Competition Commission Payment Protection Insurance Market Investigation http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm Latest documents published by the CC PPI investigation en-gb info@cc.gsi.gov.uk http://www.competition-commission.org.uk/whats_new/logo.gif Competition Commission http://www.competition-commission.org.uk 98 98 PPI Remittal: Press Release (25 November 2010) PPI—CC consults on Draft Order http://www.competition-commission.org.uk/press_rel/2010/nov/pdf/press_release_ppi_cc_consults_on_draft_order.pdf http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/press_release_ppi_cc_consults_on_draft_order.pdf251110 PPI Remittal Draft explanatory Note to accompany the PPI Order (2010) (25 November 2010) Draft explanatory Note to accompany the PPI Order (2010) http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/draft_explanatory_note_to_accompany_the_ppi_order_2010.pdf http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/draft_explanatory_note_to_accompany_the_ppi_order_2010.pdf251110 PPI Remittal Draft PPI Order (2010) (25 November 2010) Draft PPI Order (2010) http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/draft_ppi_order_2010.pdf http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/draft_ppi_order_2010.pdf251110 PPI Remittal Notice of intention to make an Order (2010) (25 November 2010) PPI Remittal Notice of intention to make an Order (2010) http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/notice_of_intention_to_make_an_order_2010.pdf http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/notice_of_intention_to_make_an_order_2010.pdf251110 PPI Remittal Final Report (14 October 2010) PPI Remittal Final Report http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/report.pdf http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/pdf/report.pdf141010 PPI Remittal: Press Release (28 July 2010) Provisional decision on retail PPI remedies Press Release http://www.competition-commission.org.uk/press_rel/2010/july/26-10_ppi_cc_consults_on_measures.pdf http://www.competition-commission.org.uk/press_rel/2010/july/26-10_ppi_cc_consults_on_measures.pdf29072010 PPI Remittal: Provisional decision on retail PPI remedies (28 July 2010) Competition Commission Publishes Provisional decision on retail PPI remedies http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/provisional_decision_on_retail_ppi_remedies.htm http://www.competition-commission.org.uk/inquiries/ref2010/ppi_remittal/provisional_decision_on_retail_ppi_remedies.htm29072010 PPI remittal - administrative timetable (18 December 2009) PPI remittal - administrative timetable published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm181209 Statement following Competition Appeal Tribunal's Judgment (16 October 2009) Statement following Competition Appeal Tribunal's Judgment. http://www.competition-commission.org.uk/press_rel/2009/oct/pdf/48-09.pdf http://www.competition-commission.org.uk/press_rel/2009/oct/pdf/48-09.pdf161009 CC Briefing Seminars on Draft PPI Order: Questions and Answers (18 September 2009) CC Briefing Seminars on Draft PPI Order: Questions and Answers http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/0709_qa.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/0709_qa.pdf180909 Further responses to public consultation on the draft Order (20 August 2009) Responses to public consultation on the draft Order from ABI and Legal and General Group plc http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_public_consultation.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_public_consultation.htm200809 Further responses to public consultation on the draft Order (18 August 2009) Responses to public consultation on the draft Order from Barclays Bank plc , Banque PSA Finance, Capital One Bank, Cardif Pinnacle, HSBC Group, Paymentshield Ltd, Financial Services Authority (FSA) http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_public_consultation.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_public_consultation.htm180809 Responses to public consultation on the draft Order (13 August 2009) Responses to public consultation on the draft Order are now available. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_public_consultation.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_public_consultation.htm130809 20 July PPI briefing seminar presentations are now available. (21 July 2009) 20 July PPI briefing seminar presentations are now available. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/200709_briefing_seminar.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/200709_briefing_seminar.htm210709 Insight Research PPI forms consumer testing. (27 April 2009) Insight research report and independent survey moderator report published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/consumer_research.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/consumer_research.htm270409 The CC’s investigation into PPI and the remedies process - Talk to the BBA by Dr.Peter Davis (Deputy Chairman CC) on the 24 February 2009 published. (27 February 2009) The CC’s investigation into PPI and the remedies process - Talk to the BBA by Dr.Peter Davis (Deputy Chairman CC) on the 24 February 2009 http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm270209 Administrative timetable for the making of the Order (30 January 2009) Administrative timetable for the making of the Order published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm300109 Final report published (29 January 2009) Final report published. http://www.competition-commission.org.uk/rep_pub/reports/2009/542ppi.htm http://www.competition-commission.org.uk/rep_pub/reports/2009/542ppi.htm290109 Response to provisional decision on remedies from London General Insurance Company Limited (26 January 2009) Response to provisional decision on remedies from London General Insurance Company Limited published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm260109 Further response to provisional decision on remedies (20 January 2009) Further response to provisional decision on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm200109 Response to provisional decision on remedies from Paymentshield (16 January 2009) Response to provisional decision on remedies from Paymentshield published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm160109 Further responses to provisional decision on remedies from Egg Banking plc published. (12 January 2009) Further responses to Provisional decision on remedies from Egg Banking plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm120109 Further responses to provisional decision on remedies from HSBC Group published. (07 January 2009) Further responses to Provisional decision on remedies from HSBC Group published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm070109 Further responses to provisional decision on remedies from Barclays Bank plc published. (23 December 2008) Further responses to Provisional decision on remedies from Barclays Bank plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm231208 Further responses to provisional decision on remedies published. (22 December 2008) Further responses to Provisional decision on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm171208 Further responses to provisional decision on retail remedies published. (22 December 2008) Further responses to provisional decision on retail remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr_retail.