{"meta":{"key":"c_ew--pass-01","task":"C_EW","title":"England and Wales: debt-adjusting and debt-counselling providers","parent_title":"England and Wales consumer debt and resolution","edition":"pass-01","path":"/research/c_ew--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":23,"claims":61,"sources":66,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"5808cd0e79b24af9771ebf341eed8940c448e4f4d8d7a869dfe19c35a1ea942f","headings":["England and Wales: debt-adjusting and debt-counselling providers","1. Substantive findings","A. What activity requires permission?","B. Which providers and exemptions are actually relevant?","C. What must happen before and during a consumer engagement?","D. Money held for creditors, firm failure and remedies","E. Private arrangements versus statutory debt mechanisms","F. Practical consumer verification path","2. Worked decision scenarios","Scenario 1 — Paid negotiator versus claimed charity exemption","Scenario 2 — Voluntary debt-management plan versus a statutory procedure","Scenario 3 — Welsh customer, overseas provider, overseas creditor","Scenario 4 — Distance settlement service: partial work, cancellation and segregated funds","Scenario 5 — Inappropriate advice and an attempted “government write-off” promise","Scenario 6 — Client-money shortfall and redress are different questions","3. Complete visible source register","Perimeter, actors and verification","Consumer engagement, charging and prudential rules","Client money, complaints, compensation and published decisions","Private arrangements and distinct statutory mechanisms","4. Atomic claim register","C001–C030: perimeter, actors, engagement","C031–C061: charging, client funds, redress and mechanism boundary","5. Granular coverage register","A. Regulatory perimeter","B. Actors, exclusions and safeguards","C. Engagement, fees and arrangements","D. Client money, complaints and redress","E. Mechanism and geographic boundary","F. Explicitly deferred parent topics and next-pass questions","6. Research audit, unresolved questions and publication holds","6.1 Retrieval and evidence log","6.2 Important source-version checkpoints","6.3 Researcher self-check","6.4 Material questions for the next focused provider pass","6.5 Evidence-grounded content and tool opportunities","6.6 Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_EW/pass-01","facets":{"geography":["international","c_ew"],"debt_type":[],"stage":[],"subject":["counseling-dmp"]},"scope":"England and Wales: paid debt-adjusting/debt-counselling provider authorization, conduct, fees, funds and consumer pathways","pending_corrections":3},"markdown":"# SettleADebt — C_EW PASS-01\n\n## England and Wales: debt-adjusting and debt-counselling providers\n\nSubstantive research completed with statutory-source holdsResearch baseline: 22 October 2026, America/Los_Angeles\nActual public-source checks: 26 October 2026 — UTC; Pacific Daylight Time (California); GMT (England and Wales)\nMethod: Read-only browsing of official FCA Handbook, FCA, Financial Ombudsman Service, FSCS and GOV.UK sources. No provider, individual, licence, customer or property lookup was performed.\n\nAcceptance status: HELD. This is a substantive, independently researched provider-regulation component, not an accepted England-and-Wales country dossier. The FCA's operative Handbook rules and official explanations were read. However, direct attempts to open the current consolidated legislative text on legislation.gov.uk failed, including an alternative presentation of the Regulated Activities Order. Consequently, several statutory perimeter and exemption conclusions remain qualified by their FCA primary-source interpretation, rather than independently verified against every operative amendment of the underlying legislation. The precise gap appears in the registers below.\n\nIn the findings, `R` means a binding FCA Handbook rule, `G` means FCA guidance, and government explanatory pages are identified separately. Claim identifiers refer to the complete atomic register later in this answer.\n\n## 1. Substantive findings\n\n### A. What activity requires permission?\n\nThe relevant starting point is the Financial Services and Markets Act 2000 (FSMA) and the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO), principally RAO articles 39D and 39E, read with exclusions and the FSMA general prohibition. The FCA administers the regulatory perimeter and permissions; it does not provide a separate universal “debt-settlement licence.” [C001–C007]\n\n| Activity | Operative classification and boundary |\n| --- | --- |\n| Debt adjusting | Negotiating discharge terms with a lender or owner for the borrower or hirer; taking over the customer's discharge obligation in return for payments; or similar debt-liquidation activities, where the debt arises under a credit or consumer-hire agreement. FCA PERG 2.7.8BG(1)–(3). [C003] |\n| Debt counselling | Advising a borrower or hirer about liquidating debt arising under a credit or consumer-hire agreement. Advice encompasses potential methods such as repayment, rescheduling, compromise and certain insolvency solutions; it is not restricted to overdue debt. PERG 2.7.8CG; PERG 17.2–17.3. [C004–C005] |\n| Generic publishing or neutral information | A general article, impartial explanation or genuinely neutral decision tree need not be regulated debt counselling. A recommendation based on someone's particular debt and circumstances can cross the boundary, including through a website. PERG 17.4–17.5. [C006] |\n| Debt collecting or administration | A collector taking steps to procure payment, or an administrator acting for the lender, falls under distinct activities (RAO articles 39F and 39G). These permissions do not by themselves establish authority to advise or negotiate for the debtor. PERG 2.7.8DG–EG. [C007] |\n\nThe kind of underlying agreement matters more than the label on the debt. In FCA terminology, a credit agreement is, broadly, one in which credit is provided to an “individual”; the Handbook definition of individual includes a natural person, certain partnerships of two or three persons, and certain unincorporated bodies. Consumer hire has a separate definition, including the possibility of subsisting for more than three months. An ordinary limited company's own trade invoice is not automatically debt under either definition merely because an owner is personally worried about it. [C001–C002]\n\nThere is an especially important distinction between a regulated credit agreement and a credit agreement relevant to debt counselling or adjusting. CONC 8.1.4G expressly explains that the latter activities may involve credit and consumer-hire agreements whether or not the underlying agreement is regulated. Thus, the £25,000 business-purpose exemptions relevant to some lending classifications must not be applied as a blanket exemption for third-party debt advisers. A sole trader's business borrowing or a qualifying partnership requires analysis of the actual agreement, borrower identity and relevant exclusion. [C001–C005] PERG 2.7 Activities: a broad outlinehandbook.fca.org.ukindividualCONC 8 Debt advice\n\nPayment is not the universal legal trigger. The broader FSMA “by way of business” test applies. FCA PERG 2.3.2G(3B) says a not-for-profit body providing debt adjusting, counselling or credit-information services is treated as carrying on a business even when other activities are involved, unless the activity is only occasional. Charging a fee is therefore neither a complete definition of regulation nor a universally necessary condition. One-off help between acquaintances presents different evidence from a systematic free debt-advice operation. [C008]\n\nLocation is a separate inquiry. FSMA's United Kingdom activity nexus, including its extension for certain UK establishments, must be distinguished from CONC 1.2.5R, which applies most of CONC to firm activities involving customers habitually resident in the UK, including where the firm or appointed representative acts from an overseas establishment. The provision expressly treats CONC 3 differently. An overseas website, UK customer, UK staff member and UK-directed marketing are facts to evaluate—not interchangeable automatic answers about authorisation or foreign-law enforcement. [C009–C010] CONC 1.2 Who? What? Where?handbook.fca.org.uk\n\n### B. Which providers and exemptions are actually relevant?\n\n| Actor or asserted route | Supported result | Predicate or adverse branch |\n| --- | --- | --- |\n| Commercial debt negotiator or DMP operator | Ordinarily assess debt-adjusting and/or debt-counselling permissions, potentially alongside client-money obligations. [C003–C004, C011] | A firm's general FCA authorisation is insufficient if its particular permission excludes the proposed service. |\n| Full-permission firm | Can provide activities covered by its actual Part 4A permission, subject to any restrictions. [C011–C012] | “Full permission” is not permission for every financial service or every debt-management model. |\n| Limited-permission firm | Certain incidental activities, including particular vehicle-finance or goods-settlement work, may qualify. [C012] | A vehicle-dealer's limited authority does not become unrestricted authority to operate DMPs. The FCA separately identifies “no debt management plans” limitations. |\n| Appointed representative (AR) | Debt adjusting and counselling are among activities available through the AR framework, with a written principal agreement and responsibility, within the principal's scope. [C013] | Check principal, activity, appointment and restrictions. A limited-permission firm can have a special AR branch; an introducer-only appointment is not automatically a counselling appointment. |\n| Not-for-profit body or financial counsellor | Free provision and charitable status are not blanket exemptions. The business test and precise permission/exemption remain relevant. [C008, C014] | An infrequent activity may fall outside the special not-for-profit business deeming rule; “occasional” requires evidence. |\n| Solicitor, barrister or other professional | Specific litigation/advocacy activity exclusions and FSMA Part XX professional-firm arrangements may apply. [C015] | Professional title alone is insufficient. Incidental professional service, designated-body oversight, remuneration and relevant limits must be checked. |\n| Insolvency practitioner | Acting as an insolvency practitioner, or in reasonable contemplation of appointment, has a specific exclusion from debt adjusting/counselling. [C016] | General commercial debt negotiation outside that capacity is not automatically covered by the exclusion. FCA permission is distinct from insolvency-practitioner authorisation. |\n| Original creditor, owner or qualifying connected supplier | RAO article 39H exclusions, described in PERG 2.8.7CG(1), apply to specified activities connected to their own agreements. [C017] | Does not exempt an unrelated paid negotiator acting for the borrower. Other lender/collector rules may still govern the creditor. |\n| Debt collector, tracing agent or payment distributor | Requires a function-by-function analysis. Collection, administration, tracing and payment services are not synonyms for debtor-side counselling. [C007, C018] | Separate payment-services obligations and non-FCA money-handling arrangements were not comprehensively determined in this pass. |\n| Enterprise scheme | A narrow exemption described in PERG 2.11.5G requires the relevant enterprise scheme and absence of direct or indirect pecuniary gain; reasonable cost reimbursement is specifically treated differently. [C019] | Not a generic exemption for any nonprofit charging “cost-recovery fees.” |\n| Local authority | Specific statutory exclusions may apply. Local authorities providing resident debt advice can also initiate England/Wales breathing space under that separate scheme. [C020] | Public-body status cannot be borrowed by a private contractor. |\n\nThe FCA describes particular permission limitations for settlement of goods or vehicle finance and for excluding DMP work. Its public Firm Checker and Financial Services Register distinguish authorisation, the services actually permitted, historical status, appointed representatives, restrictions and certain client-money information. They do not warrant that an individual plan will succeed. [C011–C013, C021] SUP 12 Appointed representativesFCAFCAFCA\n\nThe competent-body map is:\n\n- FCA: regulated activities, authorisation, permissions, supervision, CONC and CASS conduct requirements.\n- Financial Ombudsman Service: eligible complaints about conduct within its jurisdiction, distinct from FCA enforcement.\n- FSCS: eligible compensation claims involving qualifying failed firms and protected losses—not a general debt-reduction guarantee.\n- Insolvency Service: England-and-Wales individual insolvency information and breathing-space infrastructure; not a substitute for FCA permission.\n- Designated professional bodies and insolvency-practitioner regulators: their own professional or insolvency authorisation branches, subject to exact statutory boundaries. [C015–C016, C020–C021, C047–C053]\n\nConsequence of an unpermitted operation. PERG 2.2.1G describes potential FSMA general-prohibition and wrong-permission offences, with statutory exemptions and defences requiring examination. FSMA can attach consequences to certain agreements made in breach, but that does not establish that a consumer's separate credit-card debt, security or judgment disappears when an adviser lacks permission. Nor does it automatically establish a refund of every sum paid to that adviser. The contract, applicable cause of action, loss and regulatory route must be distinguished. [C022] PERG 2.2 Introduction\n\nThe FCA's separate prudential-resources requirement applies to specified debt-management firms and certain not-for-profit bodies meeting its client-money threshold; it is a firm capital requirement, not a consumer charge, settlement percentage or bonding promise. CONC 10.2.5R and 10.2.8R provide a tiered calculation with a £5,000 minimum, subject to chapter applicability and other capital rules. A general mandatory provider bond or universal professional-indemnity amount was not established in the reviewed evidence. [C023]\n\n### C. What must happen before and during a consumer engagement?\n\nThe conduct sequence is more protective than a single fee disclosure, but less absolute than a promise that creditors must settle.\n\n| Stage | Binding requirements or qualified guidance | Consumer evidence to retain |\n| --- | --- | --- |\n| Advertising and first contact | Communications must be clear, fair and not misleading. CONC 3.9.3R requires relevant service, fee-calculation, affiliations, risk, credit-file, alternatives and certain compensation information. CONC 3.9.5R–3.9.7R prohibit specified false claims of government/free status, guaranteed negotiation results and deceptive lookalike sites. Debt-management firms must signpost MoneyHelper and free services at first contact and online. [C024–C025] | Actual advert and landing-page capture, call recording or notes, initial emails, claimed affiliations and fee quotation |\n| Assessment and advice | CONC 8.3.2R and 8.3.7R require suitably individualised assessment of finances and circumstances, customer interests, reasons for proposed options and impartial information about solutions available in the relevant UK country. [C026] | Income/expenditure assessment, all debts, assets, essential obligations, prior failed plans, advice rationale |\n| Written advice | CONC 8.3.4R calls for durable-medium advice on included/excluded debts, benefits and risks, priority liabilities and legal recovery risks. There is a narrow CONC 8.3.4AR exception to the durable-medium element where no contract is reasonably expected, with recorded grounds; it is not a waiver of substantive suitability duties. [C027] | Dated advice, excluded-debt schedule, creditor and insolvency warnings |\n| Contract | CONC 8.4.1R–8.4.3R require a written services contract identifying solution, length, fee or calculation, cancellation and refund terms, and prohibit certain no-liability, never-refund or lender-contact restrictions. [C028] | Signed or supplied full terms and later variations |\n| Repayment proposal | CONC 8.5.1R requires an accurate and realistic financial statement, customer confirmation and consent before sending to creditors, fee disclosure and a copy to the customer. Essential household and priority obligations must be considered. [C029] | Confirmed budget, statement actually sent, creditors' responses |\n| Execution and review | CONC 8.2.6R requires notice to lenders of planned payment withholding. CONC 8.6 and 8.8 govern suitability, changes, communications, monitoring and review. A creditor's refusal to freeze interest or accept reduced payments cannot be represented as consent. [C030] | Creditor acceptance/refusal, distribution ledger, account statements, periodic reviews |\n\nThe fee rules are not a US-style percentage cap. CONC 8.7.2R forbids structures that divert all or substantially all fees ahead of lender repayment or prevent significant payments from the first DMP month. CONC 8.7.3G says allocating more than half of a month's receipts to fees is likely to undermine significant repayments—guidance, not a universal hard 50% legal cap. There is an express conditional exception for a compliant full-and-final settlement model that holds client money pending negotiations. [C031–C032] handbook.fca.org.ukhandbook.fca.org.uk\n\nAdditional controls include:\n\n- No consumer payment demanded or taken before the debt-solution contract; no unauthorised payment-account debit; no credit-card payment for the firm's fees within the rule's specified terms; no disproportionate cancellation charge; no uncontracted or unfair fee. CONC 8.7.6R. [C033]\n- Disclosure of relevant third-party commission or incentives, with the amount disclosed upon request. Fees for incorrect or unsuitable advice must be refunded or credited when established; service not provided or not delivered with reasonable skill and care requires an appropriate refund. CONC 8.7.4R. [C034]\n- A qualifying debt-packager firm faces specific restrictions on receiving referral consideration from debt-solution providers; CONC 8.3.9R–8.3.16R contain scope, exceptions and an accrued-right transitional provision. This is not a prohibition on every referral fee paid in every context. [C035]\n\nDistance cancellation: Under CONC 11.1.1R, a consumer generally has 14 calendar days to cancel a qualifying distance contract for debt counselling/adjusting related to credit agreements, subject to express exclusions (including the specified consumer-hire branch). The period begins on contract formation or later receipt of required terms and information, as applicable. Timely dispatch in a qualifying durable medium is specifically addressed by CONC 11.1.7R. On valid cancellation, a fee for services actually provided requires the rule's informed, requested-commencement and proportionate, non-penalty predicates. The firm must return the balance without undue delay and within 30 calendar days from receipt of cancellation notice; that deadline is not interchangeable with the customer-money withdrawal guidance discussed below. [C036–C038] CONC 11 CancellationCONC 11 CancellationCONC 11 Cancellation\n\nThis does not establish a universal statutory 14-day cancellation period for every face-to-face service contract, every consumer-hire-related service, or an IVA. Those branches need their own legal and contractual analysis.\n\n### D. Money held for creditors, firm failure and remedies\n\nWhere the operator is a CASS debt management firm and receives or holds client money, CASS 11 applies according to its precise classification and exceptions:\n\n1. The money must be distinguished from the firm's own funds and held under the statutory trust established by CASS 11.6.1R, with appropriate client-bank-account segregation and records. Money properly due to the firm as its own fee must be distinguished from money held for the customer. [C039–C040]\n2. Under CASS 11.2.3R, a firm's highest relevant client-money holding of £1 million or more makes it a large firm; below that is small. Both have important obligations; large firms face additional reconciliation machinery. This is not a consumer-deposit threshold or compensation limit. [C041]\n3. Bank-account acknowledgement letters under CASS 11.8, receipts and mixed remittances under CASS 11.9, client-level allocation, reconciliations and creditor-distribution records provide the audit trail. Cash or cheques representing client money generally must enter the client bank account by the next business day; customer allocation must be recorded promptly and within five business days. [C042–C044]\n4. Money for a DMP or creditor distribution must reach creditors as soon as reasonably practicable under CASS 11.10.1R. Five business days is the FCA's normal expectation under 11.10.2G, not an unconditional universal statutory deadline. A planned longer holding period requires all three conditions in 11.10.3R: express contractual provision, separately highlighted precontract term and prior explanation of risks. Extra notification and daily checks can follow. [C045]\n5. If a non-exempt delay wrongfully leaves the customer worse off, CASS 11.10.6R requires putting the customer in the financial position they would have occupied without the delay; 11.10.7G identifies consequent added interest and default charges as examples. It is not an automatic flat penalty or general waiver of the creditor's claim. [C046]\n6. On written withdrawal from a DMP, CASS 11.9.12R requires prompt return of client money still held for that client. 11.9.13G expresses an FCA expectation of return within five business days after withdrawal takes effect—again, distinguish `R` from `G` and do not treat that as the CONC distance-cancellation clock. [C047] CASS 11.6 Statutory trustCASS 11.1 Applicationhandbook.fca.org.ukCASS 11.2 Firm classificationhandbook.fca.org.ukCASS 11.10 Payments to creditors\n\nInsolvency or missing client money: CASS 11.13 provides pooling and rateable-distribution rules where a firm fails, and related rules for a bank failure. Segregation and trust improve the legal treatment of funds but cannot guarantee 100% recovery when a shortfall exists. [C048]\n\nThe remedies must not be merged:\n\n| Path | Relevant condition and possible outcome |\n| --- | --- |\n| FCA supervision/enforcement | Authorisation or conduct breach can prompt regulatory action; this does not by itself adjudicate an individual's contractual damages claim. [C022] |\n| Private action | CONC Sch 5 identifies CONC rules potentially actionable by a qualifying private person under FSMA s138D, generally excluding CONC 10; CASS Sch 5, as updated September 2026, also identifies relevant CASS rules. Liability, loss, causation and statutory conditions still require proof. Some rules expressly remove the action. [C049] |\n| Financial Ombudsman Service | For a qualifying firm activity and eligible complainant, firm complaint-handling under DISP usually has an eight-week response branch; DISP 2.8 then supplies referral and long-stop rules with stated exceptions. It is not automatically available for purely unregulated conduct by an unauthorised operator. [C050–C051] |\n| FSCS debt-management protection | Under COMP 5.8.1R, the protected category is a client-money shortfall relating to qualifying debt-management activity carried out from a UK establishment; COMP 3.2 and 4.2 impose further default/claimant tests. For qualifying failures since 1 April 2019, the applicable published debt-management maximum is £85,000 per eligible natural person per firm, at 100% of the protected claim up to the cap. Earlier failures have a different historical ceiling. It does not generally cover every faulty debt-advice recommendation or an IVA fee. [C052–C054] |\n\nOfficial, published Ombudsman illustrations show why fact-specific outcomes matter:\n\n- DRN2727544 (2015): a plan was changed without proven informed agreement; the final decision required repayment of £5,680 calculated from £5,760 paid minus £80 distributed to creditors, plus decision-specific interest and £150 for inconvenience. Its interest award and compensation were case findings, not regulatory tariff rates. [C055]\n- DRN-5484433 (2025): the Ombudsman treated inaccurate oral reassurance about the credit consequences of a DMP as consequential despite other paperwork; ordered refund of the firm's fees only (not sums passed to creditors), plus £600 distress compensation. The decision did not establish the claimed speculative losses and did not find deliberate deception. [C056]\n\nThese are published individual decisions, not binding precedent establishing an entitlement to the same amounts. financial-ombudsman.org.ukfinancial-ombudsman.org.uk\n\n### E. Private arrangements versus statutory debt mechanisms\n\n| Route | Who or what makes it effective? | Protection and boundary |\n| --- | --- | --- |\n| Private full-and-final settlement | Each relevant creditor's voluntary, adequately documented assent to the proposed discharge. [C057] | No automatic moratorium, discount, security release or binding effect on non-assenting creditors. Written creditor terms and payment conditions are indispensable. |\n| Debt Management Plan (DMP) | A voluntary repayment proposal administered personally or by a firm, with creditors approached for agreement. [C057] | Creditors need not accept; absent an applicable agreement or separate statutory protection, enforcement and interest may continue. Not an IVA. |\n| Individual Voluntary Arrangement (IVA) | A separate insolvency arrangement supervised through an insolvency practitioner. Official guidance describes the relevant creditor-approval mechanism and binding effects. [C058] | Statutory process, approval and consequences—not created by signing a commercial “debt settlement” contract. Complete eligibility/process review deferred. |\n| Debt Relief Order (DRO) | Statutory insolvency order accessed through an approved debt adviser, subject to detailed England/Wales eligibility. [C059] | Not a privately negotiated lump-sum settlement. Comprehensive financial thresholds and exclusions deferred. |\n| Bankruptcy | Formal insolvency process with separate rules for assets, debts, restrictions and discharge. [C060] | Outside the authority of an ordinary DMP company merely operating a payment plan. |\n| Breathing Space | Under the Debt Respite Scheme Regulations 2020 (England and Wales), entered through an eligible debt adviser/local authority with qualifying debt and debtor conditions. [C061] | Temporary statutory creditor restrictions; standard breathing space ordinarily lasts up to 60 days, with a separate mental-health-crisis branch. It does not itself settle or discharge the debt. Private DMP enrolment alone does not create it. |\n\nThe Insolvency Service's official guidance confirms the England-and-Wales geographic application of breathing space and identifies qualifying FCA-authorised counsellors or local authorities as gateway advisers. It is a different statutory function from an ordinary firm's agreement to negotiate a debt. The detailed breathing-space debt exclusions, review requirements and creditor remedies remain outside this focused pass. GOV.UKGOV.UKGOV.UKGOV.UK\n\nThe same FCA provider rules commonly operate across England and Wales, and the referenced IVA/DRO/breathing-space materials explicitly address both. That evidence does not prove that all local courts, enforcement procedures, housing remedies or other debt laws are identical, nor that Scotland and Northern Ireland share these insolvency schemes. Those jurisdictions and subjects remain open.\n\n### F. Practical consumer verification path\n\nFor an ordinary prospective customer, the evidence-based sequence is:\n\n1. Identify the service: individual advice, debtor-side negotiations, creditor collections, administrative distribution, DMP, private settlement or formal insolvency proposal. [C003–C007]\n2. Identify the responsible legal actor: trading name, legal firm, exact FCA permission and limits, or a documented AR/principal relationship. Check the FCA's official Firm Checker/Register; a regulator logo or “registered” claim alone is insufficient. [C011–C013, C021]\n3. Compare the alternatives before agreeing: financial assessment, priority obligations, free advice, realistic affordability, which creditors/debts participate and which do not. [C024–C030]\n4. Identify two different cash streams: the firm's earned service fees versus money beneficially held for creditor distribution. Obtain the written fee basis, expected creditor-payment dates, account and allocation statements and withdrawal/cancellation terms. [C028, C031–C047]\n5. Demand actual creditor evidence: a draft offer is not acceptance, and a DMP's operation is not a moratorium. For any claimed full-and-final discharge, retain the exact creditor's assent, debt reference, amount, conditions, who receives payment and proof of completion. [C030, C057]\n6. If there is a problem, separate a request for accounting/return of client funds, a service-fee refund, a complaint about the firm's conduct, and any FSCS default/shortfall question. Different proofs and triggers govern each. [C034, C036–C054]\n\nThis is a reference workflow, not an instruction to contact or investigate any named provider.\n\n## 2. Worked decision scenarios\n\nThese are hypothetical applications of the rules identified above, not findings about any actual firm or consumer. Monetary figures are invented for the examples; they are not statutory fee scales or settlement rates.\n\n### Scenario 1 — Paid negotiator versus claimed charity exemption\n\nAn England-based company charges individuals to assess their credit-card debts, recommends which debts to settle, and negotiates with creditors. Its work appears capable of falling within debt counselling and debt adjusting. It should establish the relevant FCA permissions before carrying on regulated activities by way of business; merely being incorporated or appearing on a public register is insufficient. [C001, C003–C006, C008, C011–C012]\n\nA separately constituted charity provides the same type of personalised advice free of charge to 40 people each month. The absence of a customer fee does not conclusively place the activity outside the regulatory perimeter. The by-way-of-business test, the nature of the activity, any applicable exclusion, and the entity’s precise status still matter. Nor does a charity automatically qualify for the narrow enterprise-scheme exclusion. [C008, C014, C019]\n\nAdverse branch: Suppose the charity says, “Our advisers are volunteers, so FCA permission is unnecessary.” That is not enough evidence. The investigator needs its activities, organisational and funding arrangements, frequency of advice, creditor relationships and the actual conditions of any claimed exclusion. A different organisation merely distributing general educational leaflets, without a personal recommendation or negotiations, may reach a different classification. The presently unread consolidated statutory provisions prevent a final statutory determination. [C004–C008, C014]\n\nConsumer documents: Legal name, service description, fee schedule (if any), FCA Register record identifying the specific permission or principal relationship, written advice, and evidence supporting a claimed exclusion. [C011, C013, C021]\n\n### Scenario 2 — Voluntary debt-management plan versus a statutory procedure\n\nA Welsh consumer owes £8,000 on unsecured credit-card accounts and can afford £100 per month after essential expenditure. A provider proposes a debt-management plan (DMP).\n\n- Arithmetic only: £8,000 ÷ £100 per month = 80 months, if every pound reduces principal, all creditors accept the proposal, and no further interest, fees, charges or changing balances arise.\n- Actual decision: Those assumptions cannot be guaranteed. A DMP is a voluntary arrangement; an affected creditor's agreement, treatment of interest and charges, and enforcement position must be checked individually. It does not itself create a statutory enforcement moratorium. [C025–C030, C057]\n- Separate branch: An individual voluntary arrangement (IVA), debt relief order (DRO), bankruptcy, or qualifying breathing-space entry invokes distinct eligibility, professional or adviser, approval, and legal-effect rules. Signing a DMP or obtaining a private full-and-final settlement offer does not enrol someone in any of those procedures. [C058–C061]\n- Adverse branch: If a creditor refuses the £100 proposal and continues contractual charges or lawful recovery action, the provider must reassess the arrangement and explain the options; it cannot truthfully represent the DMP as compulsory on creditors. [C026, C030, C057]\n\nDocuments: Income-and-expenditure statement, complete creditor balances, each written proposal and creditor response, payment allocation, fees, statement of changes, and the actual document—if any—establishing entry into a statutory process.\n\n### Scenario 3 — Welsh customer, overseas provider, overseas creditor\n\nA resident of Cardiff uses an overseas website advertising a customised service to assess their personal debts and negotiate with creditors. The adviser communicates remotely; one creditor is outside the UK.\n\nThree different questions must stay separate:\n\n1. Activity: Is the overseas actor giving personally tailored advice on liquidating a relevant debt or negotiating its terms, rather than publishing general information? [C001–C007]\n2. Firm and customer nexus: Does the activity fall within the UK regulatory perimeter, and does the overseas-establishment application rule in CONC 1.2.5R govern the particular firm and UK-habitually-resident customer? The Handbook application rule cannot alone prove that every overseas actor commits a UK authorisation offence. [C009–C010]\n3. Substantive creditor rights: Which law governs the foreign credit contract, service, jurisdiction, any judgment and assets? Those are A098 cross-border questions explicitly deferred by this pass.\n\nAdverse branch: An offshore address, non-sterling invoice, or foreign creditor does not automatically prove either exemption or UK regulation. Preserve screenshots of the directed advertising, locations of contracting and performance, advice, governing-law and jurisdiction clauses, and permission evidence. Do not promise recognition of a settlement or protection from foreign enforcement.\n\n### Scenario 4 — Distance settlement service: partial work, cancellation and segregated funds\n\nAssume all the following are established, rather than presumed:\n\n- An authorised firm contracts at a distance with an English consumer for covered debt-adjusting/counselling services; the particular contract falls within CONC 11.1.1R, with no applicable exception.\n- The properly disclosed service comprises four separately identifiable, equally valued components at £60 each; the agreed total service fee is £240.\n- The consumer paid £120 toward that fee after contracting and separately remitted £780 expressly for payment to creditors. The latter remains identifiable client money; it was not a fee and no creditor received it.\n- The consumer had specifically requested that performance begin during the cancellation period. The firm can prove the required advance information about the charge. Exactly one £60 component was provided properly. A valid cancellation notice was dispatched within the applicable cancellation period.\n\nRecomputation\n\n| Item | Calculation | Hypothetical result |\n| --- | --- | --- |\n| Total contracted service | 4 components × £60 | £240 |\n| Actual qualifying work | 1 component × £60 | £60 |\n| Unperformed contracted work | 3 components × £60 | £180 |\n| Service fee already paid | Given | £120 |\n| Potential charge retained, assuming all CONC 11.1.11R predicates | Lesser of £60 actually provided and applicable proportionate maximum | £60 |\n| Fee refund | £120 − £60 | £60 |\n| Undistributed creditor money to return | Given | £780 |\n| Total cash returned | £60 + £780 | £840 |\n| Original cash outflow | £120 + £780 | £900 |\n| Consumer’s net expenditure on qualifying work | £900 − £840 | £60 |\n| Illustrative outstanding creditor principal before and after, with no payment/settlement and no intervening accrual | £5,500 − £0 | £5,500 |\n\nThe £60 retention is conditional, not an automatic entitlement. If the firm cannot prove prior request and required information, CONC 11.1.11R(2) prevents the charge on that basis; the fee refund instead becomes £120, and the total return £900. If advice was inappropriate, CONC 8.7.4R raises a separate refund issue. CASS rules govern the £780 while it remains client money and cannot be defeated by relabelling it as “earned fees.” The provider must consider both the cancellation and client-money return duties. [C034, C036–C040, C047] CONC 11 Cancellation handbook.fca.org.uk\n\nNo calendar date for repayment is assigned here. The CONC 11 firm-refund clock is measured from its receipt of the cancellation notice, while timely exercise of the right can depend on dispatch, the contract/information trigger and the relevant delivery method. [C037–C038]\n\n### Scenario 5 — Inappropriate advice and an attempted “government write-off” promise\n\nA fee-charging settlement adviser promises an English consumer that a private arrangement will “legally write off” their £5,000 credit-card debt under a “government-approved programme.” The firm receives:\n\n- £180 expressly charged for its advice;\n- £1,200 as segregable client money intended for creditors.\n\nAssume it is established that the advice was inappropriate, no other service fee was incurred, no creditor was paid, the firm still holds the £1,200, no settlement was accepted, and no new interest or charge has accrued.\n\n| Item | Calculation | Hypothetical result |\n| --- | --- | --- |\n| Consumer’s total payment | £180 + £1,200 | £1,380 |\n| Fee relating to established inappropriate advice | £180 | £180 |\n| Fee to refund or credit under CONC 8.7.4R(3) | £180 − £0 retained for that advice | £180 |\n| Client funds still awaiting creditor distribution | £1,200 − £0 distributed | £1,200 |\n| Total cash/credit restored, assuming funds available | £180 + £1,200 | £1,380 |\n| Creditor principal reduction | £0 accepted or paid | £0 |\n| Hypothetical remaining debt | £5,000 − £0 | £5,000 |\n\nThe “government-approved write-off” claim is a separate advertising and disclosure concern, not evidence of an IVA, DRO, breathing-space protection or creditor assent. The consumer should preserve the advertising, precontract terms, fee receipt, client-money ledger, creditor correspondence and the evidence establishing that the advice was inappropriate. The arithmetic shows what the identified rules would require on the stated proven facts, not a guarantee that an insolvent firm can pay. [C024, C034, C039–C040, C048, C057–C061] handbook.fca.org.uk\n\n### Scenario 6 — Client-money shortfall and redress are different questions\n\nA hypothetical failed provider records £1,000 owing to Client A and £3,000 to Client B but has only £3,000 of their combined £4,000 identifiable fund. Ignoring all competing entitlement, expense, bank and insolvency complications solely to illustrate a simple rateable allocation:\n\n- A’s illustrative share: £3,000 × (£1,000 ÷ £4,000) = £750.\n- B’s illustrative share: £3,000 × (£3,000 ÷ £4,000) = £2,250.\n- Illustrative shortfalls: A £250; B £750.\n\nThat is not a final CASS insolvency distribution calculation. Actual beneficial entitlements, the pooling event, bank failures, administrators’ procedures and other claims must be verified. Nor does either shortfall automatically qualify for FSCS payment: the covered business, date, default, individual claimant, UK-establishment and compensation-limit tests remain separate. [C048, C052–C054]\n\n## 3. Complete visible source register\n\nReading key. `R` = an FCA Handbook rule; `G` = FCA Handbook guidance or regulatory interpretation; `Official` = official public explanatory material, not itself the operative statute; `Failed` = no material statutory body was obtained. A provision’s individually displayed date is not necessarily the date of every amendment to its enclosing chapter. The FCA site often shows a blank “as of” field, so this research does not claim a verified historic consolidation at every requested instant.\n\nAll rows were checked on 26 October 2026 (UTC; 26 October PDT in California and 26 October GMT in England and Wales). For HTML pages, printed page and PDF zero-based index are not applicable. That statement applies separately to every HTML row. PDF page information is supplied explicitly for S057–S058 below.\n\n### Perimeter, actors and verification\n\n| Source | Issuer, title and full direct URL | Actually read: pinpoint, nature, currency, relevant limits |\n| --- | --- | --- |\n| C_EW-P01-S001 | UK legislation.gov.uk, Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, SI 2001/544. [https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false](https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false&utm_source=chatgpt.com) | Failed to retrieve operative body of the requested dated consolidation. RAO arts 39D, 39E, 39H–39K, 60B and 60N identified through FCA interpretation, not independently read here. Effective-status verification held. Access 26 Oct 2026. |\n| C_EW-P01-S002 | UK legislation.gov.uk, Financial Services and Markets Act 2000, s 19. [https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01](https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01?utm_source=chatgpt.com) | Failed to retrieve operative statutory body. Do not treat FCA PERG's description of the general prohibition as an independent reading of FSMA s 19 or adjacent exceptions. Access 26 Oct 2026. |\n| C_EW-P01-S003 | FCA, PERG 2.6 — Specified investments. [https://handbook.fca.org.uk/handbook/perg2/perg2s6](https://handbook.fca.org.uk/handbook/perg2/perg2s6?utm_source=chatgpt.com) | Opened, G, PERG 2.6.30G–2.6.31G explaining RAO 60B credit agreements and 60N consumer hire. Live Handbook display; individual provision dates govern; definition depends on underlying RAO text. UK perimeter, not an E/W insolvency rule. Access 26 Oct 2026. |\n| C_EW-P01-S004 | FCA, Glossary — individual. [https://handbook.fca.org.uk/glossary/G3173](https://handbook.fca.org.uk/glossary/G3173?utm_source=chatgpt.com) | Opened, Glossary entry including natural persons, relevant partnerships and unincorporated bodies. Handbook terminology; not proof that all corporate/business contracts qualify. Access 26 Oct 2026. |\n| C_EW-P01-S005 | FCA, PERG 2.7 — Activities. [https://handbook.fca.org.uk/handbook/perg2/perg2s7](https://handbook.fca.org.uk/handbook/perg2/perg2s7?utm_source=chatgpt.com) | Opened, G, PERG 2.7.8BG–2.7.8EG describing debt adjusting, debt counselling and adjacent debt collecting/administering activities by reference to RAO 39D/39E. Classification guidance; controlling article text unavailable at S001. Access 26 Oct 2026. |\n| C_EW-P01-S006 | FCA, PERG 17 — Consumer credit debt-related regulated activities. [https://handbook.fca.org.uk/handbook/perg17](https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com) | Opened, G, PERG 17.2 Q2.1; 17.3 Q3.1–Q3.3; related 17.4–17.7 answers on personalised advice, liquidation, negotiating and distinctions. UK consumer-credit interpretive perimeter; facts and exceptions matter. Access 26 Oct 2026. |\n| C_EW-P01-S007 | FCA, PERG 2.3 — The business test. [https://handbook.fca.org.uk/handbook/perg2/perg2s3](https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com) | Opened, G, PERG 2.3.2G(3B), 2.3.3G: special by-way-of-business issues for credit activities, including relevant non-profit provision; no universal paid-only shortcut. Access 26 Oct 2026. |\n| C_EW-P01-S008 | FCA, PERG 2.8 — Exclusions applicable to particular regulated activities. [https://handbook.fca.org.uk/handbook/perg2/perg2s8](https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com) | Opened, G, PERG 2.8.7CG, notably its separately numbered branches, interpreting specified debt-activity exclusions associated with RAO 39H–39K. Connected-creditor, supplier and professional facts must be established; RAO itself not read. Access 26 Oct 2026. |\n| C_EW-P01-S009 | FCA, PERG 2.9 — Regulated activities: exclusions applicable to several specified kinds of activity. [https://handbook.fca.org.uk/handbook/perg2/perg2s9](https://handbook.fca.org.uk/handbook/perg2/perg2s9?utm_source=chatgpt.com) | Opened, G, PERG 2.9.25G–2.9.27G on insolvency-practitioner situations and PERG 2.9.15G on overseas-related exclusions. Not a general “all insolvency/overseas activity exempt” finding. Access 26 Oct 2026. |\n| C_EW-P01-S010 | FCA, PERG 2.10 — Persons carrying on regulated activities who do not need authorisation. [https://handbook.fca.org.uk/handbook/perg2/perg2s10](https://handbook.fca.org.uk/handbook/perg2/perg2s10?utm_source=chatgpt.com) | Opened, G, PERG 2.10.12G–2.10.16G on members of designated professional bodies and FSMA s 327 conditions; no blanket lawyer/accountant privilege. Access 26 Oct 2026. |\n| C_EW-P01-S011 | FCA, PERG 2.11 — Exempt persons and other exemptions. [https://handbook.fca.org.uk/handbook/perg2/perg2s11](https://handbook.fca.org.uk/handbook/perg2/perg2s11?utm_source=chatgpt.com) | Opened, G, PERG 2.11.2G, 2.11.4G–2.11.5G concerning specified official functions, tracing and enterprise-scheme boundaries. No blanket nonprofit exclusion inferred. Access 26 Oct 2026. |\n| C_EW-P01-S012 | FCA, PERG 2.4 — Link between activities and the United Kingdom. [https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true](https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true&utm_source=chatgpt.com) | Opened, G, PERG 2.4.2G–2.4.5G on territorial application and overseas considerations. Does not settle a disputed remote-specific s 19/s 418 FSMA issue without operative statutes and facts. Access 26 Oct 2026. |\n| C_EW-P01-S013 | FCA, CONC 1.2 — Who? What? Where?. [https://handbook.fca.org.uk/handbook/conc1/conc1s2](https://handbook.fca.org.uk/handbook/conc1/conc1s2?utm_source=chatgpt.com) | Opened, R/G, CONC 1.2.3G; 1.2.5R relating to firms conducting relevant credit activity from outside UK establishments with a UK-habitually-resident customer; 1.2.7G land security. Handbook application does not alone prove s 19 authorisation nexus. Access 26 Oct 2026. |\n| C_EW-P01-S014 | FCA, SUP 12 — Appointed representatives. [https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true](https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true&utm_source=chatgpt.com) | Opened, R/G, SUP 12.2.2G–12.2.7G and 12.4.1AG, applicable specified activity, written principal arrangement, responsibility and limitations. Dated view 6 Aug 2026, not claimed to independently prove all 26 Oct changes. Access 26 Oct 2026. |\n| C_EW-P01-S015 | FCA, Limitations of debt permissions. [https://www.fca.org.uk/firms/limitations-debt-permissions](https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com) | Opened, Official FCA authorisation explanation, distinctions between specified limited permissions and broader debt-management work. Permission scope must be read from the firm’s own record, not this generic page. Access 26 Oct 2026. |\n| C_EW-P01-S016 | FCA, Consumer credit brokers — motor dealers. [https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers](https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers?utm_source=chatgpt.com) | Opened, Official, restricted motor-trade credit permissions and potentially full-permission activities. Industry example, not proof that all debt advisers require the same category. Access 26 Oct 2026. |\n| C_EW-P01-S017 | FCA, Financial Services Register. [https://www.fca.org.uk/firms/financial-services-register](https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com) | Opened, Official; register features, firm identity/status/permissions and historical records. Page update displayed 13 Feb 2026, not a legal commencement date. No named lookup performed. Access 26 Oct 2026. |\n| C_EW-P01-S018 | FCA, How to check a firm or individual is authorised. [https://www.fca.org.uk/consumers/how-check-firm-individual-authorised](https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com) | Opened, Official; checking permission and contact identity, authorised versus registered distinctions and clone-risk advice. Page update displayed 22 Sep 2026. No named lookup performed. Access 26 Oct 2026. |\n| C_EW-P01-S019 | FCA, PERG 2.2 — Authorisation and exempt persons. [https://handbook.fca.org.uk/handbook/perg2/perg2s2](https://handbook.fca.org.uk/handbook/perg2/perg2s2?utm_source=chatgpt.com) | Opened, G, PERG 2.2.1G–2.2.1AG concerning general prohibition, regulatory offences and restrictions on enforceability. Consequences remain subject to statute, facts and statutory protections; debt to original creditor not thereby cancelled. Access 26 Oct 2026. |\n\n### Consumer engagement, charging and prudential rules\n\n| Source | Issuer, title and full direct URL | Actually read: pinpoint, nature, currency, relevant limits |\n| --- | --- | --- |\n| C_EW-P01-S020 | FCA, CONC 8 — Debt advice. [https://handbook.fca.org.uk/handbook/conc8](https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com) | Opened, R/G, CONC 8.1.1R and 8.1.4G: relevant firms and relevant debt-advice activities, including qualifying advice about liquidation of certain debts notwithstanding underlying credit-regulation nuances. Chapter shown updated 31 Jul 2026; individual rule dating separately applies. Access 26 Oct 2026. |\n| C_EW-P01-S021 | FCA, CONC 8.2 — Debt advice and debt management services. [https://handbook.fca.org.uk/handbook/conc8/conc8s2](https://handbook.fca.org.uk/handbook/conc8/conc8s2?utm_source=chatgpt.com) | Opened, R/G, including CONC 8.2.4R free-advice signposting and related transparency, service, vulnerability and client-interest requirements. Not an obligation to use any named charity. Access 26 Oct 2026. |\n| C_EW-P01-S022 | FCA, CONC 8.3 — Pre-contract information and advice requirements. [https://handbook.fca.org.uk/handbook/conc8/conc8s3](https://handbook.fca.org.uk/handbook/conc8/conc8s3?utm_source=chatgpt.com) | Opened, R/G, CONC 8.3.1R, 8.3.2R, 8.3.4R–8.3.4AR, 8.3.7R, 8.3.9R–8.3.16R. First-enquiry durable information, individual assessment, advice, debt-packager restrictions and their qualifications. Section shown updated 26 Jun 2026; provisions have individual dates. Access 26 Oct 2026. handbook.fca.org.uk |\n| C_EW-P01-S023 | FCA, CONC 8.4 — Debt management plans and agreements. [https://handbook.fca.org.uk/handbook/conc8/conc8s4](https://handbook.fca.org.uk/handbook/conc8/conc8s4?utm_source=chatgpt.com) | Opened, R/G, written agreement terms, clear obligations, written contract and restrictions on contract terms. Firm/customer context; not a statutory DMP creditor stay. Access 26 Oct 2026. |\n| C_EW-P01-S024 | FCA, CONC 8.5 — Financial statements. [https://handbook.fca.org.uk/handbook/conc8/conc8s5](https://handbook.fca.org.uk/handbook/conc8/conc8s5?utm_source=chatgpt.com) | Opened, R/G, CONC 8.5.1R and connected requirements for income, expenditure, debt schedule and creditor distribution. Particular disclosure and consent facts remain needed. Access 26 Oct 2026. |\n| C_EW-P01-S025 | FCA, CONC 8.6 — Debt management plans. [https://handbook.fca.org.uk/handbook/conc8/conc8s6](https://handbook.fca.org.uk/handbook/conc8/conc8s6?utm_source=chatgpt.com) | Opened, R/G, duties around establishing appropriate arrangements and customer/creditor communication. Does not compel a creditor to waive debt or interest. Access 26 Oct 2026. |\n| C_EW-P01-S026 | FCA, CONC 8.7 — Charging for debt counselling, debt advice and related services. [https://handbook.fca.org.uk/handbook/conc8/conc8s7](https://handbook.fca.org.uk/handbook/conc8/conc8s7?utm_source=chatgpt.com) | Opened, R/G, 8.7.2R fee-priority/repaid-creditor requirements and qualifying full-and-final model; 8.7.3G more-than-half guidance, fee spreading; 8.7.4R(1)–(4) commissions and fee correction/refunds; 8.7.6R payment, repeat charging, switching and unfair charges. Section shown updated 26 Oct 2015; cited rule texts individually date from 2014/2015. No universal capped percentage. Access 26 Oct 2026. handbook.fca.org.uk |\n| C_EW-P01-S027 | FCA, CONC 8.8 — Debt management plans: ongoing obligations. [https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true](https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true&utm_source=chatgpt.com) | Opened, R/G, regular reviews, updates and statements for covered arrangements. Timeline display not a guarantee that every historical variant was checked. Access 26 Oct 2026. |\n| C_EW-P01-S028 | FCA, CONC 8.9 — Lead generators. [https://handbook.fca.org.uk/handbook/conc8/conc8s9](https://handbook.fca.org.uk/handbook/conc8/conc8s9?utm_source=chatgpt.com) | Opened, R/G, marketing/lead-generation relationships and debt-advice boundaries. Does not itself establish whether a particular intermediary is an appointed representative. Access 26 Oct 2026. |\n| C_EW-P01-S029 | FCA, CONC 3.3 — The clear, fair and not misleading rule and general requirements. [https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true](https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true&utm_source=chatgpt.com) | Opened, R/G, CONC 3.3.1R and accompanying advertising guidance, including misleading claims of assured reductions. Promotional-communication scope applies; contractual terms not inspected. Access 26 Oct 2026. |\n| C_EW-P01-S030 | FCA, CONC 3.9 — Financial promotions and communications: debt counselling and related services. [https://handbook.fca.org.uk/handbook/conc3/conc3s9](https://handbook.fca.org.uk/handbook/conc3/conc3s9?utm_source=chatgpt.com) | Opened, R/G, CONC 3.9.3R, 3.9.5R and 3.9.7R on required disclosure, risks and prohibited misleading presentation. Applicable communications and exceptions must be identified; not an exhaustive Advertising Standards Authority dossier. Access 26 Oct 2026. |\n| C_EW-P01-S031 | FCA, CONC 2.6 — Distance marketing. [https://handbook.fca.org.uk/handbook/conc2/conc2s6](https://handbook.fca.org.uk/handbook/conc2/conc2s6?utm_source=chatgpt.com) | Opened, R/G, distance services disclosure/cross-reference to cancellation. Applicability depends on the particular customer, contract and service; not all online messages create a cancellable distance contract. Access 26 Oct 2026. |\n| C_EW-P01-S032 | FCA, CONC 11 — Cancellation. [https://handbook.fca.org.uk/handbook/conc11](https://handbook.fca.org.uk/handbook/conc11?utm_source=chatgpt.com) | Opened, R/G, 11.1.1R–11.1.2R, 11.1.5R–11.1.14R: qualifying 14-calendar-day distance cancellation, exclusions, later information trigger, dispatch, proof for proportional service charge, firm refund and consumer return duties. Chapter shown updated 15 Jul 2026, including separate deferred-payment-credit guidance; original applicable rules have displayed dates. 30 days for firm refund runs from its receipt of cancellation; not an assumed signing date. Access 26 Oct 2026. CONC 11 Cancellation |\n| C_EW-P01-S033 | FCA, CONC 10 — Prudential requirements for debt management firms. [https://handbook.fca.org.uk/handbook/conc10](https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com) | Opened, R/G, 10.1.1R–10.1.2R, 10.1.6R, 10.2.5R, 10.2.8R on covered firms, financial resources, differing bases and provider capital/minimum requirements. Not a consumer advance fee or universal professional-indemnity requirement; calculations require firm-specific source predicates. Access 26 Oct 2026. |\n| C_EW-P01-S034 | FCA, CONC Schedule 5 — Rights of action for damages. [https://handbook.fca.org.uk/handbook/concsch5](https://handbook.fca.org.uk/handbook/concsch5?utm_source=chatgpt.com) | Opened, Handbook schedule, schedule entries distinguishing rules potentially actionable under FSMA s 138D and exceptions, including CONC 10. A private damages claim requires additional statutory standing, breach, causation and loss; not a presumption of automatic fee restitution. Access 26 Oct 2026. |\n\n### Client money, complaints, compensation and published decisions\n\n| Source | Issuer, title and full direct URL | Actually read: pinpoint, nature, currency, relevant limits |\n| --- | --- | --- |\n| C_EW-P01-S035 | FCA, CASS 11.1 — Application. [https://handbook.fca.org.uk/handbook/cass11/cass11s1](https://handbook.fca.org.uk/handbook/cass11/cass11s1?utm_source=chatgpt.com) | Opened, R/G, CASS 11.1.1R–11.1.6R: CASS debt-management firm and activities, small/large firm application and professional-firm qualifications. CASS client-money rules do not govern all cash held by every adviser. Access 26 Oct 2026. |\n| C_EW-P01-S036 | FCA, CASS 11.2 — Firm classification. [https://handbook.fca.org.uk/handbook/cass11/cass11s2](https://handbook.fca.org.uk/handbook/cass11/cass11s2?utm_source=chatgpt.com) | Opened, R/G, CASS 11.2.1R–11.2.4R: small/large distinction, £1 million relevant highest amount held in relevant prior/projected periods and connected tests. £1 million is a firm classification threshold, not deposit insurance or a consumer fee cap. Access 26 Oct 2026. |\n| C_EW-P01-S037 | FCA, CASS 11.3 — Responsibility for CASS operational oversight. [https://handbook.fca.org.uk/handbook/cass11/cass11s3](https://handbook.fca.org.uk/handbook/cass11/cass11s3?utm_source=chatgpt.com) | Opened, R/G, operational oversight for covered firms and relevant changed arrangements. Firm governance is distinct from a consumer’s ownership of the money. Access 26 Oct 2026. |\n| C_EW-P01-S038 | FCA, CASS 11.4 — Meaning of client money. [https://handbook.fca.org.uk/handbook/cass11/cass11s4](https://handbook.fca.org.uk/handbook/cass11/cass11s4?utm_source=chatgpt.com) | Opened, R/G, money received/held for debt management or creditor distribution, with cessation and properly due fee distinctions. Whether a specific remittance is client money requires its purpose and actual allocation. Access 26 Oct 2026. |\n| C_EW-P01-S039 | FCA, CASS 11.6 — The statutory trust. [https://handbook.fca.org.uk/handbook/cass11/cass11s6](https://handbook.fca.org.uk/handbook/cass11/cass11s6?utm_source=chatgpt.com) | Opened, R, CASS 11.6.1R on statutory trust for qualifying client money. Does not imply the entire fund remains intact if mishandled or a bank fails. Access 26 Oct 2026. |\n| C_EW-P01-S040 | FCA, CASS 11.8 — Client bank accounts. [https://handbook.fca.org.uk/handbook/cass11/cass11s8](https://handbook.fca.org.uk/handbook/cass11/cass11s8?utm_source=chatgpt.com) | Opened, R/G, including CASS 11.8.2R and 11.8.8R on appropriate client bank accounts, bank acknowledgment and record requirements. This is not the depositor FSCS compensation limit. Access 26 Oct 2026. |\n| C_EW-P01-S041 | FCA, CASS 11.9 — Segregation and operation of client money accounts. [https://handbook.fca.org.uk/handbook/cass11/cass11s9](https://handbook.fca.org.uk/handbook/cass11/cass11s9?utm_source=chatgpt.com) | Opened, R/G, segregation, treatment of cash/cheques, mixed remittances, individual allocation, withdrawals and consumer return. Conditions differ for a permitted fee versus sums designated to creditors. Access 26 Oct 2026. |\n| C_EW-P01-S042 | FCA, CASS 11.10 — Payments to creditors. [https://handbook.fca.org.uk/handbook/cass11/cass11s10](https://handbook.fca.org.uk/handbook/cass11/cass11s10?utm_source=chatgpt.com) | Opened, R/G, 11.10.1R–11.10.7G. Payment as soon as reasonably practicable is the rule; normally five business days is 11.10.2G FCA guidance. 