We re-financed with Wentworth in the early 90's. Tucked us up a treat! By the time everything had been sorted out and we went in to 'sign' the terms and conditions had all been changed from those originally stated and agreed by us. Because it had all taken such a long time (because of their inefficiency (or maybe it was deliberate - in hindsight I suspect it was), we had, unfortunately, we had no choice other than to sign... and because the terms and conditions weren't as originally agreed we eventually lost everything as we were not allowed to sell items individually. Had to be the entire portfolio and, in those days, this was not possible.