Collection

CMA letters to companies in breach of market investigation orders and undertakings

Letters sent by the Competition and Markets Authority (CMA) to companies about their non-compliance with market investigation orders and undertakings.

• From: Competition and Markets Authority
• Published: 9 December 2016
• Last updated: 2 February 2024 — See all updates

These letters set out the actions agreed between the CMA and the companies to remedy breaches of orders and undertakings.

Payday Lending Market Investigation Order 2015

• CMA letter to Shelby Finance Limited on 4 breaches of the Payday Lending Order
  • 31 March 2023
  • Correspondence
• CMA letter to Auden Group Ltd on 2 breaches of the Payday Lending Order
  • 31 March 2023
  • Correspondence
• CMA letter to Shelby Finance Limited on breaches of the Payday Lending Order
  • 7 July 2020
  • Correspondence

Retail Banking Market Investigation Order 2017

• CMA takes action against the Co-operative Bank for breaching Part 3 and Article 56 of the Retail Banking Order
  • 15 August 2023
  • Correspondence
• CMA takes action against NatWest for breaching Part 3 and Part 8 of the Retail Banking Order
  • 15 August 2023
  • Correspondence
• CMA takes action against HSBC for breaching Part 5 of the Retail Banking Order
  • 25 July 2023
  • Correspondence
• CMA takes action against TSB for breaching Part 5 of the Retail Banking Order
  • 25 July 2023
  • Correspondence
• CMA takes action against Nationwide for breaching Part 5 of the Retail Banking Order
  • 25 July 2023
  • Correspondence
• CMA takes action against HSBC for breaching Part 2 of the Retail Banking Order
  • 19 January 2023
  • Correspondence
• CMA takes action against Danske for breaching Part 2 of the Retail Banking Order
  • 11 November 2022
  • Correspondence
• CMA takes action against Nationwide for breaching Part 2 of the Retail Banking Order
  • 11 November 2022
  • Correspondence
• CMA takes action against NatWest for breaching Part 8 of the Retail Banking Order
  • 11 November 2022
  • Correspondence
• CMA takes action against Bank of Ireland for breaching Parts 2 and 3 of the Retail Banking Order
  • 22 July 2022
  • Correspondence
• CMA takes action against Barclays for breaching Part 8 of the Retail Banking Order
  • 22 July 2022
  • Correspondence
• CMA takes action against HSBC for breaching Parts 7 and 8 of the Retail Banking Order
  • 22 July 2022
  • Correspondence
• CMA takes action against Lloyds Banking Group for breaching Parts 3 and 8 of the Retail Banking Order
  • 22 July 2022
  • Correspondence
• CMA takes action against Metro Bank for breaching Part 7 of the Retail Banking Order
  • 22 July 2022
  • Correspondence
• CMA takes action against NatWest for breaching Parts 2 and 10 of the Retail Banking Order
  • 22 July 2022
  • Correspondence
• CMA Letter to HSBC UK about 11 breaches of the Retail Banking Order
  • 28 April 2022
  • Correspondence
• CMA Letter to Barclays about 13 breaches of the Retail Banking Order
  • 21 March 2022
  • Correspondence
• CMA Letter to Lloyds about 10 breaches of the Retail Banking Order
  • 21 March 2022
  • Correspondence
• CMA Letter to Barclays about one breach of the Retail Banking Order
  • 11 February 2022
  • Correspondence
• CMA letter to Tesco Bank about one breach of The Retail Banking Order
  • 11 February 2022
  • Correspondence
• CMA Letter to Monzo about one breach of the Retail Banking Order
  • 31 January 2022
  • Correspondence
• CMA letter to Lloyds about a breach of the Retail Banking Order
  • 13 October 2021
  • Correspondence
• CMA letter to Santander about a breach of the Retail Banking Order
  • 24 September 2021
  • Correspondence
• CMA letter to Monzo on a breach of the Retail Banking Order
  • 22 June 2021
  • Correspondence
• CMA letter to NatWest on a breach of the Retail Banking Order
  • 22 June 2021
  • Correspondence
• CMA letter to Virgin Money on a breach of the Retail Banking Order
  • 22 June 2021
  • Correspondence
• CMA letter to Bank of Ireland on four breaches of the Retail Banking Order
  • 22 June 2021
  • Correspondence
• CMA letter to RBSG on 2 breaches of the Retail Banking Order
  • 11 August 2022
  • Correspondence
• CMA letter to Metro Bank on breaches of the Retail Banking Order
  • 20 April 2020
  • Correspondence
• CMA letter to Nationwide on breaches of the Retail Banking Order
  • 6 February 2020
  • Correspondence
• CMA letter to Santander on breaches of the Retail Banking Order
  • 24 May 2019
  • Correspondence

Cement Market Data Remedy Undertakings

• CMA letter to Tarmac on a breach of the Cement Market Data Order
  • 22 June 2022
  • Correspondence
• CMA letter to Hanson UK on breaches of the Cement Market Data Order
  • 25 November 2020
  • Correspondence
• CMA letter to the MPA on breaches of Cement Market Data Remedy Undertakings
  • 3 May 2019
  • Correspondence

