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(Click for frequent words.) 77 unauthorized overdrafts 76 unauthorized overdraft fees 66 unauthorized overdraft 62 PPI mis 61 Service FOS 59 Fair Trading OFT 58 Isa savers 58 OFT 58 unarranged overdraft 57 Unfair Terms 57 overdraft fees 57 Equitable policyholders 56 unarranged overdraft charges 56 FSCS 56 unarranged overdrafts 56 Equitable Life policyholders 55 mis selling 55 misselling 54 ISA savers 54 cash Isas 53 FSCS levy 53 HMRC 53 Fair Trading 53 overdraft 53 Farepak collapse 53 debit card overdraft fees 52 Carlos Tevez affair 52 FlexAccount 52 Compensation Scheme FSCS 51 overdrafts 51 Employment Tribunals 51 Appeal Tribunal CAT 51 endowment mis 51 Overdraft fees 51 stakeholder pensions 50 Oftel 50 life assurers 50 telecoms watchdog Ofcom 50 IFSRA 50 ATM surcharges 50 Consumer Contracts Regulations 50 Northern Rock 50 regulator Ofwat 49 pleural plaques sufferers 49 tracker mortgages 49 FSA 49 lender SVR 49 Lloyds TSB 49 monthly outgoings 49 missold 49 Energy regulator Ofgem 49 FSCS levies 49 proc fees 49 FOS 49 0pc 49 Kaupthing Edge 49 IFAs 48 Cadder ruling 48 Telecoms regulator Ofcom 48 undischarged bankrupts 48 BT TalkTalk 48 homeloans 48 Hbos 48 broadcasting regulator Ofcom 48 Ms Battell 48 NatWest 48 RBS NatWest 48 Weathertight Homes Tribunal 48 Vanquis 48 Opes creditors 48 Postcomm 48 CCCF Act 48 SVRs 48 regulator Ofgem 48 Remortgages 48 Equitable Life 48 Energywatch 48 Spokesman Tom Dresslar 48 Water regulator Ofwat 47 Law Lords 47 Compensation Scheme 47 Parliamentary Ombudsman 47 communications regulator Ofcom 47 Opes clients 47 jobseeker allowance JSA 47 Solicitors Disciplinary Tribunal 47 PPF levy 47 monthly repayments 47 IVAs 47 Justice Foskett 47 Financial Regulator 47 Treating Customers Fairly 47 Nationwide FlexAccount 47 HBOS 47 direct debits 47 Job Seekers Allowance 47 Farepak fiasco 47 Judge Birss 47 defrozen 47 British Bankers Association 47 remortgages 47 MoneyExpert.com 47 Ofgem 47 overdraft fee 47 Ofcom 47 Ofwat 46 FINANCIAL SERVICES AUTHORITY 46 unvouchered expense 46 Media regulator Ofcom 46 monthly installments EMIs 46 Life assurers 46 Regulator Ofgem 46 MPIG 46 GARs 46 Banking ICB 46 debit card interchange 46 assurers 46 HM Revenue & 46 Icstis 46 sleaze watchdog 46 Commons sleaze watchdog 46 Pension Funds Adjudicator 46 telecoms regulator Ofcom 46 debit card overdraft 46 illegal filesharing 46 Standard Variable Rate 46 Business FPB 46 Lands Tribunal 46 Moneynet.co.uk 46 ISAs 46 Regulator Ofcom 46 Citizens Advice 46 Solicitors Regulation Authority 46 Feddis 46 Finma 46 Authority FSA 46 Lloyds 46 OLINT 46 Kevin Mountford 46 LTV mortgages 46 mortgage repayments 46 regulator Postcomm 46 Incapacity benefit 46 occupational pensions 46 proc fee 46 annuitisation 46 HM Revenue 46 Lloyds HBOS 46 Overdraft 46 Ms Kroes 46 energy regulator Ofgem 46 OBSI 46 HBOS HBOS.L 45 IceSave 45 taxman 45 HLCs 45 compulsory annuitisation 45 PLRs 45 Mr Munchenberg 45 sub PLR 45 £ #.