11.10.3R requires all three express-term/precontract-attention/risk-explanation elements for the specified longer holding branch. 11.10.4R–11.10.6R address notifications, records and certain required financial restoration, including exceptions. Access 26 Oct 2026. CASS 11.10 Payments to creditors |\n| C_EW-P01-S043 | FCA, CASS 11.11 — Records, accounts and reconciliations. [https://handbook.fca.org.uk/handbook/cass11/cass11s11](https://handbook.fca.org.uk/handbook/cass11/cass11s11?utm_source=chatgpt.com) | Opened, R/G, CASS 11.11 records and different reconciliation obligations for small/large firms, plus exceptions triggered by particular delayed distributions. Not a guarantee against errors or shortfall. Access 26 Oct 2026. |\n| C_EW-P01-S044 | FCA, CASS 11.12 — Resolution pack. [https://handbook.fca.org.uk/handbook/cass11/cass11s12](https://handbook.fca.org.uk/handbook/cass11/cass11s12?utm_source=chatgpt.com) | Opened, R/G, records/information to facilitate an insolvency resolution and reconstruction of client entitlements. Actual consumer access and liquidator processes are not determined here. Access 26 Oct 2026. |\n| C_EW-P01-S045 | FCA, CASS 11.13 — Client money distribution on firm or approved-bank failure. [https://handbook.fca.org.uk/handbook/cass11/cass11s13](https://handbook.fca.org.uk/handbook/cass11/cass11s13?utm_source=chatgpt.com) | Opened, R/G, 11.13 pooling, entitlement and rateable distribution in defined failure events. No universal full-recovery promise and no actual insolvency account inspected. Access 26 Oct 2026. handbook.fca.org.uk |\n| C_EW-P01-S046 | FCA, CASS Schedule 5 — Rights of action for damages. [https://handbook.fca.org.uk/handbook/casssch5](https://handbook.fca.org.uk/handbook/casssch5?utm_source=chatgpt.com) | Opened, Handbook schedule, actionable-rule status and exclusions for identified CASS provisions under the FSMA private-action framework. Section display reported updated 25 Sep 2026; particular entries and standing control, not a right to automatic reimbursement for every breach. Access 26 Oct 2026. |\n| C_EW-P01-S047 | FCA, DISP 1 — Treating complainants fairly. [https://handbook.fca.org.uk/handbook/disp1?timeline=true](https://handbook.fca.org.uk/handbook/disp1?timeline=true&utm_source=chatgpt.com) | Opened, R/G, DISP 1.6.1R–1.6.2R and connected complaint handling: acknowledgment, investigation and usual final-response/eight-week pathway, with the relevant exceptions. The clock depends on receipt of a qualifying complaint by the respondent. Access 26 Oct 2026. |\n| C_EW-P01-S048 | FCA, DISP 2 — Jurisdiction of the Financial Ombudsman Service. [https://handbook.fca.org.uk/handbook/disp2](https://handbook.fca.org.uk/handbook/disp2?utm_source=chatgpt.com) | Opened, R/G, DISP 2.3.1R: covered respondents, activities and compulsory/voluntary jurisdiction. A regulatory complaint to FCA and an individual FOS claim are different channels. Access 26 Oct 2026. |\n| C_EW-P01-S049 | FCA, DISP 2.7 — Eligible complainants. [https://handbook.fca.org.uk/handbook/disp2/disp2s7](https://handbook.fca.org.uk/handbook/disp2/disp2s7?utm_source=chatgpt.com) | Opened, R/G, DISP 2.7 eligibility categories and relevant relationship tests, including consumers and qualifying organisations. Consumer status cannot be imported mechanically to every company or business borrower. Access 26 Oct 2026. |\n| C_EW-P01-S050 | FCA, DISP 2.8 — Time limits. [https://handbook.fca.org.uk/handbook/disp2/disp2s8](https://handbook.fca.org.uk/handbook/disp2/disp2s8?utm_source=chatgpt.com) | Opened, R/G, 2.8.1R–2.8.2R: usual prior-complaint/eight-week pathway, six-month referral from an adequate final response, and six-year event or later three-year awareness rule, with exceptions and qualifications. No computed date without complete facts. Access 26 Oct 2026. |\n| C_EW-P01-S051 | FCA, COMP 3.2 — The qualifying conditions for compensation. [https://handbook.fca.org.uk/handbook/comp3/comp3s2](https://handbook.fca.org.uk/handbook/comp3/comp3s2?utm_source=chatgpt.com) | Opened, R/G, COMP 3.2.1R and linked default/claim requirements. Insolvency alone does not establish a specific protected claim. Access 26 Oct 2026. |\n| C_EW-P01-S052 | FCA, COMP 4.2 — Eligibility for FSCS. [https://handbook.fca.org.uk/handbook/comp4/comp4s2](https://handbook.fca.org.uk/handbook/comp4/comp4s2?utm_source=chatgpt.com) | Opened, R, 4.2.1R–4.2.2R(20): in protected debt-management business, claimant must be a natural person; other exclusions and exceptions also apply. Section and cited rules displayed 17 Mar 2026. Access 26 Oct 2026. handbook.fca.org.uk |\n| C_EW-P01-S053 | FCA, COMP 5 — Protected claims. [https://handbook.fca.org.uk/handbook/comp5](https://handbook.fca.org.uk/handbook/comp5?utm_source=chatgpt.com) | Opened, R, 5.2.1R(6), 5.8.1R (5.8.1 displayed 1 Apr 2018): UK-establishment debt-management activity of a CASS debt-management firm, only so far as a claim concerns a client-money shortfall. No coverage established for mere poor debt advice or expected debt reduction. Access 26 Oct 2026. COMP 5 Protected claims |\n| C_EW-P01-S054 | FCA, COMP 10.2 — Limits on compensation payable. [https://handbook.fca.org.uk/handbook/comp10/comp10s2](https://handbook.fca.org.uk/handbook/comp10/comp10s2?utm_source=chatgpt.com) | Opened, R/G, 10.2.1R–10.2.3R: protected debt-management business entry provides 100% of qualifying claim, maximum £85,000; claim/category aggregation and other rules apply. Section last updated 29 Jul 2022; not the separately changed UK deposit-account limit. Access 26 Oct 2026. COMP 10.2 Limits on compensation payable |\n| C_EW-P01-S055 | Financial Services Compensation Scheme, Debt management — What we cover. [https://www.fscs.org.uk/what-we-cover/debt-management/](https://www.fscs.org.uk/what-we-cover/debt-management/?utm_source=chatgpt.com) | Opened, Official, headings “If the firm failed after 1 April 2019,” “If it failed between 1 April 2018 and 31 March 2019,” and “Limitations.” £85,000 and £50,000 corresponding limits; FCA authorisation, UK branch, reconciled shortfall, inability to pay, eligibility conditions. FSCS says advice and IVA practitioner payments are not protected by this category. Explanatory site, not replacement for COMP rules. Access 26 Oct 2026. FSCS |\n| C_EW-P01-S056 | Financial Ombudsman Service, Time limits for complaining. [https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits](https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits?utm_source=chatgpt.com) | Opened, Official published consumer explanation; six months after final response and six-years/three-years awareness framework, subject to exceptions and jurisdiction. Page shown updated in 2022; binding DISP pinpoint S050 takes precedence. Access 26 Oct 2026. |\n| C_EW-P01-S057 | Financial Ombudsman Service, published decision DRN2727544 (2015). [https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf](https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf?utm_source=chatgpt.com) | Opened, original published PDF, two PDF pages, zero-based indices 0–1; printed-page numbering not independently established. Decision-specific amounts: £240 × 24 = £5,760; deduction £80; resulting £5,680, plus award terms including £150 and specified simple interest. Individual final decision, not legislation, general fee formula or binding precedent. Access 26 Oct 2026. |\n| C_EW-P01-S058 | Financial Ombudsman Service, published decision DRN-5484433 (2025). [https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf](https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf?utm_source=chatgpt.com) | Opened, original published PDF, seven PDF pages, zero-based indices 0–6; printed-page numbering not independently established. Findings distinguish refunded firm fees, £600 distress award, creditor monies and unsupported speculative losses. Bounded decision-specific outcome, not a standard tariff. Access 26 Oct 2026. |\n\n### Private arrangements and distinct statutory mechanisms\n\n| Source | Issuer, title and full direct URL | Actually read: pinpoint, nature, currency, relevant limits |\n| --- | --- | --- |\n| C_EW-P01-S059 | GOV.UK, Options for dealing with your debts — Debt management plans. [https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans](https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans?utm_source=chatgpt.com) | Opened, Official guidance, DMP voluntary repayment arrangement, creditors’ participation/interest decisions and plan payment structure. UK-facing guidance used only for the E/W consumer comparison, not a statutory creditor moratorium. Access 26 Oct 2026. |\n| C_EW-P01-S060 | GOV.UK, Options for dealing with your debts — Individual voluntary arrangements. [https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements](https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements?utm_source=chatgpt.com) | Opened, Official guidance, IVA and licensed insolvency practitioner, required creditor approval, and its different legal mechanism. Full statutory vote calculation/eligibility and later variation rules not independently verified here. Access 26 Oct 2026. |\n| C_EW-P01-S061 | GOV.UK, Options for dealing with your debts — Debt relief orders. [https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders](https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders?utm_source=chatgpt.com) | Opened, Official guidance, E/W DRO as separate statutory relief involving approved intermediaries and conditions. This pass does not certify every current property, debt, income, cost or application threshold. Access 26 Oct 2026. |\n| C_EW-P01-S062 | GOV.UK / Insolvency Service, Guide to bankruptcy. [https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy](https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy?utm_source=chatgpt.com) | Opened, Official guidance, England/Wales bankruptcy application, official receiver and trustee structure, creditor and asset consequences at a high level. Full procedure, exemptions, fees and discharge exceptions deferred. Access 26 Oct 2026. |\n| C_EW-P01-S063 | GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for creditors. [https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors](https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors?utm_source=chatgpt.com) | Opened, Official guidance, England/Wales standard 60-day breathing space, regulated debt-advice entry, creditor notification/restrictions and separate mental-health-crisis branch. Actual statutory SI was not retrieved (S065), so an operative-text verification hold applies. Access 26 Oct 2026. |\n| C_EW-P01-S064 | GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for money advisers. [https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers](https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers?utm_source=chatgpt.com) | Opened, Official guidance, England/Wales entry and adviser-role conditions, including FCA-authorised debt counselling and specified local-authority routes; separate standard/mental-health-crisis processes. Not a rule allowing any paid negotiator to enrol customers. Access 26 Oct 2026. |\n| C_EW-P01-S065 | UK legislation.gov.uk, Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020, SI 2020/1311. [https://www.legislation.gov.uk/uksi/2020/1311/made](https://www.legislation.gov.uk/uksi/2020/1311/made?utm_source=chatgpt.com) | Failed operative-text retrieval. Official explanatory guidance at S063–S064 was read, but regulation-by-regulation enactment, amendments and current effect remain unverified. Access 26 Oct 2026. |\n| C_EW-P01-S066 | UK legislation.gov.uk, RAO 2001 alternate Part II endpoint. [https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain](https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain&utm_source=chatgpt.com) | Failed official alternative after S001; no substantive statutory body obtained. Not counted as affirmative support for any article. Access 26 Oct 2026. |\n\nSource treatment: S001, S002, S065 and S066 are visible negative-access records, not evidentiary citations establishing a legal rule. The other 62 entries identify bodies actually opened or read in this pass, but reading regulator guidance is not equivalent to verifying the current consolidated statute. No private provider contract, person-specific licence, borrower file, court file or authenticated case record was obtained.\n\n## 4. Atomic claim register\n\nEach claim ID below expands to the complete `C_EW-P01-C###` identifier. Scope is the FCA-regulated activity or consumer arrangement in England and Wales unless the row expressly states a wider UK regulatory scope or a different limit. Statements about the statutory perimeter are expressly subject to the unread current RAO/FSMA provisions at S001–S002; Handbook interpretation is identified as such. The “result” column states a regulatory duty or bounded consequence, not an assumed private remedy.\n\n### C001–C030: perimeter, actors, engagement\n\n| Claim ID | Exact proposition and triggering conditions | Required action, consequence and limitation | Primary source/pinpoint |\n| --- | --- | --- | --- |\n| C_EW-P01-C001 | Debt-advice perimeter turns on credit agreements relevant to RAO art 60B, the definition of “individual” and the covered debt activity; qualifying natural persons, some partnerships and unincorporated bodies differ from corporate borrowers. Business use alone is not a reliable exemption. | Identify debtor legal form, contract and credit purpose; do not presume all business debt is covered. Statutory text held. | S003 PERG 2.6.30G; S004 Glossary individual; S020 CONC 8.1.4G |\n| C_EW-P01-C002 | Consumer-hire agreements under the RAO definition can enter the debt-activity perimeter; the period and type of agreement, including the relevant more-than-three-month criterion, matter. | Obtain hire contract; distinguish hire from hire-purchase and other finance. RAO 60N text held. | S003 PERG 2.6.31G; S001 failed RAO |\n| C_EW-P01-C003 | Debt adjusting includes specified negotiations about payment terms, taking over responsibility for discharging qualifying debts or similar activities on a debtor's behalf. | Check actual service; arranging a compromise can be covered even without holding funds. | S005 PERG 2.7.8BG–CG; S006 PERG 17.3 Q3.1–Q3.3; RAO 39D unread |\n| C_EW-P01-C004 | Debt counselling concerns advice to a debtor about liquidation of relevant debt, not merely use of the colloquial term “counselling.” | Classify the advice and recipient; assess whether it recommends a debt-liquidation course. | S005 PERG 2.7.8DG–EG; S006 PERG 17.3; RAO 39E unread |\n| C_EW-P01-C005 | Relevant debt-liquidation advice can concern liabilities under credit agreements not themselves regulated consumer-credit agreements; the precise agreement class and advice still control. | Do not equate “underlying loan exempt from lending regulation” with “all debt advice unregulated.” | S006 PERG 17; S020 CONC 8.1.4G; qualified by S001 gap |\n| C_EW-P01-C006 | General impartial information and personal advice/decision-tree recommendations can receive different regulatory treatment depending on their content, individualisation and context. | Inspect scripts, questions and output before classifying a website or lead funnel. | S006 PERG 17.3–17.5 |\n| C_EW-P01-C007 | Debt collecting, debt administration, debt adjusting and debt counselling are distinct activity descriptions, potentially with overlapping facts. | A collector or payment administrator is not automatically a debtor adviser; classify each act independently. | S005 PERG 2.7; S006 PERG 17 |\n| C_EW-P01-C008 | FCA's credit-activity business-test interpretation does not make receiving a consumer fee indispensable; repeated free/nonprofit advice may still be by way of business. | Test activities, regularity, organisation and any exception before claiming exclusion. | S007 PERG 2.3.2G(3B), 2.3.3G |\n| C_EW-P01-C009 | Territorial regulation depends on the UK statutory nexus and business facts; offshore location neither proves nor disproves coverage. | Investigate marketing direction, contracting, performance and relevant establishment. FSMA s 19/s 418 operative text unverified; no conclusive remote outcome. | S012 PERG 2.4.2G–2.4.5G; S002 failed FSMA |\n| C_EW-P01-C010 | CONC has an application rule for specified activity carried on from outside a UK establishment where the customer is habitually resident in the UK, subject to the exact rule and exceptions. | Apply CONC 1.2.5R only when its predicates hold; it is not by itself a universal offshore licensing provision. | S013 CONC 1.2.5R; S012 PERG 2.4 |\n| C_EW-P01-C011 | A covered actor requires an appropriate legal route; FCA authorisation, particular activity permission, registration and claimed exemption are not synonyms. | Check specific permitted activities, limitations and effective history; unauthorised activity raises legal consequences but does not erase creditor debt. | S019 PERG 2.2.1G–AG; S017–S018 official register instructions |\n| C_EW-P01-C012 | Limited-permission consumer-credit routes exist, but a limited permission for incidental broking/another narrow activity is not blanket permission to operate debt management or negotiate all debts. | Match actual RAO activities against precise firm permissions; full-permission work may be required. | S015 FCA debt-permission limitations; S016 motor dealers |\n| C_EW-P01-C013 | An appointed representative route is conditional on covered activities, a qualifying written principal arrangement and SUP rules; the principal assumes specified responsibility. | Verify both the representative's scope and principal, including timing; no presumption that all debt-adjusting work is eligible. | S014 SUP 12.2.2G–.7G, 12.4.1AG; S013 CONC 1.2.3G |\n| C_EW-P01-C014 | Charitable/nonprofit identity or providing services free does not itself confer blanket exemption; only an actually qualifying route/exclusion changes the result. | Distinguish status, activity and any scheme predicate; fee-free customers still need appropriate advice standards when applicable. | S007 PERG 2.3; S011 PERG 2.11.5G; S020 CONC 8 |\n| C_EW-P01-C015 | Designated-profession treatment under FSMA s 327 depends on detailed incidental, professional-body, remuneration and activity conditions; separate advocacy/litigation settings differ. | Check professional capacity and body rules; ordinary debt business by a lawyer/accountant is not categorically unregulated. | S008 PERG 2.8.7CG branches; S010 PERG 2.10.12G–.16G |\n| C_EW-P01-C016 | Activities by an insolvency practitioner acting in the defined statutory capacity or reasonable contemplation of appointment can be excluded from certain debt-adjusting analysis. | Verify appointment/anticipated appointment and task; the same professional's unrelated commercial advice may be in scope. Insolvency licence ≠ FCA permission. | S009 PERG 2.9.25G–.27G; S033 CONC 10.2.10G |\n| C_EW-P01-C017 | Certain creditors, owners, suppliers or related actors handling their own debt fall within specifically conditioned RAO exclusions rather than a universal “creditor exempt” rule. | Establish actual beneficial interest/relationship and excluded activity; third-party services may differ. | S008 PERG 2.8.7CG(1), (3)–(6), interpreting RAO 39H–39K |\n| C_EW-P01-C018 | Tracing, collecting, distributing payments and negotiating a debtor's liability are not necessarily the same activity; a payment intermediary may have additional financial-services issues. | Map fund flow and legal role. Payment-services perimeter and every linked exclusion remain unresolved, not presumed safe. | S005 PERG 2.7; S011 PERG 2.11.4G; CASS S035–S041 |\n| C_EW-P01-C019 | Specified enterprise-scheme activity is subject to a no-pecuniary-gain criterion and other particular conditions, not simply “small business debt” or “nonprofit.” | Obtain scheme identity, purpose, remuneration and actual RAO conditions before reliance. | S011 PERG 2.11.5G; S001 operative exception failed |\n| C_EW-P01-C020 | Some local-authority/official functions receive specific treatment; breathing-space money-adviser eligibility is separately conditioned. | Do not conflate local-government status, FCA exclusion and permission to initiate statutory respite. | S009 PERG 2.9; S063–S064 official breathing-space guidance |\n| C_EW-P01-C021 | FCA Register and its consumer checking instructions permit public examination of identity, status, permissions, limitations, principal and historical records. | Consumer compares legal name, exact service and genuine contact details. No named search here; records need transaction-date checking. | S017–S018, FCA public pages |\n| C_EW-P01-C022 | Unauthorised regulated activity may engage prohibition/offence and agreement enforceability rules; consequences are fact- and statute-dependent. | No automatic debt cancellation, universal restitution, release of security or reversal of judgment follows solely from a provider violation. Primary statutory sections not reopened. | S019 PERG 2.2.1G–AG; S001–S002 failed |\n| C_EW-P01-C023 | Covered debt-management firms face CONC 10 solvency/resources rules, generally the higher of £5,000 or a formula on relevant debts under management: 0.25% first £5m + 0.15% next £95m + 0.05% remainder, with other-activity higher requirements and professional-firm exclusions. | This is firm prudential capital, not a fee payable by a consumer, bond protecting each account or proven universal PII requirement. CONC 10 breaches are specified not privately actionable under s 138D. | S033 CONC 10.1.1R–.2R, .6R; 10.2.4R–.9R; 10.2.13R–.14R |\n| C_EW-P01-C024 | Applicable financial promotions must be clear, fair and not misleading and comply with debt-services disclosures; guaranteed settlements or false government affiliation raise concerns. | Compare actual wording with CONC 3.3.1R and 3.9.3R/.5R/.7R; no automatic finding absent the advertisement/context. | S029 CONC 3.3.1R; S030 CONC 3.9 |\n| C_EW-P01-C025 | A debt management firm, specifically, must prominently state in its first written or oral communication that free relevant services exist and point to MoneyHelper; its website must carry the prescribed advice-locator link. | Disclose at initial contact; not a generic duty applying identically to every free publisher. | S021 CONC 8.2.4R(1)–(2) (displayed 26 Nov 2021) |\n| C_EW-P01-C026 | Covered advice/action must address best interests and individual circumstances following sufficiently full financial assessment, present suitable options and explain rejected ones; impartial UK-country-specific options also matter. | Assess income, capital, expenditure, vulnerabilities, foreseeable changes and solution suitability; do not steer based only on provider earnings. | S022 CONC 8.3.2R(1)–(3), 8.3.7R(1)–(5); S021 8.2.2G |\n| C_EW-P01-C027 | Advice normally requires a durable medium covering included/excluded debts, risks, priority nonpayment, legal action and lack of guaranteed suspension; the 8.3.4AR exception is only where not contracted and the firm reasonably concludes no contract is likely, with reasons recorded. | Record disclosure and exception basis. An initial call does not categorically excuse durable advice. | S022 CONC 8.3.4R(1)–(6), 8.3.4AR(1)–(2) and 8.3.6AG |\n| C_EW-P01-C028 | Firm must provide written debt-solution contract stating services, duration, cost/formula and termination/cancellation; prohibited terms include banning direct lender contact, disclaiming all liability or claiming no refund ever. | Obtain contract; unenforceability/remedy of an individual clause is not finally determined without contract and applicable law. | S023 CONC 8.4.1R–8.4.4G |\n| C_EW-P01-C029 | A covered plan's financial statements and lender information must use the required financial picture, debts and proposed distribution, with consequential revisions when fees change available repayments. | Obtain dated budget, creditor list, allocations and revised statements. | S024 CONC 8.5.1R; S026 CONC 8.7.4R(2) |\n| C_EW-P01-C030 | A provider must give specified creditor communication for payments withheld, have vulnerability procedures and keep DMPs under review; creditor participation and enforcement remain separate. | Review actual payments, creditor replies, changing affordability, legal notices and updated advice. | S021 CONC 8.2.5R–8.2.8G; S025 CONC 8.6; S027 CONC 8.8.1R; S059 DMP guidance |\n\n### C031–C061: charging, client funds, redress and mechanism boundary\n\n| Claim ID | Exact proposition and triggering conditions | Required action, consequence and limitation | Primary source/pinpoint |\n| --- | --- | --- | --- |\n| C_EW-P01-C031 | Under a DMP, CONC prohibits arranging fee amounts/timing so the customer pays all or substantially all fees ahead of lender repayments or cannot make significant lender repayments from month one and throughout. A compliant full-and-final holding model has a specified qualification. | Examine actual first-month and ongoing distribution—not just total contracted fee. No universal percentage charge or universal “no upfront money” rule follows. | S026 CONC 8.7.2R(1)–(3) |\n| C_EW-P01-C032 | FCA says allocating more than half sums received in any one-month period from the start of a DMP to fees is likely to undermine significant creditor repayment; charges for ongoing administration should generally be spread over the plan. | Treat 8.7.3G as regulatory guidance, not a binding 50% statutory fee ceiling or a permission to take 50% routinely. | S026 CONC 8.7.3G(1)–(4) |\n| C_EW-P01-C033 | Covered firms cannot demand payment for a debt solution before entering the contract, take payments without specific continuing authority, normally charge fees by credit card/credit, charge impermissible repeated set-up costs, or impose disproportionate cancellation charges. | Match payment source, customer mandate, agreed fee, work already done and any permitted exception. | S026 CONC 8.7.6R(1)–(8) |\n| C_EW-P01-C034 | Where advice is identified or established as incorrect/inappropriate, fees imposed for that advice must be refunded/credited; where services are wholly or partly absent or lack reasonable skill/care, an appropriate fee refund is required. Relevant commissions must be disclosed. | Identify the particular charge, faulty advice or unperformed service; calculate resulting refund instead of treating all provider receipts as fees. | S026 CONC 8.7.4R(1)–(4); S023 8.4.4G |\n| C_EW-P01-C035 | Specified debt-packaging advisers who do not themselves provide debt solutions face a prohibition on referral remuneration from solution providers, including associates/AR steps, subject to not-for-profit-body exclusion, statutory/official exceptions and pre-commencement accrued-right qualification. | Check adviser business model, direct/indirect remuneration, 2 June 2023 rule and 26 June 2026 guidance versions; prohibition does not apply universally to every referral. | S022 CONC 8.3.9R–8.3.16R, especially 8.3.9R(1)–(2), 8.3.11R(1)–(2), 8.3.14R |\n| C_EW-P01-C036 | Qualifying distance contracts concerning debt counselling/adjusting can be cancelled without reason/penalty within 14 calendar days; CONC 11.1.1R has exclusions, and this specified limb excludes services in relation to consumer hire. | First identify distance contract, consumer, service type and exclusions; neither every online enquiry nor every hire agreement qualifies. | S032 CONC 11.1.1R–11.1.2R |\n| C_EW-P01-C037 | The cancellation period starts at contract-making or the later receipt of specified contractual/precontract information; prescribed notice dispatched before expiry can satisfy the exercise requirement. | Preserve contract date, actual information receipt, method, accessibility and dispatch evidence. No actual calendar deadline calculated. | S032 CONC 11.1.5R, 11.1.6R, 11.1.7R–8G |\n| C_EW-P01-C038 | On valid cancellation, a firm may charge only proportionately for services actually given, without penalty, and only if it proves appropriate information and the customer's prior request for early performance. It must return other sums without undue delay and within 30 calendar days of receiving cancellation; separate consumer return obligation starts from consumer dispatch. | Work out earned service amount conditionally; if proof/request is missing, the 11.1.11R charge fails. Distinguish firm-receipt from customer-dispatch clocks; no deadline date assumed. | S032 CONC 11.1.10R–11.1.14R; S026 8.7.1G |\n| C_EW-P01-C039 | CASS 11 applies to a defined CASS debt management firm receiving/holding money for DMP or creditor distribution. Properly due fees and completed distributions differ from client funds awaiting disbursement. | Reconcile purpose, receipt, appropriation and creditor payment before designating money as firm revenue. Professional and other scope exclusions need checking. | S035 CASS 11.1.1R–.6R; S038 CASS 11.4 |\n| C_EW-P01-C040 | Qualifying client money is subject to the CASS statutory trust and segregation/account protections. | Maintain protected account/ownership records; a breached trust duty does not guarantee intact assets or automatic recovery. | S039 CASS 11.6.1R; S041 CASS 11.9 |\n| C_EW-P01-C041 | CASS classifies firms using the highest amount held in the last calendar year—or relevant projected current-year holding—with large ≥ £1 million and small below £1 million; notification, effective date and optional large classification have separate conditions. | Apply classification and required reconciliation/oversight, not a customer-specific fund guarantee. The 7 May 2025 notification amendment differs from original 2014 classification rules. | S036 CASS 11.2.1R–11.2.8R; S043 11.11 |\n| C_EW-P01-C042 | Covered client bank account arrangements require specified bank acknowledgment and record/account procedures, with account eligibility and timing conditions. | Examine actual acknowledgment, account name, bank and records; mere “segregated” advertising is not proof. | S040 CASS 11.8.2R, 11.8.8R, associated rules |\n| C_EW-P01-C043 | CASS imposes defined treatment for cash and cheques, including applicable next-business-day banking, and allocation between client and firm parts of mixed remittances. | Record receipt form, cleared status, account route and whether any part was lawfully firm money. | S041 CASS 11.9, cash/cheque and mixed-remittance provisions |\n| C_EW-P01-C044 | Client-level identification and recording/allocation of incoming money must follow CASS 11.9 requirements, including the applicable five-business-day allocation requirement. | Compare actual ledger timestamps, source and recipient accounts; this clock differs from creditor-distribution guidance. | S041 CASS 11.9 allocation rules; S043 11.11 |\n| C_EW-P01-C045 | Creditors must ordinarily receive client money as soon as reasonably practicable. FCA guidance says normally within five business days of cleared receipt; delay under 11.10.3R requires all three precontract conditions, and additional notifications/daily checks may apply. | Test contract express term, separate notice, risk explanation, creditor notice and daily records. Five days is not a universal strict statutory maximum. | S042 CASS 11.10.1R–11.10.5R; .2G |\n| C_EW-P01-C046 | Where a firm fails to pay as soon as reasonably practicable, CASS 11.10.6R can require restoring the client's financial position; specified lawful long-holding and circumstances outside firm control qualify the duty. | Prove causation and extra charges/interest, and check exclusions; FCA guidance explains likely heads, not automatic predetermined compensation. | S042 CASS 11.10.6R(1)–(2), 11.10.7G |\n| C_EW-P01-C047 | A consumer’s instruction withdrawing unused money and cancellation may require money return, with CASS operating duties and any separate CONC 11 deadline each assessed on its own predicates. | Obtain written withdrawal, fee/itemisation, ledger and proof of payments made. Any “normally within five business days” shorthand must retain its guidance status and precise context. | S041 CASS 11.9 withdrawal/return provisions; S032 11.1.12R |\n| C_EW-P01-C048 | Defined firm/bank failures trigger CASS 11.13 pooling and rateable entitlements; insolvency, bank failure or misallocation may leave a shortfall. | Reconstruct client entitlement and relevant pool; neither segregation nor FSCS provides unconditional full repayment. | S045 CASS 11.13; S043 11.11; S053 COMP 5.8.1R |\n| C_EW-P01-C049 | Specified Handbook rules can support a private damages action under the FSMA s 138D framework, subject to schedules, claimant status and ordinary proof; CONC 10.1.6R expressly excludes such action for CONC 10. | Distinguish FCA discipline, contract refunds, s 138D damages, FOS and FSCS. Do not infer every breach automatically voids contract or creditor debt. | S034 CONC Sch 5; S046 CASS Sch 5; S033 CONC 10.1.6R; S002 statutory text unavailable |\n| C_EW-P01-C050 | FOS consideration requires a respondent/activity within DISP jurisdiction and an eligible complainant with the necessary relationship. | Determine complainant type, respondent, complaint matter and compulsory/voluntary coverage before referring. | S047 DISP 1; S048 DISP 2.3.1R; S049 DISP 2.7 |\n| C_EW-P01-C051 | Ordinary FOS sequencing involves an initial firm complaint, a usual eight-week stage, normally six months after qualifying final response, and six years from event or later three years from awareness, subject to exclusions, consent and exceptional circumstances. | Preserve firm-receipt proof, final response and awareness facts. Do not compute filing dates from a bare event date. | S047 DISP 1.6.1R–.2R; S050 DISP 2.8.1R–.2R; S056 official explanation |\n| C_EW-P01-C052 | FSCS protected debt-management business is UK-establishment CASS debt-management activity only in relation to client-money shortfall, not a free-standing insurance policy for bad advice, all fees or unsuccessful negotiations. | Identify regulated money-holding role, UK branch, reconciled shortage and claim character. | S053 COMP 5.8.1R; S055 FSCS limitations |\n| C_EW-P01-C053 | FSCS payment further requires qualifying default and eligible claimant; for this particular protected-debt-management category, non-natural persons are excluded. | Verify default, inability to meet claim and natural-person status; a qualifying contract alone is insufficient. | S051 COMP 3.2.1R; S052 COMP 4.2.1R–4.2.2R(20) |\n| C_EW-P01-C054 | Under the current cited COMP table, covered debt-management shortfall pays 100% up to £85,000 in qualifying circumstances. FSCS describes £50,000 for qualifying firms failing 1 Apr 2018–31 Mar 2019, and £85,000 after that period. | Check failure date, covered business, natural person, actual shortage, eligible firm and aggregation; this category is not the general bank-deposit limit. | S054 COMP 10.2.3R; S055 official dated-failure criteria |\n| C_EW-P01-C055 | Published 2015 FOS decision treated 24 × £240 = £5,760, less £80, producing £5,680, with specified interest treatment and £150 distress/redress. | This was the ombudsman’s resolution on stated case facts; neither percentage, outcome nor award is universally mandated. | S057 published DRN2727544, PDF zero-based pp 0–1 |\n| C_EW-P01-C056 | Published 2025 FOS decision distinguished refund of firm fees and £600 compensation from creditor monies and speculative additional claims. | Compare provider-controlled charges with other loss theories; result is case-specific and not binding tariff or settled class-wide claim. | S058 published DRN-5484433, PDF zero-based pp 0–6 |\n| C_EW-P01-C057 | DMPs and private full-and-final settlements are negotiated/voluntary arrangements. A private offer does not automatically bind a creditor or halt interest, recovery or court action. | Obtain express creditor acceptance and payment/waiver evidence, and check each creditor separately. No statutory moratorium inferred. | S059 official DMP guidance; S022 CONC 8.3.4R(3)(e); S025 CONC 8.6 |\n| C_EW-P01-C058 | England/Wales IVAs are a separate statutory insolvency mechanism involving a licensed insolvency practitioner and requisite creditor decision. | Identify actual proposal, IP appointment, votes/approval and binding scope; no IVA from mere “settlement programme” branding. Full vote and variation law deferred. | S060 official IVA guidance; S022 8.3.4R(4) |\n| C_EW-P01-C059 | England/Wales DROs are a distinct formal insolvency/debt-relief procedure with eligibility and approved intermediary/application requirements. | Verify entry/approval and covered debts before asserting discharge or restrictions. Complete eligibility/process rules deferred. | S061 official DRO guidance |\n| C_EW-P01-C060 | England/Wales bankruptcy is distinct from a private DMP, settlement or IVA, with formal process and official receiver/trustee consequences. | Require actual bankruptcy order/process evidence; no universal claim about exemptions, secured debts, tax or discharge in this pass. | S062 GOV.UK Insolvency Service bankruptcy guide |\n| C_EW-P01-C061 | England/Wales breathing space is a formal debt-respite mechanism, with standard 60-day and separate mental-health-crisis routes, approved adviser entry and defined creditor restrictions—not automatic debt cancellation. | Verify qualifying entry and statutory notice rather than treating DMP enrolment as respite. Regulation text S065 failed, so effect/eligibility detail remains held. | S063–S064 official guidance; S065 failed current regulation |\n\nThe numerical calculations in Scenarios 2, 4, 5 and 6 are traceable to these claim predicates; where no rule sets a provider fee, the example uses explicitly hypothetical contractual values rather than attributing those amounts to legislation.\n\n## 5. Granular coverage register\n\nStatus meanings:\n\n- answered — a bounded question answered from an actually read controlling Handbook rule or identified official material, within that rule's stated scope; does not signify overall statutory-perimeter acceptance.\n- partial — meaningful supported finding exists, but a predicate, statutory enactment, historic version or factual branch remains.\n- unresolved — controlling evidence was not obtained or a decisive legal issue remains open.\n- excluded_with_reason — reserved for an explicitly deferred parent topic or separate jurisdiction.\n\nThe IDs in the claim column are complete, literal `C_EW-P01-C###` identifiers. Locations refer to the substantive discussion preceding §2, the numbered scenarios in §2, and exact claim rows in §4.\n\n### A. Regulatory perimeter\n\n| Coverage item; finding location | Status | Exact claim IDs | Missing proof and next focused action |\n| --- | --- | --- | --- |\n| EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011. | partial | C_EW-P01-C003, C_EW-P01-C011 | Reopen operative RAO/FSMA and jurisdiction provisions, distinguishing statutes from FCA G/R. |\n| EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066. | unresolved | C_EW-P01-C001, C_EW-P01-C003, C_EW-P01-C004 | Retrieve official current RAO arts 39D–39K, 60B, 60N, schedules, commencement/amendment annotations and transitional effects through a viable official full-text route. |\n| EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022. | partial | C_EW-P01-C011, C_EW-P01-C022 | Read enacted FSMA ss 19, 21, 23, 26–28, 138D, 327, 418 with relevant current amendments; avoid assumptions about each remedy. |\n| EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1. | partial | C_EW-P01-C003 | Obtain RAO 39D body and exceptions; apply service-by-service factual tests. |\n| EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006. | partial | C_EW-P01-C004, C_EW-P01-C005, C_EW-P01-C006 | Read RAO 39E current text; map generic content, decision trees and personalised recommendation cases. |\n| EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018. | partial | C_EW-P01-C007, C_EW-P01-C018 | Map applicable RAO activities/exclusions and separate payment-services regulations. |\n| EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005. | partial | C_EW-P01-C001, C_EW-P01-C005 | Confirm statutory agreement definition and each exclusion for specific products. |\n| EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036. | partial | C_EW-P01-C002, C_EW-P01-C036 | Verify RAO 60N and service-specific cancellation exceptions against actual hire agreement. |\n| EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001. | partial | C_EW-P01-C001 | Reopen exact RAO/CCA individual definitions, partnership-size and purpose exceptions; resolve each borrowed-for-business branch. |\n| EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053. | partial | C_EW-P01-C001, C_EW-P01-C050, C_EW-P01-C053 | Distinguish advice-activity debtor definition from FOS and FSCS eligibility; validate organisation type. |\n| EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019. | partial | C_EW-P01-C001, C_EW-P01-C005, C_EW-P01-C019 | Read actual business-purpose exceptions and any monetary/agreement formalities. |\n| EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027. | partial | C_EW-P01-C001, C_EW-P01-C027 | Reopen land-secured exclusions and debt-specific rules; do not equate mortgage debt with ordinary credit-card debt. |\n| EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3. | partial | C_EW-P01-C009 | Read enacted territorial sections and actual location-of-activity analysis. |\n| EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3. | answered | C_EW-P01-C010 | For a real fact pattern establish firm, establishment, customer's habitual residence and covered activities; separate unresolved authorisation nexus. |\n| EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1. | answered | C_EW-P01-C011 | Transaction-date Register inspection would be needed for an actual actor; none authorised here. |\n| EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012. | partial | C_EW-P01-C012 | Exact permission type, FCA conditions and status on relevant date remain actor-dependent. |\n| EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013. | partial | C_EW-P01-C013 | Check RAO/SUP activity eligibility, written appointment and principal responsibility at relevant date. |\n| EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021. | answered | C_EW-P01-C011, C_EW-P01-C021 | Actual name/record lookup intentionally not performed. |\n| EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status. | unresolved | C_EW-P01-C011, C_EW-P01-C035, C_EW-P01-C041 | Obtain RAO/FSMA consolidation and amendments at baseline 22 Oct and check 26 Oct changes, commencements and future-effective instruments. |\n\n### B. Actors, exclusions and safeguards\n\n| Coverage item; finding location | Status | Exact claim IDs | Missing proof and next focused action |\n| --- | --- | --- | --- |\n| EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1. | partial | C_EW-P01-C003, C_EW-P01-C004, C_EW-P01-C008, C_EW-P01-C011 | Reopen statutory articles and individual activity/payment facts. |\n| EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1. | partial | C_EW-P01-C008, C_EW-P01-C014 | Determine actual by-way-of-business status and particular exclusion. |\n| EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008. | partial | C_EW-P01-C006, C_EW-P01-C008 | Review actual scripts, advice and business context; do not infer licence from general publication. |\n| EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015. | partial | C_EW-P01-C015 | Verify professional-body permission, incidental character and financial benefit. |\n| EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2. | partial | C_EW-P01-C016 | Confirm IP's exact capacity and relevant statutory definition/appointment. |\n| EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017. | partial | C_EW-P01-C017 | Reopen RAO 39H–39K and actual ownership/agency facts. |\n| EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018. | partial | C_EW-P01-C007, C_EW-P01-C018 | Read collector-specific rules in a separate focused pass and linked exclusions. |\n| EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039. | partial | C_EW-P01-C018, C_EW-P01-C039 | Map legal possession, payment initiation, debtor/creditor agency and Payment Services Regulations separately. |\n| EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019. | partial | C_EW-P01-C019 | Retrieve operative RAO enterprise-scheme text and scheme facts. |\n| EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061. | partial | C_EW-P01-C020, C_EW-P01-C061 | Read statutory basis and exact official function before treating actor as exempt or eligible. |\n| EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021. | answered | C_EW-P01-C021 | No named entity/person/permission search, and no claim that any provider presently holds approval. |\n| EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033. | unresolved | C_EW-P01-C023, C_EW-P01-C033 | Separate FCA fee tariff/FEES module by firm type from any consumer charge. |\n| EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023. | answered | C_EW-P01-C023 | Any actual amount needs managed debt value, accounting date, other activities and eligible resource balances. |\n| EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023. | unresolved | C_EW-P01-C023 | Read FCA threshold conditions, firm-specific permission conditions, professional body rules and any applicable PII requirement. |\n| EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049. | partial | C_EW-P01-C022, C_EW-P01-C049 | Read FSMA ss 23 and 26–28, including exceptions, discretion, recovery and transaction nexus before claiming remedy. |\n\n### C. Engagement, fees and arrangements\n\n| Coverage item; finding location | Status | Exact claim IDs | Missing proof and next focused action |\n| --- | --- | --- | --- |\n| EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5. | answered | C_EW-P01-C024 | Particular advertisement and audience not provided; no violation found for an actual actor. |\n| EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025. | answered | C_EW-P01-C025 | Scope limited to “debt management firm”; actual communication not obtained. |\n| EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028. | answered | C_EW-P01-C027, C_EW-P01-C028 | Document delivery/receipt and consumer-credit disclosure-regulation branch remain contract facts. |\n| EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026. | answered | C_EW-P01-C026 | Actual budget/medical/employment evidence required for individual determination. |\n| EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027. | answered | C_EW-P01-C025, C_EW-P01-C026, C_EW-P01-C027 | Availability and eligibility of each local mechanism require separate check. |\n| EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027. | answered | C_EW-P01-C027 | Amounts and enforcement priority deferred; provider must address actual risk. |\n| EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030. | answered | C_EW-P01-C026, C_EW-P01-C030 | Actual vulnerability evidence and reasonable adjustments are case-specific; full equality-law regime not researched. |\n| EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027. | answered | C_EW-P01-C027 | Must inspect reason record before accepting exception; no contract obtained. |\n| EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028. | answered | C_EW-P01-C028 | Individual enforceability/private-remedy and contract text remain untested. |\n| EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029. | answered | C_EW-P01-C029 | Any exact distributable sum needs creditor/current budget evidence. |\n| EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032. | answered | C_EW-P01-C031, C_EW-P01-C032 | No fee calculation without actual contract, plan and ledger. |\n| EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032. | answered | C_EW-P01-C032 | Actual plan compliance additionally tested under 8.7.2R. |\n| EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4. | partial | C_EW-P01-C031, C_EW-P01-C045 | Inspect precontract holding term, separate attention/risk explanation and CASS allocation. |\n| EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033. | answered | C_EW-P01-C033 | Actual mandates, method, dates and contract needed. |\n| EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5. | answered | C_EW-P01-C034 | Prove defect, charge link and restitution/account treatment. |\n| EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4. | answered | C_EW-P01-C034 | Work records, degree of failure and fees paid necessary for actual calculation. |\n| EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035. | answered | C_EW-P01-C035 | Transaction-date scope and remuneration records needed; no specific actors inspected. |\n| EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4. | answered | C_EW-P01-C036 | Need actual contract category, delivery facts and exceptions. |\n| EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038. | answered | C_EW-P01-C037, C_EW-P01-C038 | No trigger/method/receipt dates supplied; no calendar date calculated. |\n| EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4. | answered | C_EW-P01-C038 | Proof of consumer early-performance request, prior charge disclosure and actual work required. |\n| EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030. | answered | C_EW-P01-C029, C_EW-P01-C030 | Actual frequency, communication and evidence of change need records. |\n| EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2. | answered | C_EW-P01-C057 | Each creditor agreement and applicable contractual/statutory enforcement rights still need separate analysis. |\n| EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5. | answered | C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061 | Check formal entry evidence before describing moratorium or discharge. |\n\n### D. Client money, complaints and redress\n\n| Coverage item; finding location | Status | Exact claim IDs | Missing proof and next focused action |\n| --- | --- | --- | --- |\n| EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6. | answered | C_EW-P01-C039 | Match actual actor, payment purpose and exclusions before applying CASS. |\n| EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5. | answered | C_EW-P01-C034, C_EW-P01-C039 | Contract, invoice, services provided and allocation ledger required. |\n| EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041. | answered | C_EW-P01-C041 | Firm-specific holdings and notifications unavailable. |\n| EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040. | answered | C_EW-P01-C040 | Actual account/trust records unavailable; protection not guaranteed recovery. |\n| EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042. | answered | C_EW-P01-C042 | Confirm actual bank, acknowledgment and account operation in a provider-specific review, if authorised. |\n| EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043. | answered | C_EW-P01-C043 | Need payment-medium and bank-clearing facts for a deadline calculation. |\n| EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044. | answered | C_EW-P01-C041, C_EW-P01-C044 | Actual records and method unavailable; no assumed zero shortfall. |\n| EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045. | answered | C_EW-P01-C045 | Check cleared receipt, business-day calendar, distribution history and whether exception actually established. |\n| EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4. | answered | C_EW-P01-C045 | Missing any predicate changes branch; actual contracts unavailable. |\n| EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046. | answered | C_EW-P01-C045, C_EW-P01-C046 | Require proof of delay, causation, fees/interest and factors outside firm's control. |\n| EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4. | partial | C_EW-P01-C047, C_EW-P01-C038 | Exact client-money release instructions, bank transfer status and cancellation receipt are case-specific; ordinary contractual termination branch needs exact agreement. |\n| EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6. | answered | C_EW-P01-C048 | Actual insolvency pool, competing claims and costs not obtained; numerical pool example not an entitlement determination. |\n| EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054. | answered | C_EW-P01-C048, C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054 | Underlying bank failure/administration facts and claimant eligibility determine actual outcome. |\n| EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049. | partial | C_EW-P01-C049 | FSMA s 138D operative body and specific cause-of-action elements remain statutory hold. |\n| EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051. | answered | C_EW-P01-C050, C_EW-P01-C051 | An individual respondent and complaint have not been assessed; no submission made. |\n| EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051. | answered | C_EW-P01-C051 | No consumer-specific deadlines computed without receipt/final response/awareness facts. |\n| EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054. | answered | C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054 | Failure date, eligibility, firm status and reconciliation still case-specific; not coverage for mere dissatisfaction. |\n| EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056. | answered | C_EW-P01-C055, C_EW-P01-C056 | No citator, acceptance/implementation record, representative sample or basis for universal damages tariff. |\n| EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050. | answered | C_EW-P01-C021, C_EW-P01-C028, C_EW-P01-C029, C_EW-P01-C038, C_EW-P01-C039, C_EW-P01-C047, C_EW-P01-C050 | No private records requested, received or examined. |\n\n### E. Mechanism and geographic boundary\n\n| Coverage item; finding location | Status | Exact claim IDs | Missing proof and next focused action |\n| --- | --- | --- | --- |\n| EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2. | answered | C_EW-P01-C057 | Individual creditor acceptance, interest and enforcement must be proved. |\n| EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4. | partial | C_EW-P01-C031, C_EW-P01-C057 | Exact offer, acceptance, released parties, balance and security clauses unavailable; full contract-law interpretation deferred. |\n| EW-E03 — IVA versus provider DMP. Requires formal insolvency practitioner/approval route. §4 C058; Scenario 2. | partial | C_EW-P01-C058 | Focused pass needed for votes, forms, property equity, modifications, fees, defaults and discharge. |\n| EW-E04 — DRO versus provider plan. Distinct statutory application/intermediary. §4 C059; Scenario 2. | partial | C_EW-P01-C059 | Read current operative eligibility limits, exclusions, application process, restrictions and commencement changes. |\n| EW-E05 — Bankruptcy versus settlement. Formal order/officeholder separate. §4 C060. | partial | C_EW-P01-C060 | Separate Insolvency Act/Rules pass for assets, secured creditors, fees, exemptions, discharge and procedure. |\n| EW-E06 — Breathing space. England/Wales statutory respite with qualified adviser route; standard/mental-health branches. §4 C061. | partial | C_EW-P01-C061 | Operative SI 2020/1311 failed; read regulation text, amendments and exceptions before precise legal-effect or deadline assertion. |\n| EW-E07 — England. FCA provider standards and official E/W insolvency/respite descriptions researched. §4 C025–C061. | partial | C_EW-P01-C025, C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061 | England-specific collection, court, limitation and public-debt remedies deferred. |\n| EW-E08 — Wales. FCA UK-wide rules apply within their terms; cited IVA/DRO/bankruptcy/breathing-space guidance expressly addresses England and Wales. §2 Scenarios 2/3; §4 C010/C058–C061. | partial | C_EW-P01-C010, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061 | Check any devolved advice programme, local-authority function and Wales-specific debt/housing process in separate pass. No proof that every local remedy is identical. |\n| EW-E09 — Scotland. Distinct local debt solutions and enforcement regimes, not independently investigated. §4 C026/C035 notes country sensitivity. | excluded_with_reason | C_EW-P01-C026, C_EW-P01-C035 | Separate Scotland provider/regulated advice plus debt solution/enforcement dossier; do not transpose E/W IVA/DRO/breathing rules. |\n| EW-E10 — Northern Ireland. Distinct insolvency and local process, not independently investigated. §4 C026/C035 notes country sensitivity. | excluded_with_reason | C_EW-P01-C026, C_EW-P01-C035 | Separate Northern Ireland provider/regulated advice plus debt solution/enforcement dossier; no conclusion from UK-wide FCA material alone. |\n| EW-E11 — England-versus-Wales exact differences. FCA standards common within scope; named government statutory processes explicitly cover both, but complete local comparison not made. §4 C026/C058–C061. | partial | C_EW-P01-C026, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061 | Compare any devolved advice services and relevant local civil-enforcement/housing rules next pass. |\n| EW-E12 — Insolvency-professional versus regulated debt-advice roles. An IP acting within appointment differs from ordinary adviser/negotiator. §4 C015/C016/C058. | partial | C_EW-P01-C015, C_EW-P01-C016, C_EW-P01-C058 | Read IP authorisation/supervision statute and professional-body rules in targeted pass, not equated to FCA Part 4A. |\n| EW-E13 — Cross-border case existence. Territorial provider rule identified, but substantive foreign-law consequences remain open. §2 Scenario 3; §4 C009/C010. | partial | C_EW-P01-C009, C_EW-P01-C010 | A098 specialised questions separately inventoried below; territorial interpretation is not a conflicts/judgments answer. |\n\n### F. Explicitly deferred parent topics and next-pass questions\n\nEach row is a separate open workstream. The source references in some rows support only the gateway/warning, not the underlying deferred law.