Well, I've just been informed that my unsecured loan for £77,000 has been approved with HSBC Southampton. Woohoo! £111,000 after interest...
When I was at the bank on Friday, I was advised that, from today (Wednesday 27th) the loan structure will be changing. They said that it didn't necessarily mean that the loan will no-longer be available, but that it may be that they further restrict the number of loans they provide (I know that before now they limited it to people living in the UK for the last 3 years), they may start performing a credit check (when I went on Friday they didn't do one of these, just a check of my spending habits), they may increase interest rates or, well, they might start asking for security. Are you completely certain that they are now not offering the unsecured loan full-stop?