What was the Funding for Lending Scheme?

-2008 saw Lending from Banks falling. This [2012 July] had Bank of England giving Money to Banks below Market Rates. This meant Cheap Loans -Scheme closed for Household Lending, when the Housing Market was Fine, and more bias to Small, Medium Firms -Success is Questioned. Mortgages % Rates and Usage Increased, but little Benefit to Economy. No Scheme however —> Worse Situation