Whether the loan is Unsecured or not, I will think you will find the bank can do a lot.
That said, if you talk to them they will be more accommodating.
If you default on a loan, credit card etc and do nothing about it, you will find a county court judgement against you, followed by a trip from the bailiff's, even a bankruptcy order. not very nice.
Have a talk to the bank, you both should be able to work something out.
