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No, Dave1, they were not warned any more than anyone else was, the Audit Commission or indeed IFAs, who did their due diligance just a few weeks before they went bust and found an A rating. In the January after it all happened I was talking to a highly experienced IFA at a rather select Conference in London who, about 12 days before they crashed was given a A rating clearance to invest £100k of a client's cash. Luckily for for him his client's money did not come through until a couple of days after the crash.
In my industry there is always someone, after an event, who comes out of the woodwork to claim some foresight and 99.9% of the time it is complete bull****.
Indeed, Dave1, seeing none of my clients lost any money in those banks I could make some sanctimonious and utterly incorrect claim that I read this sign or that sign and, as a result, made sure my clients did not have more than £30k in those banks. It would be bull**** of course as I knew no more than anyone else.