectUsual

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GTR are of course just plain lying when they say "You are required to respond to this letter", but given what you've told us, that doesn't change the advice.

No they're not. It is their requirement, if the OP wants to avoid being taken to court. Obviously its designed to sound intimidating and may imply to some its a legal requirement
 

ADHappySad

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Update: I have been sent a new letter after responding to the first one with an apology and they have ordered me to pay around 4k with an attachment of sandwiched tickets after back dating my trainline app since 2024 I think they’re amount is correct but I definitely don’t have the money to pay this amount. Bottom of the email it says this below. And see the attached what on earth will do. Something to note they have my full name another email cc’d into this email that’s mine but the wrong house address in the email

“GTR's standard payment terms are full payment via credit or debit card within 14 days of today's date. Please review the attached spreadsheet and confirm within 48 hours whether you wish to proceed with the settlement.”
 

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WesternLancer

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Update: I have been sent a new letter after responding to the first one with an apology and they have ordered me to pay around 4k with an attachment of sandwiched tickets after back dating my trainline app since 2024 I think they’re amount is correct but I definitely don’t have the money to pay this amount. Bottom of the email it says this below. And see the attached what on earth will do. Something to note they have my full name another email cc’d into this email that’s mine but the wrong house address in the email

“GTR's standard payment terms are full payment via credit or debit card within 14 days of today's date. Please review the attached spreadsheet and confirm within 48 hours whether you wish to proceed with the settlement.”
I fear it’s going to be this or court.

Court might be cheaper in terms of a court fine as this is linked to income if you complete the relevant court paperwork correctly, and may have ability to pay court fines in instalments.

How disadvantageous would a criminal record for this genuinely be to you eg in terms of employment and thus earnings potential?

Pause for other comments before you reply to the railway although the click is ticking.

But it may at least be worth replying along the lines of - ‘you would like to settle out of court but in view of the large sum would they entertain payments by some form of instalments plan.’
You don’t have much to loose by asking.

I note you are not disputing their analysis of the fares you have evaded.

Can you borrow this sort of money from trusted friends or family?
 

ADHappySad

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I’m a student and I have a grad job but don’t make much I had an enhanced dbs check when I joined so I’m past that and plan on staying at the firm long term would going to court and being convicted mean I have to notify my employer I probably could raise the sum of money if it was reduced to 2000
 

WesternLancer

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I’m a student and I have a grad job but don’t make much I had an enhanced dbs check when I joined so I’m past that and plan on staying at the firm long term would going to court and being convicted mean I have to notify my employer I probably could raise the sum of money if it was reduced to 2000

Thanks - I suppose the point I was making is - if your career is hoping to be in the legal profession, or maybe medical or something like that - where a very high degree of trust and probity is expected, then a conviction for this sort of thing could really damage your career, then £4k is a small price when set against your future earnings potential - even just your annual earnings potential.
If your job has lower standards of probity expected then a court conviction might have far less impact on you at work

ref current employment - esp if it went to court:

You need to consult a union rep at work if you have one on what you need to tell the employer
if you don't have a union, you need to read whatever it says in your work HR guidebook about what to tell the employer about prosecutions and convictions if it went to court. Be aware that employers may well consider not telling them about convictions as more serious than the actual conviction itself = so you should check this.

I doubt the railway / GTR will be interested in negotiating with you over reducing the sum to £2k - they have investigated what you evaded and calculated a sum in line with some sort of policy they use for this - they regard this as a debt you owe, for a sum you in everyday language, 'stole' from them. But maybe you can ask them, just like asking about instalment plans, if you have nothing to lose by doing so.

If it went to court AIUI you would end up with - from another helpful post that I copied a while back:

The Magistrates Courts will typically deal with an offender convicted under byelaw 18 by way of a "band A fine".

The amount of a "band A fine" is:

  • 50% of one week's wages, with a maximum fine of £1,000, if the offender has a job and has declared their income on the court paperwork;
  • £60, if the offender is a student, or on benefits; or
  • £220, if the offender has not engaged with the court case or provided the necessary information.
The fine would then be adjusted downwards if the offender had pleaded guilty, with a reduction of one-third for a plea at the first opportunity, tapering down to one-tenth for a plea at the start of a trial.

There are also three more amounts to pay:

  • A victim surcharge, which is 40% of the fine
  • Compensation for the unpaid fare (I believe this would be the unpaid fare for the occasion when they stopped you and have the evidence of evasion for which they would bring the court case and aim to easily secure a guilty verdict)
  • The prosecution costs
Non payment can result in bailiffs chasing you or attachment of earnings orders to your employers payroll department.

You would have a criminal conviction that you would have to declare when required until it is 'spent'


But
This also potentially opens the door to GTR seeking to obtain the debt for the other tickets evaded via the County Court as a debt owed, but that isn't a criminal conviction - it's a CCJ for a debt with less serious impact on you. They have 6 years in which to bring such a claim which has a lower burden of proof required by the county court (balance of probabilities you owe them the debt, rather than beyond reasonable doubt for a criminal case I believe would be the way to distinguish it)

We don't know if GTR would do that as we have not seen instances of it - but we have seen it with others railway companies (GWR in particular).

