17/09/2012 I traveled on the train from Ipswich to Loughborough via Ely. I had both tickets and my young persons railcard with me. On the Ipswich to Ely leg of the journey I couldn't find my railcard straight away. Explaining that I had no money or cards with money on them the ticket inspector confiscated my tickets and made me sign a penalty fare (from Ipswich to Ely only) for not having a railcard. Cost £11.80 Had he gave me more time I would have located my railcard. (which I found on the 2nd leg of my journey) From Ely to Loughborough the ticket inspectors saw my penalty fare and didn't ask any questions. However when I got to the Loughborough train station they wouldn't let me out. They took my penalty fare notice off me without my consent and photocopied it. I wasn't issued a second penalty fare. When I got home I appealed against the penalty fare, however I was denied. I also received another letter from the IRCAS saying I owed them £40.80 presumably for not having any tickets in Loughborough. I don't think they can charge me for the 2nd leg as I never officially got a penalty fare. And I don't think they can charge me for the 1st leg as I had a valid ticket and a railcard (despite not being able to find it at the time). Should I refuse to pay? What are my chances in court, if it goes that far? Thanks