Who is the best loan player we never signed

To be fair Joe Hart did go on to win the Premier League? And for a period of time was one of the best keepers in the world.
 
Forgetting the lads who have gone on to have excellent careers in the top flight I can remember being gutted when Dylan Kerr signed for Reading for £75k. Also thought we might have got Jason Kearton who was excellent for us
 
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