III. Re-write the sentences. Use the passive. 20. Britain’s banks lent nearly £12 billion to successful applicants last year. Nearly £12 billion .................................................................. by Britain’s banks last year. 21. Unfortunately, banks let many people borrow more money than they can repay. Unfortunately, many people .................................................................. more money than they can repay. 22. Some banks lent people a sum that was more than their annual income. People.................................................................. that was more than their annual income. 23. They gave other loans to people who had no source of income. Other loans .................................................................. who had no source of income. 24. Consumer groups say that both banks and borrowers need to face the problem. Consumer groups say that the problem ........................................................................... by both banks and borrowers. 25. They argue that banks should not give loans to people who can’t afford them. They argue that loans .................................................................. who can’t afford them.