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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.Even though tipping is not required, users can show their appreciation for a model's show by sending them tips.Models usually will not respond to members who make special requests without tipping.

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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’.

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