The Competition Appeals Tribunal (CAT) has upheld part of Barclays’ challenge of the Competition Commission’s findings on point of sale Payment Protection Insurance (PPI).

The judgment did not question the Competition Commission’s findings on the lack of competition in this market. The CC has proposed a package of remedies and the judgment affects one element of that package.

The appeal was upheld on one ground which relates to the Commission’s assessment of the remedy prohibiting the sale of PPI at the point of sale of credit. The Competition Commission has been asked to reconsider the loss of convenience for consumers of not being able to buy PPI at the same time as taking out credit.

It says will now study the judgment closely before deciding its next move.

Which? personal finance campaigns manager, Doug Taylor, said: “It’s disappointing that the point of sale ban can’t be enforced for now but the Tribunal has left the door open for one to be imposed in the future. The Competition Commission must now come back with a stronger case for a ban. This is just a reprieve for point of sale