Totally agree with @tristan’s comments.
Mainstream banks don’t talk about people with poor credit history or problem debt because the press immediately start screaming “Wonga” and “Payday lender”. And so not enough people are working to address it. That makes me incredibly angry and I’m fed up of avoiding the issued because of the risk of negative headlines.
We are going to work really, really hard to try to help people with poor credit scores and problem debt. We want to be part of the solution, not pretend it’s an issue that doesn’t exist. We might not get it right all the time, but we’ll work with our customers and improve. And we’d love your help getting there 