British financial institution Pounds to Pocket has gotten into trouble with The Advertising Standards Authority for sending an email that promoted irresponsible money
borrowing. The happy birthday email encouraged recipients to apply for a loan to celebrate their birthday "worry-free" and even offered a 20 percent bonus on the first payment for anyone that
applied the day they received the email. The ASA criticized the email saying that taking out a loan required thoughtful consideration and therefore offering a
promotion on quick actions was irresponsible of the lender.