Le Moor you're right. Besides I work in the financial sector and deal with many lenders both prime and sub-prime. I can tell you guys first hand that when BDMs come into the office to give their sales pitch they all tell us ways to get forms filled out where they will turn a blind eye to certain info obviously missing.

They are more interested in telling us how to get around their criteria in order to make a successful application which means commission/bonus for them and money for the lenders than TCF or anything else. Now things have come back to bite them in the ass and instead of the FSA regulating the big boys systematically they pick on the small-medium businesses to show that they are "doing their regulatory work so well" ??? Yet Northern Rock ended up how it is now. Abbey lending up to 5 times income; other lenders will lend you money without having a minimum income criteria or even a minimum time in employment. Self-cert - lol don't get me started on that....