I work at Queen's Park and travel daily on weekdays to/ fro Finsbury Park (my house). I have a zone 2 and 3 travel card. 11th October evening while returning from work I experienced inconvenience due to one of theTFL members checking tickets at Finsbury Park Station Firstly, upon request I produced my oyster and was told I do not have a valid ticket for my journey and was asked to pay £25 as fine. As stated I had a valid zone 2-3 monthly travel card and I did touch in as usual at Queens park (at start of my journey) and my card was confiscated just before the exit at Finsbury Park(my home). If I had touch in at Queens Park (Zone 2) and touching out at Finsbury Park (Zone 2) and have a valid zone 2-3 travel card, how could this journey be inappropriate/ not valid?? I am a hardworking individual and respect the laws and the TFL system, I fail to understand where I was wrong as I was asked to touch in and out at the start and end of the journey by TFL staff. staff suggested that I was using the card which is registered under my Husband's name. I am married and live together with my husband and accidentally had swapped our oyster card a while ago. When we realized this we did speak to TFL staff at Queens Park on 18th of September 2011 at approximately xx:xxpm and were told by the staff members (a lady member and another gentleman) and both advised to us that it was not worry if we had exchanged cards as we are same family and also legally married. We also did top-up of £x:00 and £x:00 on our card numbers respectively. Upon explaining this -staff said "I don't believe in any rubbish you are saying, you are a very CLEVER FRAUD and obviously you haven't tried hard enough to exchange the oyster. If our staff has told you this you could have used your brains. People like you should be taught a lesson rather than a fine. You deserve to be taken to court. " Lastly staff went on writing the incident report in their own narration which was not at all as per the flow of incident and misleading. their comments were very biased and at time racist to certain extent. After confiscating my card they refused to provide me with any supporting document and reference. I was left with no oyster and receipt. I was forced to buy a new oyster card including monthly travel card. This has left me in despair and mental trauma. I am so shocked and stressed by this whole episode, despite being following all rules and touching in/ out my journey I felt being targeted and treated with disrespect and as a criminal. I am a thyroid patient and despite mentioning it to staff that I was getting late for my medication (which I had at home) I was kept standing for 45-50 minutes. I am new to this country, my husband and I spend appropriate money to commute in London. We respect all the laws and regulations and religiously abide to the rules but as a lady traveler I felt I was harassed. Now today I received a legal notification from tfl stating they will take a legal action against me. Please suggest what should I do?