\n\n| Coverage item and narrow current finding | Status | Exact claim IDs, if any | Required focused next question |\n| --- | --- | --- | --- |\n| EW-F01 — Consumer debt product map. Credit/hire gateway touched; no comprehensive product classification. | excluded_with_reason | C_EW-P01-C001, C_EW-P01-C002 | Map credit cards, overdrafts, loans, BNPL, hire, guarantees, mortgages, utilities, rent and public debts by creditor/right/regulated status. |\n| EW-F02 — Collection conduct. Debt collecting identified as distinct activity only. | excluded_with_reason | C_EW-P01-C007, C_EW-P01-C018 | What creditor/agent contacts, harassment standards, required notices and FCA conduct provisions apply by actor/debt? |\n| EW-F03 — Validation, documentation and debt disputes. No universal US-style “validation” right imported. | excluded_with_reason | C_EW-P01-C007 | What agreement-copy, statement, information-request, assignment-notice, complaint and disputed-debt duties arise under actual UK instruments? |\n| EW-F04 — Limitation and revival. Not researched. | excluded_with_reason | — | For each E/W cause of action, what event starts limitation, acknowledgment/payment changes it, and judgment status alters enforcement? |\n| EW-F05 — Credit reporting. Provider must warn of credit-file consequences, but reporting framework not researched. | excluded_with_reason | C_EW-P01-C027 | What UK GDPR/data accuracy, credit-reference agency, defaults, corrections, durations and challenges apply? |\n| EW-F06 — Courts, procedure and service. Provider must warn legal action may continue. | excluded_with_reason | C_EW-P01-C027, C_EW-P01-C057 | Which courts, claim forms, service rules, admissions, default judgment procedures and defenses govern particular debts? |\n| EW-F07 — Judgments and post-judgment enforcement. No judgment voiding inferred from provider misconduct. | excluded_with_reason | C_EW-P01-C022, C_EW-P01-C057 | What attachment of earnings, charging order, warrant/writ, third-party debt order and debtor-examination rules apply? |\n| EW-F08 — Garnishment/attachment and exemptions. Not researched. | excluded_with_reason | — | Which earnings, benefits, bank funds and assets are protected, and by what procedure? Use local UK terminology rather than US imports. |\n| EW-F09 — Secured debts, homes and repossession. Advisers must warn about home loss; substantive property enforcement held. | excluded_with_reason | C_EW-P01-C027 | How do mortgage arrears, secured loans, guarantees, tenancy and repossession interact with debt relief and priorities? |\n| EW-F10 — Support obligations, fines, taxes and public debts. Priority warnings established; remedies not. | excluded_with_reason | C_EW-P01-C027 | Map child maintenance, council tax, HMRC debts, criminal fines, benefits overpayments and utilities by enforcement/protection. |\n| EW-F11 — Priority-of-payment analysis. Provider warnings required; comprehensive hierarchy absent. | excluded_with_reason | C_EW-P01-C026, C_EW-P01-C027 | Build a source-backed decision tree identifying immediate loss-of-home, liberty, utility and enforcement risks before unsecured offers. |\n| EW-F12 — Full free assistance and repayment alternatives. MoneyHelper referral identified, services not exhaustively inventoried. | excluded_with_reason | C_EW-P01-C025, C_EW-P01-C026 | Determine independent adviser availability, direct creditor hardship negotiation, grants and structured repayment options by region. |\n| EW-F13 — IVA eligibility, process, forms and votes. Gateway only. | excluded_with_reason | C_EW-P01-C058 | Read Insolvency Act/Rules and IP practice requirements, creditor voting and variations, court and cost branches. |\n| EW-F14 — DRO eligibility, process, forms and costs. Gateway only. | excluded_with_reason | C_EW-P01-C059 | Verify live thresholds, intermediaries, exclusions, application method, fees and discharge. |\n| EW-F15 — Bankruptcy eligibility, procedure, costs and asset treatment. Gateway only. | excluded_with_reason | C_EW-P01-C060 | Map application, official receiver, trustees, income-payment arrangements, protected assets and non-dischargeable claims. |\n| EW-F16 — Breathing-space full eligibility and operation. Official summary read; statute failed. | excluded_with_reason | C_EW-P01-C061 | Read all relevant 2020 regulations and amendments, notice/entry/excluded debts, creditor restrictions, review and ending triggers. |\n| EW-F17 — Debt relief and tax. Not researched. | excluded_with_reason | — | What UK tax consequences, if any, follow debt compromise, forgiveness, insolvency and business debts? |\n| EW-F18 — Moving abroad (A098). Only provider regulatory nexus touched. | excluded_with_reason | C_EW-P01-C009, C_EW-P01-C010 | How do move timing, domicile/habitual residence and collection forum affect creditor/provider obligations? |\n| EW-F19 — Foreign creditor/foreign contract (A098). No governing-law outcome reached. | excluded_with_reason | C_EW-P01-C009, C_EW-P01-C010 | Which debt terms, foreign consumer laws and creditor capacity govern negotiation or discharge? |\n| EW-F20 — Currency and foreign-exchange payments (A098). Not researched. | excluded_with_reason | — | Who bears conversion, receipt shortfall, payment fees and exchange-rate risk under actual contract/law? |\n| EW-F21 — Choice of law and jurisdiction (A098). Territorial FCA scope is not a choice-of-law answer. | excluded_with_reason | C_EW-P01-C009 | What law/forum terms are enforceable against consumers, with mandatory protections? |\n| EW-F22 — Cross-border judgments and recognition (A098). Not researched. | excluded_with_reason | — | When can a foreign judgment be recognised/enforced in E/W, or an E/W judgment abroad, under applicable regimes? |\n| EW-F23 — Foreign assets, security and enforcement (A098). Not researched. | excluded_with_reason | — | Which situs, tracing, attachment and insolvency-recognition rules govern particular assets? |\n| EW-F24 — Full creditor assent/release terms. DMP non-binding gateway answered; contract-specific settlement law deferred. | excluded_with_reason | C_EW-P01-C057 | What writing, consideration, release language, joint-debtor/guarantor effects and security formalities establish discharge? |\n| EW-F25 — Full debt-agency licensing matrix beyond this provider component. Only selected actors and exceptions assessed. | excluded_with_reason | C_EW-P01-C007, C_EW-P01-C018 | Catalogue distinct debt collecting, credit servicing, insolvency, payment-services and claims-management requirements independently. |\n\nCoverage reconciliation: This pass answers bounded FCA conduct, fee, record and safeguarding questions, but does not close the statutory authorisation perimeter or any of the deferred parent modules. The distinct Scotland and Northern Ireland rows are explicit non-coverage, and neither is inferred from England/Wales findings.\n\n## 6. Research audit, unresolved questions and publication holds\n\n### 6.1 Retrieval and evidence log\n\n| Research channel | Searches or reading performed | Evidentiary result and boundary |\n| --- | --- | --- |\n| FCA Handbook — perimeter | PERG 2.2–2.11, PERG 17, relevant Glossary, CONC 1.2 and SUP 12. One recorded query: `site:handbook.fca.org.uk/handbook/perg17 debt adjusting debt counselling article 39D 39E` | Interpretive FCA guidance and selected Handbook rules actually opened. FCA's account of RAO provisions is not counted as independent reading of those statutory articles. |\n| FCA Handbook — consumer duties | CONC 3.3, 3.9, 8.1–8.9, 10, 11, Schedule 5. Recorded query: `site:handbook.fca.org.uk/handbook/conc8/conc8s7 CONC 8.7.2R fees debt management` | Operative Handbook rules opened, including exact `R`/`G` labels and several current 2026 updates. Application is limited by each rule's terms. |\n| FCA Handbook — funds and redress | CASS 11.1–11.13 and Schedule 5; DISP 1, 2.3, 2.7, 2.8; COMP 3.2, 4.2, 5.8 and 10.2 | Opened binding rules on client money, complaint routes and protected shortfalls. No actual account reconciliation, respondent or claim eligibility was tested. |\n| FCA and FSCS public guidance | FCA debt permissions, motor dealers, public Register/checking guidance, FSCS debt-management page | Official consumer and firm explanations opened. No named firm, individual, licence or financial account searched. |\n| FOS published decisions | Two bounded publicly published debt-management decisions, S057–S058 | Original two- and seven-page PDFs read. Single-ombudsman decisions, not panel-majority holdings, statutory precedents or a comprehensive body of decisions. No independent citator, implementation or consumer acceptance record. |\n| GOV.UK and Insolvency Service | DMP, IVA, DRO, bankruptcy, breathing-space creditor/adviser guidance. Recorded query: `site:gov.uk debt respite scheme breathing space guidance England Wales money advisers` | Official descriptions read for narrow mechanism differentiation; comprehensive statutory insolvency law and remedies remain deferred. |\n| Legislation.gov.uk | Recorded query: `site:legislation.gov.uk/uksi/2001/544/article/39D debt adjusting`; S001/S002/S065 attempted and S066 official alternative attempted | Operative body retrieval failed. Search-index extracts displayed references to relevant provisions and amendment annotations but were treated as discovery only. No further repeated fetch or access-control workaround. |\n| Private documents and external actions | None | No actual provider contract, customer balance, ledger, creditor agreement, application, complaint, registration, named-case lookup, contact, purchase, court filing, account or local file created or obtained. |\n\nThis is the bounded search/read record of this pass, not a claim that the listed repositories were exhaustively searched.\n\n### 6.2 Important source-version checkpoints\n\nThe following dates were observed on individual Handbook provisions, which is materially different from treating a website's page-update date as legal commencement:\n\n| Provision | Displayed operative/provision date | Why it matters |\n| --- | --- | --- |\n| CONC 8.2.4R | 26 November 2021 | MoneyHelper first-contact/website signposting. |\n| CONC 8.3.9R–8.3.16R | 2 June 2023 for the specified debt-packager rules | Referral-payment prohibition has a specific scope and accrued-right qualification. |\n| CONC 8.3.10G | 26 June 2026 | Updated interpretive guidance; distinct from original prohibition commencement. |\n| CONC 8.3.4R / 8.3.4AR | 1 April 2014 / 28 September 2015 | Durable advice requirement versus precisely conditioned no-contract exception. |\n| CONC 8.7.2R–8.7.4R | 1 April 2014 | Fee priority, FCA guidance distinction and remedial fee refunds. |\n| CONC 8.7.6R | 1 October 2015 | Specific prohibited charging/payment practices. |\n| CONC 11.1.1R | 2 January 2015 | Qualifying distance-contract cancellation. |\n| CONC 11.1.2AG | 15 July 2026 | Later deferred-payment-credit explanation; not a rewrite of every debt-service contract. |\n| CASS 11.2.4R | 7 May 2025 | Firm classification notification particulars differ from original 2014 rules. |\n| CASS 11.10.1R–11.10.7G | 1 April 2014 | Binding creditor-payment duties alongside non-binding five-business-day guidance. |\n| COMP 4.2.1R–4.2.2R | 17 March 2026 | Current FSCS claimant eligibility wording, including debt-management natural-person rule. |\n| COMP 5.8.1R | 1 April 2018 | Protected debt-management business defined by client-money shortfall. |\n| COMP 10.2.3R | 29 July 2022 displayed | Protected debt-management compensation entry remains £85,000 in the page read. |\n\nThese checkpoints are not an independently verified change history for all provisions. The current consolidated RAO, FSMA and breathing-space instruments, and any related transitional or future-effective amendments, still require operative-text verification.\n\n### 6.3 Researcher self-check\n\n| Test | Outcome |\n| --- | --- |\n| Did the pass distinguish permission to carry on an activity from FCA registration, charitable status and professional status? | Yes, with statutory confirmation held — C011–C020. |\n| Did it distinguish debt-adjusting, counselling, collecting, insolvency work and payment distribution? | Yes at FCA-guidance level — C003–C007, C016–C018; statutory and payment-services interfaces remain partial. |\n| Did it avoid treating all debts, business borrowers and UK nations alike? | Yes — C001–C002, C009–C010, C026, C058–C061, EW-E07–E11. |\n| Did it identify binding rules versus guidance, particularly on DMP fee allocations and creditor payment timing? | Yes — C031–C032 and C045. |\n| Did it establish a universal fee cap or compulsory settlement percentage? | No such claim made. Actual rules provide suitability, disclosure, timing/allocation, unfair-charge and refund tests, not a general fee formula. |\n| Did it test cancellation charge predicates and separate dispatch/receipt clocks? | Yes — C036–C038 and Scenario 4. No calendar deadline invented. |\n| Did it separate firm money, client money, pooling, FOS and FSCS? | Yes — C039–C054 and Scenarios 4–6, subject to actual factual entitlements. |\n| Did it treat individual FOS awards as universally binding? | No — C055–C056; posture and limited evidence specified. |\n| Are exact primary statute provisions, exceptions, currency and transitional effects all independently verified? | No — material hold. S001/S002/S065/S066 failed to supply operative text. |\n| Were named providers or private consumers investigated? | No. Only public reference documents and bounded published general decisions. |\n| Are the source, atomic-claim and coverage registers visible and sequential? | Yes: S001–S066; C001–C061; EW-A01–A19, B01–B15, C01–C23, D01–D19, E01–E13 and F01–F25. |\n| Does this self-check constitute independent review or acceptance? | No. It is a researcher-generated reconciliation; a coordinator must independently reopen consequential sources and check the examples. |\n\n### 6.4 Material questions for the next focused provider pass\n\n1. Operative RAO/FSMA verification: What do the complete current text and amendment notes of RAO arts 39D, 39E, 39H–39K, 60B, 60N, 62 and FSMA ss 19, 23, 26–28, 138D, 327, 418 say on the required October 2026 dates? Which historical, prospective or transitional provisions alter any conclusion? This is the highest-priority legal hold.\n\n2. Not-for-profit and professional branches: What exact statutory treatment applies to each exempt person, designated profession and nonprofit body—including the specific role of RAO art 62—and how do creditor payment, insurer/security and other permissions intersect?\n\n3. Remote supply: When advice originates outside the UK, which precise acts constitute carrying on a regulated activity in the UK, and when is CONC 1.2.5R applicable? The separate A098 conflicts, foreign creditor and judgment questions must not be collapsed into this answer.\n\n4. Payment platforms: When the adviser directs funds to an outsourced processor or creditor payment distributor, who holds legal and beneficial control, and which CASS, payment-services or other safeguarding regime actually applies?\n\n5. Client-money failure: How are receipts, fees properly due, unallocated balances, interest, bank shortfalls and priority claims treated under the complete CASS distribution framework and actual insolvency administration?\n\n6. Professional indemnity and fees: For each specific authorisation route, what are the actual FCA FEES, resource, professional-indemnity or professional-body financial requirements? Are any thresholds permission conditions rather than universal legislation?\n\n7. Breathing-space enactment: How does SI 2020/1311, as actually amended/current, define adviser, resident, qualifying debt, excluded debt, creditor restriction, review, end and mental-health-crisis protections? Published guidance alone cannot close that question.\n\n8. Judicial treatment: Are there appellate or binding decisions interpreting the relevant debt-adjusting perimeter, professional exclusions, CASS private action, or non-statutory-plan representations? This pass did not conduct an exhaustive case-law search or negative citator.\n\n### 6.5 Evidence-grounded content and tool opportunities\n\nThese are potential SettleADebt editorial resources, not products or tools built or published:\n\n| Opportunity | What the evidence can responsibly power now | Gate before publication |\n| --- | --- | --- |\n| “Does this debt-advice firm need FCA permission?” | Activity-first educational decision tree: general information versus individual advice/negotiation, debtor form, business test, claimed exemption, permissions versus registration. | Operative RAO/FSMA text and exclusions must be independently verified. Do not label a specific firm legal/illegal without evidence. |\n| “How to verify a UK debt-management provider” | Checklist for FCA Register status, exact permitted activities, principal/AR relationship, trading identity, fee documentation and client-money disclosures. | Use only official public lookup instructions; actual firm results would require separate authorisation. |\n| DMP fee/repayment allocation explainer | Show how money received splits into actual fees and creditor repayments and why first-month repayment and continuing affordability matter. | No assumed universal fee cap, accepted offer, interest freeze or payment forecast. |\n| Annotated consumer debt-solution agreement | Tag services, duration, fee formula, cancellation clauses, creditor payment schedule, refund events, client-money terms and prohibited liability/no-refund wording against CONC pinpoints. | A generic checklist only until an actual permissible document is obtained; avoid invented contractual clauses presented as standard. |\n| Client-money accountability worksheet | Track date, type and cleared status of receipt; client/firm portions; creditor instruction, distribution, delay reason and return. | CASS rules, business-day definitions and contract holding exceptions independently checked for live use. |\n| DMP versus IVA/DRO/breathing-space comparison | Explain voluntary creditor assent versus formally entered statutory processes, appropriate professionals and evidence of entry. | Full eligibility, legal effects, current cost/threshold and local E/W detail need their own passes. |\n| Complaint versus compensation route guide | Distinguish provider internal complaint, possible FOS route, FCA supervision, litigation and FSCS protected client-money shortfall. | Jurisdiction/claimant/default/date and actual loss facts must always be gated; never promise an award. |\n\n### 6.6 Publication and operational holds\n\nNot cleared for consequential legal-rule publication or provider-operating instructions\n\nThis research can support internal taxonomy, evidence collection and carefully qualified educational drafting. It should not yet be used to assert a fully verified 2026 statutory licensing perimeter, a specific exemption, binding foreign-nexus conclusion, all applicable professional/security requirements, or a final compensation entitlement.\n\nSpecifically:\n\n- A097/A098 acceptance is held. Neither the full England/Wales provider component nor the wider UK/country and cross-border programme is accepted by this researcher self-check.\n- All parent coverage remains open. The deferred modules and Scotland/Northern Ireland require independent focused work.\n- No provider, creditor or individual is judged compliant or noncompliant by this pass.\n- No universal fee percentage, debt-reduction result, creditor agreement, interest freeze, moratorium, tax outcome, credit-file result or recovery of client money is promised.\n- A provider breach does not by itself extinguish a separate creditor’s claim, security interest or judgment. A particular private remedy requires its own applicable authority and facts.\n- A coordinator must independently reopen the consequential enactments and Handbook provisions, check effective dates and exceptions, verify published-decision posture, recompute the hypothetical arithmetic and reconcile these coverage rows before acceptance or publication.\n\nFinal disposition: Substantial FCA Handbook/provider-duty research and the requested visible registers are complete for this focused pass. The controlling statutory-text failures and explicitly identified subissues remain open. No filing, provider lookup, regulated advice, publication or external action occurred.\n\nEND C_EW PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Activity","Operative classification and boundary"],["Debt adjusting","Negotiating discharge terms with a lender or owner for the borrower or hirer; taking over the customer's discharge obligation in return for payments; or similar debt-liquidation activities, where the debt arises under a credit or consumer-hire agreement. FCA PERG 2.7.8BG(1)–(3). [C003]"],["Debt counselling","Advising a borrower or hirer about liquidating debt arising under a credit or consumer-hire agreement. Advice encompasses potential methods such as repayment, rescheduling, compromise and certain insolvency solutions; it is not restricted to overdue debt. PERG 2.7.8CG; PERG 17.2–17.3. [C004–C005]"],["Generic publishing or neutral information","A general article, impartial explanation or genuinely neutral decision tree need not be regulated debt counselling. A recommendation based on someone's particular debt and circumstances can cross the boundary, including through a website. PERG 17.4–17.5. [C006]"],["Debt collecting or administration","A collector taking steps to procure payment, or an administrator acting for the lender, falls under distinct activities (RAO articles 39F and 39G). These permissions do not by themselves establish authority to advise or negotiate for the debtor. PERG 2.7.8DG–EG. [C007]"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or asserted route","Supported result","Predicate or adverse branch"],["Commercial debt negotiator or DMP operator","Ordinarily assess debt-adjusting and/or debt-counselling permissions, potentially alongside client-money obligations. [C003–C004, C011]","A firm's general FCA authorisation is insufficient if its particular permission excludes the proposed service."],["Full-permission firm","Can provide activities covered by its actual Part 4A permission, subject to any restrictions. [C011–C012]","“Full permission” is not permission for every financial service or every debt-management model."],["Limited-permission firm","Certain incidental activities, including particular vehicle-finance or goods-settlement work, may qualify. [C012]","A vehicle-dealer's limited authority does not become unrestricted authority to operate DMPs. The FCA separately identifies “no debt management plans” limitations."],["Appointed representative (AR)","Debt adjusting and counselling are among activities available through the AR framework, with a written principal agreement and responsibility, within the principal's scope. [C013]","Check principal, activity, appointment and restrictions. A limited-permission firm can have a special AR branch; an introducer-only appointment is not automatically a counselling appointment."],["Not-for-profit body or financial counsellor","Free provision and charitable status are not blanket exemptions. The business test and precise permission/exemption remain relevant. [C008, C014]","An infrequent activity may fall outside the special not-for-profit business deeming rule; “occasional” requires evidence."],["Solicitor, barrister or other professional","Specific litigation/advocacy activity exclusions and FSMA Part XX professional-firm arrangements may apply. [C015]","Professional title alone is insufficient. Incidental professional service, designated-body oversight, remuneration and relevant limits must be checked."],["Insolvency practitioner","Acting as an insolvency practitioner, or in reasonable contemplation of appointment, has a specific exclusion from debt adjusting/counselling. [C016]","General commercial debt negotiation outside that capacity is not automatically covered by the exclusion. FCA permission is distinct from insolvency-practitioner authorisation."],["Original creditor, owner or qualifying connected supplier","RAO article 39H exclusions, described in PERG 2.8.7CG(1), apply to specified activities connected to their own agreements. [C017]","Does not exempt an unrelated paid negotiator acting for the borrower. Other lender/collector rules may still govern the creditor."],["Debt collector, tracing agent or payment distributor","Requires a function-by-function analysis. Collection, administration, tracing and payment services are not synonyms for debtor-side counselling. [C007, C018]","Separate payment-services obligations and non-FCA money-handling arrangements were not comprehensively determined in this pass."],["Enterprise scheme","A narrow exemption described in PERG 2.11.5G requires the relevant enterprise scheme and absence of direct or indirect pecuniary gain; reasonable cost reimbursement is specifically treated differently. [C019]","Not a generic exemption for any nonprofit charging “cost-recovery fees.”"],["Local authority","Specific statutory exclusions may apply. Local authorities providing resident debt advice can also initiate England/Wales breathing space under that separate scheme. [C020]","Public-body status cannot be borrowed by a private contractor."]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Stage","Binding requirements or qualified guidance","Consumer evidence to retain"],["Advertising and first contact","Communications must be clear, fair and not misleading. CONC 3.9.3R requires relevant service, fee-calculation, affiliations, risk, credit-file, alternatives and certain compensation information. CONC 3.9.5R–3.9.7R prohibit specified false claims of government/free status, guaranteed negotiation results and deceptive lookalike sites. Debt-management firms must signpost MoneyHelper and free services at first contact and online. [C024–C025]","Actual advert and landing-page capture, call recording or notes, initial emails, claimed affiliations and fee quotation"],["Assessment and advice","CONC 8.3.2R and 8.3.7R require suitably individualised assessment of finances and circumstances, customer interests, reasons for proposed options and impartial information about solutions available in the relevant UK country. [C026]","Income/expenditure assessment, all debts, assets, essential obligations, prior failed plans, advice rationale"],["Written advice","CONC 8.3.4R calls for durable-medium advice on included/excluded debts, benefits and risks, priority liabilities and legal recovery risks. There is a narrow CONC 8.3.4AR exception to the durable-medium element where no contract is reasonably expected, with recorded grounds; it is not a waiver of substantive suitability duties. [C027]","Dated advice, excluded-debt schedule, creditor and insolvency warnings"],["Contract","CONC 8.4.1R–8.4.3R require a written services contract identifying solution, length, fee or calculation, cancellation and refund terms, and prohibit certain no-liability, never-refund or lender-contact restrictions. [C028]","Signed or supplied full terms and later variations"],["Repayment proposal","CONC 8.5.1R requires an accurate and realistic financial statement, customer confirmation and consent before sending to creditors, fee disclosure and a copy to the customer. Essential household and priority obligations must be considered. [C029]","Confirmed budget, statement actually sent, creditors' responses"],["Execution and review","CONC 8.2.6R requires notice to lenders of planned payment withholding. CONC 8.6 and 8.8 govern suitability, changes, communications, monitoring and review. A creditor's refusal to freeze interest or accept reduced payments cannot be represented as consent. [C030]","Creditor acceptance/refusal, distribution ledger, account statements, periodic reviews"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Path","Relevant condition and possible outcome"],["FCA supervision/enforcement","Authorisation or conduct breach can prompt regulatory action; this does not by itself adjudicate an individual's contractual damages claim. [C022]"],["Private action","CONC Sch 5 identifies CONC rules potentially actionable by a qualifying private person under FSMA s138D, generally excluding CONC 10; CASS Sch 5, as updated September 2026, also identifies relevant CASS rules. Liability, loss, causation and statutory conditions still require proof. Some rules expressly remove the action. [C049]"],["Financial Ombudsman Service","For a qualifying firm activity and eligible complainant, firm complaint-handling under DISP usually has an eight-week response branch; DISP 2.8 then supplies referral and long-stop rules with stated exceptions. It is not automatically available for purely unregulated conduct by an unauthorised operator. [C050–C051]"],["FSCS debt-management protection","Under COMP 5.8.1R, the protected category is a client-money shortfall relating to qualifying debt-management activity carried out from a UK establishment; COMP 3.2 and 4.2 impose further default/claimant tests. For qualifying failures since 1 April 2019, the applicable published debt-management maximum is £85,000 per eligible natural person per firm, at 100% of the protected claim up to the cap. Earlier failures have a different historical ceiling. It does not generally cover every faulty debt-advice recommendation or an IVA fee. [C052–C054]"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Route","Who or what makes it effective?","Protection and boundary"],["Private full-and-final settlement","Each relevant creditor's voluntary, adequately documented assent to the proposed discharge. [C057]","No automatic moratorium, discount, security release or binding effect on non-assenting creditors. Written creditor terms and payment conditions are indispensable."],["Debt Management Plan (DMP)","A voluntary repayment proposal administered personally or by a firm, with creditors approached for agreement. [C057]","Creditors need not accept; absent an applicable agreement or separate statutory protection, enforcement and interest may continue. Not an IVA."],["Individual Voluntary Arrangement (IVA)","A separate insolvency arrangement supervised through an insolvency practitioner. Official guidance describes the relevant creditor-approval mechanism and binding effects. [C058]","Statutory process, approval and consequences—not created by signing a commercial “debt settlement” contract. Complete eligibility/process review deferred."],["Debt Relief Order (DRO)","Statutory insolvency order accessed through an approved debt adviser, subject to detailed England/Wales eligibility. [C059]","Not a privately negotiated lump-sum settlement. Comprehensive financial thresholds and exclusions deferred."],["Bankruptcy","Formal insolvency process with separate rules for assets, debts, restrictions and discharge. [C060]","Outside the authority of an ordinary DMP company merely operating a payment plan."],["Breathing Space","Under the Debt Respite Scheme Regulations 2020 (England and Wales), entered through an eligible debt adviser/local authority with qualifying debt and debtor conditions. [C061]","Temporary statutory creditor restrictions; standard breathing space ordinarily lasts up to 60 days, with a separate mental-health-crisis branch. It does not itself settle or discharge the debt. Private DMP enrolment alone does not create it."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Calculation","Hypothetical result"],["Total contracted service","4 components × £60","£240"],["Actual qualifying work","1 component × £60","£60"],["Unperformed contracted work","3 components × £60","£180"],["Service fee already paid","Given","£120"],["Potential charge retained, assuming all CONC 11.1.11R predicates","Lesser of £60 actually provided and applicable proportionate maximum","£60"],["Fee refund","£120 − £60","£60"],["Undistributed creditor money to return","Given","£780"],["Total cash returned","£60 + £780","£840"],["Original cash outflow","£120 + £780","£900"],["Consumer’s net expenditure on qualifying work","£900 − £840","£60"],["Illustrative outstanding creditor principal before and after, with no payment/settlement and no intervening accrual","£5,500 − £0","£5,500"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Item","Calculation","Hypothetical result"],["Consumer’s total payment","£180 + £1,200","£1,380"],["Fee relating to established inappropriate advice","£180","£180"],["Fee to refund or credit under CONC 8.7.4R(3)","£180 − £0 retained for that advice","£180"],["Client funds still awaiting creditor distribution","£1,200 − £0 distributed","£1,200"],["Total cash/credit restored, assuming funds available","£180 + £1,200","£1,380"],["Creditor principal reduction","£0 accepted or paid","£0"],["Hypothetical remaining debt","£5,000 − £0","£5,000"]]},{"headers":[],"index":7,"links":[{"href":"https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false&utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s6"},{"href":"https://handbook.fca.org.uk/glossary/G3173?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/glossary/G3173"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s7?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s7"},{"href":"https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg17"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s3"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s8"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s9"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s10"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s11?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s11"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true"},{"href":"https://handbook.fca.org.uk/handbook/conc1/conc1s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc1/conc1s2"},{"href":"https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true"},{"href":"https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/limitations-debt-permissions"},{"href":"https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers"},{"href":"https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/financial-services-register"},{"href":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com","text":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s2"}],"row_links":[[],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false&utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s6"}],[{"href":"https://handbook.fca.org.uk/glossary/G3173?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/glossary/G3173"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s7?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s7"}],[{"href":"https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg17"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s3"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s8"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s9"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s10"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s11?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s11"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true"}],[{"href":"https://handbook.fca.org.uk/handbook/conc1/conc1s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc1/conc1s2"}],[{"href":"https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true"}],[{"href":"https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/limitations-debt-permissions"}],[{"href":"https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers"}],[{"href":"https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/financial-services-register"}],[{"href":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com","text":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s2"}]],"rows":[["Source","Issuer, title and full direct URL","Actually read: pinpoint, nature, currency, relevant limits"],["C_EW-P01-S001","UK legislation.gov.uk, Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, SI 2001/544. https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false","Failed to retrieve operative body of the requested dated consolidation. RAO arts 39D, 39E, 39H–39K, 60B and 60N identified through FCA interpretation, not independently read here. Effective-status verification held. Access 26 Oct 2026."],["C_EW-P01-S002","UK legislation.gov.uk, Financial Services and Markets Act 2000, s 19. https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01","Failed to retrieve operative statutory body. Do not treat FCA PERG's description of the general prohibition as an independent reading of FSMA s 19 or adjacent exceptions. Access 26 Oct 2026."],["C_EW-P01-S003","FCA, PERG 2.6 — Specified investments. https://handbook.fca.org.uk/handbook/perg2/perg2s6","Opened, G, PERG 2.6.30G–2.6.31G explaining RAO 60B credit agreements and 60N consumer hire. Live Handbook display; individual provision dates govern; definition depends on underlying RAO text. UK perimeter, not an E/W insolvency rule. Access 26 Oct 2026."],["C_EW-P01-S004","FCA, Glossary — individual. https://handbook.fca.org.uk/glossary/G3173","Opened, Glossary entry including natural persons, relevant partnerships and unincorporated bodies. Handbook terminology; not proof that all corporate/business contracts qualify. Access 26 Oct 2026."],["C_EW-P01-S005","FCA, PERG 2.7 — Activities. https://handbook.fca.org.uk/handbook/perg2/perg2s7","Opened, G, PERG 2.7.8BG–2.7.8EG describing debt adjusting, debt counselling and adjacent debt collecting/administering activities by reference to RAO 39D/39E. Classification guidance; controlling article text unavailable at S001. Access 26 Oct 2026."],["C_EW-P01-S006","FCA, PERG 17 — Consumer credit debt-related regulated activities. https://handbook.fca.org.uk/handbook/perg17","Opened, G, PERG 17.2 Q2.1; 17.3 Q3.1–Q3.3; related 17.4–17.7 answers on personalised advice, liquidation, negotiating and distinctions. UK consumer-credit interpretive perimeter; facts and exceptions matter. Access 26 Oct 2026."],["C_EW-P01-S007","FCA, PERG 2.3 — The business test. https://handbook.fca.org.uk/handbook/perg2/perg2s3","Opened, G, PERG 2.3.2G(3B), 2.3.3G: special by-way-of-business issues for credit activities, including relevant non-profit provision; no universal paid-only shortcut. Access 26 Oct 2026."],["C_EW-P01-S008","FCA, PERG 2.8 — Exclusions applicable to particular regulated activities. https://handbook.fca.org.uk/handbook/perg2/perg2s8","Opened, G, PERG 2.8.7CG, notably its separately numbered branches, interpreting specified debt-activity exclusions associated with RAO 39H–39K. Connected-creditor, supplier and professional facts must be established; RAO itself not read. Access 26 Oct 2026."],["C_EW-P01-S009","FCA, PERG 2.9 — Regulated activities: exclusions applicable to several specified kinds of activity. https://handbook.fca.org.uk/handbook/perg2/perg2s9","Opened, G, PERG 2.9.25G–2.9.27G on insolvency-practitioner situations and PERG 2.9.15G on overseas-related exclusions. Not a general “all insolvency/overseas activity exempt” finding. Access 26 Oct 2026."],["C_EW-P01-S010","FCA, PERG 2.10 — Persons carrying on regulated activities who do not need authorisation. https://handbook.fca.org.uk/handbook/perg2/perg2s10","Opened, G, PERG 2.10.12G–2.10.16G on members of designated professional bodies and FSMA s 327 conditions; no blanket lawyer/accountant privilege. Access 26 Oct 2026."],["C_EW-P01-S011","FCA, PERG 2.11 — Exempt persons and other exemptions. https://handbook.fca.org.uk/handbook/perg2/perg2s11","Opened, G, PERG 2.11.2G, 2.11.4G–2.11.5G concerning specified official functions, tracing and enterprise-scheme boundaries. No blanket nonprofit exclusion inferred. Access 26 Oct 2026."],["C_EW-P01-S012","FCA, PERG 2.4 — Link between activities and the United Kingdom. https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true","Opened, G, PERG 2.4.2G–2.4.5G on territorial application and overseas considerations. Does not settle a disputed remote-specific s 19/s 418 FSMA issue without operative statutes and facts. Access 26 Oct 2026."],["C_EW-P01-S013","FCA, CONC 1.2 — Who? What? Where?. https://handbook.fca.org.uk/handbook/conc1/conc1s2","Opened, R/G, CONC 1.2.3G; 1.2.5R relating to firms conducting relevant credit activity from outside UK establishments with a UK-habitually-resident customer; 1.2.7G land security. Handbook application does not alone prove s 19 authorisation nexus. Access 26 Oct 2026."],["C_EW-P01-S014","FCA, SUP 12 — Appointed representatives. https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true","Opened, R/G, SUP 12.2.2G–12.2.7G and 12.4.1AG, applicable specified activity, written principal arrangement, responsibility and limitations. Dated view 6 Aug 2026, not claimed to independently prove all 26 Oct changes. Access 26 Oct 2026."],["C_EW-P01-S015","FCA, Limitations of debt permissions. https://www.fca.org.uk/firms/limitations-debt-permissions","Opened, Official FCA authorisation explanation, distinctions between specified limited permissions and broader debt-management work. Permission scope must be read from the firm’s own record, not this generic page. Access 26 Oct 2026."],["C_EW-P01-S016","FCA, Consumer credit brokers — motor dealers. https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers","Opened, Official, restricted motor-trade credit permissions and potentially full-permission activities. Industry example, not proof that all debt advisers require the same category. Access 26 Oct 2026."],["C_EW-P01-S017","FCA, Financial Services Register. https://www.fca.org.uk/firms/financial-services-register","Opened, Official; register features, firm identity/status/permissions and historical records. Page update displayed 13 Feb 2026, not a legal commencement date. No named lookup performed. Access 26 Oct 2026."],["C_EW-P01-S018","FCA, How to check a firm or individual is authorised. https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","Opened, Official; checking permission and contact identity, authorised versus registered distinctions and clone-risk advice. Page update displayed 22 Sep 2026. No named lookup performed. Access 26 Oct 2026."],["C_EW-P01-S019","FCA, PERG 2.2 — Authorisation and exempt persons. https://handbook.fca.org.uk/handbook/perg2/perg2s2","Opened, G, PERG 2.2.1G–2.2.1AG concerning general prohibition, regulatory offences and restrictions on enforceability. Consequences remain subject to statute, facts and statutory protections; debt to original creditor not thereby cancelled. Access 26 Oct 2026."]]},{"headers":[],"index":8,"links":[{"href":"https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s2"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s3"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s4?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s4"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s5"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s6"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s7?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s7"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true"},{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s9"},{"href":"https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true"},{"href":"https://handbook.fca.org.uk/handbook/conc3/conc3s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc3/conc3s9"},{"href":"https://handbook.fca.org.uk/handbook/conc2/conc2s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc2/conc2s6"},{"href":"https://handbook.fca.org.uk/handbook/conc11?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc11"},{"href":"https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc10"},{"href":"https://handbook.fca.org.uk/handbook/concsch5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/concsch5"}],"row_links":[[],[{"href":"https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s2"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s3"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s4?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s4"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s5"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s6"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s7?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s7"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8/conc8s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8/conc8s9"}],[{"href":"https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true"}],[{"href":"https://handbook.fca.org.uk/handbook/conc3/conc3s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc3/conc3s9"}],[{"href":"https://handbook.fca.org.uk/handbook/conc2/conc2s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc2/conc2s6"}],[{"href":"https://handbook.fca.org.uk/handbook/conc11?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc11"}],[{"href":"https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc10"}],[{"href":"https://handbook.fca.org.uk/handbook/concsch5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/concsch5"}]],"rows":[["Source","Issuer, title and full direct URL","Actually read: pinpoint, nature, currency, relevant limits"],["C_EW-P01-S020","FCA, CONC 8 — Debt advice. https://handbook.fca.org.uk/handbook/conc8","Opened, R/G, CONC 8.1.1R and 8.1.4G: relevant firms and relevant debt-advice activities, including qualifying advice about liquidation of certain debts notwithstanding underlying credit-regulation nuances. Chapter shown updated 31 Jul 2026; individual rule dating separately applies. Access 26 Oct 2026."],["C_EW-P01-S021","FCA, CONC 8.2 — Debt advice and debt management services. https://handbook.fca.org.uk/handbook/conc8/conc8s2","Opened, R/G, including CONC 8.2.4R free-advice signposting and related transparency, service, vulnerability and client-interest requirements. Not an obligation to use any named charity. Access 26 Oct 2026."],["C_EW-P01-S022","FCA, CONC 8.3 — Pre-contract information and advice requirements. https://handbook.fca.org.uk/handbook/conc8/conc8s3","Opened, R/G, CONC 8.3.1R, 8.3.2R, 8.3.4R–8.3.4AR, 8.3.7R, 8.3.9R–8.3.16R. First-enquiry durable information, individual assessment, advice, debt-packager restrictions and their qualifications. Section shown updated 26 Jun 2026; provisions have individual dates. Access 26 Oct 2026. \nhandbook.fca.org.uk"],["C_EW-P01-S023","FCA, CONC 8.4 — Debt management plans and agreements. https://handbook.fca.org.uk/handbook/conc8/conc8s4","Opened, R/G, written agreement terms, clear obligations, written contract and restrictions on contract terms. Firm/customer context; not a statutory DMP creditor stay. Access 26 Oct 2026."],["C_EW-P01-S024","FCA, CONC 8.5 — Financial statements. https://handbook.fca.org.uk/handbook/conc8/conc8s5","Opened, R/G, CONC 8.5.1R and connected requirements for income, expenditure, debt schedule and creditor distribution. Particular disclosure and consent facts remain needed. Access 26 Oct 2026."],["C_EW-P01-S025","FCA, CONC 8.6 — Debt management plans. https://handbook.fca.org.uk/handbook/conc8/conc8s6","Opened, R/G, duties around establishing appropriate arrangements and customer/creditor communication. Does not compel a creditor to waive debt or interest. Access 26 Oct 2026."],["C_EW-P01-S026","FCA, CONC 8.7 — Charging for debt counselling, debt advice and related services. https://handbook.fca.org.uk/handbook/conc8/conc8s7","Opened, R/G, 8.7.2R fee-priority/repaid-creditor requirements and qualifying full-and-final model; 8.7.3G more-than-half guidance, fee spreading; 8.7.4R(1)–(4) commissions and fee correction/refunds; 8.7.6R payment, repeat charging, switching and unfair charges. Section shown updated 26 Oct 2015; cited rule texts individually date from 2014/2015. No universal capped percentage. Access 26 Oct 2026. \nhandbook.fca.org.uk"],["C_EW-P01-S027","FCA, CONC 8.8 — Debt management plans: ongoing obligations. https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true","Opened, R/G, regular reviews, updates and statements for covered arrangements. Timeline display not a guarantee that every historical variant was checked. Access 26 Oct 2026."],["C_EW-P01-S028","FCA, CONC 8.9 — Lead generators. https://handbook.fca.org.uk/handbook/conc8/conc8s9","Opened, R/G, marketing/lead-generation relationships and debt-advice boundaries. Does not itself establish whether a particular intermediary is an appointed representative. Access 26 Oct 2026."],["C_EW-P01-S029","FCA, CONC 3.3 — The clear, fair and not misleading rule and general requirements. https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true","Opened, R/G, CONC 3.3.1R and accompanying advertising guidance, including misleading claims of assured reductions. Promotional-communication scope applies; contractual terms not inspected. Access 26 Oct 2026."],["C_EW-P01-S030","FCA, CONC 3.9 — Financial promotions and communications: debt counselling and related services. https://handbook.fca.org.uk/handbook/conc3/conc3s9","Opened, R/G, CONC 3.9.3R, 3.9.5R and 3.9.7R on required disclosure, risks and prohibited misleading presentation. Applicable communications and exceptions must be identified; not an exhaustive Advertising Standards Authority dossier. Access 26 Oct 2026."],["C_EW-P01-S031","FCA, CONC 2.6 — Distance marketing. https://handbook.fca.org.uk/handbook/conc2/conc2s6","Opened, R/G, distance services disclosure/cross-reference to cancellation. Applicability depends on the particular customer, contract and service; not all online messages create a cancellable distance contract. Access 26 Oct 2026."],["C_EW-P01-S032","FCA, CONC 11 — Cancellation. https://handbook.fca.org.uk/handbook/conc11","Opened, R/G, 11.1.1R–11.1.2R, 11.1.5R–11.1.14R: qualifying 14-calendar-day distance cancellation, exclusions, later information trigger, dispatch, proof for proportional service charge, firm refund and consumer return duties. Chapter shown updated 15 Jul 2026, including separate deferred-payment-credit guidance; original applicable rules have displayed dates. 30 days for firm refund runs from its receipt of cancellation; not an assumed signing date. Access 26 Oct 2026. \nCONC 11 Cancellation"],["C_EW-P01-S033","FCA, CONC 10 — Prudential requirements for debt management firms. https://handbook.fca.org.uk/handbook/conc10","Opened, R/G, 10.1.1R–10.1.2R, 10.1.6R, 10.2.5R, 10.2.8R on covered firms, financial resources, differing bases and provider capital/minimum requirements. Not a consumer advance fee or universal professional-indemnity requirement; calculations require firm-specific source predicates. Access 26 Oct 2026."],["C_EW-P01-S034","FCA, CONC Schedule 5 — Rights of action for damages. https://handbook.fca.org.uk/handbook/concsch5","Opened, Handbook schedule, schedule entries distinguishing rules potentially actionable under FSMA s 138D and exceptions, including CONC 10. A private damages claim requires additional statutory standing, breach, causation and loss; not a presumption of automatic fee restitution. Access 26 Oct 2026."]]},{"headers":[],"index":9,"links":[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s1?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s1"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s2"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s3"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s4?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s4"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s6"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s8"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s9"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s10"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s11?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s11"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s12?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s12"},{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s13?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s13"},{"href":"https://handbook.fca.org.uk/handbook/casssch5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/casssch5"},{"href":"https://handbook.fca.org.uk/handbook/disp1?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp1?timeline=true"},{"href":"https://handbook.fca.org.uk/handbook/disp2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp2"},{"href":"https://handbook.fca.org.uk/handbook/disp2/disp2s7?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp2/disp2s7"},{"href":"https://handbook.fca.org.uk/handbook/disp2/disp2s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp2/disp2s8"},{"href":"https://handbook.fca.org.uk/handbook/comp3/comp3s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp3/comp3s2"},{"href":"https://handbook.fca.org.uk/handbook/comp4/comp4s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp4/comp4s2"},{"href":"https://handbook.fca.org.uk/handbook/comp5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp5"},{"href":"https://handbook.fca.org.uk/handbook/comp10/comp10s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp10/comp10s2"},{"href":"https://www.fscs.org.uk/what-we-cover/debt-management/?utm_source=chatgpt.com","text":"https://www.fscs.org.uk/what-we-cover/debt-management/"},{"href":"https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits?utm_source=chatgpt.com","text":"https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits"},{"href":"https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf?utm_source=chatgpt.com","text":"https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf"},{"href":"https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf?utm_source=chatgpt.com","text":"https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf"}],"row_links":[[],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s1?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s1"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s2"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s3"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s4?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s4"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s6?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s6"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s8"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s9?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s9"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s10"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s11?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s11"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s12?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s12"}],[{"href":"https://handbook.fca.org.uk/handbook/cass11/cass11s13?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/cass11/cass11s13"}],[{"href":"https://handbook.fca.org.uk/handbook/casssch5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/casssch5"}],[{"href":"https://handbook.fca.org.uk/handbook/disp1?timeline=true&utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp1?timeline=true"}],[{"href":"https://handbook.fca.org.uk/handbook/disp2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp2"}],[{"href":"https://handbook.fca.org.uk/handbook/disp2/disp2s7?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp2/disp2s7"}],[{"href":"https://handbook.fca.org.uk/handbook/disp2/disp2s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/disp2/disp2s8"}],[{"href":"https://handbook.fca.org.uk/handbook/comp3/comp3s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp3/comp3s2"}],[{"href":"https://handbook.fca.org.uk/handbook/comp4/comp4s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp4/comp4s2"}],[{"href":"https://handbook.fca.org.uk/handbook/comp5?