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The system really is broken.
A few years ago and entirely unknown to me an established client went elsewhere for mortgage work.
Guess why? Because it was a fraud and he knew we would know and wouldn't do it and report it.
Anyway it all fell apart and the SRA investigated us for 2 years because ( they said ) we should have known/reported and then wanted 43500 in costs because it was all our fault apparently.
The firm that completed the fraudulent mortgage couldn't possibly have known anything was wrong. But then they had 88 partners etc etc and we have 2.

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