Hi Thought I would also add to this. I had an EPF loan in 2003-2005. Paid off early, and remember a huge battle as they forced me to pay £6000 extra for the PPI. Anyhow, I did try to claim on it but was refused as they said my wife was not convered...despite this being told when we applied that it would be, so we did not claim, hence remortgage to pay off. I do not have any documentation however can do an SAR and get it from EPF. Would you think it worth my while or not? As said, I was told I could not get the loan without PPI and we even paid a higher premium to cover my wife's bladder disease...but later down line when tried to use it, were told she was not covered. Would an SAR still work as not had dealings with them since 2005? Thanks