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You have seen what happened with PPI, and the cost.
You may know; but if you do not, just look at the PPI page, that the first PPI court action was taken by me.
(L W Price -vs- TSB Bank Plc)
You will see the same happens with Car Insurance
There are plenty more scams, people will identify and post on this and other website blogs, for everyone to read, and others taking action.
Many of you will not be able to pay the refunds and compensation, so will cease trading. A compensation fund will be put in place; so that any company who ceases trading for the legitimate reason, they are unable to service the debt, there will be sufficient funds to settle this. It will be the responsibility of all remaining Banks and Financial Institutions, to ensure there is sufficient funds, for this to be carried out.