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp5"}],[{"href":"https://handbook.fca.org.uk/handbook/comp10/comp10s2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/comp10/comp10s2"}],[{"href":"https://www.fscs.org.uk/what-we-cover/debt-management/?utm_source=chatgpt.com","text":"https://www.fscs.org.uk/what-we-cover/debt-management/"}],[{"href":"https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits?utm_source=chatgpt.com","text":"https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits"}],[{"href":"https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf?utm_source=chatgpt.com","text":"https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf"}],[{"href":"https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf?utm_source=chatgpt.com","text":"https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf"}]],"rows":[["Source","Issuer, title and full direct URL","Actually read: pinpoint, nature, currency, relevant limits"],["C_EW-P01-S035","FCA, CASS 11.1 — Application. https://handbook.fca.org.uk/handbook/cass11/cass11s1","Opened, R/G, CASS 11.1.1R–11.1.6R: CASS debt-management firm and activities, small/large firm application and professional-firm qualifications. CASS client-money rules do not govern all cash held by every adviser. Access 26 Oct 2026."],["C_EW-P01-S036","FCA, CASS 11.2 — Firm classification. https://handbook.fca.org.uk/handbook/cass11/cass11s2","Opened, R/G, CASS 11.2.1R–11.2.4R: small/large distinction, £1 million relevant highest amount held in relevant prior/projected periods and connected tests. £1 million is a firm classification threshold, not deposit insurance or a consumer fee cap. Access 26 Oct 2026."],["C_EW-P01-S037","FCA, CASS 11.3 — Responsibility for CASS operational oversight. https://handbook.fca.org.uk/handbook/cass11/cass11s3","Opened, R/G, operational oversight for covered firms and relevant changed arrangements. Firm governance is distinct from a consumer’s ownership of the money. Access 26 Oct 2026."],["C_EW-P01-S038","FCA, CASS 11.4 — Meaning of client money. https://handbook.fca.org.uk/handbook/cass11/cass11s4","Opened, R/G, money received/held for debt management or creditor distribution, with cessation and properly due fee distinctions. Whether a specific remittance is client money requires its purpose and actual allocation. Access 26 Oct 2026."],["C_EW-P01-S039","FCA, CASS 11.6 — The statutory trust. https://handbook.fca.org.uk/handbook/cass11/cass11s6","Opened, R, CASS 11.6.1R on statutory trust for qualifying client money. Does not imply the entire fund remains intact if mishandled or a bank fails. Access 26 Oct 2026."],["C_EW-P01-S040","FCA, CASS 11.8 — Client bank accounts. https://handbook.fca.org.uk/handbook/cass11/cass11s8","Opened, R/G, including CASS 11.8.2R and 11.8.8R on appropriate client bank accounts, bank acknowledgment and record requirements. This is not the depositor FSCS compensation limit. Access 26 Oct 2026."],["C_EW-P01-S041","FCA, CASS 11.9 — Segregation and operation of client money accounts. https://handbook.fca.org.uk/handbook/cass11/cass11s9","Opened, R/G, segregation, treatment of cash/cheques, mixed remittances, individual allocation, withdrawals and consumer return. Conditions differ for a permitted fee versus sums designated to creditors. Access 26 Oct 2026."],["C_EW-P01-S042","FCA, CASS 11.10 — Payments to creditors. https://handbook.fca.org.uk/handbook/cass11/cass11s10","Opened, R/G, 11.10.1R–11.10.7G. Payment as soon as reasonably practicable is the rule; normally five business days is 11.10.2G FCA guidance. 11.10.3R requires all three express-term/precontract-attention/risk-explanation elements for the specified longer holding branch. 11.10.4R–11.10.6R address notifications, records and certain required financial restoration, including exceptions. Access 26 Oct 2026. \nCASS 11.10 Payments to creditors"],["C_EW-P01-S043","FCA, CASS 11.11 — Records, accounts and reconciliations. https://handbook.fca.org.uk/handbook/cass11/cass11s11","Opened, R/G, CASS 11.11 records and different reconciliation obligations for small/large firms, plus exceptions triggered by particular delayed distributions. Not a guarantee against errors or shortfall. Access 26 Oct 2026."],["C_EW-P01-S044","FCA, CASS 11.12 — Resolution pack. https://handbook.fca.org.uk/handbook/cass11/cass11s12","Opened, R/G, records/information to facilitate an insolvency resolution and reconstruction of client entitlements. Actual consumer access and liquidator processes are not determined here. Access 26 Oct 2026."],["C_EW-P01-S045","FCA, CASS 11.13 — Client money distribution on firm or approved-bank failure. https://handbook.fca.org.uk/handbook/cass11/cass11s13","Opened, R/G, 11.13 pooling, entitlement and rateable distribution in defined failure events. No universal full-recovery promise and no actual insolvency account inspected. Access 26 Oct 2026. \nhandbook.fca.org.uk"],["C_EW-P01-S046","FCA, CASS Schedule 5 — Rights of action for damages. https://handbook.fca.org.uk/handbook/casssch5","Opened, Handbook schedule, actionable-rule status and exclusions for identified CASS provisions under the FSMA private-action framework. Section display reported updated 25 Sep 2026; particular entries and standing control, not a right to automatic reimbursement for every breach. Access 26 Oct 2026."],["C_EW-P01-S047","FCA, DISP 1 — Treating complainants fairly. https://handbook.fca.org.uk/handbook/disp1?timeline=true","Opened, R/G, DISP 1.6.1R–1.6.2R and connected complaint handling: acknowledgment, investigation and usual final-response/eight-week pathway, with the relevant exceptions. The clock depends on receipt of a qualifying complaint by the respondent. Access 26 Oct 2026."],["C_EW-P01-S048","FCA, DISP 2 — Jurisdiction of the Financial Ombudsman Service. https://handbook.fca.org.uk/handbook/disp2","Opened, R/G, DISP 2.3.1R: covered respondents, activities and compulsory/voluntary jurisdiction. A regulatory complaint to FCA and an individual FOS claim are different channels. Access 26 Oct 2026."],["C_EW-P01-S049","FCA, DISP 2.7 — Eligible complainants. https://handbook.fca.org.uk/handbook/disp2/disp2s7","Opened, R/G, DISP 2.7 eligibility categories and relevant relationship tests, including consumers and qualifying organisations. Consumer status cannot be imported mechanically to every company or business borrower. Access 26 Oct 2026."],["C_EW-P01-S050","FCA, DISP 2.8 — Time limits. https://handbook.fca.org.uk/handbook/disp2/disp2s8","Opened, R/G, 2.8.1R–2.8.2R: usual prior-complaint/eight-week pathway, six-month referral from an adequate final response, and six-year event or later three-year awareness rule, with exceptions and qualifications. No computed date without complete facts. Access 26 Oct 2026."],["C_EW-P01-S051","FCA, COMP 3.2 — The qualifying conditions for compensation. https://handbook.fca.org.uk/handbook/comp3/comp3s2","Opened, R/G, COMP 3.2.1R and linked default/claim requirements. Insolvency alone does not establish a specific protected claim. Access 26 Oct 2026."],["C_EW-P01-S052","FCA, COMP 4.2 — Eligibility for FSCS. https://handbook.fca.org.uk/handbook/comp4/comp4s2","Opened, R, 4.2.1R–4.2.2R(20): in protected debt-management business, claimant must be a natural person; other exclusions and exceptions also apply. Section and cited rules displayed 17 Mar 2026. Access 26 Oct 2026. \nhandbook.fca.org.uk"],["C_EW-P01-S053","FCA, COMP 5 — Protected claims. https://handbook.fca.org.uk/handbook/comp5","Opened, R, 5.2.1R(6), 5.8.1R (5.8.1 displayed 1 Apr 2018): UK-establishment debt-management activity of a CASS debt-management firm, only so far as a claim concerns a client-money shortfall. No coverage established for mere poor debt advice or expected debt reduction. Access 26 Oct 2026. \nCOMP 5 Protected claims"],["C_EW-P01-S054","FCA, COMP 10.2 — Limits on compensation payable. https://handbook.fca.org.uk/handbook/comp10/comp10s2","Opened, R/G, 10.2.1R–10.2.3R: protected debt-management business entry provides 100% of qualifying claim, maximum £85,000; claim/category aggregation and other rules apply. Section last updated 29 Jul 2022; not the separately changed UK deposit-account limit. Access 26 Oct 2026. \nCOMP 10.2 Limits on compensation payable"],["C_EW-P01-S055","Financial Services Compensation Scheme, Debt management — What we cover. https://www.fscs.org.uk/what-we-cover/debt-management/","Opened, Official, headings “If the firm failed after 1 April 2019,” “If it failed between 1 April 2018 and 31 March 2019,” and “Limitations.” £85,000 and £50,000 corresponding limits; FCA authorisation, UK branch, reconciled shortfall, inability to pay, eligibility conditions. FSCS says advice and IVA practitioner payments are not protected by this category. Explanatory site, not replacement for COMP rules. Access 26 Oct 2026. \nFSCS"],["C_EW-P01-S056","Financial Ombudsman Service, Time limits for complaining. https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits","Opened, Official published consumer explanation; six months after final response and six-years/three-years awareness framework, subject to exceptions and jurisdiction. Page shown updated in 2022; binding DISP pinpoint S050 takes precedence. Access 26 Oct 2026."],["C_EW-P01-S057","Financial Ombudsman Service, published decision DRN2727544 (2015). https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf","Opened, original published PDF, two PDF pages, zero-based indices 0–1; printed-page numbering not independently established. Decision-specific amounts: £240 × 24 = £5,760; deduction £80; resulting £5,680, plus award terms including £150 and specified simple interest. Individual final decision, not legislation, general fee formula or binding precedent. Access 26 Oct 2026."],["C_EW-P01-S058","Financial Ombudsman Service, published decision DRN-5484433 (2025). https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf","Opened, original published PDF, seven PDF pages, zero-based indices 0–6; printed-page numbering not independently established. Findings distinguish refunded firm fees, £600 distress award, creditor monies and unsupported speculative losses. Bounded decision-specific outcome, not a standard tariff. Access 26 Oct 2026."]]},{"headers":[],"index":10,"links":[{"href":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans?utm_source=chatgpt.com","text":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans"},{"href":"https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements?utm_source=chatgpt.com","text":"https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements"},{"href":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders?utm_source=chatgpt.com","text":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders"},{"href":"https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy?utm_source=chatgpt.com","text":"https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy"},{"href":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors?utm_source=chatgpt.com","text":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors"},{"href":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers?utm_source=chatgpt.com","text":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers"},{"href":"https://www.legislation.gov.uk/uksi/2020/1311/made?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2020/1311/made"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain&utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain"}],"row_links":[[],[{"href":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans?utm_source=chatgpt.com","text":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans"}],[{"href":"https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements?utm_source=chatgpt.com","text":"https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements"}],[{"href":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders?utm_source=chatgpt.com","text":"https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders"}],[{"href":"https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy?utm_source=chatgpt.com","text":"https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy"}],[{"href":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors?utm_source=chatgpt.com","text":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors"}],[{"href":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers?utm_source=chatgpt.com","text":"https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers"}],[{"href":"https://www.legislation.gov.uk/uksi/2020/1311/made?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2020/1311/made"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain&utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain"}]],"rows":[["Source","Issuer, title and full direct URL","Actually read: pinpoint, nature, currency, relevant limits"],["C_EW-P01-S059","GOV.UK, Options for dealing with your debts — Debt management plans. https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans","Opened, Official guidance, DMP voluntary repayment arrangement, creditors’ participation/interest decisions and plan payment structure. UK-facing guidance used only for the E/W consumer comparison, not a statutory creditor moratorium. Access 26 Oct 2026."],["C_EW-P01-S060","GOV.UK, Options for dealing with your debts — Individual voluntary arrangements. https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements","Opened, Official guidance, IVA and licensed insolvency practitioner, required creditor approval, and its different legal mechanism. Full statutory vote calculation/eligibility and later variation rules not independently verified here. Access 26 Oct 2026."],["C_EW-P01-S061","GOV.UK, Options for dealing with your debts — Debt relief orders. https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders","Opened, Official guidance, E/W DRO as separate statutory relief involving approved intermediaries and conditions. This pass does not certify every current property, debt, income, cost or application threshold. Access 26 Oct 2026."],["C_EW-P01-S062","GOV.UK / Insolvency Service, Guide to bankruptcy. https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy","Opened, Official guidance, England/Wales bankruptcy application, official receiver and trustee structure, creditor and asset consequences at a high level. Full procedure, exemptions, fees and discharge exceptions deferred. Access 26 Oct 2026."],["C_EW-P01-S063","GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for creditors. https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors","Opened, Official guidance, England/Wales standard 60-day breathing space, regulated debt-advice entry, creditor notification/restrictions and separate mental-health-crisis branch. Actual statutory SI was not retrieved (S065), so an operative-text verification hold applies. Access 26 Oct 2026."],["C_EW-P01-S064","GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for money advisers. https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers","Opened, Official guidance, England/Wales entry and adviser-role conditions, including FCA-authorised debt counselling and specified local-authority routes; separate standard/mental-health-crisis processes. Not a rule allowing any paid negotiator to enrol customers. Access 26 Oct 2026."],["C_EW-P01-S065","UK legislation.gov.uk, Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020, SI 2020/1311. https://www.legislation.gov.uk/uksi/2020/1311/made","Failed operative-text retrieval. Official explanatory guidance at S063–S064 was read, but regulation-by-regulation enactment, amendments and current effect remain unverified. Access 26 Oct 2026."],["C_EW-P01-S066","UK legislation.gov.uk, RAO 2001 alternate Part II endpoint. https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain","Failed official alternative after S001; no substantive statutory body obtained. Not counted as affirmative support for any article. Access 26 Oct 2026."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact proposition and triggering conditions","Required action, consequence and limitation","Primary source/pinpoint"],["C_EW-P01-C001","Debt-advice perimeter turns on credit agreements relevant to RAO art 60B, the definition of “individual” and the covered debt activity; qualifying natural persons, some partnerships and unincorporated bodies differ from corporate borrowers. Business use alone is not a reliable exemption.","Identify debtor legal form, contract and credit purpose; do not presume all business debt is covered. Statutory text held.","S003 PERG 2.6.30G; S004 Glossary individual; S020 CONC 8.1.4G"],["C_EW-P01-C002","Consumer-hire agreements under the RAO definition can enter the debt-activity perimeter; the period and type of agreement, including the relevant more-than-three-month criterion, matter.","Obtain hire contract; distinguish hire from hire-purchase and other finance. RAO 60N text held.","S003 PERG 2.6.31G; S001 failed RAO"],["C_EW-P01-C003","Debt adjusting includes specified negotiations about payment terms, taking over responsibility for discharging qualifying debts or similar activities on a debtor's behalf.","Check actual service; arranging a compromise can be covered even without holding funds.","S005 PERG 2.7.8BG–CG; S006 PERG 17.3 Q3.1–Q3.3; RAO 39D unread"],["C_EW-P01-C004","Debt counselling concerns advice to a debtor about liquidation of relevant debt, not merely use of the colloquial term “counselling.”","Classify the advice and recipient; assess whether it recommends a debt-liquidation course.","S005 PERG 2.7.8DG–EG; S006 PERG 17.3; RAO 39E unread"],["C_EW-P01-C005","Relevant debt-liquidation advice can concern liabilities under credit agreements not themselves regulated consumer-credit agreements; the precise agreement class and advice still control.","Do not equate “underlying loan exempt from lending regulation” with “all debt advice unregulated.”","S006 PERG 17; S020 CONC 8.1.4G; qualified by S001 gap"],["C_EW-P01-C006","General impartial information and personal advice/decision-tree recommendations can receive different regulatory treatment depending on their content, individualisation and context.","Inspect scripts, questions and output before classifying a website or lead funnel.","S006 PERG 17.3–17.5"],["C_EW-P01-C007","Debt collecting, debt administration, debt adjusting and debt counselling are distinct activity descriptions, potentially with overlapping facts.","A collector or payment administrator is not automatically a debtor adviser; classify each act independently.","S005 PERG 2.7; S006 PERG 17"],["C_EW-P01-C008","FCA's credit-activity business-test interpretation does not make receiving a consumer fee indispensable; repeated free/nonprofit advice may still be by way of business.","Test activities, regularity, organisation and any exception before claiming exclusion.","S007 PERG 2.3.2G(3B), 2.3.3G"],["C_EW-P01-C009","Territorial regulation depends on the UK statutory nexus and business facts; offshore location neither proves nor disproves coverage.","Investigate marketing direction, contracting, performance and relevant establishment. FSMA s 19/s 418 operative text unverified; no conclusive remote outcome.","S012 PERG 2.4.2G–2.4.5G; S002 failed FSMA"],["C_EW-P01-C010","CONC has an application rule for specified activity carried on from outside a UK establishment where the customer is habitually resident in the UK, subject to the exact rule and exceptions.","Apply CONC 1.2.5R only when its predicates hold; it is not by itself a universal offshore licensing provision.","S013 CONC 1.2.5R; S012 PERG 2.4"],["C_EW-P01-C011","A covered actor requires an appropriate legal route; FCA authorisation, particular activity permission, registration and claimed exemption are not synonyms.","Check specific permitted activities, limitations and effective history; unauthorised activity raises legal consequences but does not erase creditor debt.","S019 PERG 2.2.1G–AG; S017–S018 official register instructions"],["C_EW-P01-C012","Limited-permission consumer-credit routes exist, but a limited permission for incidental broking/another narrow activity is not blanket permission to operate debt management or negotiate all debts.","Match actual RAO activities against precise firm permissions; full-permission work may be required.","S015 FCA debt-permission limitations; S016 motor dealers"],["C_EW-P01-C013","An appointed representative route is conditional on covered activities, a qualifying written principal arrangement and SUP rules; the principal assumes specified responsibility.","Verify both the representative's scope and principal, including timing; no presumption that all debt-adjusting work is eligible.","S014 SUP 12.2.2G–.7G, 12.4.1AG; S013 CONC 1.2.3G"],["C_EW-P01-C014","Charitable/nonprofit identity or providing services free does not itself confer blanket exemption; only an actually qualifying route/exclusion changes the result.","Distinguish status, activity and any scheme predicate; fee-free customers still need appropriate advice standards when applicable.","S007 PERG 2.3; S011 PERG 2.11.5G; S020 CONC 8"],["C_EW-P01-C015","Designated-profession treatment under FSMA s 327 depends on detailed incidental, professional-body, remuneration and activity conditions; separate advocacy/litigation settings differ.","Check professional capacity and body rules; ordinary debt business by a lawyer/accountant is not categorically unregulated.","S008 PERG 2.8.7CG branches; S010 PERG 2.10.12G–.16G"],["C_EW-P01-C016","Activities by an insolvency practitioner acting in the defined statutory capacity or reasonable contemplation of appointment can be excluded from certain debt-adjusting analysis.","Verify appointment/anticipated appointment and task; the same professional's unrelated commercial advice may be in scope. Insolvency licence ≠ FCA permission.","S009 PERG 2.9.25G–.27G; S033 CONC 10.2.10G"],["C_EW-P01-C017","Certain creditors, owners, suppliers or related actors handling their own debt fall within specifically conditioned RAO exclusions rather than a universal “creditor exempt” rule.","Establish actual beneficial interest/relationship and excluded activity; third-party services may differ.","S008 PERG 2.8.7CG(1), (3)–(6), interpreting RAO 39H–39K"],["C_EW-P01-C018","Tracing, collecting, distributing payments and negotiating a debtor's liability are not necessarily the same activity; a payment intermediary may have additional financial-services issues.","Map fund flow and legal role. Payment-services perimeter and every linked exclusion remain unresolved, not presumed safe.","S005 PERG 2.7; S011 PERG 2.11.4G; CASS S035–S041"],["C_EW-P01-C019","Specified enterprise-scheme activity is subject to a no-pecuniary-gain criterion and other particular conditions, not simply “small business debt” or “nonprofit.”","Obtain scheme identity, purpose, remuneration and actual RAO conditions before reliance.","S011 PERG 2.11.5G; S001 operative exception failed"],["C_EW-P01-C020","Some local-authority/official functions receive specific treatment; breathing-space money-adviser eligibility is separately conditioned.","Do not conflate local-government status, FCA exclusion and permission to initiate statutory respite.","S009 PERG 2.9; S063–S064 official breathing-space guidance"],["C_EW-P01-C021","FCA Register and its consumer checking instructions permit public examination of identity, status, permissions, limitations, principal and historical records.","Consumer compares legal name, exact service and genuine contact details. No named search here; records need transaction-date checking.","S017–S018, FCA public pages"],["C_EW-P01-C022","Unauthorised regulated activity may engage prohibition/offence and agreement enforceability rules; consequences are fact- and statute-dependent.","No automatic debt cancellation, universal restitution, release of security or reversal of judgment follows solely from a provider violation. Primary statutory sections not reopened.","S019 PERG 2.2.1G–AG; S001–S002 failed"],["C_EW-P01-C023","Covered debt-management firms face CONC 10 solvency/resources rules, generally the higher of £5,000 or a formula on relevant debts under management: 0.25% first £5m + 0.15% next £95m + 0.05% remainder, with other-activity higher requirements and professional-firm exclusions.","This is firm prudential capital, not a fee payable by a consumer, bond protecting each account or proven universal PII requirement. CONC 10 breaches are specified not privately actionable under s 138D.","S033 CONC 10.1.1R–.2R, .6R; 10.2.4R–.9R; 10.2.13R–.14R"],["C_EW-P01-C024","Applicable financial promotions must be clear, fair and not misleading and comply with debt-services disclosures; guaranteed settlements or false government affiliation raise concerns.","Compare actual wording with CONC 3.3.1R and 3.9.3R/.5R/.7R; no automatic finding absent the advertisement/context.","S029 CONC 3.3.1R; S030 CONC 3.9"],["C_EW-P01-C025","A debt management firm, specifically, must prominently state in its first written or oral communication that free relevant services exist and point to MoneyHelper; its website must carry the prescribed advice-locator link.","Disclose at initial contact; not a generic duty applying identically to every free publisher.","S021 CONC 8.2.4R(1)–(2) (displayed 26 Nov 2021)"],["C_EW-P01-C026","Covered advice/action must address best interests and individual circumstances following sufficiently full financial assessment, present suitable options and explain rejected ones; impartial UK-country-specific options also matter.","Assess income, capital, expenditure, vulnerabilities, foreseeable changes and solution suitability; do not steer based only on provider earnings.","S022 CONC 8.3.2R(1)–(3), 8.3.7R(1)–(5); S021 8.2.2G"],["C_EW-P01-C027","Advice normally requires a durable medium covering included/excluded debts, risks, priority nonpayment, legal action and lack of guaranteed suspension; the 8.3.4AR exception is only where not contracted and the firm reasonably concludes no contract is likely, with reasons recorded.","Record disclosure and exception basis. An initial call does not categorically excuse durable advice.","S022 CONC 8.3.4R(1)–(6), 8.3.4AR(1)–(2) and 8.3.6AG"],["C_EW-P01-C028","Firm must provide written debt-solution contract stating services, duration, cost/formula and termination/cancellation; prohibited terms include banning direct lender contact, disclaiming all liability or claiming no refund ever.","Obtain contract; unenforceability/remedy of an individual clause is not finally determined without contract and applicable law.","S023 CONC 8.4.1R–8.4.4G"],["C_EW-P01-C029","A covered plan's financial statements and lender information must use the required financial picture, debts and proposed distribution, with consequential revisions when fees change available repayments.","Obtain dated budget, creditor list, allocations and revised statements.","S024 CONC 8.5.1R; S026 CONC 8.7.4R(2)"],["C_EW-P01-C030","A provider must give specified creditor communication for payments withheld, have vulnerability procedures and keep DMPs under review; creditor participation and enforcement remain separate.","Review actual payments, creditor replies, changing affordability, legal notices and updated advice.","S021 CONC 8.2.5R–8.2.8G; S025 CONC 8.6; S027 CONC 8.8.1R; S059 DMP guidance"]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact proposition and triggering conditions","Required action, consequence and limitation","Primary source/pinpoint"],["C_EW-P01-C031","Under a DMP, CONC prohibits arranging fee amounts/timing so the customer pays all or substantially all fees ahead of lender repayments or cannot make significant lender repayments from month one and throughout. A compliant full-and-final holding model has a specified qualification.","Examine actual first-month and ongoing distribution—not just total contracted fee. No universal percentage charge or universal “no upfront money” rule follows.","S026 CONC 8.7.2R(1)–(3)"],["C_EW-P01-C032","FCA says allocating more than half sums received in any one-month period from the start of a DMP to fees is likely to undermine significant creditor repayment; charges for ongoing administration should generally be spread over the plan.","Treat 8.7.3G as regulatory guidance, not a binding 50% statutory fee ceiling or a permission to take 50% routinely.","S026 CONC 8.7.3G(1)–(4)"],["C_EW-P01-C033","Covered firms cannot demand payment for a debt solution before entering the contract, take payments without specific continuing authority, normally charge fees by credit card/credit, charge impermissible repeated set-up costs, or impose disproportionate cancellation charges.","Match payment source, customer mandate, agreed fee, work already done and any permitted exception.","S026 CONC 8.7.6R(1)–(8)"],["C_EW-P01-C034","Where advice is identified or established as incorrect/inappropriate, fees imposed for that advice must be refunded/credited; where services are wholly or partly absent or lack reasonable skill/care, an appropriate fee refund is required. Relevant commissions must be disclosed.","Identify the particular charge, faulty advice or unperformed service; calculate resulting refund instead of treating all provider receipts as fees.","S026 CONC 8.7.4R(1)–(4); S023 8.4.4G"],["C_EW-P01-C035","Specified debt-packaging advisers who do not themselves provide debt solutions face a prohibition on referral remuneration from solution providers, including associates/AR steps, subject to not-for-profit-body exclusion, statutory/official exceptions and pre-commencement accrued-right qualification.","Check adviser business model, direct/indirect remuneration, 2 June 2023 rule and 26 June 2026 guidance versions; prohibition does not apply universally to every referral.","S022 CONC 8.3.9R–8.3.16R, especially 8.3.9R(1)–(2), 8.3.11R(1)–(2), 8.3.14R"],["C_EW-P01-C036","Qualifying distance contracts concerning debt counselling/adjusting can be cancelled without reason/penalty within 14 calendar days; CONC 11.1.1R has exclusions, and this specified limb excludes services in relation to consumer hire.","First identify distance contract, consumer, service type and exclusions; neither every online enquiry nor every hire agreement qualifies.","S032 CONC 11.1.1R–11.1.2R"],["C_EW-P01-C037","The cancellation period starts at contract-making or the later receipt of specified contractual/precontract information; prescribed notice dispatched before expiry can satisfy the exercise requirement.","Preserve contract date, actual information receipt, method, accessibility and dispatch evidence. No actual calendar deadline calculated.","S032 CONC 11.1.5R, 11.1.6R, 11.1.7R–8G"],["C_EW-P01-C038","On valid cancellation, a firm may charge only proportionately for services actually given, without penalty, and only if it proves appropriate information and the customer's prior request for early performance. It must return other sums without undue delay and within 30 calendar days of receiving cancellation; separate consumer return obligation starts from consumer dispatch.","Work out earned service amount conditionally; if proof/request is missing, the 11.1.11R charge fails. Distinguish firm-receipt from customer-dispatch clocks; no deadline date assumed.","S032 CONC 11.1.10R–11.1.14R; S026 8.7.1G"],["C_EW-P01-C039","CASS 11 applies to a defined CASS debt management firm receiving/holding money for DMP or creditor distribution. Properly due fees and completed distributions differ from client funds awaiting disbursement.","Reconcile purpose, receipt, appropriation and creditor payment before designating money as firm revenue. Professional and other scope exclusions need checking.","S035 CASS 11.1.1R–.6R; S038 CASS 11.4"],["C_EW-P01-C040","Qualifying client money is subject to the CASS statutory trust and segregation/account protections.","Maintain protected account/ownership records; a breached trust duty does not guarantee intact assets or automatic recovery.","S039 CASS 11.6.1R; S041 CASS 11.9"],["C_EW-P01-C041","CASS classifies firms using the highest amount held in the last calendar year—or relevant projected current-year holding—with large ≥ £1 million and small below £1 million; notification, effective date and optional large classification have separate conditions.","Apply classification and required reconciliation/oversight, not a customer-specific fund guarantee. The 7 May 2025 notification amendment differs from original 2014 classification rules.","S036 CASS 11.2.1R–11.2.8R; S043 11.11"],["C_EW-P01-C042","Covered client bank account arrangements require specified bank acknowledgment and record/account procedures, with account eligibility and timing conditions.","Examine actual acknowledgment, account name, bank and records; mere “segregated” advertising is not proof.","S040 CASS 11.8.2R, 11.8.8R, associated rules"],["C_EW-P01-C043","CASS imposes defined treatment for cash and cheques, including applicable next-business-day banking, and allocation between client and firm parts of mixed remittances.","Record receipt form, cleared status, account route and whether any part was lawfully firm money.","S041 CASS 11.9, cash/cheque and mixed-remittance provisions"],["C_EW-P01-C044","Client-level identification and recording/allocation of incoming money must follow CASS 11.9 requirements, including the applicable five-business-day allocation requirement.","Compare actual ledger timestamps, source and recipient accounts; this clock differs from creditor-distribution guidance.","S041 CASS 11.9 allocation rules; S043 11.11"],["C_EW-P01-C045","Creditors must ordinarily receive client money as soon as reasonably practicable. FCA guidance says normally within five business days of cleared receipt; delay under 11.10.3R requires all three precontract conditions, and additional notifications/daily checks may apply.","Test contract express term, separate notice, risk explanation, creditor notice and daily records. Five days is not a universal strict statutory maximum.","S042 CASS 11.10.1R–11.10.5R; .2G"],["C_EW-P01-C046","Where a firm fails to pay as soon as reasonably practicable, CASS 11.10.6R can require restoring the client's financial position; specified lawful long-holding and circumstances outside firm control qualify the duty.","Prove causation and extra charges/interest, and check exclusions; FCA guidance explains likely heads, not automatic predetermined compensation.","S042 CASS 11.10.6R(1)–(2), 11.10.7G"],["C_EW-P01-C047","A consumer’s instruction withdrawing unused money and cancellation may require money return, with CASS operating duties and any separate CONC 11 deadline each assessed on its own predicates.","Obtain written withdrawal, fee/itemisation, ledger and proof of payments made. Any “normally within five business days” shorthand must retain its guidance status and precise context.","S041 CASS 11.9 withdrawal/return provisions; S032 11.1.12R"],["C_EW-P01-C048","Defined firm/bank failures trigger CASS 11.13 pooling and rateable entitlements; insolvency, bank failure or misallocation may leave a shortfall.","Reconstruct client entitlement and relevant pool; neither segregation nor FSCS provides unconditional full repayment.","S045 CASS 11.13; S043 11.11; S053 COMP 5.8.1R"],["C_EW-P01-C049","Specified Handbook rules can support a private damages action under the FSMA s 138D framework, subject to schedules, claimant status and ordinary proof; CONC 10.1.6R expressly excludes such action for CONC 10.","Distinguish FCA discipline, contract refunds, s 138D damages, FOS and FSCS. Do not infer every breach automatically voids contract or creditor debt.","S034 CONC Sch 5; S046 CASS Sch 5; S033 CONC 10.1.6R; S002 statutory text unavailable"],["C_EW-P01-C050","FOS consideration requires a respondent/activity within DISP jurisdiction and an eligible complainant with the necessary relationship.","Determine complainant type, respondent, complaint matter and compulsory/voluntary coverage before referring.","S047 DISP 1; S048 DISP 2.3.1R; S049 DISP 2.7"],["C_EW-P01-C051","Ordinary FOS sequencing involves an initial firm complaint, a usual eight-week stage, normally six months after qualifying final response, and six years from event or later three years from awareness, subject to exclusions, consent and exceptional circumstances.","Preserve firm-receipt proof, final response and awareness facts. Do not compute filing dates from a bare event date.","S047 DISP 1.6.1R–.2R; S050 DISP 2.8.1R–.2R; S056 official explanation"],["C_EW-P01-C052","FSCS protected debt-management business is UK-establishment CASS debt-management activity only in relation to client-money shortfall, not a free-standing insurance policy for bad advice, all fees or unsuccessful negotiations.","Identify regulated money-holding role, UK branch, reconciled shortage and claim character.","S053 COMP 5.8.1R; S055 FSCS limitations"],["C_EW-P01-C053","FSCS payment further requires qualifying default and eligible claimant; for this particular protected-debt-management category, non-natural persons are excluded.","Verify default, inability to meet claim and natural-person status; a qualifying contract alone is insufficient.","S051 COMP 3.2.1R; S052 COMP 4.2.1R–4.2.2R(20)"],["C_EW-P01-C054","Under the current cited COMP table, covered debt-management shortfall pays 100% up to £85,000 in qualifying circumstances. FSCS describes £50,000 for qualifying firms failing 1 Apr 2018–31 Mar 2019, and £85,000 after that period.","Check failure date, covered business, natural person, actual shortage, eligible firm and aggregation; this category is not the general bank-deposit limit.","S054 COMP 10.2.3R; S055 official dated-failure criteria"],["C_EW-P01-C055","Published 2015 FOS decision treated 24 × £240 = £5,760, less £80, producing £5,680, with specified interest treatment and £150 distress/redress.","This was the ombudsman’s resolution on stated case facts; neither percentage, outcome nor award is universally mandated.","S057 published DRN2727544, PDF zero-based pp 0–1"],["C_EW-P01-C056","Published 2025 FOS decision distinguished refund of firm fees and £600 compensation from creditor monies and speculative additional claims.","Compare provider-controlled charges with other loss theories; result is case-specific and not binding tariff or settled class-wide claim.","S058 published DRN-5484433, PDF zero-based pp 0–6"],["C_EW-P01-C057","DMPs and private full-and-final settlements are negotiated/voluntary arrangements. A private offer does not automatically bind a creditor or halt interest, recovery or court action.","Obtain express creditor acceptance and payment/waiver evidence, and check each creditor separately. No statutory moratorium inferred.","S059 official DMP guidance; S022 CONC 8.3.4R(3)(e); S025 CONC 8.6"],["C_EW-P01-C058","England/Wales IVAs are a separate statutory insolvency mechanism involving a licensed insolvency practitioner and requisite creditor decision.","Identify actual proposal, IP appointment, votes/approval and binding scope; no IVA from mere “settlement programme” branding. Full vote and variation law deferred.","S060 official IVA guidance; S022 8.3.4R(4)"],["C_EW-P01-C059","England/Wales DROs are a distinct formal insolvency/debt-relief procedure with eligibility and approved intermediary/application requirements.","Verify entry/approval and covered debts before asserting discharge or restrictions. Complete eligibility/process rules deferred.","S061 official DRO guidance"],["C_EW-P01-C060","England/Wales bankruptcy is distinct from a private DMP, settlement or IVA, with formal process and official receiver/trustee consequences.","Require actual bankruptcy order/process evidence; no universal claim about exemptions, secured debts, tax or discharge in this pass.","S062 GOV.UK Insolvency Service bankruptcy guide"],["C_EW-P01-C061","England/Wales breathing space is a formal debt-respite mechanism, with standard 60-day and separate mental-health-crisis routes, approved adviser entry and defined creditor restrictions—not automatic debt cancellation.","Verify qualifying entry and statutory notice rather than treating DMP enrolment as respite. Regulation text S065 failed, so effect/eligibility detail remains held.","S063–S064 official guidance; S065 failed current regulation"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item; finding location","Status","Exact claim IDs","Missing proof and next focused action"],["EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011.","partial","C_EW-P01-C003, C_EW-P01-C011","Reopen operative RAO/FSMA and jurisdiction provisions, distinguishing statutes from FCA G/R."],["EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066.","unresolved","C_EW-P01-C001, C_EW-P01-C003, C_EW-P01-C004","Retrieve official current RAO arts 39D–39K, 60B, 60N, schedules, commencement/amendment annotations and transitional effects through a viable official full-text route."],["EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022.","partial","C_EW-P01-C011, C_EW-P01-C022","Read enacted FSMA ss 19, 21, 23, 26–28, 138D, 327, 418 with relevant current amendments; avoid assumptions about each remedy."],["EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1.","partial","C_EW-P01-C003","Obtain RAO 39D body and exceptions; apply service-by-service factual tests."],["EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006.","partial","C_EW-P01-C004, C_EW-P01-C005, C_EW-P01-C006","Read RAO 39E current text; map generic content, decision trees and personalised recommendation cases."],["EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018.","partial","C_EW-P01-C007, C_EW-P01-C018","Map applicable RAO activities/exclusions and separate payment-services regulations."],["EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005.","partial","C_EW-P01-C001, C_EW-P01-C005","Confirm statutory agreement definition and each exclusion for specific products."],["EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036.","partial","C_EW-P01-C002, C_EW-P01-C036","Verify RAO 60N and service-specific cancellation exceptions against actual hire agreement."],["EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001.","partial","C_EW-P01-C001","Reopen exact RAO/CCA individual definitions, partnership-size and purpose exceptions; resolve each borrowed-for-business branch."],["EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053.","partial","C_EW-P01-C001, C_EW-P01-C050, C_EW-P01-C053","Distinguish advice-activity debtor definition from FOS and FSCS eligibility; validate organisation type."],["EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019.","partial","C_EW-P01-C001, C_EW-P01-C005, C_EW-P01-C019","Read actual business-purpose exceptions and any monetary/agreement formalities."],["EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027.","partial","C_EW-P01-C001, C_EW-P01-C027","Reopen land-secured exclusions and debt-specific rules; do not equate mortgage debt with ordinary credit-card debt."],["EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3.","partial","C_EW-P01-C009","Read enacted territorial sections and actual location-of-activity analysis."],["EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3.","answered","C_EW-P01-C010","For a real fact pattern establish firm, establishment, customer's habitual residence and covered activities; separate unresolved authorisation nexus."],["EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1.","answered","C_EW-P01-C011","Transaction-date Register inspection would be needed for an actual actor; none authorised here."],["EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012.","partial","C_EW-P01-C012","Exact permission type, FCA conditions and status on relevant date remain actor-dependent."],["EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013.","partial","C_EW-P01-C013","Check RAO/SUP activity eligibility, written appointment and principal responsibility at relevant date."],["EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021.","answered","C_EW-P01-C011, C_EW-P01-C021","Actual name/record lookup intentionally not performed."],["EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status.","unresolved","C_EW-P01-C011, C_EW-P01-C035, C_EW-P01-C041","Obtain RAO/FSMA consolidation and amendments at baseline 22 Oct and check 26 Oct changes, commencements and future-effective instruments."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item; finding location","Status","Exact claim IDs","Missing proof and next focused action"],["EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1.","partial","C_EW-P01-C003, C_EW-P01-C004, C_EW-P01-C008, C_EW-P01-C011","Reopen statutory articles and individual activity/payment facts."],["EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1.","partial","C_EW-P01-C008, C_EW-P01-C014","Determine actual by-way-of-business status and particular exclusion."],["EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008.","partial","C_EW-P01-C006, C_EW-P01-C008","Review actual scripts, advice and business context; do not infer licence from general publication."],["EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015.","partial","C_EW-P01-C015","Verify professional-body permission, incidental character and financial benefit."],["EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2.","partial","C_EW-P01-C016","Confirm IP's exact capacity and relevant statutory definition/appointment."],["EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017.","partial","C_EW-P01-C017","Reopen RAO 39H–39K and actual ownership/agency facts."],["EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018.","partial","C_EW-P01-C007, C_EW-P01-C018","Read collector-specific rules in a separate focused pass and linked exclusions."],["EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039.","partial","C_EW-P01-C018, C_EW-P01-C039","Map legal possession, payment initiation, debtor/creditor agency and Payment Services Regulations separately."],["EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019.","partial","C_EW-P01-C019","Retrieve operative RAO enterprise-scheme text and scheme facts."],["EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061.","partial","C_EW-P01-C020, C_EW-P01-C061","Read statutory basis and exact official function before treating actor as exempt or eligible."],["EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021.","answered","C_EW-P01-C021","No named entity/person/permission search, and no claim that any provider presently holds approval."],["EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033.","unresolved","C_EW-P01-C023, C_EW-P01-C033","Separate FCA fee tariff/FEES module by firm type from any consumer charge."],["EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023.","answered","C_EW-P01-C023","Any actual amount needs managed debt value, accounting date, other activities and eligible resource balances."],["EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023.","unresolved","C_EW-P01-C023","Read FCA threshold conditions, firm-specific permission conditions, professional body rules and any applicable PII requirement."],["EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049.","partial","C_EW-P01-C022, C_EW-P01-C049","Read FSMA ss 23 and 26–28, including exceptions, discretion, recovery and transaction nexus before claiming remedy."]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item; finding location","Status","Exact claim IDs","Missing proof and next focused action"],["EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5.","answered","C_EW-P01-C024","Particular advertisement and audience not provided; no violation found for an actual actor."],["EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025.","answered","C_EW-P01-C025","Scope limited to “debt management firm”; actual communication not obtained."],["EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028.","answered","C_EW-P01-C027, C_EW-P01-C028","Document delivery/receipt and consumer-credit disclosure-regulation branch remain contract facts."],["EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026.","answered","C_EW-P01-C026","Actual budget/medical/employment evidence required for individual determination."],["EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027.","answered","C_EW-P01-C025, C_EW-P01-C026, C_EW-P01-C027","Availability and eligibility of each local mechanism require separate check."],["EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027.","answered","C_EW-P01-C027","Amounts and enforcement priority deferred; provider must address actual risk."],["EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030.","answered","C_EW-P01-C026, C_EW-P01-C030","Actual vulnerability evidence and reasonable adjustments are case-specific; full equality-law regime not researched."],["EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027.","answered","C_EW-P01-C027","Must inspect reason record before accepting exception; no contract obtained."],["EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028.","answered","C_EW-P01-C028","Individual enforceability/private-remedy and contract text remain untested."],["EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029.","answered","C_EW-P01-C029","Any exact distributable sum needs creditor/current budget evidence."],["EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032.","answered","C_EW-P01-C031, C_EW-P01-C032","No fee calculation without actual contract, plan and ledger."],["EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032.","answered","C_EW-P01-C032","Actual plan compliance additionally tested under 8.7.2R."],["EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4.","partial","C_EW-P01-C031, C_EW-P01-C045","Inspect precontract holding term, separate attention/risk explanation and CASS allocation."],["EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033.","answered","C_EW-P01-C033","Actual mandates, method, dates and contract needed."],["EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5.","answered","C_EW-P01-C034","Prove defect, charge link and restitution/account treatment."],["EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4.","answered","C_EW-P01-C034","Work records, degree of failure and fees paid necessary for actual calculation."],["EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035.","answered","C_EW-P01-C035","Transaction-date scope and remuneration records needed; no specific actors inspected."],["EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4.","answered","C_EW-P01-C036","Need actual contract category, delivery facts and exceptions."],["EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038.","answered","C_EW-P01-C037, C_EW-P01-C038","No trigger/method/receipt dates supplied; no calendar date calculated."],["EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4.","answered","C_EW-P01-C038","Proof of consumer early-performance request, prior charge disclosure and actual work required."],["EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030.","answered","C_EW-P01-C029, C_EW-P01-C030","Actual frequency, communication and evidence of change need records."],["EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2.","answered","C_EW-P01-C057","Each creditor agreement and applicable contractual/statutory enforcement rights still need separate analysis."],["EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5.","answered","C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Check formal entry evidence before describing moratorium or discharge."]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item; finding location","Status","Exact claim IDs","Missing proof and next focused action"],["EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6.","answered","C_EW-P01-C039","Match actual actor, payment purpose and exclusions before applying CASS."],["EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5.","answered","C_EW-P01-C034, C_EW-P01-C039","Contract, invoice, services provided and allocation ledger required."],["EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041.","answered","C_EW-P01-C041","Firm-specific holdings and notifications unavailable."],["EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040.","answered","C_EW-P01-C040","Actual account/trust records unavailable; protection not guaranteed recovery."],["EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042.","answered","C_EW-P01-C042","Confirm actual bank, acknowledgment and account operation in a provider-specific review, if authorised."],["EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043.","answered","C_EW-P01-C043","Need payment-medium and bank-clearing facts for a deadline calculation."],["EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044.","answered","C_EW-P01-C041, C_EW-P01-C044","Actual records and method unavailable; no assumed zero shortfall."],["EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045.","answered","C_EW-P01-C045","Check cleared receipt, business-day calendar, distribution history and whether exception actually established."],["EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4.","answered","C_EW-P01-C045","Missing any predicate changes branch; actual contracts unavailable."],["EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046.","answered","C_EW-P01-C045, C_EW-P01-C046","Require proof of delay, causation, fees/interest and factors outside firm's control."],["EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4.","partial","C_EW-P01-C047, C_EW-P01-C038","Exact client-money release instructions, bank transfer status and cancellation receipt are case-specific; ordinary contractual termination branch needs exact agreement."],["EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6.","answered","C_EW-P01-C048","Actual insolvency pool, competing claims and costs not obtained; numerical pool example not an entitlement determination."],["EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054.","answered","C_EW-P01-C048, C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054","Underlying bank failure/administration facts and claimant eligibility determine actual outcome."],["EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049.","partial","C_EW-P01-C049","FSMA s 138D operative body and specific cause-of-action elements remain statutory hold."],["EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051.","answered","C_EW-P01-C050, C_EW-P01-C051","An individual respondent and complaint have not been assessed; no submission made."],["EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051.","answered","C_EW-P01-C051","No consumer-specific deadlines computed without receipt/final response/awareness facts."],["EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054.","answered","C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054","Failure date, eligibility, firm status and reconciliation still case-specific; not coverage for mere dissatisfaction."],["EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056.","answered","C_EW-P01-C055, C_EW-P01-C056","No citator, acceptance/implementation record, representative sample or basis for universal damages tariff."],["EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050.","answered","C_EW-P01-C021, C_EW-P01-C028, C_EW-P01-C029, C_EW-P01-C038, C_EW-P01-C039, C_EW-P01-C047, C_EW-P01-C050","No private records requested, received or examined."]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item; finding location","Status","Exact claim IDs","Missing proof and next focused action"],["EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2.","answered","C_EW-P01-C057","Individual creditor acceptance, interest and enforcement must be proved."],["EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4.","partial","C_EW-P01-C031, C_EW-P01-C057","Exact offer, acceptance, released parties, balance and security clauses unavailable; full contract-law interpretation deferred."],["EW-E03 — IVA versus provider DMP. Requires formal insolvency practitioner/approval route. §4 C058; Scenario 2.","partial","C_EW-P01-C058","Focused pass needed for votes, forms, property equity, modifications, fees, defaults and discharge."],["EW-E04 — DRO versus provider plan. Distinct statutory application/intermediary. §4 C059; Scenario 2.","partial","C_EW-P01-C059","Read current operative eligibility limits, exclusions, application process, restrictions and commencement changes."],["EW-E05 — Bankruptcy versus settlement. Formal order/officeholder separate. §4 C060.","partial","C_EW-P01-C060","Separate Insolvency Act/Rules pass for assets, secured creditors, fees, exemptions, discharge and procedure."],["EW-E06 — Breathing space. England/Wales statutory respite with qualified adviser route; standard/mental-health branches. §4 C061.","partial","C_EW-P01-C061","Operative SI 2020/1311 failed; read regulation text, amendments and exceptions before precise legal-effect or deadline assertion."],["EW-E07 — England. FCA provider standards and official E/W insolvency/respite descriptions researched. §4 C025–C061.","partial","C_EW-P01-C025, C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","England-specific collection, court, limitation and public-debt remedies deferred."],["EW-E08 — Wales. FCA UK-wide rules apply within their terms; cited IVA/DRO/bankruptcy/breathing-space guidance expressly addresses England and Wales. §2 Scenarios 2/3; §4 C010/C058–C061.","partial","C_EW-P01-C010, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Check any devolved advice programme, local-authority function and Wales-specific debt/housing process in separate pass. No proof that every local remedy is identical."],["EW-E09 — Scotland. Distinct local debt solutions and enforcement regimes, not independently investigated. §4 C026/C035 notes country sensitivity.","excluded_with_reason","C_EW-P01-C026, C_EW-P01-C035","Separate Scotland provider/regulated advice plus debt solution/enforcement dossier; do not transpose E/W IVA/DRO/breathing rules."],["EW-E10 — Northern Ireland. Distinct insolvency and local process, not independently investigated. §4 C026/C035 notes country sensitivity.","excluded_with_reason","C_EW-P01-C026, C_EW-P01-C035","Separate Northern Ireland provider/regulated advice plus debt solution/enforcement dossier; no conclusion from UK-wide FCA material alone."],["EW-E11 — England-versus-Wales exact differences. FCA standards common within scope; named government statutory processes explicitly cover both, but complete local comparison not made. §4 C026/C058–C061.","partial","C_EW-P01-C026, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Compare any devolved advice services and relevant local civil-enforcement/housing rules next pass."],["EW-E12 — Insolvency-professional versus regulated debt-advice roles. An IP acting within appointment differs from ordinary adviser/negotiator. §4 C015/C016/C058.","partial","C_EW-P01-C015, C_EW-P01-C016, C_EW-P01-C058","Read IP authorisation/supervision statute and professional-body rules in targeted pass, not equated to FCA Part 4A."],["EW-E13 — Cross-border case existence. Territorial provider rule identified, but substantive foreign-law consequences remain open. §2 Scenario 3; §4 C009/C010.","partial","C_EW-P01-C009, C_EW-P01-C010","A098 specialised questions separately inventoried below; territorial interpretation is not a conflicts/judgments answer."]]