Thanks for all your detailed and knowledgable answers! I really appreciate the information ..
Yes, I did not travel with a railcard, I accept the responsibility.
However my issue is with the fact FGW are charging me for an anytime single when my actual ticket was super off peak single - do they have a right to do this?
Also, my train was over two hours late and I am told I cannot gain compensation - so not only can I not claim any compensation, they are also charging me an unjust fine. With regards to the £65.00 admin costs, do I have the reight to ask for a breakdown and for them to justify the costs - because it seems to me they could ask for any number and say 'costs incurred to date'. The reason I was travelling to my destination was a meeting, I missed the meeting due to the train being late and hence the journey was pointless.
Any info would be great like the standard above..Many thanks