FCA LETTERS TO BOTH THE DEBT AGENT AND THE FCA

Hi folks, lets see if this helps you out...

Contained within this PDF are the two documents you can use to force the hand of the debt agent. I
would suggest you send the debt agent one last chance to save their asses by removing your data
and closing the account using the notice contained below.

If you have difficulty editing either the notice or the letter copy it into a word document and do it
there.

In most cases if you have already sent your three notices to the debt agent and never got a fully
transparent reply you have a good case. However always stay in honour and allow the scumbags to
comply to your demands of closing the account prior to sending the letter to the FCA.

At this stage they (scumbags) risk losing much more than the sum they are after you for and many
of them will back off at this final stage. Those who are stupid enough to send back BS, well you
now have all you need to deal with them.

As for how long you give them, that is up to you to edit accordingly. I have included the max of 21
days but given the previous notices you sent them a minimum of 7 days will still work as would 14,
the choice is yours.

For these scumbags to risk losing their business or being fined, you know as well as I they work on
a cost benefit analysis and this approach is a risky gamble for them and one that places you at a
huge advantage. You have nothing to lose but they have everything….ah, the sweet smell of kicking
ass!

As previously stated (on my video) this is for those of you who want immediate action, but the
contents of this PDF will form part of my next publication which will also cover the relevant CRP
rules on debt and how to combat CCJ’s brought against you by these scumbags.

In addition to that, the book will also contain a chapter on how to remove your details from credit
reference agencies if the evidence has not been given to the like of exquifax et al.

I will also cover things like strikeouts, default judgments, summery judgements and injunctions
against these scumbags. So either way, if they have not produced the evidence for these debts to the
satisfaction of the courts and are enforceable (most are not) so rather than fight this in court, I will
explain how to simply get a court order to stop any further communication.

I would not suggest you try and take them to court over their claims because for the most part they
are not asking you directly for money because firstly they can’t and secondly, as stated it is not
enforceable.

However if you ignore the letters as some have suggested you may well end up with a default
judgement and a CCJ, so don’t ignore them!

Remember to enjoy the journey and have fun handing them their asses;)

Stay curious…
As a bonus to you, in this section I have been ask many times to send out the transcript of the
information I shard on YouTube which in this case brought you to this page.

So below is the salient parts of my upload script for you to read through at your leisure. Personally I
would pay attention the last two page and consider again the positive implications of what you are
about to do, at no risk, courts and no cost to you.

Here is the transcript:

Lets dive right in and don’t forget to grab a copy of my latest book The divine trust, if your sick of
paying tax to those money grabbing 3rd parties.

Before I go any further I must point out that nothing in this upload should be taken as legal advice
since I am not a professional and you should seek professional advice if you need to. This like all
my uploads is a layman's opinion.

So let us start with the pre action protocols and your demands for evidence of claim but not for the
courts...

As many of you already know the basic three notice protocol is to establish that you have done
everything in your power to settle the matter before court is required. This is explained in detail in
my e-book DTDB so I am not going to cover old ground. It is important if not already done so to
grab a copy of DTDB since this will act as the basis of what you will be using as evidence in today's
solution. The link as always is in the description below.

It is imperative to know you need to read your debt demands with a forensic eye and when you do
you will notice they do not make claims directly on their own behalf but side-step it and stay on the
right side of the law by acting as an agent, while ignoring your demands for evidence and outright
silence on the one question they do not like.

“Is this debt enforceable?

In many cases acting as an agent for the original lender is a misrepresentation to say the least since
most of them have already purchased the debt from the original lender and are hoping to grab back
the scraps the original lender has written off and got paid through their own credit insurance
policies. Effectively your account with the original lender is closed. If you wish to test this just call
them and ask if the account is active, or better still get written confirmation that is the case. If you
do that you can add that reply to the bundle of notices and replies the debt agent has sent you for
later use. Its always a good thing to gather as much evidence as you can which will support your
side of the situation.

Let us assume those pre-court notice have been sent, some may have succeeded in halting the claim
and others may still be getting bugged by the persistence of the so-called agent for the original
lender, when in many cases the original lender has sold the debt and has no further interest in it and
the account has been closed as I have just stated...but do check that for yourself.

One of the biggest bugs of completing the pre action notices is the fact the debt collectors simply
ignore them and continue to send junk mail to you with impunity, its as if they have not a care in the
world and will continue to hound you sporadically for as long as they wish...those days are
numbered as you will see.

