"1) A regular client of Opus who has not breached any terms of conditions cannot be asked to pay for the sins of company directors/a few clients."
Unfortunately based on the FSG on Opes website this is not the case. According to their FSG if you entered into a share lending agreement (and it seems that's what their "margin loans" really were) then Opes took ownership of the shares and you effectively become an unsecured creditor in the event of insolvency of Opes.
