RTN11; the tone of your last post suggests you are surprised that banks aren't interested? You think the OP has been walking into local branches naked asking for a 25k loan to get his body covered in racist tattoos or something? Seriously, it's not hard to believe that he's struggling to find a bank interested in lending that amount unsecured. As I've said before, £27k might as well be £100k if you can't lay your hands on it.