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I fully understand what you are saying. The legal interpretation and potential outcome I expect on a number of fronts would be different and not favourable for both the borrower, the broker and the licensee Hence why I suggest you don't stir too much here Ta Rolf

If the broker is an employee your first call needs to be their employer who are probably going to be quite concerned. Ta Rolf

Your financial arrangements with the broker are your and their business. I believe you have expressed that the the chance of you being able to move is limited because there are some inconsistencies between the paperwork and the real scenario. If another broker isn't willing to do the...

U can do a ip to io conversion quite simply with cba with a rick and flick. Given your scenario, I'd keep my head down and work through it, Sounds like some of the outcomes aren't just on the brokers side ? Ta Rolf