The Competition and Market Authority found some care homes applied large upfront costs, and charged families for weeks after their relatives had died. The watchdog also highlighted how those paying for themselves were charged an average of 40% more than council-funded residents - effectively paying a multi-million pound subsidy every year to keep the ailing £16bn sector afloat. It said another £1bn of government money was needed to create a fair and properly-funded system. Also highlighted were an inadequate complaints system, making it difficult for families to raise concerns; unclear terms and conditions; fees being raised after residents moved in; insufficient support at a national level to help families navigate their way round the system; and people being unfairly banned from visiting.