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr_retail.htm221208 Further responses to provisional decision on remedies published. (19 December 2008) Further responses to Provisional decision on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm171208 Responses to provisional decision on retail remedies published. (19 December 2008) Responses to provisional decision on retail remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr_retail.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr_retail.htm171208 Application to intermediaries published. (12 December 2008) Application to intermediaries of the 13 November provisional decision on remedies published http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/application_to_intermediaries.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/application_to_intermediaries121208 Further working papers published. (12 December 2008) Further working papers published - Further analysis of the implications of the Impairment experience of PPI and non-PPI credit accounts, Updated Appendices 3.2 and 3.3 of provisional findings and Profitability of distributing second charge mortgage PPI published http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm121208 Responses to Provisional decision on remedies published. (10 December 2008) Responses to Provisional decision on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pdr.htm091208 Administrative timetable updated. (27 November 2008) Administrative timetable updated. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf271108 Response to Provisional findings on retail PPI and Supplementary Notice of possible remedies for retail PPI from Shop Direct Group Financial Services published. (25 November 2008) Responses to Provisional findings on retail PPI and Supplementary Notice of possible remedies for retail PPI from Shop Direct Group Financial Services published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pf_retail.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pf_retail.htm251108 Provisional decision on retail PPI remedies. (21 November 2008) Provisional decision on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/provisional_decision_remedies_retail.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/provisional_decision_remedies_retail.htm211108 Response to Provisional findings on retail PPI and Supplementary Notice of possible remedies for retail PPI from Aviva plc published. (20 November 2008) Responses to Provisional findings on retail PPI and Supplementary Notice of possible remedies for retail PPI from Aviva plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pf_retail.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pf_retail.htm201108 Responses to Provisional findings on retail PPI and Supplementary Notice of possible remedies for retail PPI (18 November 2008) Responses to Provisional findings on retail PPI and Supplementary Notice of possible remedies for retail PPI published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pf_retail.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_pf_retail.htm181108 Working paper on the impairment experience of insured and non-insured credit customers and the use of this data (13 November 2008) Working paper on the impairment experience of insured and non-insured credit customers and the use of this data published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm131108 Provisional decision on remedies. (13 November 2008) Provisional decision on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/provisional_decision_remedies.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/provisional_decision_remedies.htm131108 Administrative timetable updated. (31 October 2008) Administrative timetable updated. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf311008 Synovate PPI price presentation research (October 2008) (30 October 2008) Synovate PPI price presentation research (October 2008) published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/consumer_research.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/consumer_research.htm301008 Consultation on further analysis conducted to aid decision-making on remedies published. (14 October 2008) Consultation on further analysis conducted to aid decision-making on remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/consultation.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/consultation.htm141008 Notice of provisional findings on retail PPI, retail finance PPI: provisional findings report and notice of possible remedies for retail PPI published. (10 October 2008) Notice of provisional findings on retail PPI, retail finance PPI: provisional findings report and notice of possible remedies for retail PPI published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm091008 Response to provisional findings from Citizens Advice, OFT, GWA and a large underwriter no.2 published. (02 October 2008) Response to provisional findings from Citizens Advice, OFT, GWA and a large underwriter no.2 published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm021008 Administrative timetable updated. (24 September 2008) Administrative timetable updated. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf240908 Responses to provisional findings and notice of possible remedies from Cattles plc published. (23 September 2008) Responses to provisional findings and notice of possible remedies from Cattles plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm230908 Responses to provisional findings and notice of possible remedies from Banque PSA Finance, GMAC Insurance and Which? published. (12 September 2008) Responses to provisional findings and notice of possible remedies from Banque PSA Finance, GMAC Insurance and Which? published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm120908 Responses to provisional findings and notice of possible remedies from FSA, LifeSearch, a large underwriter, a member of public, Rod Revell and Cassidy Davis published. (09 September 2008) Responses to provisional findings and notice of possible remedies from FSA, LifeSearch, a large underwriter, a member of public, Rod Revell and Cassidy Davis published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm090908 Response to provisional findings and notice of possible remedies from Assurant Solutions (15 August 2008) Response to provisional findings and notice of possible remedies from Assurant Solutions published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm150708 Response to provisional findings and notice of possible remedies from Aviva plc (13 August 2008) Response to provisional findings and notice of possible remedies from Aviva plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm130708 Response to provisional findings and notice of possible remedies from HSBC Group (13 August 2008) Response to provisional findings and notice of possible remedies from HSBC Group published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/response_pf_hsbc.