},{"headers":[],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item and narrow current finding","Status","Exact claim IDs, if any","Required focused next question"],["EW-F01 — Consumer debt product map. Credit/hire gateway touched; no comprehensive product classification.","excluded_with_reason","C_EW-P01-C001, C_EW-P01-C002","Map credit cards, overdrafts, loans, BNPL, hire, guarantees, mortgages, utilities, rent and public debts by creditor/right/regulated status."],["EW-F02 — Collection conduct. Debt collecting identified as distinct activity only.","excluded_with_reason","C_EW-P01-C007, C_EW-P01-C018","What creditor/agent contacts, harassment standards, required notices and FCA conduct provisions apply by actor/debt?"],["EW-F03 — Validation, documentation and debt disputes. No universal US-style “validation” right imported.","excluded_with_reason","C_EW-P01-C007","What agreement-copy, statement, information-request, assignment-notice, complaint and disputed-debt duties arise under actual UK instruments?"],["EW-F04 — Limitation and revival. Not researched.","excluded_with_reason","—","For each E/W cause of action, what event starts limitation, acknowledgment/payment changes it, and judgment status alters enforcement?"],["EW-F05 — Credit reporting. Provider must warn of credit-file consequences, but reporting framework not researched.","excluded_with_reason","C_EW-P01-C027","What UK GDPR/data accuracy, credit-reference agency, defaults, corrections, durations and challenges apply?"],["EW-F06 — Courts, procedure and service. Provider must warn legal action may continue.","excluded_with_reason","C_EW-P01-C027, C_EW-P01-C057","Which courts, claim forms, service rules, admissions, default judgment procedures and defenses govern particular debts?"],["EW-F07 — Judgments and post-judgment enforcement. No judgment voiding inferred from provider misconduct.","excluded_with_reason","C_EW-P01-C022, C_EW-P01-C057","What attachment of earnings, charging order, warrant/writ, third-party debt order and debtor-examination rules apply?"],["EW-F08 — Garnishment/attachment and exemptions. Not researched.","excluded_with_reason","—","Which earnings, benefits, bank funds and assets are protected, and by what procedure? Use local UK terminology rather than US imports."],["EW-F09 — Secured debts, homes and repossession. Advisers must warn about home loss; substantive property enforcement held.","excluded_with_reason","C_EW-P01-C027","How do mortgage arrears, secured loans, guarantees, tenancy and repossession interact with debt relief and priorities?"],["EW-F10 — Support obligations, fines, taxes and public debts. Priority warnings established; remedies not.","excluded_with_reason","C_EW-P01-C027","Map child maintenance, council tax, HMRC debts, criminal fines, benefits overpayments and utilities by enforcement/protection."],["EW-F11 — Priority-of-payment analysis. Provider warnings required; comprehensive hierarchy absent.","excluded_with_reason","C_EW-P01-C026, C_EW-P01-C027","Build a source-backed decision tree identifying immediate loss-of-home, liberty, utility and enforcement risks before unsecured offers."],["EW-F12 — Full free assistance and repayment alternatives. MoneyHelper referral identified, services not exhaustively inventoried.","excluded_with_reason","C_EW-P01-C025, C_EW-P01-C026","Determine independent adviser availability, direct creditor hardship negotiation, grants and structured repayment options by region."],["EW-F13 — IVA eligibility, process, forms and votes. Gateway only.","excluded_with_reason","C_EW-P01-C058","Read Insolvency Act/Rules and IP practice requirements, creditor voting and variations, court and cost branches."],["EW-F14 — DRO eligibility, process, forms and costs. Gateway only.","excluded_with_reason","C_EW-P01-C059","Verify live thresholds, intermediaries, exclusions, application method, fees and discharge."],["EW-F15 — Bankruptcy eligibility, procedure, costs and asset treatment. Gateway only.","excluded_with_reason","C_EW-P01-C060","Map application, official receiver, trustees, income-payment arrangements, protected assets and non-dischargeable claims."],["EW-F16 — Breathing-space full eligibility and operation. Official summary read; statute failed.","excluded_with_reason","C_EW-P01-C061","Read all relevant 2020 regulations and amendments, notice/entry/excluded debts, creditor restrictions, review and ending triggers."],["EW-F17 — Debt relief and tax. Not researched.","excluded_with_reason","—","What UK tax consequences, if any, follow debt compromise, forgiveness, insolvency and business debts?"],["EW-F18 — Moving abroad (A098). Only provider regulatory nexus touched.","excluded_with_reason","C_EW-P01-C009, C_EW-P01-C010","How do move timing, domicile/habitual residence and collection forum affect creditor/provider obligations?"],["EW-F19 — Foreign creditor/foreign contract (A098). No governing-law outcome reached.","excluded_with_reason","C_EW-P01-C009, C_EW-P01-C010","Which debt terms, foreign consumer laws and creditor capacity govern negotiation or discharge?"],["EW-F20 — Currency and foreign-exchange payments (A098). Not researched.","excluded_with_reason","—","Who bears conversion, receipt shortfall, payment fees and exchange-rate risk under actual contract/law?"],["EW-F21 — Choice of law and jurisdiction (A098). Territorial FCA scope is not a choice-of-law answer.","excluded_with_reason","C_EW-P01-C009","What law/forum terms are enforceable against consumers, with mandatory protections?"],["EW-F22 — Cross-border judgments and recognition (A098). Not researched.","excluded_with_reason","—","When can a foreign judgment be recognised/enforced in E/W, or an E/W judgment abroad, under applicable regimes?"],["EW-F23 — Foreign assets, security and enforcement (A098). Not researched.","excluded_with_reason","—","Which situs, tracing, attachment and insolvency-recognition rules govern particular assets?"],["EW-F24 — Full creditor assent/release terms. DMP non-binding gateway answered; contract-specific settlement law deferred.","excluded_with_reason","C_EW-P01-C057","What writing, consideration, release language, joint-debtor/guarantor effects and security formalities establish discharge?"],["EW-F25 — Full debt-agency licensing matrix beyond this provider component. Only selected actors and exceptions assessed.","excluded_with_reason","C_EW-P01-C007, C_EW-P01-C018","Catalogue distinct debt collecting, credit servicing, insolvency, payment-services and claims-management requirements independently."]]},{"headers":[],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Research channel","Searches or reading performed","Evidentiary result and boundary"],["FCA Handbook — perimeter","PERG 2.2–2.11, PERG 17, relevant Glossary, CONC 1.2 and SUP 12. One recorded query: site:handbook.fca.org.uk/handbook/perg17 debt adjusting debt counselling article 39D 39E","Interpretive FCA guidance and selected Handbook rules actually opened. FCA's account of RAO provisions is not counted as independent reading of those statutory articles."],["FCA Handbook — consumer duties","CONC 3.3, 3.9, 8.1–8.9, 10, 11, Schedule 5. Recorded query: site:handbook.fca.org.uk/handbook/conc8/conc8s7 CONC 8.7.2R fees debt management","Operative Handbook rules opened, including exact R/G labels and several current 2026 updates. Application is limited by each rule's terms."],["FCA Handbook — funds and redress","CASS 11.1–11.13 and Schedule 5; DISP 1, 2.3, 2.7, 2.8; COMP 3.2, 4.2, 5.8 and 10.2","Opened binding rules on client money, complaint routes and protected shortfalls. No actual account reconciliation, respondent or claim eligibility was tested."],["FCA and FSCS public guidance","FCA debt permissions, motor dealers, public Register/checking guidance, FSCS debt-management page","Official consumer and firm explanations opened. No named firm, individual, licence or financial account searched."],["FOS published decisions","Two bounded publicly published debt-management decisions, S057–S058","Original two- and seven-page PDFs read. Single-ombudsman decisions, not panel-majority holdings, statutory precedents or a comprehensive body of decisions. No independent citator, implementation or consumer acceptance record."],["GOV.UK and Insolvency Service","DMP, IVA, DRO, bankruptcy, breathing-space creditor/adviser guidance. Recorded query: site:gov.uk debt respite scheme breathing space guidance England Wales money advisers","Official descriptions read for narrow mechanism differentiation; comprehensive statutory insolvency law and remedies remain deferred."],["Legislation.gov.uk","Recorded query: site:legislation.gov.uk/uksi/2001/544/article/39D debt adjusting; S001/S002/S065 attempted and S066 official alternative attempted","Operative body retrieval failed. Search-index extracts displayed references to relevant provisions and amendment annotations but were treated as discovery only. No further repeated fetch or access-control workaround."],["Private documents and external actions","None","No actual provider contract, customer balance, ledger, creditor agreement, application, complaint, registration, named-case lookup, contact, purchase, court filing, account or local file created or obtained."]]},{"headers":[],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Provision","Displayed operative/provision date","Why it matters"],["CONC 8.2.4R","26 November 2021","MoneyHelper first-contact/website signposting."],["CONC 8.3.9R–8.3.16R","2 June 2023 for the specified debt-packager rules","Referral-payment prohibition has a specific scope and accrued-right qualification."],["CONC 8.3.10G","26 June 2026","Updated interpretive guidance; distinct from original prohibition commencement."],["CONC 8.3.4R / 8.3.4AR","1 April 2014 / 28 September 2015","Durable advice requirement versus precisely conditioned no-contract exception."],["CONC 8.7.2R–8.7.4R","1 April 2014","Fee priority, FCA guidance distinction and remedial fee refunds."],["CONC 8.7.6R","1 October 2015","Specific prohibited charging/payment practices."],["CONC 11.1.1R","2 January 2015","Qualifying distance-contract cancellation."],["CONC 11.1.2AG","15 July 2026","Later deferred-payment-credit explanation; not a rewrite of every debt-service contract."],["CASS 11.2.4R","7 May 2025","Firm classification notification particulars differ from original 2014 rules."],["CASS 11.10.1R–11.10.7G","1 April 2014","Binding creditor-payment duties alongside non-binding five-business-day guidance."],["COMP 4.2.1R–4.2.2R","17 March 2026","Current FSCS claimant eligibility wording, including debt-management natural-person rule."],["COMP 5.8.1R","1 April 2018","Protected debt-management business defined by client-money shortfall."],["COMP 10.2.3R","29 July 2022 displayed","Protected debt-management compensation entry remains £85,000 in the page read."]]},{"headers":[],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Test","Outcome"],["Did the pass distinguish permission to carry on an activity from FCA registration, charitable status and professional status?","Yes, with statutory confirmation held — C011–C020."],["Did it distinguish debt-adjusting, counselling, collecting, insolvency work and payment distribution?","Yes at FCA-guidance level — C003–C007, C016–C018; statutory and payment-services interfaces remain partial."],["Did it avoid treating all debts, business borrowers and UK nations alike?","Yes — C001–C002, C009–C010, C026, C058–C061, EW-E07–E11."],["Did it identify binding rules versus guidance, particularly on DMP fee allocations and creditor payment timing?","Yes — C031–C032 and C045."],["Did it establish a universal fee cap or compulsory settlement percentage?","No such claim made. Actual rules provide suitability, disclosure, timing/allocation, unfair-charge and refund tests, not a general fee formula."],["Did it test cancellation charge predicates and separate dispatch/receipt clocks?","Yes — C036–C038 and Scenario 4. No calendar deadline invented."],["Did it separate firm money, client money, pooling, FOS and FSCS?","Yes — C039–C054 and Scenarios 4–6, subject to actual factual entitlements."],["Did it treat individual FOS awards as universally binding?","No — C055–C056; posture and limited evidence specified."],["Are exact primary statute provisions, exceptions, currency and transitional effects all independently verified?","No — material hold. S001/S002/S065/S066 failed to supply operative text."],["Were named providers or private consumers investigated?","No. Only public reference documents and bounded published general decisions."],["Are the source, atomic-claim and coverage registers visible and sequential?","Yes: S001–S066; C001–C061; EW-A01–A19, B01–B15, C01–C23, D01–D19, E01–E13 and F01–F25."],["Does this self-check constitute independent review or acceptance?","No. It is a researcher-generated reconciliation; a coordinator must independently reopen consequential sources and check the examples."]]},{"headers":[],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Opportunity","What the evidence can responsibly power now","Gate before publication"],["“Does this debt-advice firm need FCA permission?”","Activity-first educational decision tree: general information versus individual advice/negotiation, debtor form, business test, claimed exemption, permissions versus registration.","Operative RAO/FSMA text and exclusions must be independently verified. Do not label a specific firm legal/illegal without evidence."],["“How to verify a UK debt-management provider”","Checklist for FCA Register status, exact permitted activities, principal/AR relationship, trading identity, fee documentation and client-money disclosures.","Use only official public lookup instructions; actual firm results would require separate authorisation."],["DMP fee/repayment allocation explainer","Show how money received splits into actual fees and creditor repayments and why first-month repayment and continuing affordability matter.","No assumed universal fee cap, accepted offer, interest freeze or payment forecast."],["Annotated consumer debt-solution agreement","Tag services, duration, fee formula, cancellation clauses, creditor payment schedule, refund events, client-money terms and prohibited liability/no-refund wording against CONC pinpoints.","A generic checklist only until an actual permissible document is obtained; avoid invented contractual clauses presented as standard."],["Client-money accountability worksheet","Track date, type and cleared status of receipt; client/firm portions; creditor instruction, distribution, delay reason and return.","CASS rules, business-day definitions and contract holding exceptions independently checked for live use."],["DMP versus IVA/DRO/breathing-space comparison","Explain voluntary creditor assent versus formally entered statutory processes, appropriate professionals and evidence of entry.","Full eligibility, legal effects, current cost/threshold and local E/W detail need their own passes."],["Complaint versus compensation route guide","Distinguish provider internal complaint, possible FOS route, FCA supervision, litigation and FSCS protected client-money shortfall.","Jurisdiction/claimant/default/date and actual loss facts must always be gated; never promise an award."]]}],"claims":[{"claim_id":"C_EW-P01-C001","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C001","Exact proposition and triggering conditions":"Debt-advice perimeter turns on credit agreements relevant to RAO art 60B, the definition of “individual” and the covered debt activity; qualifying natural persons, some partnerships and unincorporated bodies differ from corporate borrowers. Business use alone is not a reliable exemption.","Required action, consequence and limitation":"Identify debtor legal form, contract and credit purpose; do not presume all business debt is covered. Statutory text held.","Primary source/pinpoint":"S003 PERG 2.6.30G; S004 Glossary individual; S020 CONC 8.1.4G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S003","C_EW-P01-S004","C_EW-P01-S020"],"coordinator_review":{"claim_id":"C_EW-P01-C001","researcher_claim":"Debt-advice perimeter turns on credit agreements relevant to RAO art 60B, the definition of “individual” and the covered debt activity; qualifying natural persons, some partnerships and unincorporated bodies differ from corporate borrowers. Business use alone is not a reliable exemption.","original_pointer":"S003 PERG 2.6.30G; S004 Glossary individual; S020 CONC 8.1.4G","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C002","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C002","Exact proposition and triggering conditions":"Consumer-hire agreements under the RAO definition can enter the debt-activity perimeter; the period and type of agreement, including the relevant more-than-three-month criterion, matter.","Required action, consequence and limitation":"Obtain hire contract; distinguish hire from hire-purchase and other finance. RAO 60N text held.","Primary source/pinpoint":"S003 PERG 2.6.31G; S001 failed RAO"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S003","C_EW-P01-S001"],"coordinator_review":{"claim_id":"C_EW-P01-C002","researcher_claim":"Consumer-hire agreements under the RAO definition can enter the debt-activity perimeter; the period and type of agreement, including the relevant more-than-three-month criterion, matter.","original_pointer":"S003 PERG 2.6.31G; S001 failed RAO","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C003","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C003","Exact proposition and triggering conditions":"Debt adjusting includes specified negotiations about payment terms, taking over responsibility for discharging qualifying debts or similar activities on a debtor's behalf.","Required action, consequence and limitation":"Check actual service; arranging a compromise can be covered even without holding funds.","Primary source/pinpoint":"S005 PERG 2.7.8BG–CG; S006 PERG 17.3 Q3.1–Q3.3; RAO 39D unread"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S005","C_EW-P01-S006"],"coordinator_review":{"claim_id":"C_EW-P01-C003","researcher_claim":"Debt adjusting includes specified negotiations about payment terms, taking over responsibility for discharging qualifying debts or similar activities on a debtor's behalf.","original_pointer":"S005 PERG 2.7.8BG–CG; S006 PERG 17.3 Q3.1–Q3.3; RAO 39D unread","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C004","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C004","Exact proposition and triggering conditions":"Debt counselling concerns advice to a debtor about liquidation of relevant debt, not merely use of the colloquial term “counselling.”","Required action, consequence and limitation":"Classify the advice and recipient; assess whether it recommends a debt-liquidation course.","Primary source/pinpoint":"S005 PERG 2.7.8DG–EG; S006 PERG 17.3; RAO 39E unread"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S005","C_EW-P01-S006"],"coordinator_review":{"claim_id":"C_EW-P01-C004","researcher_claim":"Debt counselling concerns advice to a debtor about liquidation of relevant debt, not merely use of the colloquial term “counselling.”","original_pointer":"S005 PERG 2.7.8DG–EG; S006 PERG 17.3; RAO 39E unread","coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C005","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C005","Exact proposition and triggering conditions":"Relevant debt-liquidation advice can concern liabilities under credit agreements not themselves regulated consumer-credit agreements; the precise agreement class and advice still control.","Required action, consequence and limitation":"Do not equate “underlying loan exempt from lending regulation” with “all debt advice unregulated.”","Primary source/pinpoint":"S006 PERG 17; S020 CONC 8.1.4G; qualified by S001 gap"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S006","C_EW-P01-S020","C_EW-P01-S001"],"coordinator_review":{"claim_id":"C_EW-P01-C005","researcher_claim":"Relevant debt-liquidation advice can concern liabilities under credit agreements not themselves regulated consumer-credit agreements; the precise agreement class and advice still control.","original_pointer":"S006 PERG 17; S020 CONC 8.1.4G; qualified by S001 gap","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C006","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C006","Exact proposition and triggering conditions":"General impartial information and personal advice/decision-tree recommendations can receive different regulatory treatment depending on their content, individualisation and context.","Required action, consequence and limitation":"Inspect scripts, questions and output before classifying a website or lead funnel.","Primary source/pinpoint":"S006 PERG 17.3–17.5"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S006"],"coordinator_review":{"claim_id":"C_EW-P01-C006","researcher_claim":"General impartial information and personal advice/decision-tree recommendations can receive different regulatory treatment depending on their content, individualisation and context.","original_pointer":"S006 PERG 17.3–17.5","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C007","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C007","Exact proposition and triggering conditions":"Debt collecting, debt administration, debt adjusting and debt counselling are distinct activity descriptions, potentially with overlapping facts.","Required action, consequence and limitation":"A collector or payment administrator is not automatically a debtor adviser; classify each act independently.","Primary source/pinpoint":"S005 PERG 2.7; S006 PERG 17"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S005","C_EW-P01-S006"],"coordinator_review":{"claim_id":"C_EW-P01-C007","researcher_claim":"Debt collecting, debt administration, debt adjusting and debt counselling are distinct activity descriptions, potentially with overlapping facts.","original_pointer":"S005 PERG 2.7; S006 PERG 17","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C008","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C008","Exact proposition and triggering conditions":"FCA's credit-activity business-test interpretation does not make receiving a consumer fee indispensable; repeated free/nonprofit advice may still be by way of business.","Required action, consequence and limitation":"Test activities, regularity, organisation and any exception before claiming exclusion.","Primary source/pinpoint":"S007 PERG 2.3.2G(3B), 2.3.3G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S007"],"coordinator_review":{"claim_id":"C_EW-P01-C008","researcher_claim":"FCA's credit-activity business-test interpretation does not make receiving a consumer fee indispensable; repeated free/nonprofit advice may still be by way of business.","original_pointer":"S007 PERG 2.3.2G(3B), 2.3.3G","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C009","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C009","Exact proposition and triggering conditions":"Territorial regulation depends on the UK statutory nexus and business facts; offshore location neither proves nor disproves coverage.","Required action, consequence and limitation":"Investigate marketing direction, contracting, performance and relevant establishment. FSMA s 19/s 418 operative text unverified; no conclusive remote outcome.","Primary source/pinpoint":"S012 PERG 2.4.2G–2.4.5G; S002 failed FSMA"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S012","C_EW-P01-S002"],"coordinator_review":{"claim_id":"C_EW-P01-C009","researcher_claim":"Territorial regulation depends on the UK statutory nexus and business facts; offshore location neither proves nor disproves coverage.","original_pointer":"S012 PERG 2.4.2G–2.4.5G; S002 failed FSMA","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C010","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C010","Exact proposition and triggering conditions":"CONC has an application rule for specified activity carried on from outside a UK establishment where the customer is habitually resident in the UK, subject to the exact rule and exceptions.","Required action, consequence and limitation":"Apply CONC 1.2.5R only when its predicates hold; it is not by itself a universal offshore licensing provision.","Primary source/pinpoint":"S013 CONC 1.2.5R; S012 PERG 2.4"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S013","C_EW-P01-S012"],"coordinator_review":{"claim_id":"C_EW-P01-C010","researcher_claim":"CONC has an application rule for specified activity carried on from outside a UK establishment where the customer is habitually resident in the UK, subject to the exact rule and exceptions.","original_pointer":"S013 CONC 1.2.5R; S012 PERG 2.4","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C011","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C011","Exact proposition and triggering conditions":"A covered actor requires an appropriate legal route; FCA authorisation, particular activity permission, registration and claimed exemption are not synonyms.","Required action, consequence and limitation":"Check specific permitted activities, limitations and effective history; unauthorised activity raises legal consequences but does not erase creditor debt.","Primary source/pinpoint":"S019 PERG 2.2.1G–AG; S017–S018 official register instructions"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S019","C_EW-P01-S017","C_EW-P01-S018"],"coordinator_review":{"claim_id":"C_EW-P01-C011","researcher_claim":"A covered actor requires an appropriate legal route; FCA authorisation, particular activity permission, registration and claimed exemption are not synonyms.","original_pointer":"S019 PERG 2.2.1G–AG; S017–S018 official register instructions","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C012","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C012","Exact proposition and triggering conditions":"Limited-permission consumer-credit routes exist, but a limited permission for incidental broking/another narrow activity is not blanket permission to operate debt management or negotiate all debts.","Required action, consequence and limitation":"Match actual RAO activities against precise firm permissions; full-permission work may be required.","Primary source/pinpoint":"S015 FCA debt-permission limitations; S016 motor dealers"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S015","C_EW-P01-S016"],"coordinator_review":{"claim_id":"C_EW-P01-C012","researcher_claim":"Limited-permission consumer-credit routes exist, but a limited permission for incidental broking/another narrow activity is not blanket permission to operate debt management or negotiate all debts.","original_pointer":"S015 FCA debt-permission limitations; S016 motor dealers","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C013","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C013","Exact proposition and triggering conditions":"An appointed representative route is conditional on covered activities, a qualifying written principal arrangement and SUP rules; the principal assumes specified responsibility.","Required action, consequence and limitation":"Verify both the representative's scope and principal, including timing; no presumption that all debt-adjusting work is eligible.","Primary source/pinpoint":"S014 SUP 12.2.2G–.7G, 12.4.1AG; S013 CONC 1.2.3G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S014","C_EW-P01-S013"],"coordinator_review":{"claim_id":"C_EW-P01-C013","researcher_claim":"An appointed representative route is conditional on covered activities, a qualifying written principal arrangement and SUP rules; the principal assumes specified responsibility.","original_pointer":"S014 SUP 12.2.2G–.7G, 12.4.1AG; S013 CONC 1.2.3G","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C014","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C014","Exact proposition and triggering conditions":"Charitable/nonprofit identity or providing services free does not itself confer blanket exemption; only an actually qualifying route/exclusion changes the result.","Required action, consequence and limitation":"Distinguish status, activity and any scheme predicate; fee-free customers still need appropriate advice standards when applicable.","Primary source/pinpoint":"S007 PERG 2.3; S011 PERG 2.11.5G; S020 CONC 8"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S007","C_EW-P01-S011","C_EW-P01-S020"],"coordinator_review":{"claim_id":"C_EW-P01-C014","researcher_claim":"Charitable/nonprofit identity or providing services free does not itself confer blanket exemption; only an actually qualifying route/exclusion changes the result.","original_pointer":"S007 PERG 2.3; S011 PERG 2.11.5G; S020 CONC 8","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C015","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C015","Exact proposition and triggering conditions":"Designated-profession treatment under FSMA s 327 depends on detailed incidental, professional-body, remuneration and activity conditions; separate advocacy/litigation settings differ.","Required action, consequence and limitation":"Check professional capacity and body rules; ordinary debt business by a lawyer/accountant is not categorically unregulated.","Primary source/pinpoint":"S008 PERG 2.8.7CG branches; S010 PERG 2.10.12G–.16G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S008","C_EW-P01-S010"],"coordinator_review":{"claim_id":"C_EW-P01-C015","researcher_claim":"Designated-profession treatment under FSMA s 327 depends on detailed incidental, professional-body, remuneration and activity conditions; separate advocacy/litigation settings differ.","original_pointer":"S008 PERG 2.8.7CG branches; S010 PERG 2.10.12G–.16G","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C016","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C016","Exact proposition and triggering conditions":"Activities by an insolvency practitioner acting in the defined statutory capacity or reasonable contemplation of appointment can be excluded from certain debt-adjusting analysis.","Required action, consequence and limitation":"Verify appointment/anticipated appointment and task; the same professional's unrelated commercial advice may be in scope. Insolvency licence ≠ FCA permission.","Primary source/pinpoint":"S009 PERG 2.9.25G–.27G; S033 CONC 10.2.10G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S009","C_EW-P01-S033"],"coordinator_review":{"claim_id":"C_EW-P01-C016","researcher_claim":"Activities by an insolvency practitioner acting in the defined statutory capacity or reasonable contemplation of appointment can be excluded from certain debt-adjusting analysis.","original_pointer":"S009 PERG 2.9.25G–.27G; S033 CONC 10.2.10G","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C017","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C017","Exact proposition and triggering conditions":"Certain creditors, owners, suppliers or related actors handling their own debt fall within specifically conditioned RAO exclusions rather than a universal “creditor exempt” rule.","Required action, consequence and limitation":"Establish actual beneficial interest/relationship and excluded activity; third-party services may differ.","Primary source/pinpoint":"S008 PERG 2.8.7CG(1), (3)–(6), interpreting RAO 39H–39K"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S008"],"coordinator_review":{"claim_id":"C_EW-P01-C017","researcher_claim":"Certain creditors, owners, suppliers or related actors handling their own debt fall within specifically conditioned RAO exclusions rather than a universal “creditor exempt” rule.","original_pointer":"S008 PERG 2.8.7CG(1), (3)–(6), interpreting RAO 39H–39K","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C018","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C018","Exact proposition and triggering conditions":"Tracing, collecting, distributing payments and negotiating a debtor's liability are not necessarily the same activity; a payment intermediary may have additional financial-services issues.","Required action, consequence and limitation":"Map fund flow and legal role. Payment-services perimeter and every linked exclusion remain unresolved, not presumed safe.","Primary source/pinpoint":"S005 PERG 2.7; S011 PERG 2.11.4G; CASS S035–S041"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S005","C_EW-P01-S011","C_EW-P01-S035","C_EW-P01-S036","C_EW-P01-S037","C_EW-P01-S038","C_EW-P01-S039","C_EW-P01-S040","C_EW-P01-S041"],"coordinator_review":{"claim_id":"C_EW-P01-C018","researcher_claim":"Tracing, collecting, distributing payments and negotiating a debtor's liability are not necessarily the same activity; a payment intermediary may have additional financial-services issues.","original_pointer":"S005 PERG 2.7; S011 PERG 2.11.4G; CASS S035–S041","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C019","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C019","Exact proposition and triggering conditions":"Specified enterprise-scheme activity is subject to a no-pecuniary-gain criterion and other particular conditions, not simply “small business debt” or “nonprofit.”","Required action, consequence and limitation":"Obtain scheme identity, purpose, remuneration and actual RAO conditions before reliance.","Primary source/pinpoint":"S011 PERG 2.11.5G; S001 operative exception failed"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S011","C_EW-P01-S001"],"coordinator_review":{"claim_id":"C_EW-P01-C019","researcher_claim":"Specified enterprise-scheme activity is subject to a no-pecuniary-gain criterion and other particular conditions, not simply “small business debt” or “nonprofit.”","original_pointer":"S011 PERG 2.11.5G; S001 operative exception failed","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C020","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C020","Exact proposition and triggering conditions":"Some local-authority/official functions receive specific treatment; breathing-space money-adviser eligibility is separately conditioned.","Required action, consequence and limitation":"Do not conflate local-government status, FCA exclusion and permission to initiate statutory respite.","Primary source/pinpoint":"S009 PERG 2.9; S063–S064 official breathing-space guidance"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S009","C_EW-P01-S063","C_EW-P01-S064"],"coordinator_review":{"claim_id":"C_EW-P01-C020","researcher_claim":"Some local-authority/official functions receive specific treatment; breathing-space money-adviser eligibility is separately conditioned.","original_pointer":"S009 PERG 2.9; S063–S064 official breathing-space guidance","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C021","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C021","Exact proposition and triggering conditions":"FCA Register and its consumer checking instructions permit public examination of identity, status, permissions, limitations, principal and historical records.","Required action, consequence and limitation":"Consumer compares legal name, exact service and genuine contact details. No named search here; records need transaction-date checking.","Primary source/pinpoint":"S017–S018, FCA public pages"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S017","C_EW-P01-S018"],"coordinator_review":{"claim_id":"C_EW-P01-C021","researcher_claim":"FCA Register and its consumer checking instructions permit public examination of identity, status, permissions, limitations, principal and historical records.","original_pointer":"S017–S018, FCA public pages","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C022","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C022","Exact proposition and triggering conditions":"Unauthorised regulated activity may engage prohibition/offence and agreement enforceability rules; consequences are fact- and statute-dependent.","Required action, consequence and limitation":"No automatic debt cancellation, universal restitution, release of security or reversal of judgment follows solely from a provider violation. Primary statutory sections not reopened.","Primary source/pinpoint":"S019 PERG 2.2.1G–AG; S001–S002 failed"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S019","C_EW-P01-S001","C_EW-P01-S002"],"coordinator_review":{"claim_id":"C_EW-P01-C022","researcher_claim":"Unauthorised regulated activity may engage prohibition/offence and agreement enforceability rules; consequences are fact- and statute-dependent.","original_pointer":"S019 PERG 2.2.1G–AG; S001–S002 failed","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C023","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C023","Exact proposition and triggering conditions":"Covered debt-management firms face CONC 10 solvency/resources rules, generally the higher of £5,000 or a formula on relevant debts under management: 0.25% first £5m + 0.15% next £95m + 0.05% remainder, with other-activity higher requirements and professional-firm exclusions.","Required action, consequence and limitation":"This is firm prudential capital, not a fee payable by a consumer, bond protecting each account or proven universal PII requirement. CONC 10 breaches are specified not privately actionable under s 138D.","Primary source/pinpoint":"S033 CONC 10.1.1R–.2R, .6R; 10.2.4R–.9R; 10.2.13R–.14R"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S033"],"coordinator_review":{"claim_id":"C_EW-P01-C023","researcher_claim":"Covered debt-management firms face CONC 10 solvency/resources rules, generally the higher of £5,000 or a formula on relevant debts under management: 0.25% first £5m + 0.15% next £95m + 0.05% remainder, with other-activity higher requirements and professional-firm exclusions.","original_pointer":"S033 CONC 10.1.1R–.2R, .6R; 10.2.4R–.9R; 10.2.13R–.14R","coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q003"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C024","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C024","Exact proposition and triggering conditions":"Applicable financial promotions must be clear, fair and not misleading and comply with debt-services disclosures; guaranteed settlements or false government affiliation raise concerns.","Required action, consequence and limitation":"Compare actual wording with CONC 3.3.1R and 3.9.3R/.5R/.7R; no automatic finding absent the advertisement/context.","Primary source/pinpoint":"S029 CONC 3.3.1R; S030 CONC 3.9"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S029","C_EW-P01-S030"],"coordinator_review":{"claim_id":"C_EW-P01-C024","researcher_claim":"Applicable financial promotions must be clear, fair and not misleading and comply with debt-services disclosures; guaranteed settlements or false government affiliation raise concerns.","original_pointer":"S029 CONC 3.3.1R; S030 CONC 3.9","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C025","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C025","Exact proposition and triggering conditions":"A debt management firm, specifically, must prominently state in its first written or oral communication that free relevant services exist and point to MoneyHelper; its website must carry the prescribed advice-locator link.","Required action, consequence and limitation":"Disclose at initial contact; not a generic duty applying identically to every free publisher.","Primary source/pinpoint":"S021 CONC 8.2.4R(1)–(2) (displayed 26 Nov 2021)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S021"],"coordinator_review":{"claim_id":"C_EW-P01-C025","researcher_claim":"A debt management firm, specifically, must prominently state in its first written or oral communication that free relevant services exist and point to MoneyHelper; its website must carry the prescribed advice-locator link.","original_pointer":"S021 CONC 8.2.4R(1)–(2) (displayed 26 Nov 2021)","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C026","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C026","Exact proposition and triggering conditions":"Covered advice/action must address best interests and individual circumstances following sufficiently full financial assessment, present suitable options and explain rejected ones; impartial UK-country-specific options also matter.","Required action, consequence and limitation":"Assess income, capital, expenditure, vulnerabilities, foreseeable changes and solution suitability; do not steer based only on provider earnings.","Primary source/pinpoint":"S022 CONC 8.3.2R(1)–(3), 8.3.7R(1)–(5); S021 8.2.2G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S022","C_EW-P01-S021"],"coordinator_review":{"claim_id":"C_EW-P01-C026","researcher_claim":"Covered advice/action must address best interests and individual circumstances following sufficiently full financial assessment, present suitable options and explain rejected ones; impartial UK-country-specific options also matter.","original_pointer":"S022 CONC 8.3.2R(1)–(3), 8.3.7R(1)–(5); S021 8.2.2G","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C027","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C027","Exact proposition and triggering conditions":"Advice normally requires a durable medium covering included/excluded debts, risks, priority nonpayment, legal action and lack of guaranteed suspension; the 8.3.4AR exception is only where not contracted and the firm reasonably concludes no contract is likely, with reasons recorded.","Required action, consequence and limitation":"Record disclosure and exception basis. An initial call does not categorically excuse durable advice.","Primary source/pinpoint":"S022 CONC 8.3.4R(1)–(6), 8.3.4AR(1)–(2) and 8.3.6AG"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S022"],"coordinator_review":{"claim_id":"C_EW-P01-C027","researcher_claim":"Advice normally requires a durable medium covering included/excluded debts, risks, priority nonpayment, legal action and lack of guaranteed suspension; the 8.3.4AR exception is only where not contracted and the firm reasonably concludes no contract is likely, with reasons recorded.","original_pointer":"S022 CONC 8.3.4R(1)–(6), 8.3.4AR(1)–(2) and 8.3.6AG","coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C028","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C028","Exact proposition and triggering conditions":"Firm must provide written debt-solution contract stating services, duration, cost/formula and termination/cancellation; prohibited terms include banning direct lender contact, disclaiming all liability or claiming no refund ever.","Required action, consequence and limitation":"Obtain contract; unenforceability/remedy of an individual clause is not finally determined without contract and applicable law.","Primary source/pinpoint":"S023 CONC 8.4.1R–8.4.4G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S023"],"coordinator_review":{"claim_id":"C_EW-P01-C028","researcher_claim":"Firm must provide written debt-solution contract stating services, duration, cost/formula and termination/cancellation; prohibited terms include banning direct lender contact, disclaiming all liability or claiming no refund ever.","original_pointer":"S023 CONC 8.4.1R–8.4.4G","coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C029","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C029","Exact proposition and triggering conditions":"A covered plan's financial statements and lender information must use the required financial picture, debts and proposed distribution, with consequential revisions when fees change available repayments.","Required action, consequence and limitation":"Obtain dated budget, creditor list, allocations and revised statements.","Primary source/pinpoint":"S024 CONC 8.5.1R; S026 CONC 8.7.4R(2)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S024","C_EW-P01-S026"],"coordinator_review":{"claim_id":"C_EW-P01-C029","researcher_claim":"A covered plan's financial statements and lender information must use the required financial picture, debts and proposed distribution, with consequential revisions when fees change available repayments.","original_pointer":"S024 CONC 8.5.1R; S026 CONC 8.7.4R(2)","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C030","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C030","Exact proposition and triggering conditions":"A provider must give specified creditor communication for payments withheld, have vulnerability procedures and keep DMPs under review; creditor participation and enforcement remain separate.","Required action, consequence and limitation":"Review actual payments, creditor replies, changing affordability, legal notices and updated advice.","Primary source/pinpoint":"S021 CONC 8.2.5R–8.2.8G; S025 CONC 8.6; S027 CONC 8.8.1R; S059 DMP guidance"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S021","C_EW-P01-S025","C_EW-P01-S027","C_EW-P01-S059"],"coordinator_review":{"claim_id":"C_EW-P01-C030","researcher_claim":"A provider must give specified creditor communication for payments withheld, have vulnerability procedures and keep DMPs under review; creditor participation and enforcement remain separate.","original_pointer":"S021 CONC 8.2.5R–8.2.8G; S025 CONC 8.6; S027 CONC 8.8.1R; S059 DMP guidance","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C031","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C031","Exact proposition and triggering conditions":"Under a DMP, CONC prohibits arranging fee amounts/timing so the customer pays all or substantially all fees ahead of lender repayments or cannot make significant lender repayments from month one and throughout. A compliant full-and-final holding model has a specified qualification.","Required action, consequence and limitation":"Examine actual first-month and ongoing distribution—not just total contracted fee. No universal percentage charge or universal “no upfront money” rule follows.","Primary source/pinpoint":"S026 CONC 8.7.2R(1)–(3)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S026"],"coordinator_review":{"claim_id":"C_EW-P01-C031","researcher_claim":"Under a DMP, CONC prohibits arranging fee amounts/timing so the customer pays all or substantially all fees ahead of lender repayments or cannot make significant lender repayments from month one and throughout. A compliant full-and-final holding model has a specified qualification.","original_pointer":"S026 CONC 8.7.2R(1)–(3)","coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C032","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C032","Exact proposition and triggering conditions":"FCA says allocating more than half sums received in any one-month period from the start of a DMP to fees is likely to undermine significant creditor repayment; charges for ongoing administration should generally be spread over the plan.","Required action, consequence and limitation":"Treat 8.7.3G as regulatory guidance, not a binding 50% statutory fee ceiling or a permission to take 50% routinely.","Primary source/pinpoint":"S026 CONC 8.7.3G(1)–(4)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S026"],"coordinator_review":{"claim_id":"C_EW-P01-C032","researcher_claim":"FCA says allocating more than half sums received in any one-month period from the start of a DMP to fees is likely to undermine significant creditor repayment; charges for ongoing administration should generally be spread over the plan.","original_pointer":"S026 CONC 8.7.3G(1)–(4)","coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C033","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C033","Exact proposition and triggering conditions":"Covered firms cannot demand payment for a debt solution before entering the contract, take payments without specific continuing authority, normally charge fees by credit card/credit, charge impermissible repeated set-up costs, or impose disproportionate cancellation charges.","Required action, consequence and limitation":"Match payment source, customer mandate, agreed fee, work already done and any permitted exception.","Primary source/pinpoint":"S026 CONC 8.7.6R(1)–(8)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S026"],"coordinator_review":{"claim_id":"C_EW-P01-C033","researcher_claim":"Covered firms cannot demand payment for a debt solution before entering the contract, take payments without specific continuing authority, normally charge fees by credit card/credit, charge impermissible repeated set-up costs, or impose disproportionate cancellation charges.","original_pointer":"S026 CONC 8.7.6R(1)–(8)","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C034","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C034","Exact proposition and triggering conditions":"Where advice is identified or established as incorrect/inappropriate, fees imposed for that advice must be refunded/credited; where services are wholly or partly absent or lack reasonable skill/care, an appropriate fee refund is required. Relevant commissions must be disclosed.","Required action, consequence and limitation":"Identify the particular charge, faulty advice or unperformed service; calculate resulting refund instead of treating all provider receipts as fees.","Primary source/pinpoint":"S026 CONC 8.7.4R(1)–(4); S023 8.4.4G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S026","C_EW-P01-S023"],"coordinator_review":{"claim_id":"C_EW-P01-C034","researcher_claim":"Where advice is identified or established as incorrect/inappropriate, fees imposed for that advice must be refunded/credited; where services are wholly or partly absent or lack reasonable skill/care, an appropriate fee refund is required. Relevant commissions must be disclosed.","original_pointer":"S026 CONC 8.7.4R(1)–(4); S023 8.4.4G","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C035","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C035","Exact proposition and triggering conditions":"Specified debt-packaging advisers who do not themselves provide debt solutions face a prohibition on referral remuneration from solution providers, including associates/AR steps, subject to not-for-profit-body exclusion, statutory/official exceptions and pre-commencement accrued-right qualification.","Required action, consequence and limitation":"Check adviser business model, direct/indirect remuneration, 2 June 2023 rule and 26 June 2026 guidance versions; prohibition does not apply universally to every referral.","Primary source/pinpoint":"S022 CONC 8.3.9R–8.3.16R, especially 8.3.9R(1)–(2), 8.3.11R(1)–(2), 8.3.14R"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S022"],"coordinator_review":{"claim_id":"C_EW-P01-C035","researcher_claim":"Specified debt-packaging advisers who do not themselves provide debt solutions face a prohibition on referral remuneration from solution providers, including associates/AR steps, subject to not-for-profit-body exclusion, statutory/official exceptions and pre-commencement accrued-right qualification.","original_pointer":"S022 CONC 8.3.9R–8.3.16R, especially 8.3.9R(1)–(2), 8.3.11R(1)–(2), 8.3.14R","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C036","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C036","Exact proposition and triggering conditions":"Qualifying distance contracts concerning debt counselling/adjusting can be cancelled without reason/penalty within 14 calendar days; CONC 11.1.1R has exclusions, and this specified limb excludes services in relation to consumer hire.","Required action, consequence and limitation":"First identify distance contract, consumer, service type and exclusions; neither every online enquiry nor every hire agreement qualifies.","Primary source/pinpoint":"S032 CONC 11.1.1R–11.1.2R"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S032"],"coordinator_review":{"claim_id":"C_EW-P01-C036","researcher_claim":"Qualifying distance contracts concerning debt counselling/adjusting can be cancelled without reason/penalty within 14 calendar days; CONC 11.1.1R has exclusions, and this specified limb excludes services in relation to consumer hire.","original_pointer":"S032 CONC 11.1.1R–11.1.2R","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C037","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C037","Exact proposition and triggering conditions":"The cancellation period starts at contract-making or the later receipt of specified contractual/precontract information; prescribed notice dispatched before expiry can satisfy the exercise requirement.","Required action, consequence and limitation":"Preserve contract date, actual information receipt, method, accessibility and dispatch evidence. No actual calendar deadline calculated.","Primary source/pinpoint":"S032 CONC 11.1.5R, 11.1.6R, 11.1.7R–8G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S032"],"coordinator_review":{"claim_id":"C_EW-P01-C037","researcher_claim":"The cancellation period starts at contract-making or the later receipt of specified contractual/precontract information; prescribed notice dispatched before expiry can satisfy the exercise requirement.","original_pointer":"S032 CONC 11.1.5R, 11.1.6R, 11.1.7R–8G","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C038","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C038","Exact proposition and triggering conditions":"On valid cancellation, a firm may charge only proportionately for services actually given, without penalty, and only if it proves appropriate information and the customer's prior request for early performance. It must return other sums without undue delay and within 30 calendar days of receiving cancellation; separate consumer return obligation starts from consumer dispatch.","Required action, consequence and limitation":"Work out earned service amount conditionally; if proof/request is missing, the 11.1.11R charge fails. Distinguish firm-receipt from customer-dispatch clocks; no deadline date assumed.","Primary source/pinpoint":"S032 CONC 11.1.10R–11.1.14R; S026 8.7.1G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S032","C_EW-P01-S026"],"coordinator_review":{"claim_id":"C_EW-P01-C038","researcher_claim":"On valid cancellation, a firm may charge only proportionately for services actually given, without penalty, and only if it proves appropriate information and the customer's prior request for early performance. It must return other sums without undue delay and within 30 calendar days of receiving cancellation; separate consumer return obligation starts from consumer dispatch.","original_pointer":"S032 CONC 11.1.10R–11.1.14R; S026 8.7.1G","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C039","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C039","Exact proposition and triggering conditions":"CASS 11 applies to a defined CASS debt management firm receiving/holding money for DMP or creditor distribution. Properly due fees and completed distributions differ from client funds awaiting disbursement.","Required action, consequence and limitation":"Reconcile purpose, receipt, appropriation and creditor payment before designating money as firm revenue. Professional and other scope exclusions need checking.","Primary source/pinpoint":"S035 CASS 11.1.1R–.6R; S038 CASS 11.4"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S035","C_EW-P01-S038"],"coordinator_review":{"claim_id":"C_EW-P01-C039","researcher_claim":"CASS 11 applies to a defined CASS debt management firm receiving/holding money for DMP or creditor distribution. Properly due fees and completed distributions differ from client funds awaiting disbursement.","original_pointer":"S035 CASS 11.1.1R–.6R; S038 CASS 11.4","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C040","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C040","Exact proposition and triggering conditions":"Qualifying client money is subject to the CASS statutory trust and segregation/account protections.","Required action, consequence and limitation":"Maintain protected account/ownership records; a breached trust duty does not guarantee intact assets or automatic recovery.","Primary source/pinpoint":"S039 CASS 11.6.1R; S041 CASS 11.9"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S039","C_EW-P01-S041"],"coordinator_review":{"claim_id":"C_EW-P01-C040","researcher_claim":"Qualifying client money is subject to the CASS statutory trust and segregation/account protections.","original_pointer":"S039 CASS 11.6.1R; S041 CASS 11.9","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C041","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C041","Exact proposition and triggering conditions":"CASS classifies firms using the highest amount held in the last calendar year—or relevant projected current-year holding—with large ≥ £1 million and small below £1 million; notification, effective date and optional large classification have separate conditions.","Required action, consequence and limitation":"Apply classification and required reconciliation/oversight, not a customer-specific fund guarantee. The 7 May 2025 notification amendment differs from original 2014 classification rules.","Primary source/pinpoint":"S036 CASS 11.2.1R–11.2.8R; S043 11.11"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S036","C_EW-P01-S043"],"coordinator_review":{"claim_id":"C_EW-P01-C041","researcher_claim":"CASS classifies firms using the highest amount held in the last calendar year—or relevant projected current-year holding—with large ≥ £1 million and small below £1 million; notification, effective date and optional large classification have separate conditions.","original_pointer":"S036 CASS 11.2.1R–11.2.8R; S043 11.11","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C042","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C042","Exact proposition and triggering conditions":"Covered client bank account arrangements require specified bank acknowledgment and record/account procedures, with account eligibility and timing conditions.","Required action, consequence and limitation":"Examine actual acknowledgment, account name, bank and records; mere “segregated” advertising is not proof.","Primary source/pinpoint":"S040 CASS 11.8.2R, 11.8.8R, associated rules"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S040"],"coordinator_review":{"claim_id":"C_EW-P01-C042","researcher_claim":"Covered