Mr. James Byrne:

I am waiting for the refusal letter. I engaged MABS because I could see this going one way. I want to say that I am not in arrears. I am not in any trouble. I am not defaulting with Pepper. However, one can see what is coming down the track. I am not an expert, so I engaged with MABS, and even the person who sent the letter on my behalf said Pepper would be mad not to take this. It is getting its money and running. I am waiting for the rejection letter.