Matters like this are decided in the civil court on the balance of probabilities whereas in a criminal court it is beyond all reasonable doubt. Therefore, the judge only has to believe your version of events 1% more than the other person’s version of events and you would win. In that respect, the poor witness evidence you have the better.
The only problem with you and your wife is that you both have interest in this, her evidence adds very little to your evidence although it only needs to add a tiny tiny amount to your evidence to swing the balance.
If he is an appointed representative of a Principal company then complain to the principal. If that goes nowhere all he is directly authorised by the Financial Conduct Authority then you can make a complaint to the Financial Ombudsman Service.
If he has tried to take money from your account but failed all only had authority to take five payments but took 12, that is a criminal offence because it’s theft or fraud or at least attempted fraud. That is a police matter.
The Financial Ombudsman Service and Financial Conduct Authority are extremely hot on terms of business and fees and if he has not told you what his fees are, he is not entitled to charge.
Of course, is one of as well as complaining to the police of the criminal issues and complaining to any principality and the Financial Ombudsman Service you can also issue proceedings in court for breach of contract and for the return of any monies which he has taken which he was not authorised to do.
Can I clarify anything for you?
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