In my layman’s opinion the next step would be to bundle all the notices and the confirmation from
the original lender if you can get it that the account from them is closed and they have no further
legal or equitable title to the alleged debt. This is not imperative you have this but it helps your
position. Add to that the obfuscating, side-stepping replies the debt agent has sent back to you. And
as many of you know they never respond directly to your demands for evidence and in many cases
turn your simple question for evidence into a dispute or internal investigation rather than simply
reply transparently as requested.

So lets deal with this…

So let’s assume you have completed the three notices and basically got no where with them as they
continue to ignore you and send all sorts of Bull-crap through your door to keep the pressure and
annoyance up.

At this stage you have done what you need to do since you now have what you need to open a case
with the FCA, the financial conduct Authority. This route is free so no need to get the courts
involved and therefore no costs involved to you.

The process for getting the FCA involved and remember, this is not about the direct claim of debt to
them, since they are careful not to make that claim, it is about transparency, process and misleading
the customer. If you ask weather the debt is enforceable or not they have to be transparent and give
you a reply. To do otherwise is to fall foul of the FCA rules and sanctions which can now be can be
imposed.

The steps are as follows:

 Gather evidence: Collect any relevant documents, evidence, and correspondence that
supports your claim that the Plaintiff is acting in breach of the FCA rules or the rules of the
legal regulator. This is where those notices you have sent comes in and of course the replies
to your conditional acceptance which magically turned in a dispute or internal investigation
for no other reason than to fob you off and avoid telling you the transparent truth.
 Contact the FCA or the legal regulator: You can find the contact information for the FCA on
their website (www.fca.org.uk) I will leave a link in the description below. You can also find
the contact information for the legal regulator on the website of the Ministry of Justice or the
Department of Justice, depending on the jurisdiction. However I have done the work for you
and we like to put everything in writing so hold fast on that and I’ll explain later.
 Submit your complaint: Submit your complaint in writing, including all the evidence and
documentation that you have collected. Provide a detailed explanation of the circumstances
and how the Plaintiff is acting in breach of the FCA rules or the rules of the legal regulator.
Again that has been done for you.
 Await response: The FCA or the legal regulator will review your complaint and may request
additional information or documentation. They may also conduct an investigation to further
determine if the Plaintiff is in breach of the rules. If a complaint is with the Financial
Conduct Authority (FCA), the debt collector may be required to halt certain actions, such as
contacting the debtor, until the dispute is resolved. However, the specifics of the situation
will determine the exact actions that the debt collector is required to take.
 Resolution: The FCA or the legal regulator will determine if the Plaintiff is in breach of the
rules and may take appropriate action. This may include imposing fines, penalties, or
 sanctions on the Plaintiff. If the Plaintiff is found to have acted in breach of the rules, they
may be required to stop pursuing the unfounded claim.
Now let me get to the real meat of the matter when dealing with debt claims without evidence and
remember not all claims are unfounded, but as many of you already know, many of them are since
the way the current system is set up it seems to ignore what is legally required by the one who is
making the claim. In many cases they feel there is no such thing as “Burden of proof.”

I am going to give you not 1 but 2 routes you can take without going to court and paying for the
justice you deserve. In later episodes I will be covering how you get a court order to stop the debt
agents from harassing you without evidence of your claim.

It is important you fully comprehend the situation since you will not be taking the debt collector to
court for making the claim but for the lack of transparency and misleading statements in their
replies. For now we are going to take the NO COURT, NO COST.

We now turn to method number 1: Specific sections of the Financial Conduct Authority (FCA) rules
that are relevant to demanding evidence from a debt collector who then refuses to give the evidence
or refuses to be transparent about an unenforceable debt are:

• Section 138D of the Financial Services and Markets Act 2000 (FSMA) which requires a debt
collector to provide the evidence of the debt, including the original agreement, balance and interest,
and the name of the original creditor.

• CONC 7.22.5 of the FCA handbook which states that a debt collector must not give a false or
misleading impression about the nature or enforceability of the debt, and must provide a clear and
accurate statement of the rights of the debtor. I am aware that debt collectors send out with
statements and letters the FCA’s own paper on this but that does not detract from the amount of
misleading or obfuscating information in their own replies, effectively ignoring what you have
requested.

