I took out a Unsecured Personal Loan with Halifax online in December 2011.
I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income.
This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer.
I am now wondering if bankruptcy is the best option.
Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?