and Bank of Scotland are not the same...

probably are not the same either!! One is an adjective, the other's an adverb. Given that this story has nothing to do with the US, you can't even cite American grammar.

And yes, RBS might be a bit miffed to be associated with the story if it is in fact HBOS that produced the figures.

Does this so-called credit crunch mean we'll finally stop getting millions of credit card offers, mortgage offers and just about every other type of credit offer in the post?

Because if there is such a thing as a credit crunch, someone apparently forgot to tell the people that dish out credit.