I went to HSBC a while back and they said they wouldn't lend me the money on a Prof Studies Loan because it is about 5 years since I left Uni - the f**king idiots didn't even know their own product range - kept refering to their "manual"!!!!!!
Wouldn't touch 'em with a barge pole.
When I argued the case the chap I saw he said he had checked with his "Central Lending Unit" and I didn't qualify.
PFO