It really is not what
JS says. Some of it is quite right and yes unsecured loans were easily available 8-10 years ago. NatWest matched HSBC offer if you asked.
No, it is the way he says it. The arrogance and rudeness is incredible. Opinion is fine and is personal but every thread he contributes to ends the same way - in a tirade of bitter and angry comments.
You were lucky. You could have come out of Oxford and taken a path to XL. Maybe after 5 years you could have found yourself redundant for the 3rd time and then spent years in a sandpit. You do say luck is involved. Never a truer word spoke. So bloody well lay off those whose coin landed on the other side.
JS - you have made your position so clear so many times. Time now for you to toddle off to your better place with your superior brain and leave us half brains alone. We are sick now of being lectured by you. You might just find that your attitude will cause you problems further down the line.