I religiously check all railcards, of all types, for all tickets types, all the time. All those found without, or with out of date railcards WILL be charged the full fare again regardless of ticket type or journey.
And speaking as a fare-paying passenger myself, I'm most glad to hear exactly that!

If everyone bought the right railcard (Where appropriate) and the right tickets for their journey, the fares would be at least 33% less than they are now! It's fare evaders and railcard/season "overstayers" (Those who keep using past expiry dates) who keep pushing the Bloody fares up!
Granted, I know that means I'd get chinged for full fare if I bought a Y-P ticket on a day that I forgot to slip my railcard into my pocket, but then again the railcard T&Cs are clear:
Thy railcard MUST be in thy possession for its discount to be obtained. If ye don't have thy railcard in thy possession at time of travel, then ye are treated as having no railcard at all, and must pay the appropriate non-discounted fare.
That said: If I forgot my railcard but went and bought a Y-P ticket from a QFM per regular habit, would I be able to get an excess for the difference if I spoke to a ticket office or Guard as soon as possible after realising this? Or would it be treated by default as an attempt at fare evasion?
It amazes me that people can be this stupid...
Ditto for me, too. If people can be as daft to think that their Natwest account gives them 1/3rd off train fares by default (I've had a Natwest account myself for several years, and the only time that card has been used successfully on the rails is when making Avantix payments!) it makes ye wonder how on Earth they managed to understand and complete the forms to open their account in the first place!

hock::roll:
That said, HSBC are both a bank
and a ROSCO. If I opened an account with HSBC, would I be able to obtain 1/3rd off on purchases of surplus 442s and brand new 390s bought on a finance plan?

And I have heard every excuse over and over again.
If I may ask (Just because I'm curious/nosey*) what are the three worst and strangest excuses ye've ever had for an invalid or expired Railcard?
* - Delete as appropriate