Pepper Money (UK) Conveyancing Panel Information

The information on this page is designed to keep solicitors and licensed conveyancers abreast of latest requirements changes by Pepper Money (UK) and to assist in remaining on the Pepper Money (UK) Conveyancing Panel.

Pepper Money (UK) Solicitor Panel: Recently Asked Questions

Can my firm make a complaint to the Council of Mortgage Lenders about being removed from the Pepper Money (UK) conveyancing panel?
The CML is an association rather than a regulator and therefore will not advise on grievances against lenders. You can of course contact Lexsure to see if we can help.

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Do Pepper Money (UK) or the Council of Mortgage Lenders run CPD seminars for the Pepper Money (UK) approved conveyancing panel in much the same way that the Law Society run cases for CQS firms?
No such training is arranged by the CML although they do organise a number of useful legal related conferences which are attended by firms on the Pepper Money (UK) conveyancing panel. It is our intention to run specific lender focused seminars in the coming months including a webinar on Pepper Money (UK)’s Part 2 obligations. Practitioners on the Pepper Money (UK) conveyancing panel are welcome. Further details will be made available as part of the LENDERmonitor Alerts.
Is it true that the Law Society has recommended that firms check their status on the Pepper Money (UK) conveyancing panel?
The Law Society of Scotland has suggested that solicitors should check their lender panel status prior to accepting client instructions to act. The advice is lender-agnostic as it does not relate specifically to solicitors on the Pepper Money (UK) conveyancing panel. The suggestion arises from the practice of a number of mortgage lenders who remove solicitors from their panels without prior notice as part of their panel management system, which can lead to some solicitors discovering this only once instructed. This is sensible advice as a client finding out midway through a transaction that their lawyer is not on the approved lender panel is very frustrating and can lead to complaints. Many online consumer forums contain posts where someone is complaining about finding that their lawyer is not on a lender conveyancing panel. Such forums include mumsnet.com
A long standing client of my firm is buying a property for £750k in Liverpool with a mortgage over GBP 450,000. I am on the Pepper Money (UK) conveyancing panel but do Pepper Money (UK) have a separate approved panel when the advance is above 400,000?
Lexsure only know of two or three banks that operate a separate approved solicitors panel where the mortgage advance is over a certain threshold. You should nevertheless check directly with Pepper Money (UK). At one stage HSBC would only allow Sole practitioners to act for them where the mortgage was below £150,000. We are not sure if HSBC still operate such a condition. In your case it is best to check with Pepper Money (UK)
Being on the Pepper Money (UK) conveyancing panel how long am I expected to keep hold of the original conveyancing file?
The Council of Mortgage Lender requirements of Pepper Money (UK) are silent on this. Most lenders deal with the issue of file retention via their Terms of panel appointment where they generally provide that for evidential purposes, the firm must keep the file for at least of 6 years from the date of the mortgage. Data imagining is normally suitable compliance with this requirement. Many lenders point out in that it is the practice of some fraudsters to demand the conveyancing file on completion in order to destroy evidence that may later be used against them. It is therefore important to retain these documents to protect Pepper Money (UK)’s interest. To be absolutely sure of Pepper Money (UK) requirements in this regard please check the Terms and Conditions of Pepper Money (UK)’s conveyancing panel membership.
If my application is successful will CQS acceptance guarantee my firm’s acceptance on to lenders conveyancing panels?
CQS accreditation gives no guarantee to lender panel acceptance. Nevertheless the CML have indicated that it is likely to become a prerequisite for firms wishing to remain on their approved list of firms. A number of Lenders now use the Conveyancing Quality Scheme accreditation as the starting point for Panel membership as is the case with HSBC.
I am on the Pepper Money (UK) conveyancing panel and due to complete a purchase shortly. My papers do not include a Mortgage Deed for the client to execute. Who do I contact at Pepper Money (UK) to get a duplicate Deed?
You need to contact Pepper Money (UK) to obtain standard documents. The The Council of Mortgage Lenders Handbook has an explicit section for lenders to reveal who to contact to obtain standard documents. Please remember to quote your Pepper Money (UK) solicitors panel reference.

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Average number of days to register title including a charge in favour of Pepper Money (UK)
This information relates to purchase only and not remortgages.
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* Data aggregated from sources including COMPLETIONmonitor