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  One respondent felt that a business entering into the supply of unsecure loan instant decision, particularly to non-status borrowers, would find it difficult to raise finance externally and that there was a limited pool of staff with the necessary expertise, so that recruitment could be difficult. The Financial Services Authority (FSA) is currently consulting on proposals for the regulation of the administration and sale of general insurance, including PPI, for which it assumes responsibility from January 2005. List the people you owe money to, when you owe it and how much you can afford to pay back each month.

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