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Probably not but the question was asked and answers/thoughts supplied. Guess the mods can move thread if needed.

I don't like your chances it getting anywhere with the clawback sorry to say. Touch wood I've only ever had 3 of 'em. 1 client with far too much money who decided to payoff in 11 months (only 50% clawback in those days) and 2 divorces within 12 months. Again only 50% on both. These days plenty...