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We are all speculating to an extent: however as per the issue of informed consent, if the client was provided with the T&C and signed the same I am not sure how their consent was other than informed.

Of course if the client did not read the form but indicated that they did, does that vitiate consent? I would suggest not.

As for ATE @ £50 being proper policy, get a grip.

If it is a disbursement funded policy then for the underwriter to meet the cost of a single Medco report it would need to write at least 5 policies, and to turn a modest profit after administrative costs, costs of cash reserves and so on probably double that. I cannot conceive of a PI firm having a success rate of in excess of 90%.

Reverse premiums, secret commissions and so on are nothing short of dishonesty and the SRA should take public steps to ensure that these are not being received, to include without notice visits and an examination of the accounts. This would take no more than a couple of hours per firm and if on inspection there were such payments then immediate intervention should follow.

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