#billion [005] 45 Incapacity Benefit claimants 45 overlimit fees 45 Auctionworld 45 OnePulse card 45 enforceable undertakings 45 Mzansi accounts 45 Incapacity Benefits 45 remortgage 45 rateable values 45 nondoms 45 HSMP holders 45 OFCOM 45 Direct debits 45 Peter Vicary Smith 45 InsightOne 45 rogue dialers 45 Fixed Rate Saver 45 Consumerinfo 45 sicknote culture 45 SAYE schemes 45 telecoms regulator Oftel 45 tenancy deposit 45 media regulator Ofcom 45 overdraft protection 45 Employment Tribunal 45 watchdog Ofgem 45 Pensions Regulator 45 Stamp duty 45 MVRs 45 repayments 45 prosecutorial impropriety 45 eBanking account 45 jobseeker allowance 45 homemovers 45 Equitable Life debacle 45 Disability Living 45 Clubcard loyalty 45 Stakeholder pensions 45 Stamp Duty threshold 45 outstation checks 45 remortgagers 45 CCJs 45 Briault 45 #pc mortgages 45 habitual defaulters 45 regulator Ofcom 45 TalkTalk 44 SFLG 44 Mzansi account 44 Allyoubet Join us 44 Justice Lewison 44 chancellor Alistair Darling 44 Barclaycard 44 RBS Natwest 44 bogus workman 44 mortgage lenders 44 media watchdog Ofcom 44 repossession proceedings 44 unpaid PAYE 44 Lord Justice Leveson 44 Nicholas Stadlen 44 HBOS Lloyds TSB 44 profits annuitants 44 Mr Starmer 44 cahoot 44 Remuneration Code 44 Groceries Order 44 Mr Elderfield 44 unauthorized debits 44 Inland Revenue 44 broadcasting watchdog Ofcom 44 Homeowner Mortgage 44 Mrs McTear 44 Small Businesses FSB 44 depositers 44 card issuer 44 Chancellor Alastair Darling 44 Jobseekers Allowance 44 cashback 44 communications watchdog Ofcom 44 charging overdraft fees 44 Postwatch 44 Durbin Amendment 44 energywatch 44 debit card transactions 44 Isas 44 Colleges Admissions Service 44 IR# [003] 44 Calman proposals 44 Barclaycard Platinum 44 HBOS PLC HBOS.LN 44 gagging clauses 44 homeloan 44 Mr Umunna 44 Superannuation Complaints 44 superinjunctions 44 Determinations Panel 44 remortgaging 44 self cert 44 card issuers 44 Regular Saver 44 Pensions Regulator TPR 44 Mr Frazis 44 CHANCELLOR Alistair Darling 44 OVDI 44 Middleweek 44 Lloyds Banking 44 prudential regulator 44 Justice Salisu Garba 44 Landsbanki Icesave 44 information packs HIPs 44 Cash ISAs 44 Soured loans 44 voluntary arrangements IVAs 44 Pensions Ombudsman 44 Libor fixings 44 Senator Callely 44 Lord Pannick 44 Justice Steven Rares 44 Personal Accounts 44 eSaver 44 borrowers 44 procuration fee 44 jobseekers allowance 44 mortgages 44 Media watchdog Ofcom 44 Single Payment 44 rogue dialer 44 Broncos Perrish Cox 44 Mr D' Ascenzo 44 regulator FINMA 44 financial regulator FINMA 44 Natwest 43 NHSLA 43 sat uninvestigated 43 MoneySavingExpert.com 43 £ #bn [002] 43 FSCP 43 Justice ECJ 43 #.#pa liter [006] 43 overdrawn 43 Moneyback Bank 43 Primebroker 43 lender HBOS 43 Andrew Hagger 43 Serious Fraud Office 43 Leasehold Valuation Tribunal 43 2p liter 43 GBP#.