On 13 March, Alvereen Leonard approached three different credit providers and applied for credit. First, she approached Easy Loans and applied for a R5 000 loan to pay her outstanding utility bills. Next, she asked her mother for a loan of R2 000 to pay for her groceries. She agreed to repay this loan in 4 monthly instalments of R550. She then approached a second-hand car dealer, Cars at Cost, and purchased a R10 000 car on credit. She then went to ABC Loans for a loan of R20 000 to pay for her daughter's school fees. Financial assessments were only conducted at Cars at Cost and ABC Loans. Once the financial assessment was done at Cars at Cost, it showed that Alvereen would not be able to pay all of her debts. She did not include any information about the three former loans during the assessment that was done by ABC Loans. ABC Loans used a different credit bureau to that used by Cars at Cost. Alvereen was granted credit by all four providers. Subsequent to this, she started defaulting on her payments. With reference to the relevant provisions of the National Credit Act 34 of 2005, explain fully whether any of these agreements will be deemed reckless.