• CONC 7.22.6 of the FCA handbook which states that a debt collector must not use aggressive
or oppressive practices to collect the debt, and must not put undue pressure on the debtor to pay.
Now while the debt collector is careful not to overstep this mark, the protected relentlessness of
junk mail they send over time in my opinion constitutes oppressive practises.

• CONC 7.22.8 of the FCA handbook which states that a debt collector must not make or threaten
to make false or misleading statements or representations to the debtor or third parties about the
debtor's creditworthiness or the consequences of non-payment.
In other words inform credit agencies or any other 3rd party of what many now know is an
unenforceable debt. I get the impression that if they feel they are getting no where with claims
without evidence they may try and damage you in these ways just to teach you a lesson.

If a debt collector does not comply with these rules and refuses to provide evidence of the debt, the
debtor can make a complaint to the FCA. If the complaint is upheld, the debt collector may face
penalties and sanctions, including fines, enforcement action, or being removed from the register of
approved debt collectors, although I would not hold my breath on that one.
And if you wish to put the fear of god into them remind them of the following, if they fail in their
duty to act in the best interests of the consumer The fines can be substantial and can run into
millions of pounds, depending on the severity of the violation. The fines are intended to serve as a
deterrent and to ensure that firms comply with the regulations. Now that should outweigh the debt
they are chasing with you.
I will be placing all this information into my next full publication as I have said which will cover
everything I am including in my episodes.
However, if you have a pressing situation and would like to get the ball rolling immediately, well I
have you covered because if you pop over to my website I have already crafted the complaint letter
stating all the appropriate sections just mentioned and the final notice to the debt agent informing
them of what you will be doing about their lack of transparency with the FCA.
This letter alone may well see a few more of these types of claims fall by the wayside and get your
data removed and account closed since they are now at serious risk of being sanctioned or even
removed from the debt agent register for failing to comply with industry rules. But you must have
sent the notices listed in DTDB first otherwise you have no real evidence to support your case.
Now we move onto the second method which is very similar to the first.
The Financial Ombudsman Service (FOS) I have used this organisation a few years ago with
positive results.
The protocols are very much the same as the FCA and the letter I have crafted will work for both
methods, you just have to change the address and remove the FCA rules quoted in the original and
simply state your case as you did with the FCA.

The basic difference between the FCA and FOC, which I stress you will use one or the other not
both at the same time. Is this…

The Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) are both
regulatory bodies in the UK that oversee financial firms, however, they have different roles and
responsibilities.
The FCA is the primary regulator of financial firms in the UK. It sets the rules and regulations that
firms must follow and it is responsible for enforcing these rules. The FCA has wide-ranging powers,
including the power to fine firms that breach regulations or engage in misconduct. It also has the
power to revoke licenses and take other enforcement actions against firms that fail to comply with
the rules. The FCA is responsible for the protection and enhancement of the integrity of the UK
financial system and its aim is to ensure that the financial markets operate with integrity and in the
interests of consumers. I can see they are doing a great job of that...
On the other hand, the FOS is an independent body that deals with complaints from consumers
about financial firms, including debt collectors. It acts as a "last resort" for customers who have
been unable to resolve disputes with their financial service providers.
If a customer has a complaint about a debt collector and the complaint is not resolved to their
satisfaction, the customer can take their complaint to the FOS. The FOS will investigate the
complaint and make a decision on the matter. The FOS's role is to mediate disputes and make
binding decisions on complaints that are referred to it, its aim is to ensure that consumers are treated
fairly and that they receive appropriate compensation if they have been wronged.
The simple explanation is this..., the FCA is responsible for enforcing rules and regulations and
ensuring that firms operate in the interests of consumers, while the FOS is responsible for resolving
disputes and providing a last resort for consumers who have complaints about financial firms.
You could look at the FOS as the final step in a dispute before FCA or court action. But given we
have given them a notice of conditional acceptance in the first instance the only thing in dispute at
this time is the failure in transparency which comes under the rules of the FCA and who can use
more serious sanctions if they are found guilty as changed.
Personally I would go straight for the FCA as it is the primary arbitrator and can impose substantial
sanctions if debt agents do not comply.
If you have asked them for evidence or is this enforceable and got anything other than what you
asked for, just keep asking through the pre action protocol process since all you are doing is
allowing them to dig a deeper hole and helping you strengthen you case against them with the FCA.

