We do in fact send this "letter of compliance" out to all our clients which does mention every aspect of our service and the terms and conditions involved. If you think we didn't, don't you think the FSA would of caught on by now? As mentioned the we are authorised by the FSA and comply by all of its regulations, and in no way are we misleading clients, all the information is there and explained numerous times, and even if they did have any questions our customer service staff are available from 9am until midnight, can't say fairer than that?!

I take it you work for an insurer ;)