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Expired Railcard -Excessive Fine

A bit of advise please.  I genuinely didn’t realise my Disabled Persons Railcard had expired.  I normally get a three year card.  For some reason I only did a year last time. Stupid I know, so no judgements please.  
The cost of the ticket was £7.05, so the saving was only £2.33.  

The staff member at the station said when the letter from Northern Trains arrives, to explain my error and it’d be fine.  Only it wasn’t. 
I have been fined £104.40. 

I would never dream of trying to cheat the system.  I mean, who would just to save a couple of pounds, never mind on the back of their condition.  

I accept that I made a mistake but the amount is extortionate.

Would I be able to maybe negotiate an amount?  
£104.40 for accidentally underpaying £2.33 seems crazy.

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