FSMT has dismissed a reference from Sabz Ali Khan to appeal against FSA's decision to refuse him permission to act as an insurance and mortgage intermediary. FSA had refused the application because it had no evidence of appropriate expertise within the applicant firm and, later, Mr Khan had used CVs of two individuals without their permission, claiming they would work for the firm when they had no intention of doing so. Mr Khan did not attend the hearing and FSMT dismissed the reference.