Case 1 The member joined the fund in 2002 after receiving advice from a financial adviser. The application form authorised a contribution fee of 4.5 per cent on initial and future contributions. The member pointed out he had not received any financial advice for over ten years, and he now wanted all the contribution fees refunded. On 31 March 2014 the member contacted the trustee and asked for his financial adviser to be removed from the account. He believed this step would stop the 4.5 per cent fee being deducted, but it did not – hence the complaint to AFCA....