We recognise that many lenders are now using a far more sensible set of lending criteria than before, but it is important that these common sense principles are hard-wired into the system to protect borrowers.
We want borrowers to feel confident that poor practices of the past, which led to hardship and anxiety, are not repeated.
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It will be a frosty Christmas morning across the UK but any chance of snow is limited to the Scottish mountains.
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Some dogs have been at the Battersea Dogs and Cats Home for more than a year. Can you make their Christmas and give them a new home?