So there you have it, from the three letter process we now have a four notice process without the
cost and complexity of a court. Pre-action protocols plus the additional notice I have already
crafted, giving you all the evidence you need to go to the FCA.

So pop over to giaiuni.com and grab yourself a copy of the complain letter citing all the relevant
rules you can send to the FCA and the final notice to the debt agent informing them of your
intended complaint giving them time to respond and maybe dig that hole a little deeper for
themselves. If past behaviour is anything to go by. I suspect many of them will, at this stage do as
requested and close the account. Logic would dictate that if they have not been fully transparent and
they know it, you account will more likely be closed and you can sleep soundly at night.
Pop over to my site and pick up your small FCA pack which includes more information and the
notice and pre-populated documents you will use to both the debt agent and a different letter of your
complaint to the FCA should they refuse to adhere to your final FCA warning notice. Please remove
all the highlighted extra tips and fields and place your own details or that of the debt agent in. Read
the documents careful and edit what you wish, while keeping the main contents in tacked.

Remember folks we only have to get one of us to win this type of complaint and the rest will follow
since the FCA must be consistent and if we communicate that result to each other other we can cite
that result to the FCA and shut down these nefarious practise of unscrupulous debt collects.

Let me finish by saying I know I have told everyone over the years NOT to use templates and these
documents are clearly templates. But here’s the devil in this detail.
When I created these documents knowing full well my own stance on templates I did it for the
following reason and btw this is why debt agents or any other parasite mentions the use of templates
to discourage people from using them as if they hold not legal standing. Which as we all know
irrespective of a template being used as debt agents do all the time themselves. Is the fact that when
a template works, it risks a flood of claims against them since that template has now set a
precedence and can be used by anyone.

Now as far as these templates concerning the FCA we, as a collective have only got to win a single
case against a debt agent with the complaint letter to the FCA in order for everyone to use it and
remind the FCA of consistency, thus pushing the debt agents into a frenzy.
The other aspects that made me smile when creating these templates was the fact that when you
send the final FCA notice to the debt agent and they write back spouting you used a template and so
it has no standing. They just gave you yet another supporting example of why your complaint
should be held up by the FCA!
So now you add that to the pile of evidence and send it with the letter of complaint!
And all this with No courts and so no cost and I’m not just talking about money. The cost to many
of us is far more than just money; it is a heavy burden of stress, anxiety, and sleepless nights. And
for some, the strain has even caused arguments, separations the extreme would be suicides with
debts as a reason. I, too, have had to bear the weight of these parasites, even taking my own fight to
the highest court of the land. But let me assure you of one thing:
It only takes a single win for you to feel like a million dollars, one win can turn the mental tide and
can have great positive effects on your whole demeanour and life.

This is never just about money, its about the power and mental standing you can manifest when you
win a single battle. If my template works for you, let me know and I will create a new episode to
update everyone and we can all cite the outcome details to the FCA and the debt agents and shut
them down. That's why I encourage the use of these particular templates
As you embark on your journey through life, remember that you hold the power to overcome any
obstacle that may come your way. The tools at your disposal are a powerful force for good, and can
be used to combat the greed of debt collectors without resorting to confrontation.
I believe in taking the path of least resistance, and avoiding placing undue stress on others. And in
this process, you will find a sense of calm and peace, knowing that you are in control of the
situation.
See your pre-action protocol process as an opportunity to gather evidence and take a stand against
those who would wrong you. And as you craft your final notice to the debt agent. Use your
imagination and think outside the box. Check out the rules that they may be breaking, and ask
questions that will lead even more violations, increasing your chances of a victory.

SET THEM UP!

Trust in your ability to outsmart and outmanoeuvre your adversaries. Give them enough rope, and
they will ultimately hang themselves. You are in control of your own destiny, and nothing can stand
in the way of your success.

FCA: https://www.fca.org.uk/consumers/how-complain
FOS: https://www.financial-ombudsman.org.uk/consumers/how-to-complain

The link to Defusing the Debt Bomb is here: https://gaiauni.com/product/defusing-the-debt-bomb/

And if you have not grabbed a copy of my latest ebook containg a stratagey and links to setting up
your own unincorprated private trust which has no oblication to file then click this link:
TAX EXEMPT PRIVATE TRUST
The links contained within the last three chapters of the Divine Trust will allow you to chat directly
with my own trust expert and explain any and all questions you may have before you part with a
penny. Unlike other trusts this really will save you tax,both personal or corporate depending on how
you set it up and, if required open a bank account for your tust.
OK, The rest of this publication is your notice to the debt agent and your letter to the FCA.

