Pepper services mortgage loans on behalf of a number of third parties that own the loans. While the owner may not be a regulated entity, Pepper is regulated by the Central Bank of Ireland to undertake credit servicing. We are aware that the current economic climate has affected many people’s financial situations. Unforeseen life events can also have an effect. If your financial situation has changed for any reason and you are struggling to pay your mortgage, please contact us as soon as possible. There are options available, and we are will work with you to find a solution.