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One letter posted to a Lloyds Bank current account holder stated that she was eligible to borrow £18,500, which would pay for a new BMW 3 Series saloon.

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.

However, Lloyds insists that customers still have to go through ‘in-depth affordability assessments’.

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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