Ive sent off updated sfs to ptsb to see what they come back with. Hoping they will let me go back to near full payment. If this is case I'm sure I'll have no issues with dealing with Pepper in future?? Would i be correct. Ive never missed a payment since restructure and original had a small arrears on it so I restructured to get back on track. Also got my statement off ptsb today. It's offering fixed at 3.5%. Or MVR. Which is better option seeing as I'm being sold should I go fixed for some security.