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Here’s a little interesting piece of research conducted by home insurance company Liverpool Victoria. They’ve discovered that; due to mass unemployment, the British Public will spend an estimated £132 million this Christmas on ‘black market’ goods. It’s a fascinating insight into consumer behaviour in times of hardship and will no doubt leave legitimate retailers feeling rather bitter.

Now, some of you may be asking ‘what does this have to do with PPI claims and refunds?’ and the answer is: ‘absolutely nothing’, but you’ve got to admit – it’s an interesting point. Of course, the large scale unemployment means that banks and policy providers are currently covering more repayments than ever before, which in itself will be a welcome Christmas present for many.

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