Edit these documents as you wish but please keep the main contents as is. Remember we want this
“Template” to work only once. Then I will be happy to tell the world of the outcome and we can all
benefit.
 [YOUR ADDRESS DETAILS]
[Parasites address details]

[DATE]

Your Ref: (Client) [xxxxxxx] Agents Ref number: [XXXXX]

Notice of intended complaint to the FCA

Notice to agent is notice to principal, notice to principal is notice to agent

Re: [Outstanding alleged debt details]

Dear [Scumbag]

I am writing to formally bring to your attention a matter of non-compliance with the Financial
Conduct Authority (FCA) rules on the part of your company as a debt collector. Specifically, your
company has failed to provide evidence of a debt claim upon the many requests over the last [X-
MONTHS] request, as outlined in CPR r. 7.5, and has refused to be transparent about the status of
the alleged debt, in violation of FCA rules regarding fair treatment of customers.

I have exhausted all other avenues of recourse, including sending several notices to your company.
I am now going to be seeking assistance from the FCA (Financial Conduct Authority) and requesting
for the removal of my data from your records and the account closed.

Pursuant to the Financial Conduct Authority's (FCA) rules regarding transparency and non-
compliance, I am writing to provide your company with one final opportunity to remove my
personal data and close the account in question. I demand a formal written response, confirming
the removal of my data and the closure of the account, to be received within [21] days of the
receipt of this letter. In the event that your company fails to comply with this request, I shall have
no choice but to lodge a formal complaint with the FCA.

I must remind you of the gravity of your actions in failing to provide clear and transparent
information in response to my requests for evidence of the alleged debt, as well as giving the
impression that your organization is acting as an agent for the original lender despite the fact that
the original lender is no longer actively involved in the claim. Such behavior is in violation of the
rules set forth by the Financial Conduct Authority (FCA) regarding transparency and non-
compliance, and I must insist that you take immediate action to rectify this issue.

I have previously requested a straightforward response to the question of "Is this debt
enforceable?" and your failure to provide a clear and concise answer, instead opting for an
"internal investigation," or claiming a dispute is ongoing is indicative of your lack of transparency
and non-compliance with FCA rules.

Furthermore, your refusal to supply the legally required documentation, in the event that the debt
is indeed enforceable, is a violation of the FCA rules and regulations. I expect a formal and
substantive response to my request for account closure and removal of my data within [21] days of
the receipt of this letter. Failure to comply with this request will result in the lodging of a formal
complaint with the Financial Conduct Authority.
If not enforceable you have again side-stepped the answer by instigating an investigation or
dispute that is frankly irrelevant to a simple question and only serves to ignore my requests and
prolong this unenforceable claim. Both of these situations are in violation of the FCA rules you
must comply with I have listed below since you seem to have forgotten what they are.

Section 138D of the Financial Services and Markets Act 2000 (FSMA) which requires a debt
collector to provide the evidence of the debt, including the original agreement, balance and
interest, and the name of the original creditor and notice of assignment complying with the laws of
property Act.

CONC 7.22.5 of the FCA handbook which states that a debt collector must not give a false or
misleading impression about the nature or enforceability of the debt, and must provide a clear and
accurate statement of the rights of the debtor.

CONC 7.22.6 of the FCA handbook which states that a debt collector must not use aggressive or
oppressive practices to collect the debt, and must not put undue pressure on the debtor to pay.

CONC 7.22.8 of the FCA handbook which states that a debt collector must not make or threaten to
make false or misleading statements or representations to the debtor or third parties about the
debtor's creditworthiness or the consequences of non-payment.

You must also be aware that your lack of transparency can result in your company receiving
sanctions as stated below taken directly from the FCA website:

If a debt collector does not comply with these rules and refuses to provide evidence of the debt, the
debtor can make a complaint to the FCA or the Financial Ombudsman Service (FOS). If the
complaint is upheld, the debt collector may face penalties and sanctions, including fines,
enforcement action, or being removed from the register of approved debt collectors.

You have been given many opportunities to provide the correct documentation and you have not.
You have been asked if this alleged debt is enforceable and you have not replied in substance.

