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Hi anons - I don't think I'm incredibly naive as you suggest.
It's just that running a Claimant PI practice where you see all of your clients from the outset, explain to them at the outset what FD means (on the basis it's likely to be raised by the likes of HF, Berrymans or Keoghs) reduces the risk enormously of clients going rogue.
I can imagine the problem is more prevalent in those firms where clients aren't seen (perhaps at all) and have come via some third party introducer.