In addition to the legalities, other downsides exist to overloading, not least of which is a health and safety issue. When overloaded the vehicle is harder to steer and braking is less effective. It also increases the general wear and tear on tyres and suspension, meaning increased maintenance costs.
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Insurance policies may be null and void if a crash was found to be caused by an unsafe or excessive load, and fuel consumption increases. With the increased cost of road tax, we all need to take better care of the roads, and overloading increases the strains on the road surface as well.
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