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Today's edition of the Herald has it on the front page

The FOS don't have to consider the Law, they operate on the basis of what they think is fair, and they normally consider that PPI refunds shouldn't be...

I don't think the last paragraph is relevant as that was covered by Dooneen in the Supreme Court

The RBS appeal judgement was handed down yesterday (21-11-19) and RBS lost,as such any PPI refund offered after a Trust Deed completed (Both Debtor an...