Halifax told me the same. I think they were thinking we might not field a team hence a stronger argument? It’s likely we are going to but with a significantly depleted squad.
they also said they would try to get the money back from SWFC first. But as I understand it, under s75, they are jointly responsible so if they can’t, it could be the bank stumping up the refund. never issued a s.75 claim so don’t know how it works in practice (I.e. surely if they can’t get from the provider do they just say, no grounds because the alternative is they have to refund?)