They're better than the IAS, but they're not brilliant. It's your money, so your choice, but I usually take the view that if I feel I don't owe the money, I run the argument as far as I need to, up until court if necessary. I'd never rely on a POPLA decision - they can be unpredictable. It's also impossible for us to offer much steer with the current information - we'd need to see the signage etc.