The independent action group for current and ex Equitable Life policyholders, funded by contributions.

Equitable Members Action Group

Equitable Members Action Group Limited, a company limited by guarantee, number 5471535 registered in the UK

Correspondence: 16/02/2006 - Tom Lake to Iain Ogilvie
Iain Ogilvie
Office of the Parliamentary and
Health Service Ombudsman

By email and post
Equitable Members Action Group Ltd
42 Bartholemew Villas,
Kentish Town,

16 February 2006

Dear Mr. Ogilvie,

Thank you for your letter of 9th February, to which I respond. We expect to take up other matters arising from our meeting of 1st February separately.

I would like to make clear that whilst we want the report finished as quickly as possible and will point out potential damage caused by slippage we do not want to hamper or damage your investigation.

You now report that issues have arisen that were not specifically mentioned in the heads of complaints on which you consulted at the start of the investigation. The Board of EMAG supports your consideration of such further issues as part of your investigation, and confirms that such issues would be within your published terms of reference, as they should be within the spirit of the general complaint that the regulators failed for considerably longer than a decade to exercise their functions properly.

It is natural that in an investigation of such scope as yours not every detail can be anticipated by the complainants. We understood the heads of complaints as setting out the minimum set of issues requisite for comprehensive investigation, given the evidence available at the time. Your intention to investigate further issues, as yet unknown to us, in connection with the regulatory returns and their scrutiny, within the terms of reference of the investigation, is in accordance with that understanding.

Yours sincerely

Tom Lake
Equitable Members Action Group Limited (EMAG)