Introduction
2.1 This chapter discusses the responses we received concerning the rationale, scope and costs and benefits of the package of measures in CP09/23. Responses from the consumer side supported the package of measures as necessary, appropriate and proportionate (see paragraph 1.12). However, most industry responses argued that we had:
A not demonstrated that there was a genuine problem around PPI sales or around PPI complaint handling;
B proposed a solution conce
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