This is one birthday party that no one wants to attend; it is just over a year ago now that most people in the U.K. were spiralled into the web of deceit that brought down banks and bankers alike. I remember commenting 2 years ago that something was afoot when Citi-Bank wrote to me, and told me that they were cutting my credit limit whilst blaming it onto me. I knew I hadn’t done anything wrong as I always used to pay my credit bills on time every month. 12 months later the world, never mind the U.K., woke up to find out the truth.
