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Which part of this have I failed to understand?
I would be grateful if you could let us know whether you accept the offer from Creation in full and final settlement of your complaint by 31 March 2023.
The FOS has stated that it’s an offer ‘in principle’ according to those who have asked, so cannot be in full and final settlement. There is, as yet, no agreement and no offer capable of acceptance, and equally the FOS states that in the absence of any communication they will take that as an acceptance and they cannot possibly opt people into a full and final settlement without their consent.
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