Phil McDonnellImagine a knock on your door early one morning. You stumble down the hall in your dressing gown and open the latch, expecting to find the postman clutching a parcel that requires your signature.

Instead you are confronted with by a phalanx of inspectors from the Office of Fair Trading (OFT) and the Serious Fraud Office, about to conduct an unannounced search of your home, demanding telephone records, computer files and financial papers.