Payment Protection Insurance Market Investigation Order 2011

• CMA takes action against 3XD Limited for charging an administration fee under the CMA’s PPI Order
  • 29 November 2023
  • Correspondence
• CMA takes action against Barclays for breaching the PPI Order
  • 9 November 2022
  • Correspondence
• CMA letter to NewDay Ltd about 5 breaches of the PPI Order
  • 29 October 2021
  • Correspondence
• CMA letter to Lloyds Banking Group about a breach of the PPI Order
  • 9 September 2021
  • Correspondence
• CMA letter to Cardif Pinnacle about 2 breaches of the PPI Order
  • 25 February 2021
  • Correspondence
• CMA letter to Lloyds Banking Group about 3 breaches of the PPI Order
  • 3 February 2021
  • Correspondence
• CMA letter to Cardif Pinnacle about two breaches of the PPI Order
  • 29 September 2020
  • Correspondence
• CMA letter to Lloyds about 18 breaches of the PPI Order
  • 8 July 2020
  • Correspondence
• CMA letter to Nationwide about a breach of the PPI Order
  • 8 July 2020
  • Correspondence
• CMA letter to Paymentshield Ltd on PPI annual review statements
  • 6 September 2017
  • Correspondence
• CMA letter to Aviva on PPI annual review statements
  • 25 January 2017
  • Correspondence
• CMA letter to Santander on PPI annual review statements
  • 9 December 2016
  • Correspondence
• CMA letter to LBG on its non-compliance with the PPI Order
  • 25 January 2017
  • Correspondence
• Letter from the CMA to Barclays on PPI annual review statements
  • 28 April 2016
  • Correspondence

Northern Ireland PCA Banking Market Investigation Order 2008

• CMA letter to Nationwide on further breaches of the NI PCA Banking Order
  • 8 August 2019
  • Correspondence
• CMA letter to Nationwide on its breaches of the NI PCA Banking Order
  • 30 October 2018
  • Correspondence
• CMA letter to Danske Bank on breaches of the NI PCA Banking Order
  • 18 September 2018
  • Correspondence
• CMA letter to Ulster Bank on its breaches of the NI PCA Banking Order
  • 11 June 2018
  • Correspondence
• CMA letter to LBG on its breaches of the NI PCA Banking Order
  • 27 February 2017
  • Correspondence

Private Healthcare Market Investigation Order 2014

• CMA letter to the Phoenix Hospital Group following breaches of the Private Healthcare Order
  • 24 July 2023
  • Correspondence
• CMA letter to Fortius Clinic following breach of the Private Healthcare Order
  • 12 April 2023
  • Correspondence
• CMA letter to Ulster Independent Clinic following breach of the Private Healthcare Order
  • 12 April 2023
  • Correspondence
• CMA letter to the RNOH on its breach of Private Healthcare Order
  • 9 November 2018
  • Correspondence
• CMA Letter to The London Clinic about one breach of the Private Healthcare Order
  • 9 March 2022
  • Correspondence

Supply of Extended Warranties on Domestic Electrical Goods Order 2005 and 2012 Undertakings

• Letter to Argos
  • 26 March 2021
  • Correspondence
• Letter to Dixons Carphone (Currys PC World)
  • 5 November 2019
  • Correspondence

Groceries Market Investigation (Controlled Land) Order 2010

• Open letter to Morrisons about land agreements restricting competition
  • 6 December 2023
  • Correspondence
• Open letter to M&S about land agreements restricting competition
  • 6 December 2023
  • Correspondence
• Open letter to Asda about land agreements restricting competition
  • 13 June 2023
  • Correspondence
• Open letter to Sainsbury’s about land agreements restricting competition
  • 13 June 2023
  • Correspondence
• Open letter to Waitrose about land agreements restricting competition
  • 2 September 2022
  • Correspondence
• CMA letter to Tesco on breaches of the Groceries Controlled Land Order
  • 14 February 2020
  • Correspondence

Small and Medium sized Enterprises (SME) Banking Undertakings 2002

• CMA letter to Danske Bank on a second breach of the SME Banking Undertakings
  • 12 November 2021
  • Correspondence
• CMA letter to Danske Bank on a breach of the SME Banking Undertakings
  • 30 March 2021
  • Correspondence
• CMA letter to Clydesdale Bank Plc on a breach of the SME Banking Undertakings
  • 5 February 2021
  • Correspondence
• CMA letter to AIB NI on a breach of Directions given under the SME Banking Undertakings
  • 5 October 2020
  • Correspondence
• CMA letter to Lloyds on a breach of the SME Banking Undertakings
  • 8 September 2020
  • Correspondence

Private Motor Insurance Market Investigation Order 2015

• CMA letter to Tesco Bank about one breach of The Private Motor Insurance Order
  • 28 January 2022
  • Correspondence

Domestic Bulk Liquefied Petroleum Gas Market Investigation Order 2008

• CMA letter to Calor Gas Limited about breaches of the LPG Orders
  • 2 February 2024
  • Correspondence
• CMA Letter to BDS Fuels about breaches of the Domestic Bulk LPG Order
  • 24 May 2022
  • Correspondence

Published 9 December 2016
Last updated 2 February 2024 + show all updates

1. 2 February 2024

   CMA letter to Calor Gas Limited added.

2. 15 August 2023

   CMA letter to Co-Operative and Natwest published

3. 25 July 2023

   CMA letter to Nationwide, TSB and HSBC published

4. 13 June 2023

   Open letter to Asda and Sainsbury's published.

5. 9 November 2022

   Open letter to Barclays about PPI published

6. 22 June 2022

   CMA letter to Tarmac added to the page.

7. 9 November 2018

   Added Private Healthcare Market Investigation Order 2014 group.

8. 9 December 2016

   First published.