Sorry to rebut your post, but several of us were in Court the other day and the Judge ignored what you are stating. This is why we developing new tactics and we have asked for the POC's to be run past us to check that there is no loophole.
The Judge even chose to ignore the Banking Code
and making very clear the fact that irrespective of what the FOS say, revocation of S127 3-5 is NOT retro and only applies to post April 07 agreements clear in the first post (I also think whoever got that from them should take them to task about misinformation that could costs people thousands)
It was Me who got it from the very top and we are waiting clarification that this is the case, until this happens, it stays the way it is.
After last Thursday week and the way the Judge responded anything can happen.