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i november 1991 anmodede kommissionens tidligere tjeneste for forbrugerpolitik leyden institute of law and public policy om under ledelse af professor nick huls at foretage en undersøgelse af "overindebtedness of consumers in the ec member states: facts and search for solutions".
in november 1991, the leiden institute of law and public policy was asked by the former consumer policy department of the commission to draw up a study on overindebtedness of consumers in the ec member states: facts and search for solutions under the direction of professor nick huls.