Pepipoo do have some very good advice - sadly most people still won't go to court as there is always that risk. I got a NIP through for 91 in a 70 zone (A9 dual carriageway near Gleneagles) and the offer was a 3 point 60 quid, or go to court.

Although I think I was absolutely in the right - I usually speed up to overtake, and I couldn't slam on the anchors as there was a BMW quite close behind me and he may not have responded in time - I just wouldn't be able to afford it if a court judgement went against me.

What I would rather see is more traffic police who can make the call as to whether someone is driving dangerously or not - regardless of their speed, and less cameras which do nothing to help safety but just rake in the cash.