I have used a test, based on your evidence, what would a reasonable person conclude?"
The law buts the burden on the bank, but to your advantage the late reporting allows that you need not follow all the investigative rules like finishing within any given time frame or paying provisional credit. I'd never say the investigation could take as long as the claim, but I'd sure think it. :p
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell