Read this today, and guess it sums up a lot of the downside (poor lending to even low risk borrowers, despite massive gaps between the rate banks get credit and what they loan at, and still are reluctant despite such potential huge profits to be made) A timid step in the right direction - FT.com
And at Mrs Arquebus' call centre.......just over the minimum wage as well.....do they get rises? Do they heck. AL