client bank account arrangements require specified bank acknowledgment and record/account procedures, with account eligibility and timing conditions.","original_pointer":"S040 CASS 11.8.2R, 11.8.8R, associated rules","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C043","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C043","Exact proposition and triggering conditions":"CASS imposes defined treatment for cash and cheques, including applicable next-business-day banking, and allocation between client and firm parts of mixed remittances.","Required action, consequence and limitation":"Record receipt form, cleared status, account route and whether any part was lawfully firm money.","Primary source/pinpoint":"S041 CASS 11.9, cash/cheque and mixed-remittance provisions"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S041"],"coordinator_review":{"claim_id":"C_EW-P01-C043","researcher_claim":"CASS imposes defined treatment for cash and cheques, including applicable next-business-day banking, and allocation between client and firm parts of mixed remittances.","original_pointer":"S041 CASS 11.9, cash/cheque and mixed-remittance provisions","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C044","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C044","Exact proposition and triggering conditions":"Client-level identification and recording/allocation of incoming money must follow CASS 11.9 requirements, including the applicable five-business-day allocation requirement.","Required action, consequence and limitation":"Compare actual ledger timestamps, source and recipient accounts; this clock differs from creditor-distribution guidance.","Primary source/pinpoint":"S041 CASS 11.9 allocation rules; S043 11.11"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S041","C_EW-P01-S043"],"coordinator_review":{"claim_id":"C_EW-P01-C044","researcher_claim":"Client-level identification and recording/allocation of incoming money must follow CASS 11.9 requirements, including the applicable five-business-day allocation requirement.","original_pointer":"S041 CASS 11.9 allocation rules; S043 11.11","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C045","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C045","Exact proposition and triggering conditions":"Creditors must ordinarily receive client money as soon as reasonably practicable. FCA guidance says normally within five business days of cleared receipt; delay under 11.10.3R requires all three precontract conditions, and additional notifications/daily checks may apply.","Required action, consequence and limitation":"Test contract express term, separate notice, risk explanation, creditor notice and daily records. Five days is not a universal strict statutory maximum.","Primary source/pinpoint":"S042 CASS 11.10.1R–11.10.5R; .2G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S042"],"coordinator_review":{"claim_id":"C_EW-P01-C045","researcher_claim":"Creditors must ordinarily receive client money as soon as reasonably practicable. FCA guidance says normally within five business days of cleared receipt; delay under 11.10.3R requires all three precontract conditions, and additional notifications/daily checks may apply.","original_pointer":"S042 CASS 11.10.1R–11.10.5R; .2G","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C046","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C046","Exact proposition and triggering conditions":"Where a firm fails to pay as soon as reasonably practicable, CASS 11.10.6R can require restoring the client's financial position; specified lawful long-holding and circumstances outside firm control qualify the duty.","Required action, consequence and limitation":"Prove causation and extra charges/interest, and check exclusions; FCA guidance explains likely heads, not automatic predetermined compensation.","Primary source/pinpoint":"S042 CASS 11.10.6R(1)–(2), 11.10.7G"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S042"],"coordinator_review":{"claim_id":"C_EW-P01-C046","researcher_claim":"Where a firm fails to pay as soon as reasonably practicable, CASS 11.10.6R can require restoring the client's financial position; specified lawful long-holding and circumstances outside firm control qualify the duty.","original_pointer":"S042 CASS 11.10.6R(1)–(2), 11.10.7G","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C047","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C047","Exact proposition and triggering conditions":"A consumer’s instruction withdrawing unused money and cancellation may require money return, with CASS operating duties and any separate CONC 11 deadline each assessed on its own predicates.","Required action, consequence and limitation":"Obtain written withdrawal, fee/itemisation, ledger and proof of payments made. Any “normally within five business days” shorthand must retain its guidance status and precise context.","Primary source/pinpoint":"S041 CASS 11.9 withdrawal/return provisions; S032 11.1.12R"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S041","C_EW-P01-S032"],"coordinator_review":{"claim_id":"C_EW-P01-C047","researcher_claim":"A consumer’s instruction withdrawing unused money and cancellation may require money return, with CASS operating duties and any separate CONC 11 deadline each assessed on its own predicates.","original_pointer":"S041 CASS 11.9 withdrawal/return provisions; S032 11.1.12R","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C048","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C048","Exact proposition and triggering conditions":"Defined firm/bank failures trigger CASS 11.13 pooling and rateable entitlements; insolvency, bank failure or misallocation may leave a shortfall.","Required action, consequence and limitation":"Reconstruct client entitlement and relevant pool; neither segregation nor FSCS provides unconditional full repayment.","Primary source/pinpoint":"S045 CASS 11.13; S043 11.11; S053 COMP 5.8.1R"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S045","C_EW-P01-S043","C_EW-P01-S053"],"coordinator_review":{"claim_id":"C_EW-P01-C048","researcher_claim":"Defined firm/bank failures trigger CASS 11.13 pooling and rateable entitlements; insolvency, bank failure or misallocation may leave a shortfall.","original_pointer":"S045 CASS 11.13; S043 11.11; S053 COMP 5.8.1R","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C049","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C049","Exact proposition and triggering conditions":"Specified Handbook rules can support a private damages action under the FSMA s 138D framework, subject to schedules, claimant status and ordinary proof; CONC 10.1.6R expressly excludes such action for CONC 10.","Required action, consequence and limitation":"Distinguish FCA discipline, contract refunds, s 138D damages, FOS and FSCS. Do not infer every breach automatically voids contract or creditor debt.","Primary source/pinpoint":"S034 CONC Sch 5; S046 CASS Sch 5; S033 CONC 10.1.6R; S002 statutory text unavailable"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S034","C_EW-P01-S046","C_EW-P01-S033","C_EW-P01-S002"],"coordinator_review":{"claim_id":"C_EW-P01-C049","researcher_claim":"Specified Handbook rules can support a private damages action under the FSMA s 138D framework, subject to schedules, claimant status and ordinary proof; CONC 10.1.6R expressly excludes such action for CONC 10.","original_pointer":"S034 CONC Sch 5; S046 CASS Sch 5; S033 CONC 10.1.6R; S002 statutory text unavailable","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C050","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C050","Exact proposition and triggering conditions":"FOS consideration requires a respondent/activity within DISP jurisdiction and an eligible complainant with the necessary relationship.","Required action, consequence and limitation":"Determine complainant type, respondent, complaint matter and compulsory/voluntary coverage before referring.","Primary source/pinpoint":"S047 DISP 1; S048 DISP 2.3.1R; S049 DISP 2.7"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S047","C_EW-P01-S048","C_EW-P01-S049"],"coordinator_review":{"claim_id":"C_EW-P01-C050","researcher_claim":"FOS consideration requires a respondent/activity within DISP jurisdiction and an eligible complainant with the necessary relationship.","original_pointer":"S047 DISP 1; S048 DISP 2.3.1R; S049 DISP 2.7","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C051","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C051","Exact proposition and triggering conditions":"Ordinary FOS sequencing involves an initial firm complaint, a usual eight-week stage, normally six months after qualifying final response, and six years from event or later three years from awareness, subject to exclusions, consent and exceptional circumstances.","Required action, consequence and limitation":"Preserve firm-receipt proof, final response and awareness facts. Do not compute filing dates from a bare event date.","Primary source/pinpoint":"S047 DISP 1.6.1R–.2R; S050 DISP 2.8.1R–.2R; S056 official explanation"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S047","C_EW-P01-S050","C_EW-P01-S056"],"coordinator_review":{"claim_id":"C_EW-P01-C051","researcher_claim":"Ordinary FOS sequencing involves an initial firm complaint, a usual eight-week stage, normally six months after qualifying final response, and six years from event or later three years from awareness, subject to exclusions, consent and exceptional circumstances.","original_pointer":"S047 DISP 1.6.1R–.2R; S050 DISP 2.8.1R–.2R; S056 official explanation","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C052","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C052","Exact proposition and triggering conditions":"FSCS protected debt-management business is UK-establishment CASS debt-management activity only in relation to client-money shortfall, not a free-standing insurance policy for bad advice, all fees or unsuccessful negotiations.","Required action, consequence and limitation":"Identify regulated money-holding role, UK branch, reconciled shortage and claim character.","Primary source/pinpoint":"S053 COMP 5.8.1R; S055 FSCS limitations"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S053","C_EW-P01-S055"],"coordinator_review":{"claim_id":"C_EW-P01-C052","researcher_claim":"FSCS protected debt-management business is UK-establishment CASS debt-management activity only in relation to client-money shortfall, not a free-standing insurance policy for bad advice, all fees or unsuccessful negotiations.","original_pointer":"S053 COMP 5.8.1R; S055 FSCS limitations","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C053","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C053","Exact proposition and triggering conditions":"FSCS payment further requires qualifying default and eligible claimant; for this particular protected-debt-management category, non-natural persons are excluded.","Required action, consequence and limitation":"Verify default, inability to meet claim and natural-person status; a qualifying contract alone is insufficient.","Primary source/pinpoint":"S051 COMP 3.2.1R; S052 COMP 4.2.1R–4.2.2R(20)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S051","C_EW-P01-S052"],"coordinator_review":{"claim_id":"C_EW-P01-C053","researcher_claim":"FSCS payment further requires qualifying default and eligible claimant; for this particular protected-debt-management category, non-natural persons are excluded.","original_pointer":"S051 COMP 3.2.1R; S052 COMP 4.2.1R–4.2.2R(20)","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C054","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C054","Exact proposition and triggering conditions":"Under the current cited COMP table, covered debt-management shortfall pays 100% up to £85,000 in qualifying circumstances. FSCS describes £50,000 for qualifying firms failing 1 Apr 2018–31 Mar 2019, and £85,000 after that period.","Required action, consequence and limitation":"Check failure date, covered business, natural person, actual shortage, eligible firm and aggregation; this category is not the general bank-deposit limit.","Primary source/pinpoint":"S054 COMP 10.2.3R; S055 official dated-failure criteria"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S054","C_EW-P01-S055"],"coordinator_review":{"claim_id":"C_EW-P01-C054","researcher_claim":"Under the current cited COMP table, covered debt-management shortfall pays 100% up to £85,000 in qualifying circumstances. FSCS describes £50,000 for qualifying firms failing 1 Apr 2018–31 Mar 2019, and £85,000 after that period.","original_pointer":"S054 COMP 10.2.3R; S055 official dated-failure criteria","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C055","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C055","Exact proposition and triggering conditions":"Published 2015 FOS decision treated 24 × £240 = £5,760, less £80, producing £5,680, with specified interest treatment and £150 distress/redress.","Required action, consequence and limitation":"This was the ombudsman’s resolution on stated case facts; neither percentage, outcome nor award is universally mandated.","Primary source/pinpoint":"S057 published DRN2727544, PDF zero-based pp 0–1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S057"],"coordinator_review":{"claim_id":"C_EW-P01-C055","researcher_claim":"Published 2015 FOS decision treated 24 × £240 = £5,760, less £80, producing £5,680, with specified interest treatment and £150 distress/redress.","original_pointer":"S057 published DRN2727544, PDF zero-based pp 0–1","coordinator_status":"judicial_FOS_source_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C056","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C056","Exact proposition and triggering conditions":"Published 2025 FOS decision distinguished refund of firm fees and £600 compensation from creditor monies and speculative additional claims.","Required action, consequence and limitation":"Compare provider-controlled charges with other loss theories; result is case-specific and not binding tariff or settled class-wide claim.","Primary source/pinpoint":"S058 published DRN-5484433, PDF zero-based pp 0–6"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S058"],"coordinator_review":{"claim_id":"C_EW-P01-C056","researcher_claim":"Published 2025 FOS decision distinguished refund of firm fees and £600 compensation from creditor monies and speculative additional claims.","original_pointer":"S058 published DRN-5484433, PDF zero-based pp 0–6","coordinator_status":"judicial_FOS_source_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C057","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C057","Exact proposition and triggering conditions":"DMPs and private full-and-final settlements are negotiated/voluntary arrangements. A private offer does not automatically bind a creditor or halt interest, recovery or court action.","Required action, consequence and limitation":"Obtain express creditor acceptance and payment/waiver evidence, and check each creditor separately. No statutory moratorium inferred.","Primary source/pinpoint":"S059 official DMP guidance; S022 CONC 8.3.4R(3)(e); S025 CONC 8.6"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S059","C_EW-P01-S022","C_EW-P01-S025"],"coordinator_review":{"claim_id":"C_EW-P01-C057","researcher_claim":"DMPs and private full-and-final settlements are negotiated/voluntary arrangements. A private offer does not automatically bind a creditor or halt interest, recovery or court action.","original_pointer":"S059 official DMP guidance; S022 CONC 8.3.4R(3)(e); S025 CONC 8.6","coordinator_status":"selected_primary_conditions_compared_other_source_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C058","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C058","Exact proposition and triggering conditions":"England/Wales IVAs are a separate statutory insolvency mechanism involving a licensed insolvency practitioner and requisite creditor decision.","Required action, consequence and limitation":"Identify actual proposal, IP appointment, votes/approval and binding scope; no IVA from mere “settlement programme” branding. Full vote and variation law deferred.","Primary source/pinpoint":"S060 official IVA guidance; S022 8.3.4R(4)"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S060","C_EW-P01-S022"],"coordinator_review":{"claim_id":"C_EW-P01-C058","researcher_claim":"England/Wales IVAs are a separate statutory insolvency mechanism involving a licensed insolvency practitioner and requisite creditor decision.","original_pointer":"S060 official IVA guidance; S022 8.3.4R(4)","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C059","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C059","Exact proposition and triggering conditions":"England/Wales DROs are a distinct formal insolvency/debt-relief procedure with eligibility and approved intermediary/application requirements.","Required action, consequence and limitation":"Verify entry/approval and covered debts before asserting discharge or restrictions. Complete eligibility/process rules deferred.","Primary source/pinpoint":"S061 official DRO guidance"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S061"],"coordinator_review":{"claim_id":"C_EW-P01-C059","researcher_claim":"England/Wales DROs are a distinct formal insolvency/debt-relief procedure with eligibility and approved intermediary/application requirements.","original_pointer":"S061 official DRO guidance","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C060","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C060","Exact proposition and triggering conditions":"England/Wales bankruptcy is distinct from a private DMP, settlement or IVA, with formal process and official receiver/trustee consequences.","Required action, consequence and limitation":"Require actual bankruptcy order/process evidence; no universal claim about exemptions, secured debts, tax or discharge in this pass.","Primary source/pinpoint":"S062 GOV.UK Insolvency Service bankruptcy guide"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S062"],"coordinator_review":{"claim_id":"C_EW-P01-C060","researcher_claim":"England/Wales bankruptcy is distinct from a private DMP, settlement or IVA, with formal process and official receiver/trustee consequences.","original_pointer":"S062 GOV.UK Insolvency Service bankruptcy guide","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_EW-P01-C061","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_EW-P01-C061","Exact proposition and triggering conditions":"England/Wales breathing space is a formal debt-respite mechanism, with standard 60-day and separate mental-health-crisis routes, approved adviser entry and defined creditor restrictions—not automatic debt cancellation.","Required action, consequence and limitation":"Verify qualifying entry and statutory notice rather than treating DMP enrolment as respite. Regulation text S065 failed, so effect/eligibility detail remains held.","Primary source/pinpoint":"S063–S064 official guidance; S065 failed current regulation"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_source_ids":["C_EW-P01-S065","C_EW-P01-S063","C_EW-P01-S064"],"coordinator_review":{"claim_id":"C_EW-P01-C061","researcher_claim":"England/Wales breathing space is a formal debt-respite mechanism, with standard 60-day and separate mental-health-crisis routes, approved adviser entry and defined creditor restrictions—not automatic debt cancellation.","original_pointer":"S063–S064 official guidance; S065 failed current regulation","coordinator_status":"original_statutory_guidance_source_and_application_holds_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]"}],"sources":[{"source_id":"C_EW-P01-S001","urls":["https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false","https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S001","Issuer, title and full direct URL":"UK legislation.gov.uk, Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, SI 2001/544. https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false","Actually read: pinpoint, nature, currency, relevant limits":"Failed to retrieve operative body of the requested dated consolidation. RAO arts 39D, 39E, 39H–39K, 60B and 60N identified through FCA interpretation, not independently read here. Effective-status verification held. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S001","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original historical failure retained without retry; no operative statute verification or absence inference.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S002","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01","https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S002","Issuer, title and full direct URL":"UK legislation.gov.uk, Financial Services and Markets Act 2000, s 19. https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01","Actually read: pinpoint, nature, currency, relevant limits":"Failed to retrieve operative statutory body. Do not treat FCA PERG's description of the general prohibition as an independent reading of FSMA s 19 or adjacent exceptions. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S002","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original historical failure retained without retry; no operative statute verification or absence inference.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S003","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s6","https://handbook.fca.org.uk/handbook/perg2/perg2s6?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S003","Issuer, title and full direct URL":"FCA, PERG 2.6 — Specified investments. https://handbook.fca.org.uk/handbook/perg2/perg2s6","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.6.30G–2.6.31G explaining RAO 60B credit agreements and 60N consumer hire. Live Handbook display; individual provision dates govern; definition depends on underlying RAO text. UK perimeter, not an E/W insolvency rule. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S003","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S004","urls":["https://handbook.fca.org.uk/glossary/G3173","https://handbook.fca.org.uk/glossary/G3173?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S004","Issuer, title and full direct URL":"FCA, Glossary — individual. https://handbook.fca.org.uk/glossary/G3173","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Glossary entry including natural persons, relevant partnerships and unincorporated bodies. Handbook terminology; not proof that all corporate/business contracts qualify. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S004","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S005","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s7","https://handbook.fca.org.uk/handbook/perg2/perg2s7?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S005","Issuer, title and full direct URL":"FCA, PERG 2.7 — Activities. https://handbook.fca.org.uk/handbook/perg2/perg2s7","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.7.8BG–2.7.8EG describing debt adjusting, debt counselling and adjacent debt collecting/administering activities by reference to RAO 39D/39E. Classification guidance; controlling article text unavailable at S001. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S005","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/perg2/perg2s7"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S006","urls":["https://handbook.fca.org.uk/handbook/perg17","https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S006","Issuer, title and full direct URL":"FCA, PERG 17 — Consumer credit debt-related regulated activities. https://handbook.fca.org.uk/handbook/perg17","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 17.2 Q2.1; 17.3 Q3.1–Q3.3; related 17.4–17.7 answers on personalised advice, liquidation, negotiating and distinctions. UK consumer-credit interpretive perimeter; facts and exceptions matter. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S006","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S007","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s3","https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S007","Issuer, title and full direct URL":"FCA, PERG 2.3 — The business test. https://handbook.fca.org.uk/handbook/perg2/perg2s3","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.3.2G(3B), 2.3.3G: special by-way-of-business issues for credit activities, including relevant non-profit provision; no universal paid-only shortcut. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S007","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S008","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s8","https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S008","Issuer, title and full direct URL":"FCA, PERG 2.8 — Exclusions applicable to particular regulated activities. https://handbook.fca.org.uk/handbook/perg2/perg2s8","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.8.7CG, notably its separately numbered branches, interpreting specified debt-activity exclusions associated with RAO 39H–39K. Connected-creditor, supplier and professional facts must be established; RAO itself not read. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S008","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S009","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s9","https://handbook.fca.org.uk/handbook/perg2/perg2s9?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S009","Issuer, title and full direct URL":"FCA, PERG 2.9 — Regulated activities: exclusions applicable to several specified kinds of activity. https://handbook.fca.org.uk/handbook/perg2/perg2s9","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.9.25G–2.9.27G on insolvency-practitioner situations and PERG 2.9.15G on overseas-related exclusions. Not a general “all insolvency/overseas activity exempt” finding. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S009","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S010","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s10","https://handbook.fca.org.uk/handbook/perg2/perg2s10?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S010","Issuer, title and full direct URL":"FCA, PERG 2.10 — Persons carrying on regulated activities who do not need authorisation. https://handbook.fca.org.uk/handbook/perg2/perg2s10","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.10.12G–2.10.16G on members of designated professional bodies and FSMA s 327 conditions; no blanket lawyer/accountant privilege. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S010","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S011","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s11","https://handbook.fca.org.uk/handbook/perg2/perg2s11?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S011","Issuer, title and full direct URL":"FCA, PERG 2.11 — Exempt persons and other exemptions. https://handbook.fca.org.uk/handbook/perg2/perg2s11","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.11.2G, 2.11.4G–2.11.5G concerning specified official functions, tracing and enterprise-scheme boundaries. No blanket nonprofit exclusion inferred. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S011","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S012","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true","https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S012","Issuer, title and full direct URL":"FCA, PERG 2.4 — Link between activities and the United Kingdom. https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.4.2G–2.4.5G on territorial application and overseas considerations. Does not settle a disputed remote-specific s 19/s 418 FSMA issue without operative statutes and facts. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S012","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S013","urls":["https://handbook.fca.org.uk/handbook/conc1/conc1s2","https://handbook.fca.org.uk/handbook/conc1/conc1s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S013","Issuer, title and full direct URL":"FCA, CONC 1.2 — Who? What? Where?. https://handbook.fca.org.uk/handbook/conc1/conc1s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CONC 1.2.3G; 1.2.5R relating to firms conducting relevant credit activity from outside UK establishments with a UK-habitually-resident customer; 1.2.7G land security. Handbook application does not alone prove s 19 authorisation nexus. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S013","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S014","urls":["https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true","https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S014","Issuer, title and full direct URL":"FCA, SUP 12 — Appointed representatives. https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, SUP 12.2.2G–12.2.7G and 12.4.1AG, applicable specified activity, written principal arrangement, responsibility and limitations. Dated view 6 Aug 2026, not claimed to independently prove all 26 Oct changes. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S014","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S015","urls":["https://www.fca.org.uk/firms/limitations-debt-permissions","https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S015","Issuer, title and full direct URL":"FCA, Limitations of debt permissions. https://www.fca.org.uk/firms/limitations-debt-permissions","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official FCA authorisation explanation, distinctions between specified limited permissions and broader debt-management work. Permission scope must be read from the firm’s own record, not this generic page. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S015","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S016","urls":["https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers","https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S016","Issuer, title and full direct URL":"FCA, Consumer credit brokers — motor dealers. https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official, restricted motor-trade credit permissions and potentially full-permission activities. Industry example, not proof that all debt advisers require the same category. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S016","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S017","urls":["https://www.fca.org.uk/firms/financial-services-register","https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S017","Issuer, title and full direct URL":"FCA, Financial Services Register. https://www.fca.org.uk/firms/financial-services-register","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official; register features, firm identity/status/permissions and historical records. Page update displayed 13 Feb 2026, not a legal commencement date. No named lookup performed. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S017","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S018","urls":["https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S018","Issuer, title and full direct URL":"FCA, How to check a firm or individual is authorised. https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official; checking permission and contact identity, authorised versus registered distinctions and clone-risk advice. Page update displayed 22 Sep 2026. No named lookup performed. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S018","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S019","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s2","https://handbook.fca.org.uk/handbook/perg2/perg2s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S019","Issuer, title and full direct URL":"FCA, PERG 2.2 — Authorisation and exempt persons. https://handbook.fca.org.uk/handbook/perg2/perg2s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, G, PERG 2.2.1G–2.2.1AG concerning general prohibition, regulatory offences and restrictions on enforceability. Consequences remain subject to statute, facts and statutory protections; debt to original creditor not thereby cancelled. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S019","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S020","urls":["https://handbook.fca.org.uk/handbook/conc8","https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S020","Issuer, title and full direct URL":"FCA, CONC 8 — Debt advice. https://handbook.fca.org.uk/handbook/conc8","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CONC 8.1.1R and 8.1.4G: relevant firms and relevant debt-advice activities, including qualifying advice about liquidation of certain debts notwithstanding underlying credit-regulation nuances. Chapter shown updated 31 Jul 2026; individual rule dating separately applies. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S020","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S021","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s2","https://handbook.fca.org.uk/handbook/conc8/conc8s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S021","Issuer, title and full direct URL":"FCA, CONC 8.2 — Debt advice and debt management services. https://handbook.fca.org.uk/handbook/conc8/conc8s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, including CONC 8.2.4R free-advice signposting and related transparency, service, vulnerability and client-interest requirements. Not an obligation to use any named charity. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S021","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S022","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s3","https://handbook.fca.org.uk/handbook/conc8/conc8s3?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S022","Issuer, title and full direct URL":"FCA, CONC 8.3 — Pre-contract information and advice requirements. https://handbook.fca.org.uk/handbook/conc8/conc8s3","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CONC 8.3.1R, 8.3.2R, 8.3.4R–8.3.4AR, 8.3.7R, 8.3.9R–8.3.16R. First-enquiry durable information, individual assessment, advice, debt-packager restrictions and their qualifications. Section shown updated 26 Jun 2026; provisions have individual dates. Access 26 Oct 2026. \nhandbook.fca.org.uk"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S022","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/conc8/conc8s3"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S023","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s4","https://handbook.fca.org.uk/handbook/conc8/conc8s4?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S023","Issuer, title and full direct URL":"FCA, CONC 8.4 — Debt management plans and agreements. https://handbook.fca.org.uk/handbook/conc8/conc8s4","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, written agreement terms, clear obligations, written contract and restrictions on contract terms. Firm/customer context; not a statutory DMP creditor stay. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S023","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S024","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s5","https://handbook.fca.org.uk/handbook/conc8/conc8s5?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S024","Issuer, title and full direct URL":"FCA, CONC 8.5 — Financial statements. https://handbook.fca.org.uk/handbook/conc8/conc8s5","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CONC 8.5.1R and connected requirements for income, expenditure, debt schedule and creditor distribution. Particular disclosure and consent facts remain needed. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S024","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S025","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s6","https://handbook.fca.org.uk/handbook/conc8/conc8s6?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S025","Issuer, title and full direct URL":"FCA, CONC 8.6 — Debt management plans. https://handbook.fca.org.uk/handbook/conc8/conc8s6","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, duties around establishing appropriate arrangements and customer/creditor communication. Does not compel a creditor to waive debt or interest. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S025","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S026","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s7","https://handbook.fca.org.uk/handbook/conc8/conc8s7?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S026","Issuer, title and full direct URL":"FCA, CONC 8.7 — Charging for debt counselling, debt advice and related services. https://handbook.fca.org.uk/handbook/conc8/conc8s7","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 8.7.2R fee-priority/repaid-creditor requirements and qualifying full-and-final model; 8.7.3G more-than-half guidance, fee spreading; 8.7.4R(1)–(4) commissions and fee correction/refunds; 8.7.6R payment, repeat charging, switching and unfair charges. Section shown updated 26 Oct 2015; cited rule texts individually date from 2014/2015. No universal capped percentage. Access 26 Oct 2026. \nhandbook.fca.org.uk"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S026","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/conc8/conc8s7"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S027","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true","https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S027","Issuer, title and full direct URL":"FCA, CONC 8.8 — Debt management plans: ongoing obligations. https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, regular reviews, updates and statements for covered arrangements. Timeline display not a guarantee that every historical variant was checked. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S027","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S028","urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s9","https://handbook.fca.org.uk/handbook/conc8/conc8s9?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S028","Issuer, title and full direct URL":"FCA, CONC 8.9 — Lead generators. https://handbook.fca.org.uk/handbook/conc8/conc8s9","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, marketing/lead-generation relationships and debt-advice boundaries. Does not itself establish whether a particular intermediary is an appointed representative. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S028","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S029","urls":["https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true","https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S029","Issuer, title and full direct URL":"FCA, CONC 3.3 — The clear, fair and not misleading rule and general requirements. https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CONC 3.3.1R and accompanying advertising guidance, including misleading claims of assured reductions. Promotional-communication scope applies; contractual terms not inspected. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S029","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S030","urls":["https://handbook.fca.org.uk/handbook/conc3/conc3s9","https://handbook.fca.org.uk/handbook/conc3/conc3s9?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S030","Issuer, title and full direct URL":"FCA, CONC 3.9 — Financial promotions and communications: debt counselling and related services. https://handbook.fca.org.uk/handbook/conc3/conc3s9","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CONC 3.9.3R, 3.9.5R and 3.9.7R on required disclosure, risks and prohibited misleading presentation. Applicable communications and exceptions must be identified; not an exhaustive Advertising Standards Authority dossier. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S030","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S031","urls":["https://handbook.fca.org.uk/handbook/conc2/conc2s6","https://handbook.fca.org.uk/handbook/conc2/conc2s6?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S031","Issuer, title and full direct URL":"FCA, CONC 2.6 — Distance marketing. https://handbook.fca.org.uk/handbook/conc2/conc2s6","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, distance services disclosure/cross-reference to cancellation. Applicability depends on the particular customer, contract and service; not all online messages create a cancellable distance contract. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S031","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S032","urls":["https://handbook.fca.org.uk/handbook/conc11","https://handbook.fca.org.uk/handbook/conc11?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S032","Issuer, title and full direct URL":"FCA, CONC 11 — Cancellation. https://handbook.fca.org.uk/handbook/conc11","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 11.1.1R–11.1.2R, 11.1.5R–11.1.14R: qualifying 14-calendar-day distance cancellation, exclusions, later information trigger, dispatch, proof for proportional service charge, firm refund and consumer return duties. Chapter shown updated 15 Jul 2026, including separate deferred-payment-credit guidance; original applicable rules have displayed dates. 30 days for firm refund runs from its receipt of cancellation; not an assumed signing date. Access 26 Oct 2026. \nCONC 11 Cancellation"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S032","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/conc11"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S033","urls":["https://handbook.fca.org.uk/handbook/conc10","https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S033","Issuer, title and full direct URL":"FCA, CONC 10 — Prudential requirements for debt management firms. https://handbook.fca.org.uk/handbook/conc10","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 10.1.1R–10.1.2R, 10.1.6R, 10.2.5R, 10.2.8R on covered firms, financial resources, differing bases and provider capital/minimum requirements. Not a consumer advance fee or universal professional-indemnity requirement; calculations require firm-specific source predicates. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S033","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/conc10"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S034","urls":["https://handbook.fca.org.uk/handbook/concsch5","https://handbook.fca.org.uk/handbook/concsch5?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S034","Issuer, title and full direct URL":"FCA, CONC Schedule 5 — Rights of action for damages. https://handbook.fca.org.uk/handbook/concsch5","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Handbook schedule, schedule entries distinguishing rules potentially actionable under FSMA s 138D and exceptions, including CONC 10. A private damages claim requires additional statutory standing, breach, causation and loss; not a presumption of automatic fee restitution. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S034","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S035","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s1","https://handbook.fca.org.uk/handbook/cass11/cass11s1?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S035","Issuer, title and full direct URL":"FCA, CASS 11.1 — Application. https://handbook.fca.org.uk/handbook/cass11/cass11s1","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CASS 11.1.1R–11.1.6R: CASS debt-management firm and activities, small/large firm application and professional-firm qualifications. CASS client-money rules do not govern all cash held by every adviser. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S035","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/cass11/cass11s1"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S036","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s2","https://handbook.fca.org.uk/handbook/cass11/cass11s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S036","Issuer, title and full direct URL":"FCA, CASS 11.2 — Firm classification. https://handbook.fca.org.uk/handbook/cass11/cass11s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CASS 11.2.1R–11.2.4R: small/large distinction, £1 million relevant highest amount held in relevant prior/projected periods and connected tests. £1 million is a firm classification threshold, not deposit insurance or a consumer fee cap. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S036","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S037","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s3","https://handbook.fca.org.uk/handbook/cass11/cass11s3?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S037","Issuer, title and full direct URL":"FCA, CASS 11.3 — Responsibility for CASS operational oversight. https://handbook.fca.org.uk/handbook/cass11/cass11s3","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, operational oversight for covered firms and relevant changed arrangements. Firm governance is distinct from a consumer’s ownership of the money. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S037","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S038","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s4","https://handbook.fca.org.uk/handbook/cass11/cass11s4?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S038","Issuer, title and full direct URL":"FCA, CASS 11.4 — Meaning of client money. https://handbook.fca.org.uk/handbook/cass11/cass11s4","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, money received/held for debt management or creditor distribution, with cessation and properly due fee distinctions. Whether a specific remittance is client money requires its purpose and actual allocation. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S038","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S039","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s6","https://handbook.fca.org.uk/handbook/cass11/cass11s6?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S039","Issuer, title and full direct URL":"FCA, CASS 11.6 — The statutory trust. https://handbook.fca.org.uk/handbook/cass11/cass11s6","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R, CASS 11.6.1R on statutory trust for qualifying client money. Does not imply the entire fund remains intact if mishandled or a bank fails. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S039","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/cass11/cass11s6"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S040","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s8","https://handbook.fca.org.uk/handbook/cass11/cass11s8?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S040","Issuer, title and full direct URL":"FCA, CASS 11.8 — Client bank accounts. https://handbook.fca.org.uk/handbook/cass11/cass11s8","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, including CASS 11.8.2R and 11.8.8R on appropriate client bank accounts, bank acknowledgment and record requirements. This is not the depositor FSCS compensation limit. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S040","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S041","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s9","https://handbook.fca.org.uk/handbook/cass11/cass11s9?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S041","Issuer, title and full direct URL":"FCA, CASS 11.9 — Segregation and operation of client money accounts. https://handbook.fca.org.uk/handbook/cass11/cass11s9","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, segregation, treatment of cash/cheques, mixed remittances, individual allocation, withdrawals and consumer return. Conditions differ for a permitted fee versus sums designated to creditors. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S041","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/cass11/cass11s9"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S042","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s10","https://handbook.fca.org.uk/handbook/cass11/cass11s10?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S042","Issuer, title and full direct URL":"FCA, CASS 11.10 — Payments to creditors. https://handbook.fca.org.uk/handbook/cass11/cass11s10","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 11.10.1R–11.10.7G. Payment as soon as reasonably practicable is the rule; normally five business days is 11.10.2G FCA guidance. 11.10.3R requires all three express-term/precontract-attention/risk-explanation elements for the specified longer holding branch. 11.10.4R–11.10.6R address notifications, records and certain required financial restoration, including exceptions. Access 26 Oct 2026. \nCASS 11.10 Payments to creditors"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S042","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/cass11/cass11s10"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S043","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s11","https://handbook.fca.org.uk/handbook/cass11/cass11s11?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S043","Issuer, title and full direct URL":"FCA, CASS 11.11 — Records, accounts and reconciliations. https://handbook.fca.org.uk/handbook/cass11/cass11s11","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, CASS 11.11 records and different reconciliation obligations for small/large firms, plus exceptions triggered by particular delayed distributions. Not a guarantee against errors or shortfall. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S043","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S044","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s12","https://handbook.fca.org.uk/handbook/cass11/cass11s12?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S044","Issuer, title and full direct URL":"FCA, CASS 11.12 — Resolution pack. https://handbook.fca.org.uk/handbook/cass11/cass11s12","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, records/information to facilitate an insolvency resolution and reconstruction of client entitlements. Actual consumer access and liquidator processes are not determined here. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S044","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S045","urls":["https://handbook.fca.org.uk/handbook/cass11/cass11s13","https://handbook.fca.org.uk/handbook/cass11/cass11s13?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S045","Issuer, title and full direct URL":"FCA, CASS 11.13 — Client money distribution on firm or approved-bank failure. https://handbook.fca.org.uk/handbook/cass11/cass11s13","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 11.13 pooling, entitlement and rateable distribution in defined failure events. No universal full-recovery promise and no actual insolvency account inspected. Access 26 Oct 2026. \nhandbook.fca.org.uk"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S045","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/cass11/cass11s13"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S046","urls":["https://handbook.fca.org.uk/handbook/casssch5","https://handbook.fca.org.uk/handbook/casssch5?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S046","Issuer, title and full direct URL":"FCA, CASS Schedule 5 — Rights of action for damages. https://handbook.fca.org.uk/handbook/casssch5","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Handbook schedule, actionable-rule status and exclusions for identified CASS provisions under the FSMA private-action framework. Section display reported updated 25 Sep 2026; particular entries and standing control, not a right to automatic reimbursement for every breach. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S046","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S047","urls":["https://handbook.fca.org.uk/handbook/disp1?timeline=true","https://handbook.fca.org.uk/handbook/disp1?timeline=true&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S047","Issuer, title and full direct URL":"FCA, DISP 1 — Treating complainants fairly. https://handbook.fca.org.uk/handbook/disp1?timeline=true","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, DISP 1.6.1R–1.6.2R and connected complaint handling: acknowledgment, investigation and usual final-response/eight-week pathway, with the relevant exceptions. The clock depends on receipt of a qualifying complaint by the respondent. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S047","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S048","urls":["https://handbook.fca.org.uk/handbook/disp2","https://handbook.fca.org.uk/handbook/disp2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S048","Issuer, title and full direct URL":"FCA, DISP 2 — Jurisdiction of the Financial Ombudsman Service. https://handbook.fca.org.uk/handbook/disp2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, DISP 2.3.1R: covered respondents, activities and compulsory/voluntary jurisdiction. A regulatory complaint to FCA and an individual FOS claim are different channels. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S048","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S049","urls":["https://handbook.fca.org.uk/handbook/disp2/disp2s7","https://handbook.fca.org.uk/handbook/disp2/disp2s7?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S049","Issuer, title and full direct URL":"FCA, DISP 2.7 — Eligible complainants. https://handbook.fca.org.uk/handbook/disp2/disp2s7","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, DISP 2.7 eligibility categories and relevant relationship tests, including consumers and qualifying organisations. Consumer status cannot be imported mechanically to every company or business borrower. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S049","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S050","urls":["https://handbook.fca.org.uk/handbook/disp2/disp2s8","https://handbook.fca.org.uk/handbook/disp2/disp2s8?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S050","Issuer, title and full direct URL":"FCA, DISP 2.8 — Time limits. https://handbook.fca.org.uk/handbook/disp2/disp2s8","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 2.8.1R–2.8.2R: usual prior-complaint/eight-week pathway, six-month referral from an adequate final response, and six-year event or later three-year awareness rule, with exceptions and qualifications. No computed date without complete facts. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S050","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S051","urls":["https://handbook.fca.org.uk/handbook/comp3/comp3s2","https://handbook.fca.org.uk/handbook/comp3/comp3s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S051","Issuer, title and full direct URL":"FCA, COMP 3.2 — The qualifying conditions for compensation. https://handbook.fca.org.uk/handbook/comp3/comp3s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, COMP 3.2.1R and linked default/claim requirements. Insolvency alone does not establish a specific protected claim. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S051","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S052","urls":["https://handbook.fca.org.uk/handbook/comp4/comp4s2","https://handbook.fca.org.uk/handbook/comp4/comp4s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S052","Issuer, title and full direct URL":"FCA, COMP 4.2 — Eligibility for FSCS. https://handbook.fca.org.uk/handbook/comp4/comp4s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R, 4.2.1R–4.2.2R(20): in protected debt-management business, claimant must be a natural person; other exclusions and exceptions also apply. Section and cited rules displayed 17 Mar 2026. Access 26 Oct 2026. \nhandbook.fca.org.uk"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S052","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S053","urls":["https://handbook.fca.org.uk/handbook/comp5","https://handbook.fca.org.uk/handbook/comp5?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S053","Issuer, title and full direct URL":"FCA, COMP 5 — Protected claims. https://handbook.fca.org.uk/handbook/comp5","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R, 5.2.1R(6), 5.8.1R (5.8.1 displayed 1 Apr 2018): UK-establishment debt-management activity of a CASS debt-management firm, only so far as a claim concerns a client-money shortfall. No coverage established for mere poor debt advice or expected debt reduction. Access 26 Oct 2026. \nCOMP 5 Protected claims"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S053","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S054","urls":["https://handbook.fca.org.uk/handbook/comp10/comp10s2","https://handbook.fca.org.uk/handbook/comp10/comp10s2?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S054","Issuer, title and full direct URL":"FCA, COMP 10.2 — Limits on compensation payable. https://handbook.fca.org.uk/handbook/comp10/comp10s2","Actually read: pinpoint, nature, currency, relevant limits":"Opened, R/G, 10.2.1R–10.2.3R: protected debt-management business entry provides 100% of qualifying claim, maximum £85,000; claim/category aggregation and other rules apply. Section last updated 29 Jul 2022; not the separately changed UK deposit-account limit. Access 26 Oct 2026. \nCOMP 10.2 Limits on compensation payable"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S054","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://handbook.fca.org.uk/handbook/comp10/comp10s2"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S055","urls":["https://www.fscs.org.uk/what-we-cover/debt-management/","https://www.fscs.org.uk/what-we-cover/debt-management/?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S055","Issuer, title and full direct URL":"Financial Services Compensation Scheme, Debt management — What we cover. https://www.fscs.org.uk/what-we-cover/debt-management/","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official, headings “If the firm failed after 1 April 2019,” “If it failed between 1 April 2018 and 31 March 2019,” and “Limitations.” £85,000 and £50,000 corresponding limits; FCA authorisation, UK branch, reconciled shortfall, inability to pay, eligibility conditions. FSCS says advice and IVA practitioner payments are not protected by this category. Explanatory site, not replacement for COMP rules. Access 26 Oct 2026. \nFSCS"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S055","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://www.fscs.org.uk/what-we-cover/debt-management/"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S056","urls":["https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits","https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S056","Issuer, title and full direct URL":"Financial Ombudsman Service, Time limits for complaining. https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official published consumer explanation; six months after final response and six-years/three-years awareness framework, subject to exceptions and jurisdiction. Page shown updated in 2022; binding DISP pinpoint S050 takes precedence. