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FSA: The financial regulator has been fining PPI companies throughout the industry for miss hold polices, plus the Competition Commission has investigated the market and made a number of demands on lenders, including banning sales within a week of selling a credit card or loan and totally banning single premium polices.

FOS: The Financial Ombudsman (FOS) has also complained to the regulator that lenders are "deliberately trying to obstruct the Ombudsman process". The FOS concides some lenders have been rejecting ALL consumers attempts to reclaim, PPI in 2008 - 2009 89% of cases dealt with by the Ombudsman were decided in the consumer's favour. In Sep 09, for the first time, the FOS released details on company-by-company complaints data. Some big name lenders (Black Horse, Capital One, Egg, Lloyds TSB, Northern Rock, RBS, Barclays and MBNA) all had over 90% of insurance (primarily PPI) complaints found in consumers' favour at the ombudsman.