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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.Why do they assume that I think driving a BMW is the be-all and end-all? That’s not the kind of service I want from my bank.’As the customer already holds an account with the bank, credit checks would not have been required had she decided to take on the car loan.

With security problems and recently going public as a company, Facebook has been all over the news.However, Lloyds insists that customers still have to go through ‘in-depth affordability assessments’.British households borrowed a record £31.6 billion to buy cars last year, leading to fears of irresponsible lending.Undercover reporters exposed car salesmen offering long-term finance deals to customers who said they were unemployed, working part-time or on low incomes.Lloyds sent the car loan offers to customers across the country in July.

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She added: ‘The lights are flashing red with car finance and we have to take notice.