Case No. CO-2850-2005

97.The defendant’s decision-making process was not entirely satisfactory because the first decision letter hardly grappled with the issues. The second decision letter introduced (1) the proxy or agency issue and (2) the FCO “substantial health warning” without the first claimant being given an opportunity to make any representations. That said, no prejudice has resulted therefrom because the defendant reviewed the decision after the issue of proceedings. 98.I shall hear counsel, if necessary, on the form of relief to be granted.