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.
If you are currently experiencing money worries talk to us. We might be able to help.
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.
We understand the cost of living crisis could be having an impact on you. If you’re worried about meeting your mortgage payments now or in the future, we’re here to help. Call one of our friendly team on 03333 701 102. Our lines are open from 9 am to 6 pm, Monday to Friday.
During the call, we’ll listen to your situation and work with you to try and find a suitable solution.
We have a dedicated space on our website full of resources to help customers who need extra support.
Complete a budget planner, and download our Income and Expenditure form. This will show your current borrowing with any fixed and variable costs. You will see your remaining funds each month to help towards your repayment.
We recommend researching if you are eligible for state benefits or tax credits. Consider checking if you have an insurance policy that could help with meeting payments.
We use text messages to communicate with some customers when they’ve recently missed a payment. We understand you may want to check if the message you’ve received is from Pepper Money and not a fraud attempt.
To reassure you, the message will display from; ‘PEPPER’ on your phone, and the link to make a payment will contain the word Pay Thru, our payment partner.
If you’re still unsure if a text is from us, one of our team will be happy to help you, You can give us a call Monday to Friday between 9am – 6pm on 03333 701 102. You can also make an automated payment by phone using the same telephone number, 24 hours a day.
We understand this can be stressful, and we’re here to help. Please contact one of our friendly team as soon as possible on 0333 014 3125. Our lines are open from 9 am to 5.30 pm, Monday to Friday. During the call, we’ll listen to your situation and work with you to try and find a suitable solution. Please complete our income and expenditure form before calling. This will show your current borrowing with any fixed and variable costs. You will see your remaining funds each month to help towards your repayment. We will review your form with you on the call to understand your current circumstances.
We understand the cost of living crisis could be having an impact on you. If you’re worried about meeting your mortgage payments now or in the future, we’re here to help. Contact one of our friendly team on 0333 702 102 between 9 am to 6pm, Monday to Friday. During the call, we’ll listen to your situation and work with you to try and find a suitable solution. We have dedicated resources on our website to help customers needing extra support.
A good starting point can be getting on top of your finances. Please complete our Income and Expenditure form before calling. This will show your current borrowing with any fixed and variable costs. You will see your remaining funds each month to help towards your repayment. We will review your form with you on the call to understand your current circumstances.
A mortgage or secured loan (where money is borrowed against your property) is identified by the Citizens Advice Bureau as priority debt. This means falling into arrears can potentially have a serious impact on you.
The term (length of the agreement) of your mortgage will not change. This means you’ll have a higher balance, and your payments will increase as a result.
For example:
You would pay an extra £3.41 in interest if paying off an arrears balance of £337.54 in 3 months and an extra £11.38 if paying off the arrears balance in 12 months.
While,
You would pay an extra £6.51 in interest if paying off an arrears balance of £969.57 in 3 months and an extra £21.53 if paying off the arrears balance in 12 months.
Lenders have an obligation to report mortgage and secured loan arrears to credit reference agencies. Therefore, arrears could impact your future borrowing ability or increase the cost of it.
The debt is secured against your home or property. If you are unable to meet your repayments, your property could be taken and sold to clear the outstanding debt. This is always the last resort.
We understand that falling into arrears can be worrying and stressful, but there is support out there.
If you are worried you might fall into arrears or your mortgage is currently in arrears, please contact us as soon as possible. Our friendly team is available on 0333 702 102. Our lines are open from 9 am to 6 pm, Monday to Friday.
During the call, we’ll listen to your situation and work with you to try and find a suitable solution. Alternatively, our existing customer pages are full of great independent resources to help borrowers worried about the impact of falling into arrears. You can find out more here.
You can get free, independent and impartial advice from these organisations:
National Debt Line: 0808 808 4000
Citizens Advice Bureau (CAB): 03444 111 444 (England) or 03444 77 20 20 (Wales)
Step Change Debt Charity: 0800 138 1111
MoneyHelper: 0800 138 7777
Money Advice in Scotland: 0141 572 0237
Civil Legal Advice: 0345 345 4345
Shelter Housing Advice: 0808 800 444
Repossession is always the last resort. We have options available to support you through difficult times. Repossession becomes an option if we’re unable to agree on an alternative solution. Or if releasing you from the financial burden of mortgage payments is the preferred option.
If repossession is unavoidable, we’re committed to:
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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