Hi, we have 2 mortgages on our home. 1 is €170,000 and second is €50000. Husband lost his job in 2013 and we restructured into a split mortgage. 2 years ago we notified PTSB we were wanted to leave the split mortgage and filled out the financial statement. They insisted 15000 stayed in the warehouse account which is so small we could'nt figure out why. However, 2 months later we received a letter stating our mortgage was being sold to Pepper. We are now up for a financial review and want to approach Pepper about a possible interest rate reduction and consolidating both mortgages and getting in with paying them off. Should we approach a financial advisor, accountant, a solicitor or even Pepper themselves about negotiating a deal? Any advice appreciated.