Bank loans – easy to get?

I’ve just opened a letter from my bank inviting me to take out a loan for £20 000 for what I laughingly call ‘my business’.

I don’t need it and I don’t want it.

What concerns me is that if a major high street bank – Barclays in this case – can lend me that amount there really would appear to be no shortage of credit.

But there is a shortage of credit.

So what the fuck’s going on ‘out there’?

Is Barclay’s a little more generous with credit?

Beats the shit out of me.

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