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We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.

Keeping Your Money Safe

How to report suspected fraud and tips for keeping your money safe.

What do I do if I think there is fraud on my account.

To report fraud or suspicion of fraud please call us as soon as you can on 03333 701 102. Our lines are open from 9 am to 6 pm, Monday to Friday. One of our team will investigate it for you.

Should I share documents with my information on it with you or my broker?

We may need specific items as part of your application. But we’ll always notify you of these, so you or your broker know it comes from Pepper Money.

Our Tips for keeping your money safe

  • Never disclose your PIN, passwords, security codes, or one-time passcodes to anyone. A legitimate bank or lender will never ask for these.
  • Never move your money to a “safe account”. It’s not something banks, lenders, or law enforcement will ask you to do.
  • Stop and think. Does that sound too good to be true? Always take time to think about the risks of fraud.
  • If someone calls you and claims to be from the bank, challenge it. Just because they tell you they are doesn’t mean they are. Caller IDs, emails, and texts can easily be faked. If in doubt, hang up and call them back using the number on a recent statement.

Watch out for phishing scams. Our checklist below can help you avoid falling foul

  • Check before you click. Look out for any emails, phone calls, or SMS messages you think are suspicious, especially when payments are involved.
  • Avoid oversharing on social media. You should avoid posting about any purchases you’re on the verge of making on social media. This could alert fraudsters who track social media activity.
  • Stay alert. As part of the application, always check if the case handler has sent any payment requests before transferring funds.
  • Report it. Report any suspicious communications as phishing. Do not participate in activities involving sharing personal details or payments.
  • Protect yourself. Ensure you use antivirus-protected software, secured browsers, and an up-to-date device. Avoid accessing confidential information on public networks or devices.
  • Test it. Think about sending a test transfer of £1 to the bank account before transferring the full payment to check if the bank details are correct.
If you’d like to learn more about keeping your money safe, UK Finance’s Take 5 campaign has loads of great information, tips, and tricks. It’s an initiative we fully support: Take Five – To Stop Fraud

If you need any further advice you can call us on 03333 701 102 . Our lines are open from 9 am to 6 pm, Monday to Friday. Or email us at [email protected] where one of our friendly team will be able to help. Contacting us won’t impact your credit score.

Contacting us won’t impact your credit score.

If you choose to email us, we will respond to your message within 5 working days. This will either be via a telephone call or a letter in the post. If your request is urgent please call us.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services. 

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UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

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Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

21st September

Responding to application portal broker messages on:

21st September

Reviewing applications sent to our underwriters on:

21st September

Working on applications received on:

21st September

Currently reviewing valuations received on:

21st September

Answering calls in less than (average speed):

< 1 minute(s)
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