I now have enough pre-action protocol notices and your attempts to avoid a transparent reply
which allows me to pursue a complaint based on your lack of transparency and misleading
communications.

No further correspondence will be entered into on this matter and the FCA will be requested to
investigate your behavior.

You now have [21] days to remove my data and close the account.

I would appreciate your prompt attention to this matter and ask that you take any steps necessary
to ensure compliance with the FCA rules. I look forward to hearing from you and thank you for
your time.

Sincerely,

[Your name]
Financial Conduct Authority,
12 Endeavour Square,
London, E20 1JN

[your contact address

details
inc email/tel]

[date] [You can use your own ref here if required]

Letter of Complaint

Dear Sir/Madam,

I am writing to make a complaint against [Name/address of debt collector], for their failure to
provide evidence of a debt claim as well as their lack of transparency about an unenforceable debt.

I have made several requests over [X-MONTHS] for evidence, however, [Name of Debt Collector],
has refused to supply the requested information. I believe that this is a violation of FCA rules and
regulations and I would like to bring this to your attention.

According to the FCA rules, debt collectors are required to provide clear and accurate information
to consumers, including details of the debt, the evidence of the debt, and the right to request
additional information. Furthermore, debt collectors are prohibited from making false or
misleading statements.

I am also concerned about the unenforceable debt which the debt collector has failed to be
transparent about. The FCA rules state that a debt is unenforceable if it is time-barred under the
Limitation Act 1980 or if the debt has been settled, or if the creditor cannot evidence that they are
entitled to collect the debt.

I have sent several notices which I enclose as evidence of my efforts to settle this matter and also
the accompanying responses which as you can see have not been replied to in substance and in
many cases have been deemed a “dispute” in order to avoid transparency.

In particular, [Name of Debt Collector] has failed to provide evidence of the debt claim as
requested by me during the pre-action protocols, in violation of FCA Rule 3.1.4 which states that a
debt collector must provide evidence of the debt when requested by the consumer. Furthermore,
[Name of Debt Collector] has refused to be transparent about the nature of the debt, which is a
violation of FCA Rule 3.1.3 which states that a debt collector must provide a consumer with
information about the debt, including the amount, the creditor, and the nature of the debt.

As a result of [Name of Debt Collector]'s non-compliance with these rules, I have been subjected
to undue stress and harassment, and have been forced to seek legal action to resolve the matter. I
urge the FCA to take appropriate action against [Name of Debt Collector], including the imposition
of fines, in order to ensure compliance with the rules and to protect the rights of consumers.
I have kept records of all correspondence with [Name of Debt Collector], and I have included
copies of these documents for your reference along with the obfuscating replies to my requests for
transparency and evidence of enforceable claim, none of which over a period of [X MONTHS]. I
would like to request the FCA investigates this matter and takes appropriate action against the
debt collector for their violation of FCA rules and regulations.

I need not remind you of the provisions set out in the FCA’s rules but I list them for your
convenience here:

 Section 138D of the Financial Services and Markets Act 2000 (FSMA) which requires a debt
collector to provide the evidence of the debt, including the original agreement, balance
and interest, and the name of the original creditor.
 CONC 7.22.5 of the FCA handbook which states that a debt collector must not give a false
or misleading impression about the nature or enforceability of the debt, and must provide
a clear and accurate statement of the rights of the debtor.
 CONC 7.22.6 of the FCA handbook which states that a debt collector must not use
aggressive or oppressive practices to collect the debt, and must not put undue pressure on
the debtor to pay.
 CONC 7.22.8 of the FCA handbook which states that a debt collector must not make or
threaten to make false or misleading statements or representations to the debtor or third
parties about the debtor's creditworthiness or the consequences of non-payment.

I have also enclosed a copy of the final attempt at gaining a reply in substance from [debt agents
name here] (Now add the notice above you sent to the debt agent along with all other
correspondence and replies)

I look forward to hearing from you soon.

Sincerely,

[Your Name]

REMOVE THIS SECTION:

I suggest you number your pre action notices from 1 to 3 or how ever many times you have written
to them.

Next add the replies and link them by adding an alphabetical letter which corresponds to the
numbered notice you originally sent.

Example:

You send notice 1 they send you 1(a) back and so on.

This will help the FCA quickly see both parties communication in support of your complaint.