Lenders may also use your information for statistical analysis about credit, insurance and fraud. This may be done by them or by third parties contracted to do the work by them... This insures the lender against any costs incurred as a result of repossessing a property if you fall seriously into arrears... Using a credit card to buy things means that you do not have to pay right away... http://www.loans-company-uk.co.uk/loans
A few people mentioned some sort of ombudsman but no one mentioned anything as specific as the Financial Ombudsman Service or any of the trade associations... Others may offer loan to status borrowers but will in addition, and on different terms, offer second charge mortgages to borrowers with limited credit impairment... http://www.compare-loans-4-all.co.uk/loans