Ms Dorothea Dowling:

There is another issue regarding the payment by instalments. In my view, that is a credit arrangement and should be compliant with European Union and national law on consumer credit such that one gets to see how much is the annual percentage rate, APR, and how much extra one is paying. I am a chartered insurer but for many people, they get documents stating they do not need to do anything if they wish to continue and they think that is great. However, were people to see a large interest rate APR, it would be a different issue.