# billion [001] 43 HBoS 43 Mr McKillen 43 AADB 43 unsecured debts 43 MegaClaims 43 PAYG installments 43 Ucas 43 consumer watchdog Energywatch 43 arrangement IVA 43 Review RDR 43 Lloyds TSB HBOS 43 PMS savers 43 Dorothy Rhue Allen 43 Stamp Duty 43 OFWAT 43 £ #BILLION 43 payments association Apacs 43 unduly lenient sentences 43 debit interchange 43 Seroxat 43 Job Seeker Allowance 43 British Retail Consortium 43 FRS# 43 Rate Matcher 43 First Instance CFI 43 Heritable Bank 43 Faster Payments 43 Age Discrimination Regulations 43 pubcos 43 Duties Tribunal 43 SA Icasa 43 Citizens Advice Bureaux 43 #b 1s 43 Plc NRK LN 43 Icesave savers 43 Cattles 43 Building Societies 43 Mr Khanbhai 43 ULIP schemes 43 blue badge holders 43 Tesco Asda Sainsbury 43 Her Majesty Revenue 43 non doms 43 lordships 43 Eftpos transactions 43 Fund PPF 43 watchdog Ofcom 43 Identity Cards Bill 43 Inheritance Tax threshold 43 rent arrears 43 pleural plaques 43 Child Tax Credits 43 overclaimed 43 Mr Dimoldenberg 43 mydeposits.co.uk 43 Conister 43 SSIA savers 43 Individual Voluntary Arrangements 43 Lord Glennie 43 Justice Eady 43 ODCE 43 Keydata 43 Lloyds TSB LLOY.L Quote 43 FDIC insured institutions 43 Remortgaging 43 HBOS.L 43 nationalized Anglo Irish 43 judge Hamaundu 43 Chancellor Alistair Darling 43 cashpoints 43 banks 43 Farepak savers 43 MIFs 43 RPIX measure 43 Apacs 43 LVRs 43 savers 43 Lloyds Banking Group 43 Regulation OUR 43 Joann Risse 43 irrecoverable VAT 43 Bill Prasifka 43 vexatious litigants 43 HIBOR 43 HM Treasury 43 PAYE 43 ECJ 43 Esterman misled 43 SwFr#.# billion 43 FoI Act 42 superlevy 42 Scottish Equitable 42 cowboy clampers 42 LTV ratios 42 Moneysupermarket 42 debit card overdrafts 42 super injunctions 42 VAT 42 advisers IFAs 42 Asda Sainsbury 42 Non doms 42 BCTT 42 Logbook Loans 42 Justice Cowdroy 42 Mr Justice Tugendhat 42 Mr Alambritis 42 mortgagors 42 Mr Taranissi 42 Ottakar PLC 42 gross AER 42 SIPPs 42 ABN AMRO AAH.AS Quote 42 Individual Savings Accounts 42 FDs 42 IOLTA accounts 42 SSIAs 42 Skipton BS 42 LGPS 42 watchdog Energywatch 42 contractual entitlements 42 regulator ICSTIS 42 Nasa hacker 42 interlocutory appeals 42 MoneyExpert 42 Cahoot 42 Clubcard vouchers 42 Poiares Maduro 42 Finra arbitration 42 NQs 42 Lotto rapist 42 Karsenty appealed 42 Annual Percentage 42 Attendance Allowance 42 Ofqual 42 Gender Directive 42 fixedrate 42 Ucea 42 chairwoman Paula Rebstock 42 Lord Penrose 42 procuration fees 42 Bounced checks 42 INBS 42 Justice Ziyambi 42 solvency ratios 42 EHRC 42 Isa allowance 42 reasonably arguable 42 AMP demerger 42 gilts maturing 42 frivolous Mulrain 42 RMAR 42 BoSI 42 rebill 42 Base Rate 42 BT Webwise 42 Mr Briault 42 Tenancy Deposit Protection 42 Justice Nyamu 42 GroceryChoice website 42 APRs 42 Instant Saver 42 Association BBPA 42 retail union Usdaw 42 Insurance Contributions NICs 42 Ms Reding 42 CAFA jurisdiction 42 HELOCs 42 FoI requests 42 Moneynet 42 Farepak 42 plain vanilla mortgages 42 GSCOP 42 Safaricom IPO 42 Icesave depositors 42 supertax 42 Overdrafts 42 boiler scrappage scheme 42 Interbank lending 42 de minimis exception 42 Zivotofskys 42 overclaim 42 loan origination fees 42 LCN DNA 42 SIFIs 42 BPAY 42 EBTs 42 Gurkha veterans 42 £ 9bn 42 Unfair Trading 42 Renewables Obligation RO 42 prudential requirements 42 Housebuilders 42 Justice Karwi 42 ISA allowance 42 Lehman minibonds 42 Moneyfacts 42 Lord Goldsmith QC 42 FTBs 42 Mortgage Arrears 