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S056","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S057","urls":["https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf","https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S057","Issuer, title and full direct URL":"Financial Ombudsman Service, published decision DRN2727544 (2015). https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf","Actually read: pinpoint, nature, currency, relevant limits":"Opened, original published PDF, two PDF pages, zero-based indices 0–1; printed-page numbering not independently established. Decision-specific amounts: £240 × 24 = £5,760; deduction £80; resulting £5,680, plus award terms including £150 and specified simple interest. Individual final decision, not legislation, general fee formula or binding precedent. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S057","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original published Ombudsman decision unreopened; original posture/amounts/pinpoint/pixels/acceptance/later-treatment/case/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S058","urls":["https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf","https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S058","Issuer, title and full direct URL":"Financial Ombudsman Service, published decision DRN-5484433 (2025). https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf","Actually read: pinpoint, nature, currency, relevant limits":"Opened, original published PDF, seven PDF pages, zero-based indices 0–6; printed-page numbering not independently established. Findings distinguish refunded firm fees, £600 distress award, creditor monies and unsupported speculative losses. Bounded decision-specific outcome, not a standard tariff. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S058","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original published Ombudsman decision unreopened; original posture/amounts/pinpoint/pixels/acceptance/later-treatment/case/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S059","urls":["https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans","https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S059","Issuer, title and full direct URL":"GOV.UK, Options for dealing with your debts — Debt management plans. https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official guidance, DMP voluntary repayment arrangement, creditors’ participation/interest decisions and plan payment structure. UK-facing guidance used only for the E/W consumer comparison, not a statutory creditor moratorium. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S059","coordinator_status":"selected_public_primary_compared_with_limits","fresh_URLs_read":["https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans"],"result":"Fresh selected Handbook/officialguidance body compared; exact R/G/nature/date/scope and all adjacent/currentness/application holds retained.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S060","urls":["https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements","https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S060","Issuer, title and full direct URL":"GOV.UK, Options for dealing with your debts — Individual voluntary arrangements. https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official guidance, IVA and licensed insolvency practitioner, required creditor approval, and its different legal mechanism. Full statutory vote calculation/eligibility and later variation rules not independently verified here. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S060","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S061","urls":["https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders","https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S061","Issuer, title and full direct URL":"GOV.UK, Options for dealing with your debts — Debt relief orders. https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official guidance, E/W DRO as separate statutory relief involving approved intermediaries and conditions. This pass does not certify every current property, debt, income, cost or application threshold. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S061","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S062","urls":["https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy","https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S062","Issuer, title and full direct URL":"GOV.UK / Insolvency Service, Guide to bankruptcy. https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official guidance, England/Wales bankruptcy application, official receiver and trustee structure, creditor and asset consequences at a high level. Full procedure, exemptions, fees and discharge exceptions deferred. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S062","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S063","urls":["https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors","https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S063","Issuer, title and full direct URL":"GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for creditors. https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official guidance, England/Wales standard 60-day breathing space, regulated debt-advice entry, creditor notification/restrictions and separate mental-health-crisis branch. Actual statutory SI was not retrieved (S065), so an operative-text verification hold applies. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S063","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S064","urls":["https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers","https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S064","Issuer, title and full direct URL":"GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for money advisers. https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers","Actually read: pinpoint, nature, currency, relevant limits":"Opened, Official guidance, England/Wales entry and adviser-role conditions, including FCA-authorised debt counselling and specified local-authority routes; separate standard/mental-health-crisis processes. Not a rule allowing any paid negotiator to enrol customers. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S064","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original source read in complete saved report but not freshly reopened or upgraded to full current primary verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S065","urls":["https://www.legislation.gov.uk/uksi/2020/1311/made","https://www.legislation.gov.uk/uksi/2020/1311/made?utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S065","Issuer, title and full direct URL":"UK legislation.gov.uk, Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020, SI 2020/1311. https://www.legislation.gov.uk/uksi/2020/1311/made","Actually read: pinpoint, nature, currency, relevant limits":"Failed operative-text retrieval. Official explanatory guidance at S063–S064 was read, but regulation-by-regulation enactment, amendments and current effect remain unverified. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S065","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original historical failure retained without retry; no operative statute verification or absence inference.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"C_EW-P01-S066","urls":["https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain","https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain&utm_source=chatgpt.com"],"researcher_record":{"Source":"C_EW-P01-S066","Issuer, title and full direct URL":"UK legislation.gov.uk, RAO 2001 alternate Part II endpoint. https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain","Actually read: pinpoint, nature, currency, relevant limits":"Failed official alternative after S001; no substantive statutory body obtained. Not counted as affirmative support for any article. Access 26 Oct 2026."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds","coordinator_id_normalization":"ExplicitP01contextmechanicalonly;rawresearchercellsunaltered,no newverification.","coordinator_review":{"source_id":"C_EW-P01-S066","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Original historical failure retained without retry; no operative statute verification or absence inference.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"holds":["Original statutory failures S001RAOdatedconsolidation,S002FSMAs19,S065BreathingSpaceas-madeinstrument,S066RAOalternative remain untouched/unreopened. No guessedURL,alternatevariant,hiddenendpoint,repeatfailedfetch/securityworkaround. FCAguidance is not a fresh reading of RAOarticles39D-K/60B/60N/62or FSMA19/23/26-28/138D/327/418. Current amendments,commencement/transitional/future and baseline22October versus26October histories remain held.","Only13literal registered publicURLs were freshly checked. Selected complete Handbook scopes are mapped exactly; no all66source/all61claimcurrentprimary or exhaustive independent review. No new source failures,source-bodyreuse or PDFpixels. JavaScript-disabled/nav text in returned pages did not prevent the actually recorded operative text reads; no technical or quota recovery inferred.","Actualhistorical GPT-6ExtraHigh regularadaptive route is preserved. Earlier displayfailure/oneboundedreload/partials and later visible complete recovery without resend remain history. Historicalstatuscomplete=false is not overwritten or a reason to reject the complete immutable END-marked saved answer; actual servercompletiontime remains unknown and capture21:39:32is not that time. No freshUI/model/probe/cancellation.","PERGclassification is guidance. Underlyingindividual/soletrader/partnership/corporate/business/consumerhire/security/debt-type,by-way-of-business,nonprofit/occasional/professional/IP/creditor/local-authority/enterprise/AR/full-limited-permission/remoteUKnexus and each statutory exclusion remain dependent on unreviewed legislation,otherguidance and actual documents. No named register/firm/individual/provider or actual regulated status checked.","Fresh CONC8.7and11.1support selected fee/cancellation examples conditionally; no fixedpercentage/successcharge,legal50%cap,uniformsixmonth fee exemption,guaranteedsettlement,interestfreeze or moratorium. Earlyperformance/request/informedcharge/proportionality/no-penalty and durable-dispatchversusreceipt clocks remain distinct. No actualcontract/work/money/calendar/holiday/mandate was obtained.","CASS11.1/11.6/11.9/11.10/11.13text was checked, including smallfirm/professional qualifyingroutes. CASS11.2classificationhistory/11.4definitions/11.8bankacknowledgment/11.11clientbalancesandreconciliations/11.12packand incorporatedGlossary/Acts were not fully freshly completed. £1mclassification is not depositcompensation. Trust/distributioncosts/transfer/dormantassets/bankfailure,actualbeneficialentitlement/shortfall/priority/interest/insolvencyrecords and eligiblefirms remain application-held. No actualpool or 100%recovery accepted.","CONC10selected applicability/calculation/recalculation text checked, not full eligible-resource/subordinated-debt/current statutory/permission audit. No new firm financialscenario or source-page illustrative example recomputation. Consumer charges and firm prudential capital remain separate;CONC10.1.6Rprivate-action exclusion do not determine all civil remedies.","FSCSpublicguidance and selectedCOMP10.2limits/aggregationrow support conditional85k/50khistorical categories. COMP3.2default,4.2natural-person/exclusions and5.8protectedbusiness bodies remain unreopened; full FSCSeligibility,aggregation,failuredate and actual claim not accepted. No bankdepositlimit substituted, automatic compensationpromise or case-specific filing/award.","DISP1/2jurisdiction/eligiblecomplainants/final-response/time/consent/exception rules,CONC/CASSactionabilityschedulesandFSMAs138Dcurrent statute remain unreopened. Both registered FOSdecisions S057/S058and underlyingfacts/posture/acceptance/implementation/currenttreatment/pixels remain original attribution; no case/person/provider/private-record investigation. Existing reportedcase arithmetic only recomputed without reopening opinions or awarding interest/compensation.","GOVUKDMPguide checked only as official guidance for this E/Wcomponent: voluntarycreditorassent,continuedrecoveryconditionalagreement,unsecuredeligibility/costs/cancellation. FFScontractlawrelease/guarantor/security/consideration and formalIVA/DRO/bankruptcy/BreathingSpaceoperativeeligibility/effects/costs remain held. No privateproposal binds a creditor or creates statutory entry. Scotland/NorthernIrelandexplicitly unresearched; UK-wideFCAtext does not complete their legal systems or England/Waleslocal/devolved/sector comparison.","All114coverage rows retain partial/unresolved/excluded or conditionalanswered status. A097/A098parent/country/component acceptance held. Productmap,collections/validation/disputes/limitation/revival/creditreporting/courts/service/judgments/enforcement/exemptions/secured/support/publicdebts/priorities/fullassistance/insolvency/tax/local/equality/devolvedandcrossborderforeigncreditor/currency/choice/forum/judgmentrecognition/assets remain deferred.","New ChatGPTresearch/correctionSends,modelprobes,browser/CUA/tabs/HUMANaccess,APIs/accounts/purchases/contacts/filings/newscenarios/cases/privateinquiries/agents remain paused/not performed. Only exclusiveC_EWpass01/review/artifact paths change; no sharedcountryparent/history/index/register/tasks/route/model/automation writes. Parent proposal only in completion."]},"coordinator_review_file":"[internal evidence reference]"}],"coverage":[{"topic":"EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011.","researcher_record":{"Coverage item; finding location":"EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011.","Status":"partial","Exact claim IDs":"C_EW-P01-C003, C_EW-P01-C011","Missing proof and next focused action":"Reopen operative RAO/FSMA and jurisdiction provisions, distinguishing statutes from FCA G/R."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C003","C_EW-P01-C011"],"coordinator_review":{"row_zero_based":0,"coverage_id":"EW-A01","topic":"EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011.","Status":"partial","Exact claim IDs":"C_EW-P01-C003, C_EW-P01-C011","Missing proof and next focused action":"Reopen operative RAO/FSMA and jurisdiction provisions, distinguishing statutes from FCA G/R."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066.","researcher_record":{"Coverage item; finding location":"EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C003, C_EW-P01-C004","Missing proof and next focused action":"Retrieve official current RAO arts 39D–39K, 60B, 60N, schedules, commencement/amendment annotations and transitional effects through a viable official full-text route."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001","C_EW-P01-C003","C_EW-P01-C004"],"coordinator_review":{"row_zero_based":1,"coverage_id":"EW-A02","topic":"EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066.","original_status":"unresolved","original_record":{"Coverage item; finding location":"EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C003, C_EW-P01-C004","Missing proof and next focused action":"Retrieve official current RAO arts 39D–39K, 60B, 60N, schedules, commencement/amendment annotations and transitional effects through a viable official full-text route."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022.","researcher_record":{"Coverage item; finding location":"EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022.","Status":"partial","Exact claim IDs":"C_EW-P01-C011, C_EW-P01-C022","Missing proof and next focused action":"Read enacted FSMA ss 19, 21, 23, 26–28, 138D, 327, 418 with relevant current amendments; avoid assumptions about each remedy."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C011","C_EW-P01-C022"],"coordinator_review":{"row_zero_based":2,"coverage_id":"EW-A03","topic":"EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022.","Status":"partial","Exact claim IDs":"C_EW-P01-C011, C_EW-P01-C022","Missing proof and next focused action":"Read enacted FSMA ss 19, 21, 23, 26–28, 138D, 327, 418 with relevant current amendments; avoid assumptions about each remedy."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1.","researcher_record":{"Coverage item; finding location":"EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1.","Status":"partial","Exact claim IDs":"C_EW-P01-C003","Missing proof and next focused action":"Obtain RAO 39D body and exceptions; apply service-by-service factual tests."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C003"],"coordinator_review":{"row_zero_based":3,"coverage_id":"EW-A04","topic":"EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1.","Status":"partial","Exact claim IDs":"C_EW-P01-C003","Missing proof and next focused action":"Obtain RAO 39D body and exceptions; apply service-by-service factual tests."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006.","researcher_record":{"Coverage item; finding location":"EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006.","Status":"partial","Exact claim IDs":"C_EW-P01-C004, C_EW-P01-C005, C_EW-P01-C006","Missing proof and next focused action":"Read RAO 39E current text; map generic content, decision trees and personalised recommendation cases."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C004","C_EW-P01-C005","C_EW-P01-C006"],"coordinator_review":{"row_zero_based":4,"coverage_id":"EW-A05","topic":"EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006.","Status":"partial","Exact claim IDs":"C_EW-P01-C004, C_EW-P01-C005, C_EW-P01-C006","Missing proof and next focused action":"Read RAO 39E current text; map generic content, decision trees and personalised recommendation cases."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q001"],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018.","researcher_record":{"Coverage item; finding location":"EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018.","Status":"partial","Exact claim IDs":"C_EW-P01-C007, C_EW-P01-C018","Missing proof and next focused action":"Map applicable RAO activities/exclusions and separate payment-services regulations."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C007","C_EW-P01-C018"],"coordinator_review":{"row_zero_based":5,"coverage_id":"EW-A06","topic":"EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018.","Status":"partial","Exact claim IDs":"C_EW-P01-C007, C_EW-P01-C018","Missing proof and next focused action":"Map applicable RAO activities/exclusions and separate payment-services regulations."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005.","researcher_record":{"Coverage item; finding location":"EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C005","Missing proof and next focused action":"Confirm statutory agreement definition and each exclusion for specific products."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001","C_EW-P01-C005"],"coordinator_review":{"row_zero_based":6,"coverage_id":"EW-A07","topic":"EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C005","Missing proof and next focused action":"Confirm statutory agreement definition and each exclusion for specific products."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036.","researcher_record":{"Coverage item; finding location":"EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036.","Status":"partial","Exact claim IDs":"C_EW-P01-C002, C_EW-P01-C036","Missing proof and next focused action":"Verify RAO 60N and service-specific cancellation exceptions against actual hire agreement."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C002","C_EW-P01-C036"],"coordinator_review":{"row_zero_based":7,"coverage_id":"EW-A08","topic":"EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036.","Status":"partial","Exact claim IDs":"C_EW-P01-C002, C_EW-P01-C036","Missing proof and next focused action":"Verify RAO 60N and service-specific cancellation exceptions against actual hire agreement."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001.","researcher_record":{"Coverage item; finding location":"EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001.","Status":"partial","Exact claim IDs":"C_EW-P01-C001","Missing proof and next focused action":"Reopen exact RAO/CCA individual definitions, partnership-size and purpose exceptions; resolve each borrowed-for-business branch."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001"],"coordinator_review":{"row_zero_based":8,"coverage_id":"EW-A09","topic":"EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001.","Status":"partial","Exact claim IDs":"C_EW-P01-C001","Missing proof and next focused action":"Reopen exact RAO/CCA individual definitions, partnership-size and purpose exceptions; resolve each borrowed-for-business branch."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053.","researcher_record":{"Coverage item; finding location":"EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C050, C_EW-P01-C053","Missing proof and next focused action":"Distinguish advice-activity debtor definition from FOS and FSCS eligibility; validate organisation type."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001","C_EW-P01-C050","C_EW-P01-C053"],"coordinator_review":{"row_zero_based":9,"coverage_id":"EW-A10","topic":"EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C050, C_EW-P01-C053","Missing proof and next focused action":"Distinguish advice-activity debtor definition from FOS and FSCS eligibility; validate organisation type."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019.","researcher_record":{"Coverage item; finding location":"EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C005, C_EW-P01-C019","Missing proof and next focused action":"Read actual business-purpose exceptions and any monetary/agreement formalities."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001","C_EW-P01-C005","C_EW-P01-C019"],"coordinator_review":{"row_zero_based":10,"coverage_id":"EW-A11","topic":"EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C005, C_EW-P01-C019","Missing proof and next focused action":"Read actual business-purpose exceptions and any monetary/agreement formalities."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027.","researcher_record":{"Coverage item; finding location":"EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C027","Missing proof and next focused action":"Reopen land-secured exclusions and debt-specific rules; do not equate mortgage debt with ordinary credit-card debt."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001","C_EW-P01-C027"],"coordinator_review":{"row_zero_based":11,"coverage_id":"EW-A12","topic":"EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027.","Status":"partial","Exact claim IDs":"C_EW-P01-C001, C_EW-P01-C027","Missing proof and next focused action":"Reopen land-secured exclusions and debt-specific rules; do not equate mortgage debt with ordinary credit-card debt."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3.","researcher_record":{"Coverage item; finding location":"EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3.","Status":"partial","Exact claim IDs":"C_EW-P01-C009","Missing proof and next focused action":"Read enacted territorial sections and actual location-of-activity analysis."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C009"],"coordinator_review":{"row_zero_based":12,"coverage_id":"EW-A13","topic":"EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3.","Status":"partial","Exact claim IDs":"C_EW-P01-C009","Missing proof and next focused action":"Read enacted territorial sections and actual location-of-activity analysis."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3.","researcher_record":{"Coverage item; finding location":"EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3.","Status":"answered","Exact claim IDs":"C_EW-P01-C010","Missing proof and next focused action":"For a real fact pattern establish firm, establishment, customer's habitual residence and covered activities; separate unresolved authorisation nexus."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C010"],"coordinator_review":{"row_zero_based":13,"coverage_id":"EW-A14","topic":"EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3.","Status":"answered","Exact claim IDs":"C_EW-P01-C010","Missing proof and next focused action":"For a real fact pattern establish firm, establishment, customer's habitual residence and covered activities; separate unresolved authorisation nexus."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1.","researcher_record":{"Coverage item; finding location":"EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1.","Status":"answered","Exact claim IDs":"C_EW-P01-C011","Missing proof and next focused action":"Transaction-date Register inspection would be needed for an actual actor; none authorised here."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C011"],"coordinator_review":{"row_zero_based":14,"coverage_id":"EW-A15","topic":"EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1.","Status":"answered","Exact claim IDs":"C_EW-P01-C011","Missing proof and next focused action":"Transaction-date Register inspection would be needed for an actual actor; none authorised here."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012.","researcher_record":{"Coverage item; finding location":"EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012.","Status":"partial","Exact claim IDs":"C_EW-P01-C012","Missing proof and next focused action":"Exact permission type, FCA conditions and status on relevant date remain actor-dependent."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C012"],"coordinator_review":{"row_zero_based":15,"coverage_id":"EW-A16","topic":"EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012.","Status":"partial","Exact claim IDs":"C_EW-P01-C012","Missing proof and next focused action":"Exact permission type, FCA conditions and status on relevant date remain actor-dependent."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013.","researcher_record":{"Coverage item; finding location":"EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013.","Status":"partial","Exact claim IDs":"C_EW-P01-C013","Missing proof and next focused action":"Check RAO/SUP activity eligibility, written appointment and principal responsibility at relevant date."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C013"],"coordinator_review":{"row_zero_based":16,"coverage_id":"EW-A17","topic":"EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013.","Status":"partial","Exact claim IDs":"C_EW-P01-C013","Missing proof and next focused action":"Check RAO/SUP activity eligibility, written appointment and principal responsibility at relevant date."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021.","researcher_record":{"Coverage item; finding location":"EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021.","Status":"answered","Exact claim IDs":"C_EW-P01-C011, C_EW-P01-C021","Missing proof and next focused action":"Actual name/record lookup intentionally not performed."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C011","C_EW-P01-C021"],"coordinator_review":{"row_zero_based":17,"coverage_id":"EW-A18","topic":"EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021.","Status":"answered","Exact claim IDs":"C_EW-P01-C011, C_EW-P01-C021","Missing proof and next focused action":"Actual name/record lookup intentionally not performed."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status.","researcher_record":{"Coverage item; finding location":"EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C011, C_EW-P01-C035, C_EW-P01-C041","Missing proof and next focused action":"Obtain RAO/FSMA consolidation and amendments at baseline 22 Oct and check 26 Oct changes, commencements and future-effective instruments."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C011","C_EW-P01-C035","C_EW-P01-C041"],"coordinator_review":{"row_zero_based":18,"coverage_id":"EW-A19","topic":"EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status.","original_status":"unresolved","original_record":{"Coverage item; finding location":"EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C011, C_EW-P01-C035, C_EW-P01-C041","Missing proof and next focused action":"Obtain RAO/FSMA consolidation and amendments at baseline 22 Oct and check 26 Oct changes, commencements and future-effective instruments."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1.","researcher_record":{"Coverage item; finding location":"EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1.","Status":"partial","Exact claim IDs":"C_EW-P01-C003, C_EW-P01-C004, C_EW-P01-C008, C_EW-P01-C011","Missing proof and next focused action":"Reopen statutory articles and individual activity/payment facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C003","C_EW-P01-C004","C_EW-P01-C008","C_EW-P01-C011"],"coordinator_review":{"row_zero_based":19,"coverage_id":"EW-B01","topic":"EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1.","Status":"partial","Exact claim IDs":"C_EW-P01-C003, C_EW-P01-C004, C_EW-P01-C008, C_EW-P01-C011","Missing proof and next focused action":"Reopen statutory articles and individual activity/payment facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1.","researcher_record":{"Coverage item; finding location":"EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1.","Status":"partial","Exact claim IDs":"C_EW-P01-C008, C_EW-P01-C014","Missing proof and next focused action":"Determine actual by-way-of-business status and particular exclusion."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C008","C_EW-P01-C014"],"coordinator_review":{"row_zero_based":20,"coverage_id":"EW-B02","topic":"EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1.","Status":"partial","Exact claim IDs":"C_EW-P01-C008, C_EW-P01-C014","Missing proof and next focused action":"Determine actual by-way-of-business status and particular exclusion."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008.","researcher_record":{"Coverage item; finding location":"EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008.","Status":"partial","Exact claim IDs":"C_EW-P01-C006, C_EW-P01-C008","Missing proof and next focused action":"Review actual scripts, advice and business context; do not infer licence from general publication."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C006","C_EW-P01-C008"],"coordinator_review":{"row_zero_based":21,"coverage_id":"EW-B03","topic":"EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008.","Status":"partial","Exact claim IDs":"C_EW-P01-C006, C_EW-P01-C008","Missing proof and next focused action":"Review actual scripts, advice and business context; do not infer licence from general publication."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015.","researcher_record":{"Coverage item; finding location":"EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015.","Status":"partial","Exact claim IDs":"C_EW-P01-C015","Missing proof and next focused action":"Verify professional-body permission, incidental character and financial benefit."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C015"],"coordinator_review":{"row_zero_based":22,"coverage_id":"EW-B04","topic":"EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015.","Status":"partial","Exact claim IDs":"C_EW-P01-C015","Missing proof and next focused action":"Verify professional-body permission, incidental character and financial benefit."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2.","researcher_record":{"Coverage item; finding location":"EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2.","Status":"partial","Exact claim IDs":"C_EW-P01-C016","Missing proof and next focused action":"Confirm IP's exact capacity and relevant statutory definition/appointment."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C016"],"coordinator_review":{"row_zero_based":23,"coverage_id":"EW-B05","topic":"EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2.","Status":"partial","Exact claim IDs":"C_EW-P01-C016","Missing proof and next focused action":"Confirm IP's exact capacity and relevant statutory definition/appointment."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017.","researcher_record":{"Coverage item; finding location":"EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017.","Status":"partial","Exact claim IDs":"C_EW-P01-C017","Missing proof and next focused action":"Reopen RAO 39H–39K and actual ownership/agency facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C017"],"coordinator_review":{"row_zero_based":24,"coverage_id":"EW-B06","topic":"EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017.","Status":"partial","Exact claim IDs":"C_EW-P01-C017","Missing proof and next focused action":"Reopen RAO 39H–39K and actual ownership/agency facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018.","researcher_record":{"Coverage item; finding location":"EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018.","Status":"partial","Exact claim IDs":"C_EW-P01-C007, C_EW-P01-C018","Missing proof and next focused action":"Read collector-specific rules in a separate focused pass and linked exclusions."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C007","C_EW-P01-C018"],"coordinator_review":{"row_zero_based":25,"coverage_id":"EW-B07","topic":"EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018.","Status":"partial","Exact claim IDs":"C_EW-P01-C007, C_EW-P01-C018","Missing proof and next focused action":"Read collector-specific rules in a separate focused pass and linked exclusions."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039.","researcher_record":{"Coverage item; finding location":"EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039.","Status":"partial","Exact claim IDs":"C_EW-P01-C018, C_EW-P01-C039","Missing proof and next focused action":"Map legal possession, payment initiation, debtor/creditor agency and Payment Services Regulations separately."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C018","C_EW-P01-C039"],"coordinator_review":{"row_zero_based":26,"coverage_id":"EW-B08","topic":"EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039.","Status":"partial","Exact claim IDs":"C_EW-P01-C018, C_EW-P01-C039","Missing proof and next focused action":"Map legal possession, payment initiation, debtor/creditor agency and Payment Services Regulations separately."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019.","researcher_record":{"Coverage item; finding location":"EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019.","Status":"partial","Exact claim IDs":"C_EW-P01-C019","Missing proof and next focused action":"Retrieve operative RAO enterprise-scheme text and scheme facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C019"],"coordinator_review":{"row_zero_based":27,"coverage_id":"EW-B09","topic":"EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019.","Status":"partial","Exact claim IDs":"C_EW-P01-C019","Missing proof and next focused action":"Retrieve operative RAO enterprise-scheme text and scheme facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061.","researcher_record":{"Coverage item; finding location":"EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C020, C_EW-P01-C061","Missing proof and next focused action":"Read statutory basis and exact official function before treating actor as exempt or eligible."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C020","C_EW-P01-C061"],"coordinator_review":{"row_zero_based":28,"coverage_id":"EW-B10","topic":"EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C020, C_EW-P01-C061","Missing proof and next focused action":"Read statutory basis and exact official function before treating actor as exempt or eligible."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021.","researcher_record":{"Coverage item; finding location":"EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021.","Status":"answered","Exact claim IDs":"C_EW-P01-C021","Missing proof and next focused action":"No named entity/person/permission search, and no claim that any provider presently holds approval."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C021"],"coordinator_review":{"row_zero_based":29,"coverage_id":"EW-B11","topic":"EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021.","Status":"answered","Exact claim IDs":"C_EW-P01-C021","Missing proof and next focused action":"No named entity/person/permission search, and no claim that any provider presently holds approval."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033.","researcher_record":{"Coverage item; finding location":"EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C023, C_EW-P01-C033","Missing proof and next focused action":"Separate FCA fee tariff/FEES module by firm type from any consumer charge."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C023","C_EW-P01-C033"],"coordinator_review":{"row_zero_based":30,"coverage_id":"EW-B12","topic":"EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033.","original_status":"unresolved","original_record":{"Coverage item; finding location":"EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C023, C_EW-P01-C033","Missing proof and next focused action":"Separate FCA fee tariff/FEES module by firm type from any consumer charge."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023.","researcher_record":{"Coverage item; finding location":"EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023.","Status":"answered","Exact claim IDs":"C_EW-P01-C023","Missing proof and next focused action":"Any actual amount needs managed debt value, accounting date, other activities and eligible resource balances."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C023"],"coordinator_review":{"row_zero_based":31,"coverage_id":"EW-B13","topic":"EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023.","Status":"answered","Exact claim IDs":"C_EW-P01-C023","Missing proof and next focused action":"Any actual amount needs managed debt value, accounting date, other activities and eligible resource balances."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q003"],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023.","researcher_record":{"Coverage item; finding location":"EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C023","Missing proof and next focused action":"Read FCA threshold conditions, firm-specific permission conditions, professional body rules and any applicable PII requirement."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C023"],"coordinator_review":{"row_zero_based":32,"coverage_id":"EW-B14","topic":"EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023.","original_status":"unresolved","original_record":{"Coverage item; finding location":"EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023.","Status":"unresolved","Exact claim IDs":"C_EW-P01-C023","Missing proof and next focused action":"Read FCA threshold conditions, firm-specific permission conditions, professional body rules and any applicable PII requirement."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049.","researcher_record":{"Coverage item; finding location":"EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049.","Status":"partial","Exact claim IDs":"C_EW-P01-C022, C_EW-P01-C049","Missing proof and next focused action":"Read FSMA ss 23 and 26–28, including exceptions, discretion, recovery and transaction nexus before claiming remedy."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C022","C_EW-P01-C049"],"coordinator_review":{"row_zero_based":33,"coverage_id":"EW-B15","topic":"EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049.","Status":"partial","Exact claim IDs":"C_EW-P01-C022, C_EW-P01-C049","Missing proof and next focused action":"Read FSMA ss 23 and 26–28, including exceptions, discretion, recovery and transaction nexus before claiming remedy."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5.","researcher_record":{"Coverage item; finding location":"EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5.","Status":"answered","Exact claim IDs":"C_EW-P01-C024","Missing proof and next focused action":"Particular advertisement and audience not provided; no violation found for an actual actor."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C024"],"coordinator_review":{"row_zero_based":34,"coverage_id":"EW-C01","topic":"EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5.","Status":"answered","Exact claim IDs":"C_EW-P01-C024","Missing proof and next focused action":"Particular advertisement and audience not provided; no violation found for an actual actor."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025.","researcher_record":{"Coverage item; finding location":"EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025.","Status":"answered","Exact claim IDs":"C_EW-P01-C025","Missing proof and next focused action":"Scope limited to “debt management firm”; actual communication not obtained."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C025"],"coordinator_review":{"row_zero_based":35,"coverage_id":"EW-C02","topic":"EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025.","Status":"answered","Exact claim IDs":"C_EW-P01-C025","Missing proof and next focused action":"Scope limited to “debt management firm”; actual communication not obtained."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028.","researcher_record":{"Coverage item; finding location":"EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028.","Status":"answered","Exact claim IDs":"C_EW-P01-C027, C_EW-P01-C028","Missing proof and next focused action":"Document delivery/receipt and consumer-credit disclosure-regulation branch remain contract facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027","C_EW-P01-C028"],"coordinator_review":{"row_zero_based":36,"coverage_id":"EW-C03","topic":"EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028.","Status":"answered","Exact claim IDs":"C_EW-P01-C027, C_EW-P01-C028","Missing proof and next focused action":"Document delivery/receipt and consumer-credit disclosure-regulation branch remain contract facts."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q001"],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026.","researcher_record":{"Coverage item; finding location":"EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026.","Status":"answered","Exact claim IDs":"C_EW-P01-C026","Missing proof and next focused action":"Actual budget/medical/employment evidence required for individual determination."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C026"],"coordinator_review":{"row_zero_based":37,"coverage_id":"EW-C04","topic":"EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026.","Status":"answered","Exact claim IDs":"C_EW-P01-C026","Missing proof and next focused action":"Actual budget/medical/employment evidence required for individual determination."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027.","researcher_record":{"Coverage item; finding location":"EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027.","Status":"answered","Exact claim IDs":"C_EW-P01-C025, C_EW-P01-C026, C_EW-P01-C027","Missing proof and next focused action":"Availability and eligibility of each local mechanism require separate check."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C025","C_EW-P01-C026","C_EW-P01-C027"],"coordinator_review":{"row_zero_based":38,"coverage_id":"EW-C05","topic":"EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027.","Status":"answered","Exact claim IDs":"C_EW-P01-C025, C_EW-P01-C026, C_EW-P01-C027","Missing proof and next focused action":"Availability and eligibility of each local mechanism require separate check."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027.","researcher_record":{"Coverage item; finding location":"EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027.","Status":"answered","Exact claim IDs":"C_EW-P01-C027","Missing proof and next focused action":"Amounts and enforcement priority deferred; provider must address actual risk."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027"],"coordinator_review":{"row_zero_based":39,"coverage_id":"EW-C06","topic":"EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027.","Status":"answered","Exact claim IDs":"C_EW-P01-C027","Missing proof and next focused action":"Amounts and enforcement priority deferred; provider must address actual risk."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030.","researcher_record":{"Coverage item; finding location":"EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030.","Status":"answered","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C030","Missing proof and next focused action":"Actual vulnerability evidence and reasonable adjustments are case-specific; full equality-law regime not researched."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C026","C_EW-P01-C030"],"coordinator_review":{"row_zero_based":40,"coverage_id":"EW-C07","topic":"EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030.","Status":"answered","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C030","Missing proof and next focused action":"Actual vulnerability evidence and reasonable adjustments are case-specific; full equality-law regime not researched."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027.","researcher_record":{"Coverage item; finding location":"EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027.","Status":"answered","Exact claim IDs":"C_EW-P01-C027","Missing proof and next focused action":"Must inspect reason record before accepting exception; no contract obtained."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027"],"coordinator_review":{"row_zero_based":41,"coverage_id":"EW-C08","topic":"EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027.","Status":"answered","Exact claim IDs":"C_EW-P01-C027","Missing proof and next focused action":"Must inspect reason record before accepting exception; no contract obtained."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028.","researcher_record":{"Coverage item; finding location":"EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028.","Status":"answered","Exact claim IDs":"C_EW-P01-C028","Missing proof and next focused action":"Individual enforceability/private-remedy and contract text remain untested."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C028"],"coordinator_review":{"row_zero_based":42,"coverage_id":"EW-C09","topic":"EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028.","Status":"answered","Exact claim IDs":"C_EW-P01-C028","Missing proof and next focused action":"Individual enforceability/private-remedy and contract text remain untested."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029.","researcher_record":{"Coverage item; finding location":"EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029.","Status":"answered","Exact claim IDs":"C_EW-P01-C029","Missing proof and next focused action":"Any exact distributable sum needs creditor/current budget evidence."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C029"],"coordinator_review":{"row_zero_based":43,"coverage_id":"EW-C10","topic":"EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029.","Status":"answered","Exact claim IDs":"C_EW-P01-C029","Missing proof and next focused action":"Any exact distributable sum needs creditor/current budget evidence."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032.","researcher_record":{"Coverage item; finding location":"EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032.","Status":"answered","Exact claim IDs":"C_EW-P01-C031, C_EW-P01-C032","Missing proof and next focused action":"No fee calculation without actual contract, plan and ledger."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C031","C_EW-P01-C032"],"coordinator_review":{"row_zero_based":44,"coverage_id":"EW-C11","topic":"EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032.","Status":"answered","Exact claim IDs":"C_EW-P01-C031, C_EW-P01-C032","Missing proof and next focused action":"No fee calculation without actual contract, plan and ledger."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q002"],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032.","researcher_record":{"Coverage item; finding location":"EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032.","Status":"answered","Exact claim IDs":"C_EW-P01-C032","Missing proof and next focused action":"Actual plan compliance additionally tested under 8.7.2R."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C032"],"coordinator_review":{"row_zero_based":45,"coverage_id":"EW-C12","topic":"EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032.","Status":"answered","Exact claim IDs":"C_EW-P01-C032","Missing proof and next focused action":"Actual plan compliance additionally tested under 8.7.2R."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_EW-P01-Q002"],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4.","Status":"partial","Exact claim IDs":"C_EW-P01-C031, C_EW-P01-C045","Missing proof and next focused action":"Inspect precontract holding term, separate attention/risk explanation and CASS allocation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C031","C_EW-P01-C045"],"coordinator_review":{"row_zero_based":46,"coverage_id":"EW-C13","topic":"EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4.","Status":"partial","Exact claim IDs":"C_EW-P01-C031, C_EW-P01-C045","Missing proof and next focused action":"Inspect precontract holding term, separate attention/risk explanation and CASS allocation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033.","researcher_record":{"Coverage item; finding location":"EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033.","Status":"answered","Exact claim IDs":"C_EW-P01-C033","Missing proof and next focused action":"Actual mandates, method, dates and contract needed."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C033"],"coordinator_review":{"row_zero_based":47,"coverage_id":"EW-C14","topic":"EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033.","Status":"answered","Exact claim IDs":"C_EW-P01-C033","Missing proof and next focused action":"Actual mandates, method, dates and contract needed."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5.","researcher_record":{"Coverage item; finding location":"EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5.","Status":"answered","Exact claim IDs":"C_EW-P01-C034","Missing proof and next focused action":"Prove defect, charge link and restitution/account treatment."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C034"],"coordinator_review":{"row_zero_based":48,"coverage_id":"EW-C15","topic":"EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5.","Status":"answered","Exact claim IDs":"C_EW-P01-C034","Missing proof and next focused action":"Prove defect, charge link and restitution/account treatment."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C034","Missing proof and next focused action":"Work records, degree of failure and fees paid necessary for actual calculation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C034"],"coordinator_review":{"row_zero_based":49,"coverage_id":"EW-C16","topic":"EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C034","Missing proof and next focused action":"Work records, degree of failure and fees paid necessary for actual calculation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035.","researcher_record":{"Coverage item; finding location":"EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035.","Status":"answered","Exact claim IDs":"C_EW-P01-C035","Missing proof and next focused action":"Transaction-date scope and remuneration records needed; no specific actors inspected."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C035"],"coordinator_review":{"row_zero_based":50,"coverage_id":"EW-C17","topic":"EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035.","Status":"answered","Exact claim IDs":"C_EW-P01-C035","Missing proof and next focused action":"Transaction-date scope and remuneration records needed; no specific actors inspected."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C036","Missing proof and next focused action":"Need actual contract category, delivery facts and exceptions."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C036"],"coordinator_review":{"row_zero_based":51,"coverage_id":"EW-C18","topic":"EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C036","Missing proof and next focused action":"Need actual contract category, delivery facts and exceptions."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038.","researcher_record":{"Coverage item; finding location":"EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038.","Status":"answered","Exact claim IDs":"C_EW-P01-C037, C_EW-P01-C038","Missing proof and next focused action":"No trigger/method/receipt dates supplied; no calendar date calculated."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C037","C_EW-P01-C038"],"coordinator_review":{"row_zero_based":52,"coverage_id":"EW-C19","topic":"EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038.","Status":"answered","Exact claim IDs":"C_EW-P01-C037, C_EW-P01-C038","Missing proof and next focused action":"No trigger/method/receipt dates supplied; no calendar date calculated."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C038","Missing proof and next focused action":"Proof of consumer early-performance request, prior charge disclosure and actual work required."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C038"],"coordinator_review":{"row_zero_based":53,"coverage_id":"EW-C20","topic":"EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C038","Missing proof and next focused action":"Proof of consumer early-performance request, prior charge disclosure and actual work required."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030.","researcher_record":{"Coverage item; finding location":"EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030.","Status":"answered","Exact claim IDs":"C_EW-P01-C029, C_EW-P01-C030","Missing proof and next focused action":"Actual frequency, communication and evidence of change need records."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C029","C_EW-P01-C030"],"coordinator_review":{"row_zero_based":54,"coverage_id":"EW-C21","topic":"EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030.","Status":"answered","Exact claim IDs":"C_EW-P01-C029, C_EW-P01-C030","Missing proof and next focused action":"Actual frequency, communication and evidence of change need records."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2.","researcher_record":{"Coverage item; finding location":"EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2.","Status":"answered","Exact claim IDs":"C_EW-P01-C057","Missing proof and next focused action":"Each creditor agreement and applicable contractual/statutory enforcement rights still need separate analysis."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C057"],"coordinator_review":{"row_zero_based":55,"coverage_id":"EW-C22","topic":"EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2.","Status":"answered","Exact claim IDs":"C_EW-P01-C057","Missing proof and next focused action":"Each creditor agreement and applicable contractual/statutory enforcement rights still need separate analysis."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5.","researcher_record":{"Coverage item; finding location":"EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5.","Status":"answered","Exact claim IDs":"C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"Check formal entry evidence before describing moratorium or discharge."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C057","C_EW-P01-C058","C_EW-P01-C059","C_EW-P01-C060","C_EW-P01-C061"],"coordinator_review":{"row_zero_based":56,"coverage_id":"EW-C23","topic":"EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5.","Status":"answered","Exact claim IDs":"C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"Check formal entry evidence before describing moratorium or discharge."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6.","researcher_record":{"Coverage item; finding location":"EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6.","Status":"answered","Exact claim IDs":"C_EW-P01-C039","Missing proof and next focused action":"Match actual actor, payment purpose and exclusions before applying CASS."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C039"],"coordinator_review":{"row_zero_based":57,"coverage_id":"EW-D01","topic":"EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6.","Status":"answered","Exact claim IDs":"C_EW-P01-C039","Missing proof and next focused action":"Match actual actor, payment purpose and exclusions before applying CASS."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5.","researcher_record":{"Coverage item; finding location":"EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5.","Status":"answered","Exact claim IDs":"C_EW-P01-C034, C_EW-P01-C039","Missing proof and next focused action":"Contract, invoice, services provided and allocation ledger required."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C034","C_EW-P01-C039"],"coordinator_review":{"row_zero_based":58,"coverage_id":"EW-D02","topic":"EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5.","Status":"answered","Exact claim IDs":"C_EW-P01-C034, C_EW-P01-C039","Missing proof and next focused action":"Contract, invoice, services provided and allocation ledger required."