1. Lending will be Reckless if a Creditor continues to advance you monies after you have defaulted under that agreement without the Creditor, at least, checking your debt repayment history against statements in respect of all your other credit agreements at that time.
2. The effect of a Reckless Lending agreement is that a Court may set aside your whole obligation to pay under that agreement.
3. The only ways to check whether the lending was Reckless or not is to defend the matter when action is instituted against you after you have stopped paying under the agreement.