Oh - an WQ - ingo, please quit advising wannabes based on the fact you only decided two months ago to sign up with Oxford because they could sort you out a loan which you couldn't arrange yourself.
You are the credit crunch personified. Spending money on loan simply because its available based on nothing more than blind hope. You don't have a 125% Northern Rock - Together mortgage as well do you?
THIS is how large FTO'f afford free coffee, glossy brochures and receptionists.
WWW