Hi. I have my PPR mortgage with Pepper, previously Danske and NIB. Over the years with Danske I made a number of ad hoc overpayments and these always reflected instantly on the balance. I have noticed, particularly after using their online platform for the first time ( was not aware of its existence until today) that they have two separate balances. One is the outstanding balance and the other is a higher (incorrect) principle balance. Would anyone know what I am being charged interest on and why have they two separate balances ? Wha is the purpose of the principle balance ? Any advice welcome.