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There would be no need for CMCs to be involved in this area of business if the banks voluntarily offered refunds to those customers they wrongly sold PPI to in the first place. I have not seen any evidence the banks have trawled through the loans they have made where they also sold PPI and contacted their customers to see if it was appropriate and if not refunded the premiums. I am not championing CMCs but I fail to see what it has to do with the government-is this not free enterprise.