David Elden Howes

Findings — machine-extracted (anthropic-batch:claude-opus-4-8); verify against the decision

David Elden Howes, a sole practitioner with 46 years' experience, was found to have practised without valid Professional Indemnity Insurance between July 2019 and February 2020, continued to act and take on new clients (including reserved activities and holding client money) without insurance, falsely told third parties he had valid PII, and failed to keep any books of accounts. The Tribunal made express findings of dishonesty in respect of allegations 1.2 and 1.3. The Respondent did not participate. The Tribunal struck him off the Roll and ordered costs of £6,488.66.

Duties found breached:

• Proper basis for allegations
• Personal probity and fitness to practise
• Handle inadvertently received material
• Accounting records, reconciliation and reports
• Professional indemnity insurance
• Not misrepresent regulated status

Aggravating factors:

• Dishonesty proved
• Misconduct deliberate, calculated, repeated and continued over time
• Concealed wrongdoing from clients via false statements
• Breach of position of trust
• Continued to take on new clients while uninsured
• Element of planning to avoid regulatory responsibilities and costs
• Highly experienced solicitor (46 years qualified)

Mitigating factors:

• No evidence of actual harm to clients
• No previous disciplinary findings
• Degree of co-operation with the FIO's investigation