text: "Force-selling credit to you for the purpose of putting you in debt for life?" Come on, that's away over the top. The agent was selling in order to hike his commission or fulfill a target, not to "put you in debt for life." 
  
  Consent is a central question here, as it is in other areas nearly as sensitive as cash. If the salesperson felt unable to to reach the assigned target, then "no" would have been the right answer -- not "force-selling" or (worse still) raising credit limits or moving customers to pricier accounts on the sly. These are the illegal actions of individual employees.  I doubt very much that TD promotes and condones institutionalized fraud. 
  
  Customers are responsible for consent too. Rather than being passively conned and sheared like sheep, the simple word "no" works wonders. Do try it.  
  
  The angry and alienated are always with us. It seems the CBC turned over some rocks and found a few. I guess they had targets to fulfill too. Shame on them for their muck-raking.