For the most part, the banks, but the way they're being bailed out you'd think they're the victims.

They made loans to people who weren't capable of paying them, knowingly in most cases, rewarded their CEOs and now that their chickens are coming home to roost, they cry 'rescue me'.
Meanwhile, ordinary people can't even get a loan with a reasonable interest rate, websites like [URL="http://www.breadmarket.co.uk"]breadmarket[/URL] have seen an increase in traffic because people who used to qualify for normal loans now can only settle for bad credit loans.

Why hasn't there been any prosecution of any of these reckless dealings?

robbieg