Guy Flintham faces charges of fraud by false representation
Losing an average of just under £13,000 each to scammers
Four in ten (41%) adults experienced a scam attempt in the last year
Regulator emphasises urgency for firms to safeguard clients and combat fraud
'We will not tolerate those who abuse that trust'
Fraudulent claims totalled £24,000
Received £1.2m from protection policy