In fact, for the Times Club Monthly you can only obtain this from the club and so sensible times are recorded which confirms that there are some, as you say, silly people, buying the crossword, then completing it online in silly times, such as two minutes. I can only imagine that they buy the crossword to do this, but there may be some who have two memberships, or are in cahoots with someone else. The time starts the moment that you access the crossword and either do it online or print it off to do it. Score is 600+ if all correct. Points are also gained on time, up to one hour for normal and two hours for Jumbos, I think. Sometimes I've got one wrong and when I then check it is usually a silly typo and too late to change. Annoying.