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/response_pf_hsbc.pdf13808 Response to provisional findings and notice of possible remedies from the Royal Bank of Scotland Group plc published. (08 August 2008) Response to provisional findings and notice of possible remedies from the Royal Bank of Scotland Group plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm070808 Further responses to provisional findings and notice of possible remedies. (05 August 2008) Further responses to provisional findings and notice of possible remedies from Coventry Building Society, Genworth Financial, Lloyds TSB Group plc, MBNA Bank Europe Ltd, Nationwide Building Society published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm300708 Responses to provisional findings and notice of possible remedies (25 July 2008) Responses to provisional findings and notice of possible remedies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_provisional_findings.htm250708 Administrative timetable updated. (11 July 2008) Administrative timetable updated. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable.pdf110708 Provisional findings report published. (05 June 2008) Provisional findings report, notice of possible remedies and notice of provisional findings published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm050608 Administrative timetable updated. (22 May 2008) Administrative timetable updated. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable2.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/core_timetable2.pdf Post-emerging thinking oral evidence from Lloyds TSB published. (21 May 2008) Summary of hearing with Lloyds TSB held published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_lloyds_2.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_lloyds_2.pdf210508 Post-emerging thinking oral evidence from Cattles plc published. (20 May 2008) Summary of hearing with Cattles held on 6 March 2008 published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_cattles2.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_cattles2.pdf200508 Responses to emerging thinking from Everyday Financial Solutions, MBNA Bank Europe ltd and Royal Bank of Scotland plc published. (16 May 2008) Responses to emerging thinking from Everyday Financial Solutions, MBNA Bank Europe ltd and Royal Bank of Scotland plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_emerging_thinking.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_emerging_thinking.htm160508 Responses to emerging thinking from Cattles and a large distributor published. (13 May 2008) Responses to emerging thinking from Cattles and a large distributor published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_emerging_thinking.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_emerging_thinking.htm130508 Post-emerging thinking oral evidence from HSBC published. (12 May 2008) Post-emerging thinking oral evidence from HSBC published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_hsbc_2.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_hsbc_2.pdf090508 Working papers on Evidence on the extent of PPI search published. (07 May 2008) Working papers on Evidence on the extent of PPI search published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm070508 Working papers on Switching and Switching costs for single premium policies (02 May 2008) Working papers on Switching and Switching costs for single premium policies published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/further_working_papers.htm020508 Post Emerging Thinking oral evidence added from Company B (1 May 2008) Post Emerging Thinking oral evidence added from Company B published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_company_b.pdf.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_company_b.pdf.pdf010508 Working paper on the Use of Price Comparison Websites (25 April 2008) Working paper on the Use of Price Comparison Websites published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_price_comparison.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_price_comparison.pdf250408 Post Emerging Thinking oral evidence added from Barclays Bank plc (25 April 2008) Post Emerging Thinking oral evidence added from Barclays Bank plc published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_barclays_2.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_barclays_2.pdf240408 Working paper on the role of intermediaries in the sale of MPPI (23 April 2008) Working paper on the role of intermediaries in the sale of MPPI published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_sale_of_mppi.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_sale_of_mppi.pdf230408 Working Paper on Barriers and Benefits to Search (22 April 2008) Working Paper on Barriers and Benefits to Search published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_search.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_search.pdf210408 Working paper on price dispersion (11 April 2008) Working paper on price dispersion published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_price_dispersion.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_price_dispersion.pdf110408 Hearing Summary from Company A (31 March 2008) Hearing Summary from Company A published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_company_a.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/hearing_summary_company_a.pdf.pdf310308 Entry and expansion working paper (31 March 2008) Entry and expansion working paper published. http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_entry_expansion.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/working_paper_entry_expansion.pdf310308 Responses to Emerging Thinking - Everyday Loans Limited (26 March 2008) Responses to Emerging Thinking - Everyday Loans Limited http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/responses_emerging_thinking_everyday_loans_ltd.pdf http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/responses_emerging_thinking_everyday_loans_ltd.pdf260308 Responses to Emerging Thinking - Arriva plc (04 March 2008) Responses to Emerging Thinking - Arriva plc http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_emerging_thinking.htm http://www.competition-commission.org.uk/inquiries/ref2007/ppi/responses_emerging_thinking.htm040308