1. For the reasons set out above, I am satisfied that the three grounds relied on by CAV have been proved.
2. As discussed earlier, I have been asked to make findings on the grounds only and not in respect of the matters raised by CAV under section 25. Accordingly, I have not heard specific submissions about whether, as alleged:
   • There has been a contravention or failure to comply with the Estate Agents Act or the Regulations; and/or
   • Mr Murray has been guilty of conduct as an estate agent which render him unfit to hold a licence.
3. It is apparent that the necessary findings of fact have been made such that there could be a finding of contraventions. The second issue as to fitness to hold a licence is significant and ought not to be decided without hearing the parties as to how the findings I have made ought to be applied to that issue.
4. I will list the proceeding for a directions hearing before me so that appropriate procedural orders may be made.

[1] Proceeding Z188/2015, findings and orders made on 22 September 2015.