In this country anyone can get credit no matter what your history, it just costs a bit more if you're a naughty lender. i get offered more money than i want. last time i enquired about a 5k loan they said "why not get 20k so you can get the special reduced interest rate, you're already approved for that much." This country must have the most irresponsible lenders in the universe.
Even worse, I have a friend who works from home, his job is easy, he pays £100 for a list of 100 names and numbers of people who've been recently refused credit. he then rings them and offers them guaranteeed credit at crazy interest rates. its big business, i couldnt sleep at night doing things like that, poeple lose thier homes when they cant pay, but in his own words "if they can't pay its their fault not mine" and he's right, but there needs to be more control to force lenders to be responsible.