Hi, I recently redeemed my mortgage with Pepper Finance (originally an ACC loan, sold to RaboBank and ultimately Pepper). They refused to return the title docs. directly to myself, insisting that I had to nominate a Solicitor on my behalf. I eventually beat them down on this and was given an email address to contact their Solicitors directly! They want €448 to return the docs. to me. (€150 for handling the docs. €200 to prepare the vacate which I don’t think they’re even going to register, VAT plus €25 postage!!! Anyone have any experience of this? Sounds ludicrous.