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The problem with much of this stems from weak and pathetic representation at the Council of Mortgage Lenders when, as usual, our mild mannered gentlemanly lawyer representatives allow everybody to trample all over them and take way to much under our remit.

It would be preferable to let our PII insurers determine our remit and present this to the CML.

Mind you, I wonder how many Lenders own shares in the PII insurers !

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