A few weeks later, he received a bill for $2500 from his original adviser, who said because the loan had been refinanced within 24 months of being issued, the bank had clawed back her commission. She was entitled to recover that from the client with a clawback fee. The client complained to disputes scheme Financial Services Complaints Ltd (FSCL). He said he received a copy of the mortgage adviser’s terms of engagement, but he had not realised the fee could be so large. He thought the section of the agreement setting out the clawback was so vague that it was unfair for the adviser to try and enforce it.