We took our mortgage in 2000 (20 year mortgage) when we purchased our home and expecting to be paid off this year 2020, but still have a 40,000 balance on the mortgage. The mortgage was originally taken out with National Irish Bank, then transferred to Danske Bank and now with Pepper Asset, we are on a tracker mortgage. I contacted Pepper and they sent me a mortgage note from 2005 which I have no idea why this happened as we didn't take equity out of the mortgage and don't know why the loan would have been rewritten in 2005. We took out a separate loan for 30,000 in 2006 which is separate from this. I have contacted Pepper 4 times now looking for the original mortgage note from 2000 and they continue to send me the mortgage note from 2005. This 20 year mortgage has now turned into a 25 year mortgage adding years of interest to our mortgage and a lot more in interest payments to the Bank.