I had to threaten them that I will refinance, show them an offer from PBB and only then do they agree to reduce. Lots of emails and faxes but hey, it's a lot of savings le!
Wow.. 7 years later and I am half a millionaire (if I sell my house, that is.. LOL)
Still.. I would urge all of you to write to your banks and get a reduction in interest rate. HUGE SAVINGS!