Yes, I learned everything I know from Colwyn, who is always right.
Grant, "H" has explained it, no one is confused, we all know about Colin, he is a crook and you knew too, as you stopped using him, because you say you read he was dishonest. He is also breaking the law, which should another good reason for not using him.
I am sure the posts here on CB about Colin go back years and years and there are regular warnings every year. and as you have been a member for 9 years I am sure you are well aware the way Colin operaties.
I am very sorry if you have been confused, Maths is not my strong point, so I made a mistake, but the real point of these posts is that we keep on letting members know not to use Colin.