A Toby is a degrading term used on inferior beings. Generally a Toby will come in the form of a general idiot. The term is most likely to be heard from the passenger-side windows of Peugeot 206s in the North-West of England aimed at Tobies who are passed on the street.
*Whilst passing through derelict towns such as Burnley in a car*
Look at that supid fuckin Toby, who the fuck can fit their shoes on backwards for fuck's sake: Fuckin Tobies, pffff.