I have had dealings with Pepper and they’re absolutely dreadful to deal with! Beggars belief how they conduct business!! Laughable actually! Certain departments can’t make calls or take calls! And this is what you’re told when you call to speak to someone who’s sent you a signed letter! In my day when someone sent you a letter and you called that company! You got to speak with that person!! Requested statements at one stage and was told they had to be done manually