I was stopped just before coventry train station, I wasnt trying to use to swift card but a ticket I bought using a railcard, which i didnt own. The train ccompany is Avanti West Coast.
Here is my draft if you would kindly read:
Good Afternoon, when I took the train that day I purchased a ticket using a railcard. Before I had a swiftcard which allowed me to go to university, however for some reaosn it expired a week before the end of the semster. I do not own a railcard, and I am sorry for using a railcard without owning one. I have learnt to now buy a railcard if I want to receive discounts. I am keen to settle the matter without the need for courta action. I am willing to pay the outstanding fare and the trains admin costs in dealing with the matter.
Thank you (Name redacted by forum team)