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Pepper Money Solicitor Panel: Recently Asked Questions
Are the CML planning on creating a searchable register search tool with a view
to list firms on the
Pepper Money conveyancing panel?
Lexsure has not been advised of any intention on the part of the CML to develop such a register.
Does my firm face being suspended off the
Pepper Money conveyancing panel if I have not sent the TID on a purchase within a certain period of completion?
One might ordinarily expect
Pepper Money via their Part Two obligations to address this but the Handbook makes no mention on deadlines to send deeds. You need to look at the Terms of
Pepper Money’s Conveyancing Panel Appointment that you are bound by. For many lender's these Terms have a provision along the following lines:
‘To keep us informed of the reasons for any delay in your being able to send the title deeds and documents we require to us within 3 months of completion or evidence of proof of registration within that period. (We will send reminders if the deeds have not been received but will not acknowledge receipt of deeds’ It is imperative to keep
Pepper Money informed.
Law firms can often compound their problems by not communicating with the lender when there is a delay or problem.
My firm is on the
Pepper Money conveyancing panel. I am dealing with
Pepper Money mortgage on a purchase. My borrower client is asking not to disclose an issue to
Pepper Money. What do I do in this conflict situation?
When a solicitor is acting for both
Pepper Money and borrower there is potential for conflicts
to arise. You owe duties to both clients. All information received by
you from your client is confidential and cannot be disclosed without
the client’s consent. In the situation you find yourself in if the
purchaser will not consent to the information being passed on to the
lender the solicitor must cease to act for the Pepper Money
and it may well be prudent you to cease to act for the purchaser as
well. You can not tell the Pepper Money the reason for
termination of the retainer over and above the fact that a conflict
has arisen. The fact that you can no longer act should alert even the
most somnambulistic of lenders that something is wrong with the
borrower and/or purchase. The fact that you have disinstructed
yourself should not affect your Pepper Money conveyancing
panel status.
I read the occasional LENDERmonitor alert but I seldom see significant changes. For instance, Fortunately my practice on the
Pepper Money conveyancing panel and receive a notification only advising of a change of address. Why is that of any relevance?
Yes it does matter because sending a communication or deeds to the wrong address can cause delays that might not only affect your borrower client but also affect your ability to remain on the
Pepper Money solicitor panel. Lets say that Pepper Money change their requirements as to where their panel firm send the deeds.
Do you update the details in your CMS? Do you make a note? Is this information passed on to secretaries and assistants? By virtue of your COT Pepper Money you are giving assurances that you will forward the relevant documents within 10 days of receiving the TID. Putting to one side the academic question as to whether you are technically breaching an undertaking in sending it to the wrong address, you run the risk of
Pepper Money suspending you off the panel because they are not receiving the deeds in accordance with the COT. It will not be a valid excuse to say that you sent it to an out of date postal address or DX details.
I am a sole practitioner firm on the Pepper Money conveyancing panel. How can we advertise our practice as conducting conveyancing in Hendon who can act for the borrower and Pepper Money?
15 people attempt to locate a property lawyer on the Pepper Money panel every 4 weeks in Hendon. The lenderpanel directory service team who will show you how your firm can be found by those searching for conveyancing in Hendon.
St Giles’ PII renewal form questions if my practice had been removed off any bank panels in the last 12 months.
I recently found out that the practice is no longer on the
Pepper Money conveyancing panel? Will that effect my insurance?
The best placed professionals to answer this question are your insurance brokers.
The chances are that on the basis that you have not been removed for
fraud or negligence reasons that there will be little or no
impact. The main reason why a firm would be removed off of a lender
panel is due to low volume of conveyancing cases although there may be
a number of criteria for Pepper Money solicitor panel
membership. Please remember that it is always important that you
complete your insurance forms accurately.
I am on the
Pepper Money
conveyancing panel and scheduled to complete a remortgage shortly. My papers do not include a Legal Charge for the client to execute.
Who do I contact at Pepper Money to get a duplicate Deed?
You should communicate with Pepper Money
to obtain standard documents. The The Council of Mortgage Lenders Handbook includes an express question for banks to cite who to contact to obtain standard documents.
Pepper Money in their Part 2’s state:
Don’t forget to quote your Pepper Money solicitors panel reference.
Find a Lawyer on the Pepper Money Conveyancing Panel
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Average number of days to register title including a charge in favour of Pepper Money
This information relates to purchase only and not remortgages.
| Year | Days* |
|---|---|
| 2025 | [no data] |
| 2024 | [no data] |
| 2023 | [no data] |
| 2022 | [no data] |
| 2021 | [no data] |
| 2020 | [no data] |
* Data aggregated from sources including COMPLETIONmonitor
Other related topics:
- CQS policy templates and procedures for accredited Pepper Money Firms
- Draft Report on Title precedent for Pepper Money borrowers
- Draft Anti Money Laundering PolicyTemplate for Pepper Money panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the Pepper Money lender panel
- Buy-to-Let help for Pepper Money
- Consent-to-Let help for Pepper Money
- Contractor Mortgages with Pepper Money