FWIW - Whilst I sympathise with the situation you now find yourself in, I am sure you can see it from their point of view - or the point of view of other passengers who do actually pay their fares in full - some of whom will be on low incomes no different to yourself I suspect.
 

WesternLancer

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I need to reply in 48 hours and can’t think of any way out of this
Ask them about the potential for instalments.

What fares are they charging? Are they charging Anytime fares even if you travelled at Off Peak fare times?
Do you know how to check that? If not say so and it can be explained or state the stations concerned and I’ll look it up

You could then ask if they might be kind enough to consider recovering the fares owed at the off peak rate.

These are my thoughts on your next steps.

What limit can you borrow on your credit card if you have one? Have you checked.

If you are still a student have you applied to your university hardship fund. Not for these specific fares but for financial assistance generally?
 

ADHappySad

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it’s impossible for me to raise the money sum of 4k unless I had about 6months to prepare the amount of money raised I don’t know what to even respond
 

ADHappySad

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I’ve got the breakdown it seems correct with only the odd fares that can be argued bringing it down ever so slightly it’s the fact it’s built up over 3 years
 

AlterEgo

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If the amount is correct and you have evaded all of those fares then you can only ask for time to pay. They are not bound to grant that; you have been executing a fraud of a few thousand pounds here, so you are not in a strong position I have to say.
 

SuspectUsual

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I could only pay it by January at the earliest

All you can do is very politely ask to be allowed to pay in instalments, but be honest about it - don't give them an overambitious timescale you know you'll default on, but equally don't ask for a second longer than you absolutely need to - ie every penny of your income that isn't send on absolute essentials should go to them.

I'm sure this will make your life difficult for a period of time, but its the best (least bad) option open to you
 

Sun Chariot

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I could only pay it by January at the earliest
Three years and circa £4,000 worth of fare evasion does not give you much bargaining.

If GTR's Fraud Departnent do not agree to giving you a "pay by instalments" option - and, as others explained, they have no obligation to - and if you genuinely cannot borrow / raise all the monies for this out-of-court settlement, then you are at an option of one: court.

Posts 9 and 11, WesternLancer clearly laid out the pros and cons to you, of going down that option.
 

Fawkes Cat

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You also need to look at all of your options to legitimately raise the money quickly. In no particular order
- borrowing from a bank
- borrowing on your credit card
- borrowing from family
- seeking help from your church/mosque/synagogue/community association/similar

What you should NOT do is talk to loan sharks: if violence is threatened or they want your passport or driving licence, avoid.
 

WesternLancer

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All you can do is very politely ask to be allowed to pay in instalments, but be honest about it - don't give them an overambitious timescale you know you'll default on, but equally don't ask for a second longer than you absolutely need to - ie every penny of your income that isn't send on absolute essentials should go to them.

I'm sure this will make your life difficult for a period of time, but its the best (least bad) option open to you
Yes - @ADHappySad I would suggest you draft something along these lines as your reply to them - post it here and people will check it

Have you checked what sort of fares they are asking for as I suggested in my earlier post? Anytime / Off Peak etc - are they giving credit for anything you did pay? - these could be negotiating points you could make use of in a reply to them

Have you realistically assessed the impact on you if it did go to court? How serious is that for you?

People are telling you things you could say to them (well I am anyway) that might be worth a try

Otherwise I can't see that you have any other reply to send them beyond an alternative which would be along these lines:

Dearxxx

Ref:

Thank you for your offer to settle this matter which I would like to do. However, it is not feasible for me to raise the sum asked for in a short space of time. I therefore regret that I can not avail myself of the offer to settle out of court. Please advise me how you would therefore intend to progress this matter because I would still like to resolve it.

Yours sincerely

etc
 

ADHappySad

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Can I not ask them to reduce the sum by an amount so I could actually afford it

== Doublepost prevention - post automatically merged: ==

I know I can raise 4k by January but I could raise 2000 for example a lot faster at a much shorter notice could I bargain with them to pay up at an earlier date for sum if granted a 50% reduction of fares recovered
 

SuspectUsual

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Can I not ask them to reduce the sum by an amount so I could actually afford it

== Doublepost prevention - post automatically merged: ==

I know I can raise 4k by January but I could raise 2000 for example a lot faster at a much shorter notice could I bargain with them to pay up at an earlier date for sum if granted a 50% reduction of fares recovered

They say you owe them an amount of money for fares you’ve avoided.

