I agree that we borrowed the money and should shoulder the blame, however obtaining credit over the last few years has been so easy these companies were literally throwing money at people, getting into serious debt had never been easier.
The bubble appears to have burst now, more and more people are in financial trouble, repossessions are rising dramatically, banks are getting into trouble due to irresponsible management, Northern Rock would have gone to the wall without the intervention of the British taxpayers, so now all of a sudden banks have had a serious wake up call and are starting to take a harder more sensible line.
This is probably a good thing, remove the temptation of easy money, result, less people in debt. [:D][:D][:D]
IVA COMPLETED ON THE 17th MARCH, FINAL I&E COMPLETED 26th APRIL, COMPLETION CERTIFICATE ARRIVED 2nd AUGUST