I had a mole on my chin .... it wasn't too unsightly but I had always hated it ....
I went to my GP who referred me to a specialist at East Grinstead (if you live in the South East that is the best place to go for any kind of cosmetic/plastic surgery apparently). I was told there was a 2 year waiting list and I reckoned that that wasn't too bad considering I had lived with the thing for 31 years. In the end, I had a consultation 8 months later and a date booked for 4 months after that (so the 2 year waiting list turned into 1). I was preparing to go in for a GA and would have a scar etc....
Anyway, in the meantime DH got a job offer in NZ and I had to cancel my op as we had to move before the date.
In NZ I went to see my new GP about it and she was fantastic. She removed it in her surgery under local. It was a raised mole so all it really needed was this amazing instrument that worked using radio waved and she basically 'shaved' it off. The added bonus was that I got it on our health insurance as she also removed a 'dodgy' mole (a funny freckle) thing on my leg ... In NZ you can't get moles removed on Health Ins if it is for cosmetic reasons, but only for health reasons. So she did both on the same day and put them both down as 'health'.
The point to this long winded story is that had I stayed in the UK I would have had a GA and stitches and a scar and in fact all I needed was this simple procedure that left me with a small graze for a few days and absolutely no sign of a scar at all ....
So ... look at all your options, talk to your GP, get referred but get a second opinion .... if your mole is a raised one it may only need a simple procedure ....
HTH and sorry for the long and boring post