I agree to this statement. If they didnt know then how could they do any better. There must be more to this situation. The court must of ascertained that the collection of fees and premiums were known, but not refunded. Later in time, AMP did self report this to ASIC, however, they must have knowingly at the time collected fees without refunds. More so, what if this situation had been ongoing for decades prior to the period that AMP self reported on. Once the spotlight of the RC happened and ASIC was sitting in head offices of Financial Service providers they thought better to come clean.
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