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041.","researcher_record":{"Coverage item; finding location":"EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041.","Status":"answered","Exact claim IDs":"C_EW-P01-C041","Missing proof and next focused action":"Firm-specific holdings and notifications unavailable."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C041"],"coordinator_review":{"row_zero_based":59,"coverage_id":"EW-D03","topic":"EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041.","Status":"answered","Exact claim IDs":"C_EW-P01-C041","Missing proof and next focused action":"Firm-specific holdings and notifications unavailable."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040.","researcher_record":{"Coverage item; finding location":"EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040.","Status":"answered","Exact claim IDs":"C_EW-P01-C040","Missing proof and next focused action":"Actual account/trust records unavailable; protection not guaranteed recovery."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C040"],"coordinator_review":{"row_zero_based":60,"coverage_id":"EW-D04","topic":"EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040.","Status":"answered","Exact claim IDs":"C_EW-P01-C040","Missing proof and next focused action":"Actual account/trust records unavailable; protection not guaranteed recovery."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042.","researcher_record":{"Coverage item; finding location":"EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042.","Status":"answered","Exact claim IDs":"C_EW-P01-C042","Missing proof and next focused action":"Confirm actual bank, acknowledgment and account operation in a provider-specific review, if authorised."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C042"],"coordinator_review":{"row_zero_based":61,"coverage_id":"EW-D05","topic":"EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042.","Status":"answered","Exact claim IDs":"C_EW-P01-C042","Missing proof and next focused action":"Confirm actual bank, acknowledgment and account operation in a provider-specific review, if authorised."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043.","researcher_record":{"Coverage item; finding location":"EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043.","Status":"answered","Exact claim IDs":"C_EW-P01-C043","Missing proof and next focused action":"Need payment-medium and bank-clearing facts for a deadline calculation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C043"],"coordinator_review":{"row_zero_based":62,"coverage_id":"EW-D06","topic":"EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043.","Status":"answered","Exact claim IDs":"C_EW-P01-C043","Missing proof and next focused action":"Need payment-medium and bank-clearing facts for a deadline calculation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044.","researcher_record":{"Coverage item; finding location":"EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044.","Status":"answered","Exact claim IDs":"C_EW-P01-C041, C_EW-P01-C044","Missing proof and next focused action":"Actual records and method unavailable; no assumed zero shortfall."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C041","C_EW-P01-C044"],"coordinator_review":{"row_zero_based":63,"coverage_id":"EW-D07","topic":"EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044.","Status":"answered","Exact claim IDs":"C_EW-P01-C041, C_EW-P01-C044","Missing proof and next focused action":"Actual records and method unavailable; no assumed zero shortfall."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045.","researcher_record":{"Coverage item; finding location":"EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045.","Status":"answered","Exact claim IDs":"C_EW-P01-C045","Missing proof and next focused action":"Check cleared receipt, business-day calendar, distribution history and whether exception actually established."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C045"],"coordinator_review":{"row_zero_based":64,"coverage_id":"EW-D08","topic":"EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045.","Status":"answered","Exact claim IDs":"C_EW-P01-C045","Missing proof and next focused action":"Check cleared receipt, business-day calendar, distribution history and whether exception actually established."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C045","Missing proof and next focused action":"Missing any predicate changes branch; actual contracts unavailable."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C045"],"coordinator_review":{"row_zero_based":65,"coverage_id":"EW-D09","topic":"EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4.","Status":"answered","Exact claim IDs":"C_EW-P01-C045","Missing proof and next focused action":"Missing any predicate changes branch; actual contracts unavailable."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046.","researcher_record":{"Coverage item; finding location":"EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046.","Status":"answered","Exact claim IDs":"C_EW-P01-C045, C_EW-P01-C046","Missing proof and next focused action":"Require proof of delay, causation, fees/interest and factors outside firm's control."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C045","C_EW-P01-C046"],"coordinator_review":{"row_zero_based":66,"coverage_id":"EW-D10","topic":"EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046.","Status":"answered","Exact claim IDs":"C_EW-P01-C045, C_EW-P01-C046","Missing proof and next focused action":"Require proof of delay, causation, fees/interest and factors outside firm's control."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4.","Status":"partial","Exact claim IDs":"C_EW-P01-C047, C_EW-P01-C038","Missing proof and next focused action":"Exact client-money release instructions, bank transfer status and cancellation receipt are case-specific; ordinary contractual termination branch needs exact agreement."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C047","C_EW-P01-C038"],"coordinator_review":{"row_zero_based":67,"coverage_id":"EW-D11","topic":"EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4.","Status":"partial","Exact claim IDs":"C_EW-P01-C047, C_EW-P01-C038","Missing proof and next focused action":"Exact client-money release instructions, bank transfer status and cancellation receipt are case-specific; ordinary contractual termination branch needs exact agreement."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6.","researcher_record":{"Coverage item; finding location":"EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6.","Status":"answered","Exact claim IDs":"C_EW-P01-C048","Missing proof and next focused action":"Actual insolvency pool, competing claims and costs not obtained; numerical pool example not an entitlement determination."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C048"],"coordinator_review":{"row_zero_based":68,"coverage_id":"EW-D12","topic":"EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6.","Status":"answered","Exact claim IDs":"C_EW-P01-C048","Missing proof and next focused action":"Actual insolvency pool, competing claims and costs not obtained; numerical pool example not an entitlement determination."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054.","researcher_record":{"Coverage item; finding location":"EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054.","Status":"answered","Exact claim IDs":"C_EW-P01-C048, C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054","Missing proof and next focused action":"Underlying bank failure/administration facts and claimant eligibility determine actual outcome."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C048","C_EW-P01-C052","C_EW-P01-C053","C_EW-P01-C054"],"coordinator_review":{"row_zero_based":69,"coverage_id":"EW-D13","topic":"EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054.","Status":"answered","Exact claim IDs":"C_EW-P01-C048, C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054","Missing proof and next focused action":"Underlying bank failure/administration facts and claimant eligibility determine actual outcome."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049.","researcher_record":{"Coverage item; finding location":"EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049.","Status":"partial","Exact claim IDs":"C_EW-P01-C049","Missing proof and next focused action":"FSMA s 138D operative body and specific cause-of-action elements remain statutory hold."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C049"],"coordinator_review":{"row_zero_based":70,"coverage_id":"EW-D14","topic":"EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049.","Status":"partial","Exact claim IDs":"C_EW-P01-C049","Missing proof and next focused action":"FSMA s 138D operative body and specific cause-of-action elements remain statutory hold."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051.","researcher_record":{"Coverage item; finding location":"EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051.","Status":"answered","Exact claim IDs":"C_EW-P01-C050, C_EW-P01-C051","Missing proof and next focused action":"An individual respondent and complaint have not been assessed; no submission made."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C050","C_EW-P01-C051"],"coordinator_review":{"row_zero_based":71,"coverage_id":"EW-D15","topic":"EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051.","Status":"answered","Exact claim IDs":"C_EW-P01-C050, C_EW-P01-C051","Missing proof and next focused action":"An individual respondent and complaint have not been assessed; no submission made."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051.","researcher_record":{"Coverage item; finding location":"EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051.","Status":"answered","Exact claim IDs":"C_EW-P01-C051","Missing proof and next focused action":"No consumer-specific deadlines computed without receipt/final response/awareness facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C051"],"coordinator_review":{"row_zero_based":72,"coverage_id":"EW-D16","topic":"EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051.","Status":"answered","Exact claim IDs":"C_EW-P01-C051","Missing proof and next focused action":"No consumer-specific deadlines computed without receipt/final response/awareness facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054.","researcher_record":{"Coverage item; finding location":"EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054.","Status":"answered","Exact claim IDs":"C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054","Missing proof and next focused action":"Failure date, eligibility, firm status and reconciliation still case-specific; not coverage for mere dissatisfaction."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C052","C_EW-P01-C053","C_EW-P01-C054"],"coordinator_review":{"row_zero_based":73,"coverage_id":"EW-D17","topic":"EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054.","Status":"answered","Exact claim IDs":"C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054","Missing proof and next focused action":"Failure date, eligibility, firm status and reconciliation still case-specific; not coverage for mere dissatisfaction."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056.","researcher_record":{"Coverage item; finding location":"EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056.","Status":"answered","Exact claim IDs":"C_EW-P01-C055, C_EW-P01-C056","Missing proof and next focused action":"No citator, acceptance/implementation record, representative sample or basis for universal damages tariff."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C055","C_EW-P01-C056"],"coordinator_review":{"row_zero_based":74,"coverage_id":"EW-D18","topic":"EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056.","Status":"answered","Exact claim IDs":"C_EW-P01-C055, C_EW-P01-C056","Missing proof and next focused action":"No citator, acceptance/implementation record, representative sample or basis for universal damages tariff."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050.","researcher_record":{"Coverage item; finding location":"EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050.","Status":"answered","Exact claim IDs":"C_EW-P01-C021, C_EW-P01-C028, C_EW-P01-C029, C_EW-P01-C038, C_EW-P01-C039, C_EW-P01-C047, C_EW-P01-C050","Missing proof and next focused action":"No private records requested, received or examined."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C021","C_EW-P01-C028","C_EW-P01-C029","C_EW-P01-C038","C_EW-P01-C039","C_EW-P01-C047","C_EW-P01-C050"],"coordinator_review":{"row_zero_based":75,"coverage_id":"EW-D19","topic":"EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050.","Status":"answered","Exact claim IDs":"C_EW-P01-C021, C_EW-P01-C028, C_EW-P01-C029, C_EW-P01-C038, C_EW-P01-C039, C_EW-P01-C047, C_EW-P01-C050","Missing proof and next focused action":"No private records requested, received or examined."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2.","researcher_record":{"Coverage item; finding location":"EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2.","Status":"answered","Exact claim IDs":"C_EW-P01-C057","Missing proof and next focused action":"Individual creditor acceptance, interest and enforcement must be proved."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C057"],"coordinator_review":{"row_zero_based":76,"coverage_id":"EW-E01","topic":"EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2.","original_status":"answered","original_record":{"Coverage item; finding location":"EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2.","Status":"answered","Exact claim IDs":"C_EW-P01-C057","Missing proof and next focused action":"Individual creditor acceptance, interest and enforcement must be proved."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4.","researcher_record":{"Coverage item; finding location":"EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4.","Status":"partial","Exact claim IDs":"C_EW-P01-C031, C_EW-P01-C057","Missing proof and next focused action":"Exact offer, acceptance, released parties, balance and security clauses unavailable; full contract-law interpretation deferred."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C031","C_EW-P01-C057"],"coordinator_review":{"row_zero_based":77,"coverage_id":"EW-E02","topic":"EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4.","Status":"partial","Exact claim IDs":"C_EW-P01-C031, C_EW-P01-C057","Missing proof and next focused action":"Exact offer, acceptance, released parties, balance and security clauses unavailable; full contract-law interpretation deferred."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E03 — IVA versus provider DMP. Requires formal insolvency practitioner/approval route. §4 C058; Scenario 2.","researcher_record":{"Coverage item; finding location":"EW-E03 — IVA versus provider DMP. Requires formal insolvency practitioner/approval route. §4 C058; Scenario 2.","Status":"partial","Exact claim IDs":"C_EW-P01-C058","Missing proof and next focused action":"Focused pass needed for votes, forms, property equity, modifications, fees, defaults and discharge."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C058"],"coordinator_review":{"row_zero_based":78,"coverage_id":"EW-E03","topic":"EW-E03 — IVA versus provider DMP. Requires formal insolvency practitioner/approval route. §4 C058; Scenario 2.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E03 — IVA versus provider DMP. Requires formal insolvency practitioner/approval route. §4 C058; Scenario 2.","Status":"partial","Exact claim IDs":"C_EW-P01-C058","Missing proof and next focused action":"Focused pass needed for votes, forms, property equity, modifications, fees, defaults and discharge."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E04 — DRO versus provider plan. Distinct statutory application/intermediary. §4 C059; Scenario 2.","researcher_record":{"Coverage item; finding location":"EW-E04 — DRO versus provider plan. Distinct statutory application/intermediary. §4 C059; Scenario 2.","Status":"partial","Exact claim IDs":"C_EW-P01-C059","Missing proof and next focused action":"Read current operative eligibility limits, exclusions, application process, restrictions and commencement changes."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C059"],"coordinator_review":{"row_zero_based":79,"coverage_id":"EW-E04","topic":"EW-E04 — DRO versus provider plan. Distinct statutory application/intermediary. §4 C059; Scenario 2.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E04 — DRO versus provider plan. Distinct statutory application/intermediary. §4 C059; Scenario 2.","Status":"partial","Exact claim IDs":"C_EW-P01-C059","Missing proof and next focused action":"Read current operative eligibility limits, exclusions, application process, restrictions and commencement changes."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E05 — Bankruptcy versus settlement. Formal order/officeholder separate. §4 C060.","researcher_record":{"Coverage item; finding location":"EW-E05 — Bankruptcy versus settlement. Formal order/officeholder separate. §4 C060.","Status":"partial","Exact claim IDs":"C_EW-P01-C060","Missing proof and next focused action":"Separate Insolvency Act/Rules pass for assets, secured creditors, fees, exemptions, discharge and procedure."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C060"],"coordinator_review":{"row_zero_based":80,"coverage_id":"EW-E05","topic":"EW-E05 — Bankruptcy versus settlement. Formal order/officeholder separate. §4 C060.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E05 — Bankruptcy versus settlement. Formal order/officeholder separate. §4 C060.","Status":"partial","Exact claim IDs":"C_EW-P01-C060","Missing proof and next focused action":"Separate Insolvency Act/Rules pass for assets, secured creditors, fees, exemptions, discharge and procedure."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E06 — Breathing space. England/Wales statutory respite with qualified adviser route; standard/mental-health branches. §4 C061.","researcher_record":{"Coverage item; finding location":"EW-E06 — Breathing space. England/Wales statutory respite with qualified adviser route; standard/mental-health branches. §4 C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C061","Missing proof and next focused action":"Operative SI 2020/1311 failed; read regulation text, amendments and exceptions before precise legal-effect or deadline assertion."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C061"],"coordinator_review":{"row_zero_based":81,"coverage_id":"EW-E06","topic":"EW-E06 — Breathing space. England/Wales statutory respite with qualified adviser route; standard/mental-health branches. §4 C061.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E06 — Breathing space. England/Wales statutory respite with qualified adviser route; standard/mental-health branches. §4 C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C061","Missing proof and next focused action":"Operative SI 2020/1311 failed; read regulation text, amendments and exceptions before precise legal-effect or deadline assertion."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E07 — England. FCA provider standards and official E/W insolvency/respite descriptions researched. §4 C025–C061.","researcher_record":{"Coverage item; finding location":"EW-E07 — England. FCA provider standards and official E/W insolvency/respite descriptions researched. §4 C025–C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C025, C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"England-specific collection, court, limitation and public-debt remedies deferred."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C025","C_EW-P01-C057","C_EW-P01-C058","C_EW-P01-C059","C_EW-P01-C060","C_EW-P01-C061"],"coordinator_review":{"row_zero_based":82,"coverage_id":"EW-E07","topic":"EW-E07 — England. FCA provider standards and official E/W insolvency/respite descriptions researched. §4 C025–C061.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E07 — England. FCA provider standards and official E/W insolvency/respite descriptions researched. §4 C025–C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C025, C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"England-specific collection, court, limitation and public-debt remedies deferred."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E08 — Wales. FCA UK-wide rules apply within their terms; cited IVA/DRO/bankruptcy/breathing-space guidance expressly addresses England and Wales. §2 Scenarios 2/3; §4 C010/C058–C061.","researcher_record":{"Coverage item; finding location":"EW-E08 — Wales. FCA UK-wide rules apply within their terms; cited IVA/DRO/bankruptcy/breathing-space guidance expressly addresses England and Wales. §2 Scenarios 2/3; §4 C010/C058–C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C010, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"Check any devolved advice programme, local-authority function and Wales-specific debt/housing process in separate pass. No proof that every local remedy is identical."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C010","C_EW-P01-C058","C_EW-P01-C059","C_EW-P01-C060","C_EW-P01-C061"],"coordinator_review":{"row_zero_based":83,"coverage_id":"EW-E08","topic":"EW-E08 — Wales. FCA UK-wide rules apply within their terms; cited IVA/DRO/bankruptcy/breathing-space guidance expressly addresses England and Wales. §2 Scenarios 2/3; §4 C010/C058–C061.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E08 — Wales. FCA UK-wide rules apply within their terms; cited IVA/DRO/bankruptcy/breathing-space guidance expressly addresses England and Wales. §2 Scenarios 2/3; §4 C010/C058–C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C010, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"Check any devolved advice programme, local-authority function and Wales-specific debt/housing process in separate pass. No proof that every local remedy is identical."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E09 — Scotland. Distinct local debt solutions and enforcement regimes, not independently investigated. §4 C026/C035 notes country sensitivity.","researcher_record":{"Coverage item; finding location":"EW-E09 — Scotland. Distinct local debt solutions and enforcement regimes, not independently investigated. §4 C026/C035 notes country sensitivity.","Status":"excluded_with_reason","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C035","Missing proof and next focused action":"Separate Scotland provider/regulated advice plus debt solution/enforcement dossier; do not transpose E/W IVA/DRO/breathing rules."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C026","C_EW-P01-C035"],"coordinator_review":{"row_zero_based":84,"coverage_id":"EW-E09","topic":"EW-E09 — Scotland. Distinct local debt solutions and enforcement regimes, not independently investigated. §4 C026/C035 notes country sensitivity.","original_status":"excluded_with_reason","original_record":{"Coverage item; finding location":"EW-E09 — Scotland. Distinct local debt solutions and enforcement regimes, not independently investigated. §4 C026/C035 notes country sensitivity.","Status":"excluded_with_reason","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C035","Missing proof and next focused action":"Separate Scotland provider/regulated advice plus debt solution/enforcement dossier; do not transpose E/W IVA/DRO/breathing rules."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E10 — Northern Ireland. Distinct insolvency and local process, not independently investigated. §4 C026/C035 notes country sensitivity.","researcher_record":{"Coverage item; finding location":"EW-E10 — Northern Ireland. Distinct insolvency and local process, not independently investigated. §4 C026/C035 notes country sensitivity.","Status":"excluded_with_reason","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C035","Missing proof and next focused action":"Separate Northern Ireland provider/regulated advice plus debt solution/enforcement dossier; no conclusion from UK-wide FCA material alone."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C026","C_EW-P01-C035"],"coordinator_review":{"row_zero_based":85,"coverage_id":"EW-E10","topic":"EW-E10 — Northern Ireland. Distinct insolvency and local process, not independently investigated. §4 C026/C035 notes country sensitivity.","original_status":"excluded_with_reason","original_record":{"Coverage item; finding location":"EW-E10 — Northern Ireland. Distinct insolvency and local process, not independently investigated. §4 C026/C035 notes country sensitivity.","Status":"excluded_with_reason","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C035","Missing proof and next focused action":"Separate Northern Ireland provider/regulated advice plus debt solution/enforcement dossier; no conclusion from UK-wide FCA material alone."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E11 — England-versus-Wales exact differences. FCA standards common within scope; named government statutory processes explicitly cover both, but complete local comparison not made. §4 C026/C058–C061.","researcher_record":{"Coverage item; finding location":"EW-E11 — England-versus-Wales exact differences. FCA standards common within scope; named government statutory processes explicitly cover both, but complete local comparison not made. §4 C026/C058–C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"Compare any devolved advice services and relevant local civil-enforcement/housing rules next pass."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C026","C_EW-P01-C058","C_EW-P01-C059","C_EW-P01-C060","C_EW-P01-C061"],"coordinator_review":{"row_zero_based":86,"coverage_id":"EW-E11","topic":"EW-E11 — England-versus-Wales exact differences. FCA standards common within scope; named government statutory processes explicitly cover both, but complete local comparison not made. §4 C026/C058–C061.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E11 — England-versus-Wales exact differences. FCA standards common within scope; named government statutory processes explicitly cover both, but complete local comparison not made. §4 C026/C058–C061.","Status":"partial","Exact claim IDs":"C_EW-P01-C026, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061","Missing proof and next focused action":"Compare any devolved advice services and relevant local civil-enforcement/housing rules next pass."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E12 — Insolvency-professional versus regulated debt-advice roles. An IP acting within appointment differs from ordinary adviser/negotiator. §4 C015/C016/C058.","researcher_record":{"Coverage item; finding location":"EW-E12 — Insolvency-professional versus regulated debt-advice roles. An IP acting within appointment differs from ordinary adviser/negotiator. §4 C015/C016/C058.","Status":"partial","Exact claim IDs":"C_EW-P01-C015, C_EW-P01-C016, C_EW-P01-C058","Missing proof and next focused action":"Read IP authorisation/supervision statute and professional-body rules in targeted pass, not equated to FCA Part 4A."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C015","C_EW-P01-C016","C_EW-P01-C058"],"coordinator_review":{"row_zero_based":87,"coverage_id":"EW-E12","topic":"EW-E12 — Insolvency-professional versus regulated debt-advice roles. An IP acting within appointment differs from ordinary adviser/negotiator. §4 C015/C016/C058.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E12 — Insolvency-professional versus regulated debt-advice roles. An IP acting within appointment differs from ordinary adviser/negotiator. §4 C015/C016/C058.","Status":"partial","Exact claim IDs":"C_EW-P01-C015, C_EW-P01-C016, C_EW-P01-C058","Missing proof and next focused action":"Read IP authorisation/supervision statute and professional-body rules in targeted pass, not equated to FCA Part 4A."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-E13 — Cross-border case existence. Territorial provider rule identified, but substantive foreign-law consequences remain open. §2 Scenario 3; §4 C009/C010.","researcher_record":{"Coverage item; finding location":"EW-E13 — Cross-border case existence. Territorial provider rule identified, but substantive foreign-law consequences remain open. §2 Scenario 3; §4 C009/C010.","Status":"partial","Exact claim IDs":"C_EW-P01-C009, C_EW-P01-C010","Missing proof and next focused action":"A098 specialised questions separately inventoried below; territorial interpretation is not a conflicts/judgments answer."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C009","C_EW-P01-C010"],"coordinator_review":{"row_zero_based":88,"coverage_id":"EW-E13","topic":"EW-E13 — Cross-border case existence. Territorial provider rule identified, but substantive foreign-law consequences remain open. §2 Scenario 3; §4 C009/C010.","original_status":"partial","original_record":{"Coverage item; finding location":"EW-E13 — Cross-border case existence. Territorial provider rule identified, but substantive foreign-law consequences remain open. §2 Scenario 3; §4 C009/C010.","Status":"partial","Exact claim IDs":"C_EW-P01-C009, C_EW-P01-C010","Missing proof and next focused action":"A098 specialised questions separately inventoried below; territorial interpretation is not a conflicts/judgments answer."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F01 — Consumer debt product map. Credit/hire gateway touched; no comprehensive product classification.","researcher_record":{"Coverage item and narrow current finding":"EW-F01 — Consumer debt product map. Credit/hire gateway touched; no comprehensive product classification.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C001, C_EW-P01-C002","Required focused next question":"Map credit cards, overdrafts, loans, BNPL, hire, guarantees, mortgages, utilities, rent and public debts by creditor/right/regulated status."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C001","C_EW-P01-C002"],"coordinator_review":{"row_zero_based":89,"coverage_id":"EW-F01","topic":"EW-F01 — Consumer debt product map. Credit/hire gateway touched; no comprehensive product classification.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F01 — Consumer debt product map. Credit/hire gateway touched; no comprehensive product classification.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C001, C_EW-P01-C002","Required focused next question":"Map credit cards, overdrafts, loans, BNPL, hire, guarantees, mortgages, utilities, rent and public debts by creditor/right/regulated status."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F02 — Collection conduct. Debt collecting identified as distinct activity only.","researcher_record":{"Coverage item and narrow current finding":"EW-F02 — Collection conduct. Debt collecting identified as distinct activity only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C007, C_EW-P01-C018","Required focused next question":"What creditor/agent contacts, harassment standards, required notices and FCA conduct provisions apply by actor/debt?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C007","C_EW-P01-C018"],"coordinator_review":{"row_zero_based":90,"coverage_id":"EW-F02","topic":"EW-F02 — Collection conduct. Debt collecting identified as distinct activity only.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F02 — Collection conduct. Debt collecting identified as distinct activity only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C007, C_EW-P01-C018","Required focused next question":"What creditor/agent contacts, harassment standards, required notices and FCA conduct provisions apply by actor/debt?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F03 — Validation, documentation and debt disputes. No universal US-style “validation” right imported.","researcher_record":{"Coverage item and narrow current finding":"EW-F03 — Validation, documentation and debt disputes. No universal US-style “validation” right imported.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C007","Required focused next question":"What agreement-copy, statement, information-request, assignment-notice, complaint and disputed-debt duties arise under actual UK instruments?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C007"],"coordinator_review":{"row_zero_based":91,"coverage_id":"EW-F03","topic":"EW-F03 — Validation, documentation and debt disputes. No universal US-style “validation” right imported.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F03 — Validation, documentation and debt disputes. No universal US-style “validation” right imported.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C007","Required focused next question":"What agreement-copy, statement, information-request, assignment-notice, complaint and disputed-debt duties arise under actual UK instruments?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F04 — Limitation and revival. Not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F04 — Limitation and revival. Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"For each E/W cause of action, what event starts limitation, acknowledgment/payment changes it, and judgment status alters enforcement?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":[],"coordinator_review":{"row_zero_based":92,"coverage_id":"EW-F04","topic":"EW-F04 — Limitation and revival. Not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F04 — Limitation and revival. Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"For each E/W cause of action, what event starts limitation, acknowledgment/payment changes it, and judgment status alters enforcement?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F05 — Credit reporting. Provider must warn of credit-file consequences, but reporting framework not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F05 — Credit reporting. Provider must warn of credit-file consequences, but reporting framework not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027","Required focused next question":"What UK GDPR/data accuracy, credit-reference agency, defaults, corrections, durations and challenges apply?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027"],"coordinator_review":{"row_zero_based":93,"coverage_id":"EW-F05","topic":"EW-F05 — Credit reporting. Provider must warn of credit-file consequences, but reporting framework not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F05 — Credit reporting. Provider must warn of credit-file consequences, but reporting framework not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027","Required focused next question":"What UK GDPR/data accuracy, credit-reference agency, defaults, corrections, durations and challenges apply?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F06 — Courts, procedure and service. Provider must warn legal action may continue.","researcher_record":{"Coverage item and narrow current finding":"EW-F06 — Courts, procedure and service. Provider must warn legal action may continue.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027, C_EW-P01-C057","Required focused next question":"Which courts, claim forms, service rules, admissions, default judgment procedures and defenses govern particular debts?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027","C_EW-P01-C057"],"coordinator_review":{"row_zero_based":94,"coverage_id":"EW-F06","topic":"EW-F06 — Courts, procedure and service. Provider must warn legal action may continue.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F06 — Courts, procedure and service. Provider must warn legal action may continue.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027, C_EW-P01-C057","Required focused next question":"Which courts, claim forms, service rules, admissions, default judgment procedures and defenses govern particular debts?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F07 — Judgments and post-judgment enforcement. No judgment voiding inferred from provider misconduct.","researcher_record":{"Coverage item and narrow current finding":"EW-F07 — Judgments and post-judgment enforcement. No judgment voiding inferred from provider misconduct.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C022, C_EW-P01-C057","Required focused next question":"What attachment of earnings, charging order, warrant/writ, third-party debt order and debtor-examination rules apply?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C022","C_EW-P01-C057"],"coordinator_review":{"row_zero_based":95,"coverage_id":"EW-F07","topic":"EW-F07 — Judgments and post-judgment enforcement. No judgment voiding inferred from provider misconduct.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F07 — Judgments and post-judgment enforcement. No judgment voiding inferred from provider misconduct.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C022, C_EW-P01-C057","Required focused next question":"What attachment of earnings, charging order, warrant/writ, third-party debt order and debtor-examination rules apply?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F08 — Garnishment/attachment and exemptions. Not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F08 — Garnishment/attachment and exemptions. Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"Which earnings, benefits, bank funds and assets are protected, and by what procedure? Use local UK terminology rather than US imports."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":[],"coordinator_review":{"row_zero_based":96,"coverage_id":"EW-F08","topic":"EW-F08 — Garnishment/attachment and exemptions. Not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F08 — Garnishment/attachment and exemptions. Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"Which earnings, benefits, bank funds and assets are protected, and by what procedure? Use local UK terminology rather than US imports."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F09 — Secured debts, homes and repossession. Advisers must warn about home loss; substantive property enforcement held.","researcher_record":{"Coverage item and narrow current finding":"EW-F09 — Secured debts, homes and repossession. Advisers must warn about home loss; substantive property enforcement held.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027","Required focused next question":"How do mortgage arrears, secured loans, guarantees, tenancy and repossession interact with debt relief and priorities?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027"],"coordinator_review":{"row_zero_based":97,"coverage_id":"EW-F09","topic":"EW-F09 — Secured debts, homes and repossession. Advisers must warn about home loss; substantive property enforcement held.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F09 — Secured debts, homes and repossession. Advisers must warn about home loss; substantive property enforcement held.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027","Required focused next question":"How do mortgage arrears, secured loans, guarantees, tenancy and repossession interact with debt relief and priorities?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F10 — Support obligations, fines, taxes and public debts. Priority warnings established; remedies not.","researcher_record":{"Coverage item and narrow current finding":"EW-F10 — Support obligations, fines, taxes and public debts. Priority warnings established; remedies not.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027","Required focused next question":"Map child maintenance, council tax, HMRC debts, criminal fines, benefits overpayments and utilities by enforcement/protection."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C027"],"coordinator_review":{"row_zero_based":98,"coverage_id":"EW-F10","topic":"EW-F10 — Support obligations, fines, taxes and public debts. Priority warnings established; remedies not.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F10 — Support obligations, fines, taxes and public debts. Priority warnings established; remedies not.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C027","Required focused next question":"Map child maintenance, council tax, HMRC debts, criminal fines, benefits overpayments and utilities by enforcement/protection."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F11 — Priority-of-payment analysis. Provider warnings required; comprehensive hierarchy absent.","researcher_record":{"Coverage item and narrow current finding":"EW-F11 — Priority-of-payment analysis. Provider warnings required; comprehensive hierarchy absent.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C026, C_EW-P01-C027","Required focused next question":"Build a source-backed decision tree identifying immediate loss-of-home, liberty, utility and enforcement risks before unsecured offers."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C026","C_EW-P01-C027"],"coordinator_review":{"row_zero_based":99,"coverage_id":"EW-F11","topic":"EW-F11 — Priority-of-payment analysis. Provider warnings required; comprehensive hierarchy absent.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F11 — Priority-of-payment analysis. Provider warnings required; comprehensive hierarchy absent.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C026, C_EW-P01-C027","Required focused next question":"Build a source-backed decision tree identifying immediate loss-of-home, liberty, utility and enforcement risks before unsecured offers."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F12 — Full free assistance and repayment alternatives. MoneyHelper referral identified, services not exhaustively inventoried.","researcher_record":{"Coverage item and narrow current finding":"EW-F12 — Full free assistance and repayment alternatives. MoneyHelper referral identified, services not exhaustively inventoried.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C025, C_EW-P01-C026","Required focused next question":"Determine independent adviser availability, direct creditor hardship negotiation, grants and structured repayment options by region."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C025","C_EW-P01-C026"],"coordinator_review":{"row_zero_based":100,"coverage_id":"EW-F12","topic":"EW-F12 — Full free assistance and repayment alternatives. MoneyHelper referral identified, services not exhaustively inventoried.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F12 — Full free assistance and repayment alternatives. MoneyHelper referral identified, services not exhaustively inventoried.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C025, C_EW-P01-C026","Required focused next question":"Determine independent adviser availability, direct creditor hardship negotiation, grants and structured repayment options by region."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F13 — IVA eligibility, process, forms and votes. Gateway only.","researcher_record":{"Coverage item and narrow current finding":"EW-F13 — IVA eligibility, process, forms and votes. Gateway only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C058","Required focused next question":"Read Insolvency Act/Rules and IP practice requirements, creditor voting and variations, court and cost branches."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C058"],"coordinator_review":{"row_zero_based":101,"coverage_id":"EW-F13","topic":"EW-F13 — IVA eligibility, process, forms and votes. Gateway only.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F13 — IVA eligibility, process, forms and votes. Gateway only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C058","Required focused next question":"Read Insolvency Act/Rules and IP practice requirements, creditor voting and variations, court and cost branches."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F14 — DRO eligibility, process, forms and costs. Gateway only.","researcher_record":{"Coverage item and narrow current finding":"EW-F14 — DRO eligibility, process, forms and costs. Gateway only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C059","Required focused next question":"Verify live thresholds, intermediaries, exclusions, application method, fees and discharge."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C059"],"coordinator_review":{"row_zero_based":102,"coverage_id":"EW-F14","topic":"EW-F14 — DRO eligibility, process, forms and costs. Gateway only.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F14 — DRO eligibility, process, forms and costs. Gateway only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C059","Required focused next question":"Verify live thresholds, intermediaries, exclusions, application method, fees and discharge."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F15 — Bankruptcy eligibility, procedure, costs and asset treatment. Gateway only.","researcher_record":{"Coverage item and narrow current finding":"EW-F15 — Bankruptcy eligibility, procedure, costs and asset treatment. Gateway only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C060","Required focused next question":"Map application, official receiver, trustees, income-payment arrangements, protected assets and non-dischargeable claims."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C060"],"coordinator_review":{"row_zero_based":103,"coverage_id":"EW-F15","topic":"EW-F15 — Bankruptcy eligibility, procedure, costs and asset treatment. Gateway only.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F15 — Bankruptcy eligibility, procedure, costs and asset treatment. Gateway only.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C060","Required focused next question":"Map application, official receiver, trustees, income-payment arrangements, protected assets and non-dischargeable claims."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F16 — Breathing-space full eligibility and operation. Official summary read; statute failed.","researcher_record":{"Coverage item and narrow current finding":"EW-F16 — Breathing-space full eligibility and operation. Official summary read; statute failed.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C061","Required focused next question":"Read all relevant 2020 regulations and amendments, notice/entry/excluded debts, creditor restrictions, review and ending triggers."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C061"],"coordinator_review":{"row_zero_based":104,"coverage_id":"EW-F16","topic":"EW-F16 — Breathing-space full eligibility and operation. Official summary read; statute failed.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F16 — Breathing-space full eligibility and operation. Official summary read; statute failed.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C061","Required focused next question":"Read all relevant 2020 regulations and amendments, notice/entry/excluded debts, creditor restrictions, review and ending triggers."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F17 — Debt relief and tax. Not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F17 — Debt relief and tax. Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"What UK tax consequences, if any, follow debt compromise, forgiveness, insolvency and business debts?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":[],"coordinator_review":{"row_zero_based":105,"coverage_id":"EW-F17","topic":"EW-F17 — Debt relief and tax. Not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F17 — Debt relief and tax. Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"What UK tax consequences, if any, follow debt compromise, forgiveness, insolvency and business debts?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F18 — Moving abroad (A098). Only provider regulatory nexus touched.","researcher_record":{"Coverage item and narrow current finding":"EW-F18 — Moving abroad (A098). Only provider regulatory nexus touched.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C009, C_EW-P01-C010","Required focused next question":"How do move timing, domicile/habitual residence and collection forum affect creditor/provider obligations?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C009","C_EW-P01-C010"],"coordinator_review":{"row_zero_based":106,"coverage_id":"EW-F18","topic":"EW-F18 — Moving abroad (A098). Only provider regulatory nexus touched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F18 — Moving abroad (A098). Only provider regulatory nexus touched.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C009, C_EW-P01-C010","Required focused next question":"How do move timing, domicile/habitual residence and collection forum affect creditor/provider obligations?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F19 — Foreign creditor/foreign contract (A098). No governing-law outcome reached.","researcher_record":{"Coverage item and narrow current finding":"EW-F19 — Foreign creditor/foreign contract (A098). No governing-law outcome reached.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C009, C_EW-P01-C010","Required focused next question":"Which debt terms, foreign consumer laws and creditor capacity govern negotiation or discharge?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C009","C_EW-P01-C010"],"coordinator_review":{"row_zero_based":107,"coverage_id":"EW-F19","topic":"EW-F19 — Foreign creditor/foreign contract (A098). No governing-law outcome reached.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F19 — Foreign creditor/foreign contract (A098). No governing-law outcome reached.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C009, C_EW-P01-C010","Required focused next question":"Which debt terms, foreign consumer laws and creditor capacity govern negotiation or discharge?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F20 — Currency and foreign-exchange payments (A098). Not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F20 — Currency and foreign-exchange payments (A098). Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"Who bears conversion, receipt shortfall, payment fees and exchange-rate risk under actual contract/law?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":[],"coordinator_review":{"row_zero_based":108,"coverage_id":"EW-F20","topic":"EW-F20 — Currency and foreign-exchange payments (A098). Not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F20 — Currency and foreign-exchange payments (A098). Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"Who bears conversion, receipt shortfall, payment fees and exchange-rate risk under actual contract/law?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F21 — Choice of law and jurisdiction (A098). Territorial FCA scope is not a choice-of-law answer.","researcher_record":{"Coverage item and narrow current finding":"EW-F21 — Choice of law and jurisdiction (A098). Territorial FCA scope is not a choice-of-law answer.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C009","Required focused next question":"What law/forum terms are enforceable against consumers, with mandatory protections?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C009"],"coordinator_review":{"row_zero_based":109,"coverage_id":"EW-F21","topic":"EW-F21 — Choice of law and jurisdiction (A098). Territorial FCA scope is not a choice-of-law answer.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F21 — Choice of law and jurisdiction (A098). Territorial FCA scope is not a choice-of-law answer.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C009","Required focused next question":"What law/forum terms are enforceable against consumers, with mandatory protections?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F22 — Cross-border judgments and recognition (A098). Not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F22 — Cross-border judgments and recognition (A098). Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"When can a foreign judgment be recognised/enforced in E/W, or an E/W judgment abroad, under applicable regimes?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":[],"coordinator_review":{"row_zero_based":110,"coverage_id":"EW-F22","topic":"EW-F22 — Cross-border judgments and recognition (A098). Not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F22 — Cross-border judgments and recognition (A098). Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"When can a foreign judgment be recognised/enforced in E/W, or an E/W judgment abroad, under applicable regimes?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F23 — Foreign assets, security and enforcement (A098). Not researched.","researcher_record":{"Coverage item and narrow current finding":"EW-F23 — Foreign assets, security and enforcement (A098). Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"Which situs, tracing, attachment and insolvency-recognition rules govern particular assets?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":[],"coordinator_review":{"row_zero_based":111,"coverage_id":"EW-F23","topic":"EW-F23 — Foreign assets, security and enforcement (A098). Not researched.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F23 — Foreign assets, security and enforcement (A098). Not researched.","Status":"excluded_with_reason","Exact claim IDs, if any":"—","Required focused next question":"Which situs, tracing, attachment and insolvency-recognition rules govern particular assets?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F24 — Full creditor assent/release terms. DMP non-binding gateway answered; contract-specific settlement law deferred.","researcher_record":{"Coverage item and narrow current finding":"EW-F24 — Full creditor assent/release terms. DMP non-binding gateway answered; contract-specific settlement law deferred.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C057","Required focused next question":"What writing, consideration, release language, joint-debtor/guarantor effects and security formalities establish discharge?"},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C057"],"coordinator_review":{"row_zero_based":112,"coverage_id":"EW-F24","topic":"EW-F24 — Full creditor assent/release terms. DMP non-binding gateway answered; contract-specific settlement law deferred.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F24 — Full creditor assent/release terms. DMP non-binding gateway answered; contract-specific settlement law deferred.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C057","Required focused next question":"What writing, consideration, release language, joint-debtor/guarantor effects and security formalities establish discharge?"},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"},{"topic":"EW-F25 — Full debt-agency licensing matrix beyond this provider component. Only selected actors and exceptions assessed.","researcher_record":{"Coverage item and narrow current finding":"EW-F25 — Full debt-agency licensing matrix beyond this provider component. Only selected actors and exceptions assessed.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C007, C_EW-P01-C018","Required focused next question":"Catalogue distinct debt collecting, credit servicing, insolvency, payment-services and claims-management requirements independently."},"coordinator_acceptance":"not_yet_reviewed","coordinator_claim_ids":["C_EW-P01-C007","C_EW-P01-C018"],"coordinator_review":{"row_zero_based":113,"coverage_id":"EW-F25","topic":"EW-F25 — Full debt-agency licensing matrix beyond this provider component. Only selected actors and exceptions assessed.","original_status":"excluded_with_reason","original_record":{"Coverage item and narrow current finding":"EW-F25 — Full debt-agency licensing matrix beyond this provider component. Only selected actors and exceptions assessed.","Status":"excluded_with_reason","Exact claim IDs, if any":"C_EW-P01-C007, C_EW-P01-C018","Required focused next question":"Catalogue distinct debt collecting, credit servicing, insolvency, payment-services and claims-management requirements independently."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_statutory_source_application_holds"}],"annotations":{},"corrections":[{"issue_id":"C_EW-P01-Q001","finding":"C004cites PERG2.7.8DG-EGfor debt counselling, but the actually read counselling provision is2.7.8CG;DandEare collecting and administration. The earlier narrative is correctly mapped. Separately EW-C03is answered for first-enquiry information usingC027/C028, but those claims state durable advice8.3.4and written contract8.4, rather than the distinct first-enquiry8.3.1rule. These are pointer/atomic-coverage defects, not findings that every underlying legal proposition is false.","affected_claim_ids":[],"related_claim_ids":["C_EW-P01-C004","C_EW-P01-C027","C_EW-P01-C028"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s7","https://handbook.fca.org.uk/handbook/conc8/conc8s3"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_EW-P01-Q002","finding":"The frontloading narrative,C032and answered fee rows correctly reject a hard50%cap and describe spreading administration fees, but omit8.7.3G(2): the FCAusuallyexpects the proportion allocated to fees to reduce once the initial arrangement/preparation fee is paid or, if earlier, six months from plan start. C032cites all(1)-(4), while its substantive text does not explain(2).","affected_claim_ids":[],"related_claim_ids":["C_EW-P01-C031","C_EW-P01-C032"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://handbook.fca.org.uk/handbook/conc8/conc8s7"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_EW-P01-Q003","finding":"C023and answeredEW-B13state the minimum/tier formula and cite10.2.13-.14but do not state their greater-than15%managed-debt-increase recalculation trigger or14day FCAchange-notification requirement. Formula arithmetic alone is incomplete coverage of the cited prudential obligation; no original monetary example is newly found wrong.","affected_claim_ids":[],"related_claim_ids":["C_EW-P01-C023"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://handbook.fca.org.uk/handbook/conc10"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"C_EW-P01-REVIEW-SCOPE","status":"scoped_coordinator_review_revisions_UNSENT_statutory_and_application_holds","at":null}]}