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For more on marking an answer as the "Best Answer", please visit our FAQ.They are irresoponsible becase, as you say, they play up the ease of obtaining a loan, without encouraging people to consider the need to make repayments.
People with CCJ's are often individuals who have defaulted on loans previously, so the concept of lending money to someone who has already been proven unwilling or unable to repay a debt is immoral, and should be stopped.
And then you;ve got Carol Vorderman as well .... I'll have to stop now, the image of her waffling has made one of my 'heads' come on ......
Don't get me started on Carol Vorderman! That gets to me as well, they picked her because shes highly intelligent and has a mathematics degree so giving out the impression she knows exactly what shes talking about, not saying she doesn't, but its still a load of bull! Good news though, I just read in Car Mechanics that Yes Car Credit have been folded up by their parent Provident Personal Finance, so they're out the game, which means thats at least one bloody irritating advert away!