No wonder you know what you're talking about then!
This is exactly the reason I use forums like this - never fails to amaze who's out there looking. Thanks again - valuable info for me and I'm sure many others in future.

NoDo$h wrote:

Used to be Head of Complaints for one of the UK's largest insurers. Have since done consultancy roles for a number of banks, insurers and credit businesses and work with them to stop them upsetting the FCA, FOS, ABI and their customers wherever possible!

Have done various interesting gigs in gov, defence, nuclear and police as well, plus a bit of back-room stuff with some of the motor manufacturers, including Ford, Honda and Ineos.

It's been an interesting and varied life!