42 Bilski patent 42 Westmoore Lending 42 GBP#bn [002] 42 willful defaulters 42 Payment Clearing Services 42 BoE policymakers 42 Card issuers 42 fen phen settlement 42 ISA allowances 42 Pibs 42 blacklisting Macau 42 ContactPoint database 42 Alistair Darling chancellor 42 nonsufficient fund 42 rediscount rate 41 Ngalwana 41 Mr Llwyd 41 Gift Aid 41 Stamp Duty holiday 41 gagging orders 41 Lloyds LLOY.L 41 SSIA scheme 41 #p liter 41 MORTGAGE lending 41 Moneyback 41 Pension Funds NAPF 41 Incapacity Benefit 41 alleged copyright infringers 41 Peter Charleton 41 NPSS 41 Justice Mummery 41 Cablevision pocketed 41 noncustomers 41 British Insurers ABI 41 NCDRC 41 Refco creditors 41 3p liter 41 Mr Sants 41 Authority Ipsa 41 Nominet 41 Insolvency Service 41 Direct Debit 41 Prepaid debit cards 41 re mortgaging 41 MSBs 41 ImageNet Mobile Deposit 41 Becket McGrath 41 Belmarsh detainees 41 CJEU 41 repossessions 41 Lord Goldsmith 41 founding Cauley Geller 41 NatWest bankers 41 Saswitch 41 RBSG 41 statutory minimums 41 Judge Birss QC 41 unmeritorious 41 Wall Streetâ 41 Conveyancing Alliance 41 uswitch.com 41 Boiler Scrappage Scheme 41 Carer Allowance 41 interbank borrowing 41 Lord Falconer 41 Sir Thayne Forbes 41 stamp duty 41 Individual Voluntary Arrangements IVAs 41 Telecom Dispute Settlement 41 ICSTIS 41 subpostmasters 41 Justice Dennis Cowdroy 41 NetBank Saver 41 Jobseeker Allowance JSA 41 Payment Clearing 41 Bellwin scheme 41 Rightsholders 41 Overpayments 41 Equitable Life Payments 41 Wm Morrison 41 £ #billion [002] 41 claimants 41 Marambii 41 £ #.#bn [006] 41 Crown Solicitor 41 overage fees 41 BAA monopoly 41 Hassan Kachloul affair 41 provisioning norms 41 pre nups 41 Solicitors Disciplinary Tribunal SDT 41 uSwitch 41 Cllr Thornber 41 TARP repayments 41 unduly lenient sentence 41 benchmark PLR 41 Justiciary 41 Ombudsman Anne Seex 41 Eibor 41 superannuation surcharge 41 Mr Senlitonga 41 BPay 41 Justice Sedley 41 HSBC Lloyds TSB 41 Mortgage servicers 41 Election Petition Tribunals 41 Pre Budget 41 Sipps 41 Cardpoint 41 AVCs 41 gross NPAs 41 consumer watchdog Postwatch 41 redundancy payouts 41 Tiny Bubbles fix 41 CP#/# 41 Carphone 41 Goldenberg Affair 41 Disputed Returns 41 OSCR 41 watchdog Ofwat 41 Source Brodies LLP 41 Jobseeker allowance 41 MmO2 41 statutory redundancy 41 UKIPO 41 fortnightly rubbish collections 41 QCF level 41 Sir Stelios 41 KiwiSaver schemes 41 Appeals Tribunal CAT 41 £ #bn [001] 41 mortgage 41 association APACS 41 lenders 41 Pension SIPP 41 Farepak Response Fund 41 Jobseeker Allowance 41 Somerfield supermarket chain 41 Eurotariff 41 Unsecured borrowing 41 countercyclical buffers 41 #B Slashes Dividend 41 maturing SSIA 41 KPMG Fraud Barometer 41 filesharers 41 Fixed Rate ISA 41 BPLRs 41 bonus supertax 41 rogue clampers 41 LSE LLOY 41 postal regulator Postcomm 41 nutrient profiling 41 Unsecured lending 41 Westminster sleaze watchdog 41 Icesave 41 Lord Bonomy 41 Barclays BARC.L Quote Profile 41 anticompetition 41 barristers 41 moneysupermarket 41 Birmingham Midshires 41 Protected Withdrawal Value 41 Mahon tribunal 41 Weisses