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- Heading
- INTRODUCTION
- The appellants, the respondents and the Schemes in more detail
- THE DETERMINATION AND THE GROUNDS OF APPEAL AGAINST IT
- The Grounds of Appeal
- GROUND 1
- Ground 1 considered
- Ms Y – the Ombudsman’s conclusions and reasoning
- Ms Y – the appellants’ challenge considered
- Mr S – the Ombudsman’s conclusions and reasoning
- Mr S – the appellants’ challenge considered
- GROUND 2
- GROUND 3
- Conclusions