In our April Banking update, we commented upon the Civil Justice Counsel's (CJC) proposals for a new general pre-action protocol which would cover all claims not otherwise covered by an existing pre-action protocol. The CJC have now said that three quarters of the responses to the proposals were negative. They included responses such as the proposals for debt collection were not suitable, that the time limits given were over-prescriptive and impractical and that, importantly, there was insufficient evidence to show that paragraph 4 of the current practice direction on protocols that applies to such claims was inadequate or needed changing. The CJC has now decided not to recommend the introduction of such a protocol.