Catalyst equity loan home Buy Scherm 2003

[Toshua]

I received help in 2003 to buy my home. I knew the loan was repayable if I sold. No my children are grown, I need to sell to clear all debts accumulated. However I have just read the small print on the catalyst annual statement that say I must payback an astronomical 25% of the current house value !! Which will be crippling.
I was not aware of this at the time the loan was given.

Is this lawful or allowed under UCTA or the Consumer Credit Act.

Secondly, the loan may be in my son's name who was 5 at the time. They have no record of me when I called them but have my sons recorded only?

Thanks

Tosh