I have here the report I referred to, from the Competition and Markets Authority. Paragraph 2.37 states:
“The range of services provided by CMCs can include … (d)”—
among other things—
“providing credit repair and credit hire for non-fault claimants”.
In other words, as far as the CMA is concerned, claims management companies certainly include credit hire companies. In my bit of the industry—underwriting—we would absolutely think that they are part of the same thing. No one has objected to that. It is very clear throughout that section of the CMA report that they are one and the same.