Pre-paid Mortgage in advance now looking for moratorium

Looking for some advise / opinions.

I pre-paid on mortgage for almost 2 years so therefore am now in a better position than the Bank would have originally expected.

Now looking for a short-term moratorium for personal reasons but the Bank is taking months to respond to the request.

Any opinions. A friend mentioned given the pre-payments made it should not be an issue and I should quote Consumer Credit Act -- any ideas?

Thanks in advance

Which lender? PTSB have a formal arrangement where such prepayments can be used against future payments.

But there is no obligation on the lender to treat you any differently from a borrower who has not overpaid.

Brendan

What part of the Consumer Credit Act would you be quoting ?