8 March 2019 stopped paying as offered moratorium stating monthly repayments 0.00
Is this in writing?
What does it actually say?
You seem to have formed a view that no interest would be charged. How did you form the view? Did you just imagine it? Did you just assume it? Did someone in ptsb say something to you that led you to believe that?
Did you sell the house as part of an agreement over legal proceedings or arrears? Were you in negative equity at the time?
If the following is correct, you could make this argument, but that is all it is - an argument. I doubt Pepper would agree but the Ombudsman might.
1) In March 2019, I agreed to sell the property (under pressure from ptsb).
2) They agreed a moratorium which I took to mean that no interest would be charged during the sale process.
3) Since March 2019, neither ptsb nor Pepper sent me a statement.
4)I didn't see the need for one myself as the balance was not changing as no interest was being charged and no payments were being made.
5) My solicitor requested a final figure and that matched the balance as of March 2019 and she discharged the mortgage accordingly.
6) Now Pepper is charging me interest since March 2019
This is unfair
1) ptsb never explained that interest would continue to be charged
2) Neither ptsb nor Pepper ever sent me a statement showing the interest being charged.
3) They gave my solicitor a final figure.
Try it and see how you get on.
A fair compromise might be half the interest.
Brendan