What a gutless, self-centred industry we work in. Don't kid ourselves. Depolarisation is driven by banks, building societies and providers which are losing market share to the independent sector and do not like it.
The motto is if you cannot beat them, change the rules and do not give a toss for the consumer.
As for the Government, its hypocrisy is breathtaking. Isn't it the party that is supposed to be sticking up for the consumer? My eye!