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Jeffrey, I am 11:37.

I sort of agree that what he should pay should be the cost of regulation and the £5k costs on top.

Mind you, if he hasn't been regulated for 12 years what should he pay for? It does rather show that so much regulation isn't needed.

As for paying the PII - nah. Let him bear the risk of a claim and if there isn't one then good for him.

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