Hi, We currently have a property we want to sell and are not in negative equity and have never missed a payment. The rate is .2 above the ecb. We wrote a letter to Pepper 12 months ago asking for a discount on settlement and got a letter saying no. There is approx 185000 left on the mortgage and payments are 720 per month. The property is worth 340000. We have bought another property and need the equity from the house to refurb new house and repay a loan so we must sell. Do you think it is worth rewriting another letter to Pepper, maybe asking for a refinance package or would there be a clause in that preventing us selling or could be ask again for an early settlement package? Thank you.