misrepresented 41 rebilling 41 BSkyB 41 Tesco 41 depolarisation 41 Commerce BCC 41 Saswitch fees 41 VAT PAYE 41 conveyancers 41 Fair Access Offa 41 concessionary fare 41 Countrywide Mozilo 41 unnecessary adjournments 41 Competition Appellate Tribunal 41 Lloyds TSB PLC 41 outgoings 41 HAMP modification 41 solicitors 41 trivial commutation 41 Ms Rebstock 41 re mortgagers 41 Creditors Voluntary Agreement 41 spokeswoman Liana Shlyaposhnikova 41 Scams Awareness Month 41 BOA bylaw 41 Juliane Kokott 41 garnishee orders 40 committal proceedings 40 claiming jobseekers allowance 40 Isa Saver 40 insured depository institutions 40 spokesman Shane O'Riordain 40 defreezing 40 FRSSE 40 lord chancellor 40 #p pint 40 Flexi Rate 40 occupational pension 40 unfair dismissal 40 Lloyds TSB NatWest 40 £ 2billion 40 Garda Fraud Squad 40 ISTCs 40 TruPS CDOs 40 bogus workmen 40 Justice Stadlen 40 Tenancy Deposit Scheme 40 CVAs 40 Monthly Saver 40 Justice Stanley Burnton 40 Pensions DWP 40 Justice Mary Laffoy 40 Justice Nirmal Yadav 40 clampers 40 ABSs 40 HSMP 40 Mortgage Lenders CML 40 Johal Dairies 40 Tony Randerson 40 Megaclaims 40 QROPS 40 Uswitch.com 40 nationalized lender 40 £ 7billion 40 workless families 40 CGT taper relief 40 CGT exemption 40 Easy Saver 40 Telecoms watchdog Ofcom 40 attained finality 40 ComCom 40 BANKING giant 40 minibonds 40 Research CEBR 40 Lloyds TSB LLOY.L 40 Cassimatises 40 Cosmens 40 EIBOR 40 Frank Mondano Shanley 40 #pence 40 GBP#.#bn [001] 40 Accountants KPMG 40 month Klibor 40 constitutes patentable 40 customer overdraws 40 Australian Competition Tribunal 40 Ms Spottiswoode 40 borrowers defaulting 40 Constituted Authority 40 Baroness Butler Sloss 40 Appeal Tribunal 40 co.uk domain names 40 £ 9billion 40 firm BSkyB BSY.L 40 HIPs 40 hosepipe ban 40 Unsecured creditors owed 40 SSIA holders 40 Jeevan Aastha 40 Moneyfacts.co.uk 40 Ulips 40 Income Tax Appellate Tribunal 40 Michael D' Ascenzo 40 HomeEq 40 Regulator Ofwat 40 moneysupermarket.com 40 PSBs 40 Mr Dromey 40 Repossessions 40 Mrs Ilott 40 CIFAS Members 40 Asda Morrisons 40 suspending Lamberth 40 Rate setters 40 Mr Middleweek 40 peerages 40 Bankrupts 40 Balance Transfer 40 Justice Babs Kuewumi 40 reversion schemes 40 FDIC insures 40 Kalove 40 wealthy non doms 40 minibond investors 40 creditworthy borrower 40 Mr McElholm 40 CLICO policyholders 40 Mr Maurici 40 Kiwisaver 40 Balpa 40 Remuneration Panel 40 automatically debited 40 Judge Svetlana Alexandrova 40 tution fees 40 Mortgage approvals 40 RAC motoring strategist 40 Check Cashers Act 40 Lord Myners 40 Partybets account 40 mmO2 40 Sarfaesi Act 40 RBS Lloyds 40 Zimbabwean asylum seekers 40 FERA violation 40 CPZs 40 Jobseekers Allowance claimants 40 Pounds #bn [001] 40 Ramburuth 40 GPPs 40 PRRB 40 depositors 40 ChexSystems 40 icesave 40 illegal file sharers 40 Bacs Direct Credit 40 forex bureaus 40 incapacity benefit 40 repaying TARP 40 Kensington Mortgages 40 nyse LYG news 40 Information Packs Hips 40 Citizens Advice Bureaux CAB 40 Credit Ombud 40 contributions NICs 40 employer PRSI 40 OfCom 40 Mr Justice Ouseley 40 Oxera 40 Mr Petricevic 40 Ms Kirkbride 40 LLoyds TSB 40 #.