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In 2012 the FSA sent this report to the Board of LLOYDS BANKING GROUP

       They claim a copy was  given to Antonio Horta Osorio

                 IN 2013 the FSA became the FCA.

                                                                        

             VICTOR-the FCA deny knowledge of the report.

             VICTOR -LLOYDS BANK deny they ever saw the report.

                           WHAT DO YOU THINK VICTOR?