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So it seems therefore that the judgment is correct. If the firm didn't wait for the cooling-off period, there was a risk they wouldn't get paid. Period. That is what the cooling-off period is for.

Once that period has passed, then the client has control of their own claim, not the lawyer. But if they do a deal direct, the lawyer can (and should) claim their costs from the client. If the client then loses out, it is the client's own fault. They can then take it up with FOS, their MP, whoever.

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