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    Reg - my anger is firstly directed where it belongs, the regulators. It is their failure to enforce their own rules that is the problem here while having an excessive focus on small IFAs who do not hold client money.

    This does not mean the banks are off the hook for what they are doing but if the regulations got things right in the first place and enforcement was up to scratch then these problems would not be occurring.

    Unlike you Reg - I apply the blame where it actually lays and where it is deserved.

    As an IFA I have no love for the banks and I am frequently clearing up behind them but even so I will defend them when needed and attack them when justified. You - well you just hate anyone you brand a 'finance johnnie' no doubt having a personal ax to grind that you keep very secret.

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