We work actively with our lender clients to deliver legal solutions with quality of service. Our staff are experienced at dealing with both routine and complex legal issues and combined with our highly developed systems, we are able to deliver tailored management information reporting and give clients remote access to view progress of their cases, via our secure case tracking facility. Our systems are designed to be flexible to ensure that the flow of information assists lenders' reporting and forecasting requirements.
We can offer a range of legal services to lenders - from collection of arrears to more comprehensive arrears management, including repossession litigation through to sales and mortgage shortfall recovery. We recognise the value to our lender clients of taking a pro-active approach to resolution of legal problems with their mortgage security.
Our aim is to apply our skills and experience to help lenders effectively manage best performance of their mortgage portfolios - in this way we add value.
We have developed our range of services including estate management to help lenders offer added benefit to their customers to reinforce customer retention.
Recoveries
We can reduce our lender clients’ management time, costs and overheads by offering a complete service from collections and arrears management through to possession, sale and loss recovery.
Mortgage arrears
We will work with your customers to bring arrears under control by creating realistic payment plans on your behalf with a view to avoiding litigation or repossession.
Unregistered or defective charges make it difficult for a lender to collect payments or take possession of a property. We will take decisive action to ensure that title flaws do not inhibit your ability to enforce your charge.
Repossession litigation
We offer a complete solution dealing with the account from arrears to repossession and eviction, or where preferred, will support your internal recoveries team by way of overflow or on more complicated matters. We have depth of experience in relation to defended or complex repossession proceedings and ancillary situations, for example any proceedings issued following the appointment of an LPA receiver on Buy to Let properties. We will always seek to maximise your position and loss recovery through negotiation or litigation as appropriate.
Sale
Repossession sales
We will maximise the return on a sale for our lender clients through speed and efficiency of service. We will help to minimise your loss provisioning by dealing with repossession sales security queries early on which can save time and money. After completion we offer an ongoing service to quickly distribute any surplus funds.
All the staff in our team are either legally qualified or come from a lending or finance background.
Title rectification
We will pre-empt title problems with a view to avoiding delay on sale or reduction in value of your security. Failed registration, dematerialisation and a shift away from full title investigation towards indemnity insurance can affect the integrity of the title to a property and compromise your security. We will take appropriate action to remedy such defects and protect your position.
Mortgage shortfall recovery
In the current climate a mortgagee sale will not necessarily clear the mortgage debt in full. The borrower may have other assets against which the remaining debt can be secured. We will work to swiftly identify and execute realistic solutions to recover any shortfall.
New Lending
Remortgages
We can help you to achieve your lending targets and enable you to keep track of funds allocation with our bespoke case management and tracking system, tailored to your requirements, which balances a drive towards speedy completion with quality of service and meeting your customers’ needs. Our well qualified, motivated workforce brings with it scalability to guarantee optimum service delivery at all times.
Second charge
Technical knowledge and expertise is employed by our team to facilitate an effective service to include issue, completion and registration of the appropriate legal documentation to secure your charge.
Title certification for non panel conveyancers
We will support your risk management policy and act for you where panel restriction means that a particular firm of solicitors does not meet your panel membership requirements. We will verify the integrity of the work completed by the borrower’s solicitors and certify title for funds release.
Residential conveyancing
We offer a quality experience to customers who are dealing with their most important and greatest asset – their home. By working to the highest standard with experienced and well qualified staff we manage an internet based service with a dedicated and personal feel.
Other Services
Estate Administration
We offer a comprehensive probate service on a highly competitive fixed price basis which is designed to ensure that an estate is wound up quickly and efficiently and distributions made to the relevant beneficiaries as soon as practicable. We are very conscious that probate is frequently, and often unnecessarily, a long drawn-out and expensive process but our highly sophisticated software enables us to reduce both time and cost to meet our clients' needs.
Training
We offer a full training facility for your staff and suppliers. We will attend your offices and run workshops with your in-house teams on the legal process and procedures to assist you in improving operational efficiency and engender a full understanding of our respective roles.
Staff services
We will be pleased to discuss with you a dedicated service at a special rate for your staff in relation to residential conveyancing, remortgages, wills and probate.