I too have received a letter last week from EPF stating that my secure loan with them has been sold and due to the way I have been treat over the last 8 years by EPF I am terrified to find out what this new company will be like. I genuinely believe I was mis-sold this loan (second mortgage) for example I was sold the loan over the phone in the back of my friends car; documentation arrived completed with only yellow post-it notes attached indicating where I had to sign. PPI was added without my knowledge. The APR I believed was set at 9.52% for the length of the loan, however this escalated to over 11% during 2008. Since January 2005 I have paid every month (although sometimes a little late) and yet the total that I borrowed £25,000 is still owed? I was not working full time when I took the loan, I was a single parent and the repayment period will not end until after I retire. I feel there is no way out of this nightmare, if my payment has been late even by 1 day EPF have rang me at work, left threatening messages on my answer machine and sent me endless letters (4 per week). Since taken the loan I have been unemployed on several occasions, I have rang the company in advance (often in tears) in the hope they would allow me to reduce my payments until I gain employment but the company has been very unhelpful and immediately have threatened with reprocessing my property. Since taken this unregulated mortgage it has had a massive impact on my health, as I really do not feel there is anyway out of this situation. I would be grateful for any advise received.