The first thing to do is check that the amount they’ve calculated is correct, ie:

- no journeys included that you can prove you paid for correctly

- the right prices have been used

After that, it’s about how to pay. You can’t ask them to reduce the amount just because you say you can’t afford it. Well, actually you can, but they’ll say no

If you can raise 2k soon but not 4K till January then say so in your request for instalments. They don’t have to be equal instalments, and if I was them I’d be happy to accept 2k in August and (say) 400 a month from September to January, than 4k on equal instalments

If you demonstrate you are doing everything you can to pay as much as you can as soon as you can you will stand the best chance of getting an instalments plan
 

ADHappySad

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I’m in a graduate job currently if I was convicted would I have to notify my employer as I have already passed my enhanced dbs check last year when I joined and I’m on the scheme for another year atleast. I plan to move out into a apartment in the next year or so also would it affect that
 

AlterEgo

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Can I not ask them to reduce the sum by an amount so I could actually afford it
Everyone else who takes the train has to pay for their train fare. As you don't dispute the amount owed, on what grounds should you not pay? Remember GTR is a state owned company now and they are now making special efforts to recover historic fares which were defrauded from them.


== Doublepost prevention - post automatically merged: ==

I know I can raise 4k by January but I could raise 2000 for example a lot faster at a much shorter notice could I bargain with them to pay up at an earlier date for sum if granted a 50% reduction of fares recovered
They aren't going to write off half of the fares you owe. More reasonable is to pay £2000 now and ask for time to pay the remainder.
 

WesternLancer

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I’m in a graduate job currently if I was convicted would I have to notify my employer

As I said before this depends on what you employers HR manual says that you need to do if convicted of something whilst in their employment

as I have already passed my enhanced dbs check last year when I joined and I’m on the scheme for another year atleast.
I mean logic tells me that whilst you may have passed a dbs check at recruitment stage if you then went on to become a bank robber and got caught for it (ridiculous example I know) I rather suspect your employer might expect to be notified about it

I plan to move out into a apartment in the next year or so also would it affect that
That depends on what sort of pre tenancy check the landlord carries out before offering you a tenancy I suppose, (or if it involved buying with a mortgage if the bank asks about - which I am pretty certain they would) or if they ask you a relevant question about convictions. It's not wise to lie since convictions are a matter of public record (that is literally what a 'criminal record' means - a record of people who have been convicted of a crime by a court, AIUI)
Insurance companies often ask about convictions eg for car or home insurance - I imagine for some sorts of offence it might increase the insurance costs

You might get some useful info on this sort of thing from this charity website that exists to help people with convictions


But you are some way off being convicted yet anyway

Your focus, as you know, is the next reply you need to send to the railway company

== Doublepost prevention - post automatically merged: ==

They say you owe them an amount of money for fares you’ve avoided.

The first thing to do is check that the amount they’ve calculated is correct, ie:

- no journeys included that you can prove you paid for correctly

- the right prices have been used

After that, it’s about how to pay. You can’t ask them to reduce the amount just because you say you can’t afford it. Well, actually you can, but they’ll say no

If you can raise 2k soon but not 4K till January then say so in your request for instalments. They don’t have to be equal instalments, and if I was them I’d be happy to accept 2k in August and (say) 400 a month from September to January, than 4k on equal instalments

If you demonstrate you are doing everything you can to pay as much as you can as soon as you can you will stand the best chance of getting an instalments plan
very much endorse this approach in the reply the OP needs to send now - offer something like this and see what the railway says

To @ADHappySad - draft a message up along these lines - post it here for checking to help you get it as good as it can be
 
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Fawkes Cat

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I’m in a graduate job currently if I was convicted would I have to notify my employer as I have already passed my enhanced dbs check last year when I joined
Check what your contract says. If there's a union where you work then ask them as they would be likely to know.
. I plan to move out into a apartment in the next year or so also
If the apartment is more expensive than where you are now, putting off moving may be another way to raise the money that you owe the railway.
 

Haywain

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Can I not ask them to reduce the sum by an amount so I could actually afford it

== Doublepost prevention - post automatically merged: Today at 12:12 ==

I know I can raise 4k by January but I could raise 2000 for example a lot faster at a much shorter notice could I bargain with them to pay up at an earlier date for sum if granted a 50% reduction of fares recovered
In terms of a reduction in the amount owing, it's clear what's in it for you but what is in it for the train company? The answer is nothing. You really need to appreciate that there is a victim in this and it isn't you.
 

dosxuk

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Can I not ask them to reduce the sum by an amount so I could actually afford it

== Doublepost prevention - post automatically merged: ==

I know I can raise 4k by January but I could raise 2000 for example a lot faster at a much shorter notice could I bargain with them to pay up at an earlier date for sum if granted a 50% reduction of fares recovered
Currently, they have the choice of taking you to court or settling before it gets there. Once it goes past 6 months from the incident date, they lose the ability to take you to court for the simple fare evasion case - so it's very much in their interests to make sure they get any settlement money by then.

So while you may be able to negotiate paying them back over a period of time, expect that to be weeks rather than months - they're using the threat of court to make you pay, and they'll be worried with that threat gone that you'd just not bother paying.
 

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