1) You had an agreement to pay €900 from 2015 to April 2018. You paid this during that period, so no arrears occurred.
2) As soon as that agreement expired, they correctly put you on full capital and interest. You continued paying €900 , so the difference was arrears.
3) In April 2019 (?) you reached a new agreement. If that new agreement did not capitalise the arrears, they are still outstanding.
I presume your agreement did not capitalise the arrears? If not, this is correct. I was looking for all to be included so now must wait for the recordings as they knew what I was requesting and now hopefully this is on recordings.
In general, Irish lenders do not charge an additional interest or penalty on arrears.
Are you saying that Pepper has asked you to get your file from the previous lender? Yes they did and they also know there was no mention of when arrears would have to be paid if there was letgitamit arrears and they thought that was odd.
If they have advised you do this, then you should do so.
Brendan