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INT Louisa Gowens (in debt on her credit card) interview SOT - human side means nothing to them - as long as they get repayments on time Shane O'Riordan (General Manager, HBOS Bank) interview SOT - credit has been democratised in this country, that is good thing/ when handled wisely credit is enabling factor which allows people to lead better quality lives Anthony Elliott (former Abbey director and CSFI report author) interview SOT - lenders used to be viewed as doctors/ you used to go to doctor, he would know what you needed, prescribe the appropriate drug and he would know how it interracted with other drugs/ now bankers are more like bartenders, serving drinks to people who've already had too much to drink INT LMS & CMS Louisa Gowens looking in shop window (seen thru window) EXT GV Shop window BV Louisa walking away INT Louisa Gowens interview SOT - I'd never had credit before/ once quickly turned to two, then into trap, moving it around/ in end had consolidation loans on top/ have to live off credit in end because nothing left from wages/ I rang them and said I had problems and asked for help/ they said ' you've run up debt you have to deal with it' EXT Louisa sitting in cafe (seen thru window) INT Louisa Gowens interview SOT - I was naive but halfway through when I had no money left, with somebody there should have been alarm bells ringing but never was EXT Seq Anthony Elliott walking along street (3 shots) INT Anthony Elliott (former Abbey director and CSFI report author) interview SOT - there are cases where lenders are adopting standard industry practice but that practice could not be regarded as responsible/ if someone is making minimum payment on their credit card for relatively short period of time it is unlikely the credit card company will increase their limit at that point/ may be no review into what other borrowing that person has - they may already be in too much debt/ person is likely to use that credit car...