#pa liter [004] 40 Clinical Excellence Nice 40 Rob Burman IGN 40 ECJ judgment 40 Mr Shafron 40 Stephen Haddrill 40 accountholders 40 MediaCAT 40 Moneyexpert.com 40 overcontribution 40 perpetuate bailouts 40 Insolvency practitioners 40 Roth IRA withdrawals 40 Flexible Saver 40 Prudential Regulation 40 B FOODS REDUCED 40 RBS LON RBS 40 robo signing foreclosure 40 Shirley McKie 40 concessional contributions 40 concessionary fares 40 Mr Raynsford 40 Ms Cuming 40 2pc 40 Moneymadeclear 40 £ 8billion 40 VAT refunds 40 Newstart allowance 40 Mr Gauke 40 Insolvencies 40 Insurancewide 40 LBIE 40 unsophisticated borrowers 40 SMSFs 40 CEHR 40 housebuying 40 telecom tribunal TDSAT 40 confiscatory penalties 40 unsolicited telemarketing calls 40 British Phonographic Industry 40 arrears amounting 40 Mr Margaretic 40 GPhC 40 HSBC Lloyds Banking 40 licensed moneylenders 40 Jobseeker Allowance claimants 40 dated gilts 40 PAYG withholding 40 cohabitees 40 provident fund deposits 40 DICGC 40 BA cabin 40 Barclays Plc BARC.L 40 Robert Schwaneberg covers 40 ratio LVR 40 Information Packs HIPs 40 #.#pa liter [001] 40 lender Cattles 40 EFTPOS transactions 40 Armed Forces Compensation Scheme 40 tax avoiders 40 Upaid 40 assured shorthold tenancies 40 IPStream 40 undeducted contributions 40 Mahon Tribunal 40 Carers Allowance 40 NPL ratios 40 Trades Descriptions Act 40 clawback mechanism 40 Satellite broadcaster BSkyB 40 chairman Vanni Treves 40 noninterest bearing checking 40 moneyfacts.co.uk 40 Mary Finlay Geoghegan 40 Ms Wolthuizen 40 Truono 40 HCRs 40 Banks ALBK.I 40 Malcolm Tarling 40 Westpac ANZ 40 Regulatory Reform BERR 40 nitrates directive 40 broadband dongles 40 Harsh Roongta answers 40 MIFID 40 Subprime lender Cattles 40 LON LLOY 40 £ #.#bn [001] 40 IBNR levy 40 Pounds #.#bn [001] 40 Garda Ombudsman Commission 40 frivolous PILs 40 OIS spreads 40 Refund Anticipation Loan 40 Statutory Sick Pay 40 IUC regime 40 clawback 40 sub postmasters 40 OFFA 40 CTFs 40 overpayments 40 € 9bn 40 £ #.#tn 40 triennial valuation 40 Tir Mynydd 40 Clubcard loyalty scheme 39 #-# Darkes Lane 39 Construction union UCATT 39 S2P 39 Air Passenger Duty 39 FTEU 39 Justice Madgwick 39 abracadabra presto chango 39 Inheritance Tax 39 Justice Toulson 39 unsubsidized Stafford loans 39 Rail Regulation ORR 39 Carbon Reduction Commitment CRC 39 Inheritance Tax IHT 39 subsidiary Heritable 39 dispositive motion 39 Ed Domansky spokesman 39 ComReg 39 RPIX 39 JSA claimants 39 song Girlfriend rips 39 Lloyds TSB LSE LLOY 39 deductors 39 Barclaycard Simplicity 39 Jobseekers allowance 39 rateable value 39 Presidential Election Petitions 39 Nationwide Consumer Confidence 39 pubco 39 HECS debts 39 tapes Trentadue 39 regulator Icstis 39 Premier Regular Saver 39 CRB checks 39 Clubcard holders 39 Louise Cuming head 39 hauliers 39 ½ p valuing 39 Core Tier 39 Larry DiRita spokesman 39 Mr Boulger 39 MTRs 39 Lehman Brothers minibonds 39 FAIS Ombud 39 debit card issuers 39 Louise Cuming 39 By DEALBOOK 39 sickness absence 39 Justice Apondi 39 Watchdog Gov't