Together Personal Finance Conveyancing Panel Information

The information on this page is designed to keep solicitors and licensed conveyancers abreast of latest requirements changes by Together Personal Finance and to assist in remaining on the Together Personal Finance Conveyancing Panel.

Together Personal Finance Solicitor Panel: Recently Asked Questions

I am on the Together Personal Finance conveyancing panel. Can I get an archived copy of a Together Personal Finance Part 2 from the CML?
The CML do not maintain duplicates of the Part 2's Pre January 2011. The CML recommend you make a request of Together Personal Finance directly.

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Can a firm submit a complaint to the CML about being suspended from the Together Personal Finance conveyancing panel?
The Council of Mortgage Lenders is an association rather than a regulator and therefore cannot advise on complaints against lenders. You can of course contact Lexsure to see if we can assist.
Does the fact that my firm subscribes to LENDERmonitor Alerts assist in my application to join the Together Personal Finance conveyancing panel?
The requirements to join the Together Personal Finance conveyancing panel is likely to be fairly detailed and is unlikely to include signing up to LENDERmonitor alerts.
Given my firm’s membership on the Together Personal Finance conveyancing panel how long am I obliged to retain the complete conveyancing file?
The CML Part II requirements of Together Personal Finance are silent on this. Most lenders address the question of file retention via their Terms and Conditions 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 Together Personal Finance’s interest. To be absolutely sure of Together Personal Finance requirements in this regard please check the Terms and Conditions of Together Personal Finance’s conveyancing panel acceptance.
We are acting for a seller of a property and we have just received an email from the buyers solicitors who are not on the Together Personal Finance conveyancing panel requesting that we undertake to send certain post-completion documents to a law firm on the approved solicitor list for Together Personal Finance. We have not come accross this before. Do we give the undertaking?
You will be aware of the trend in recent years for lenders such as Together Personal Finance to take a much more pro-active approach in relation to the management and make up of their conveyancer panels. The knock on effect of this is that it is more likely that there will be a higher number of cases where a conveyancer is not on the Together Personal Finance panel. The situation that you find yourself in is where your client’s purchaser has his/her own lawyer and Together Personal Finance have appointed a separate lawyer to act on their behalf where the new CML Part 3 requirements apply. Section 11.1 of the UK Finance Lenders’ Handbook Part 3 requires Together Personal Finance’s panel solicitor to ‘ ...transfer the mortgage advance directly to the Seller’s conveyancer. The Seller’s conveyancer must be required to hold the mortgage advance on the terms of the required undertaking. The example borrower’s conveyancer’s undertaking letter includes a specific example of the seller’s undertaking’. You should expect to be advised to received the mortgage advance directly from the conveyancing solicitors for Together Personal Finance. You will no doubt be required to undertake directly to Together Personal Finance’s solicitors to discharge any charges secured on the property and to send directly to them the executed transfer and any other documents required to enable us to effect registration. Please remember to carefully consider undertakings in accordance with your firm’s protocol and record them in your undertakings logg. Please remember that as well as this breach of this undertaking having regulatory and compliance implications it’s breach could also result in your firm being removed off the Together Personal Finance conveyancing panel.
My firm has just been advised that it’s Together Personal Finance panel membership terminated but we have not yet been given a reason as to why. I am completing a CQS application questionnaire what details should I report?
In the circumstances please explain on the form what steps you have taken to find out the reasons behind cancellation of your Together Personal Finance panel status. In particular please provide details if you have received communications from the lender. E.G. before revocation of your panel membership did you receive any letters or calls from the lender informing you as to why they reached this decision?
Our practice is on the Together Personal Finance conveyancing panel and scheduled to complete a remortgage shortly. I can not locate a Legal Charge for the client to execute. Who do I contact at Together Personal Finance to obtain duplicate documents?
You should get in touch with Together Personal Finance to obtain standard documents. The The Council of Mortgage Lenders Handbook includes an express question for banks to establish who to contact to obtain standard documents. Together Personal Finance in their Part 2’s state:
It helps to quote the firm’s Together Personal Finance conveyancing panel number.

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Average number of days to register title including a charge in favour of Together Personal Finance
This information relates to purchase only and not remortgages.
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2022 [no data]
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* Data aggregated from sources including COMPLETIONmonitor