[Kymmy]

Lets play spot the difference:

1. But in each case if an offence is caused by the owner or a driver with permission the owner will get the letter and it will be then referred to the driver with permission where as if someone steals the car the owner has a defence.
   
2. But in each case if an offence is caused by the account holder or a downloader with permission the account holder will get the letter and it will be then referred to the downloader with permission where as if someone steals the wifi the account holder has a defence.