Government warned for 3 years lending changes would create issues

[Olive]

my bank is falling over its feet to give me money
but i have no mortgage or debt, that might be a factor.

I have no mortgage loan or debt, for decades have always paid my credit card balance in full when due, but about six months ago when I asked for a temporary increase in my credit card limit I was subjected to an extraordinarily intrusive interrogation.   First of all a phone conversation with someone who sounded about 15 and was reading from a script.   Then I had to send bank statements and tax records for the past year.  Then a further conversation in which I was accused of withholding information because "there is no record of your spending on clothes" ( I don't buy new clothes).   By that time I was so outraged that I just told her to forget it.

I completely understand that the legislation was aimed at protecting vulnerable people from predatory lenders, but it seems that either the banks have misinterpreted it or it was poorly written.