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Banks have become embroiled in the row over reckless car loans after mass-mailing customers to convince them to buy luxury vehicles.

Customers of Lloyds Banking Group – which also includes Halifax and Bank of Scotland – have received personalised letters offering them long-term monthly loan deals so they can buy new cars.

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Their account balance, income and expenditure were assessed by the bank without their knowledge to see which models they could buy.

The letters claimed high-end vehicles were ‘just a few clicks away’, offered deals for cars including BMWs and said loans of up to £60,000 can be approved without a credit check.

The letter, addressed personally, reads: ‘Nothing beats getting the car you want, does it [customer’s name]? That’s what our online car finance can offer you.’The customer, who asked not to be named, told the Mail: ‘Lloyds are encouraging people to spend, even overspend, at a time when finance all over the country is supposed to be tight and debt is a huge issue.‘Why are Lloyds, who were bailed out with public money, encouraging people to take on more debt? The bank is feeding off people’s sense of consumerist envy.Gawker ran a story saying that while explaining the various new tools created by Google, Mr Laporte moved frequently between a video shot of his face and a screen shot of his computer so that he could show viewers exactly what he was talking about.His various online profiles do not help to clear up the story on his romantic status either: his Wikipedia page and personal website say that he and Jennifer are still married, while his Google account simply lists him as 'in a relationship' which he clearly chose instead of 'married'.Last night, politicians and campaigners accused Lloyds of behaving like a payday lender and called on banks to stop sending such letters.Experts fear that irresponsible lending in the car finance industry is leading to increasing numbers of people defaulting, which could cause another credit crunch.

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