What did McColl discover, in the two days since joining the company, that gave him cold feet? Perhaps he feared being probed about the £73 million fine the FCA laid at its door last year, but chose not to enforce because it didn’t think the company had the money? Or did McColl suddenly baulk at possible queries about Amigo’s future, not as a lender, a music streamer or even some new incarnation, a dating site, perhaps?