TSM,
I am sure the response was probably initiated by the CC and HLF FOI request but if that's what it takes well so be it.
If nobody else has any constructive ideas to PM me about to include in a mail to them I will write off and see what if anything comes back and keep you posted.
By the way, professional advisors often give advice to do something contrary to a given set of rules and that advice is usually based on the consequences of not doing it being worse than the consequences of doing it. Advisors simply advise on the likely outcomes ultimately it's the clients decision and in my years in law I have seen some complete crackjacks take their own course against advice and end up much worse off !
C'est la vie.