Exhibit 99.1
Together Financial Services Limited ABS-15G
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM ABS DUE DILIGENCE-15E
CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES
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Pursuant 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-backed security to comply with section 15E(s)(4)(B) of the Securities Exchange Act of 1934 (15 U.S.C. 78o-7(s)(4)(B)). Section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence services relate. |
Item 1. Identity of the person providing third-party due diligence services
| Legal Name: | Interpath Ltd |
| Business Name (if Different): |
| Principal Business Address: | 10 Fleet Place, London, England, EC4M 7RB |
Item 2. Identity of the person who paid the person to provide third-party due diligence services
| Legal Name: | Together Personal Finance Limited |
| Business Name (if Different): |
| Principal Business Address: | Lake View, Lakeside, Cheadle, Cheshire SK8 3GW |
Item 3. Credit rating criteria
If the due diligence performed by the third party is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization, identify the nationally recognized statistical rating organization and the title and date of the published criteria (more than one nationally recognized statistical rating organization may be identified).
The procedures performed were not intended to satisfy any criteria for due diligence published by any nationally recognized statistical rating organization.
Item 4. Description of the due diligence performed
Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description:
| (1) | the type of assets that were reviewed; |
| (2) | the sample size of the assets reviewed; |
| (3) | how the sample size was determined and, if applicable, computed; |
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Interpath - Confidential
| (4) | whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted; |
| (5) | whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted; |
| (6) | whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted; |
| (7) | whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted; and |
| (8) | any other type of review that was part of the due diligence services conducted by the person executing this Form. |
This description should be attached to the Form and contain the heading “Item 4.” Provide this description regardless of whether the due diligence performed is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization.
| (1) | See attached report |
| (2) | See attached report |
| (3) | See attached report |
| (4) | See attached report |
| (5) | Not applicable |
| (6) | Not applicable |
| (7) | Not applicable |
| (8) | None |
Item 5. Summary of findings and conclusions of review
Provide a summary of the findings and conclusions that resulted from the due diligence services that is sufficiently detailed to provide an understanding of the findings and conclusions that were conveyed to the person identified in Item 2. This summary should be attached to the Form and contain the heading “Item 5.”
The findings are included in the attached report. There were no conclusions resulting from the findings. Interpath Ltd was not engaged to, and did not, conduct an examination or review, the objective of which would be the expression of an opinion or conclusion respectively, on the Data Tape (as defined in the attached report).
CERTIFICATION
The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof. For the purposes of this certification, we were not engaged to, and did not, conduct an examination or review, the objective of which would be the expression of an opinion or conclusion, respectively, on the Data Tape (as defined in the attached report).
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Interpath - Confidential
| Name of Person Identified in Item 1: | Interpath Ltd |
| By: | John Midgley | ![]() | |
| (Print name of duly authorized person) | (Signature) |
| Date: | 02 July 2026 |
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Interpath - Confidential
| Appendix 2 - Findings | |||||||||||||||||||||||||||||||||||||||||||
| Portfolio Information | Primary Borrower Name - ROT, COT, Legal Charge or Land Registry | Security Address - ROT, COT, Legal Charge or Land Registry | Primary Borrower Name - Offer Letter | Security Address - Offer Letter | Amount Advanced (AR66) - Offer Letter | Repayment Method (AR69) - Offer Letter | Original Loan Term (AR61) - Offer Letter | Maturity Date (AR56) - Offer Letter | Regulated Loan (AR4) - Offer Letter | Document Signatory - Offer Letter | Number of Unsatisfied CCJs (AR33) - Credit Report | Value of Unsatisfied CCJs (AR34) - Credit Report | Number of Satisfied CCJs (AR31) - Credit Report | Value of Satisfied CCJs (AR32) - Credit Report | Bankruptcy or IVA Flag (AR36) - Credit Report | ID Verification - Proof of Identity | Income Confirmation - Proof of Income | Security Address - Valuation report | Valuation Type (AR137) - Valuation Report | Property Type (AR131) - Valuation Report | Valuation Amount (AR136) - Valuation Report | Valuation Date (AR138) - Valuation Report | Document Signatory - Valuation Report | Account Number (AR3) - Loan Origination System | Employment Type (AR21) - Loan Origination System | Loan Purpose (AR59) - Loan Origination System | Shared Ownership (AR60) - Loan Origination System | Loan Origination Date (AR55) - Back Office System | Current Principal Balance (AR67) - Back Office System | Arrears Balance (AR169) - Back Office System | Amount Advanced (AR66) - Loan Origination System | Loan Term (AR61) - Offer Letter | Maturity Date (AR56) - Offer Letter | Repayment Method (AR69) - Offer Letter | Interest Rate Type (AR107) - Offer Letter | Current Interest Rate (AR109) - Offer Letter | Current Interest Rate Margin (AR110) - Offer Letter | ||||||
| Portfolio Size | 3,898 | ||||||||||||||||||||||||||||||||||||||||||
| Sample Size | 433 | ||||||||||||||||||||||||||||||||||||||||||
| Cut-off Date | 30-Apr-26 | ||||||||||||||||||||||||||||||||||||||||||
| Confidence Level | 99% | ||||||||||||||||||||||||||||||||||||||||||
| Precision Level | 1% | ||||||||||||||||||||||||||||||||||||||||||
| Test Number | 01 | 02 | 03 | 04 | 05 | 06 | 07 | 08 | 09 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | ||||||
| Sample Size | 16,021 | 100.0% | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | ||||
| Missing Data | MD | 0 | 0.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Missing Source | MS | 0 | 0.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Tests Completed | 16,021 | 100.0% | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | ||||
| Not Applicable | N/A | 262 | 1.6% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 262 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Finding | F | 4 | 0.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| No Finding | - | 15,755 | 98.3% | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 432 | 433 | 433 | 171 | 433 | 433 | 430 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | 433 | |||
| Statistics | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.44% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 2.21% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | ||||||
| Sample ID | Loan ID | Findings | |||||||||||||||||||||||||||||||||||||||||
| Loan_138 | 10396275 | 1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | N/A | - | - | F | - | - | - | - | - | - | - | - | - | - | - | ||||
| Loan_188 | 10382494 | 2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | F | - | - | - | - | - | F | - | - | - | - | - | - | - | - | - | - | - | ||||
| Loan_369 | 10426086 | 1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | N/A | - | - | F | - | - | - | - | - | - | - | - | - | - | - | ||||
| Appendix 3 - Details of Findings | ||||||
| Loan Number | Test | Data Field | Data Tape Value | Result | Source Value | Source |
| 10382494 | Test 20 | Property Type (AR131) | Residential (Terrace) | F | House - Semi Detached | Valuation Report/LOS System (AVM) |
| 10396275 | Test 26 | Loan Purpose (AR59) | Renovation | F | Equity Release | Loan Origination System |
| 10382494 | Test 26 | Loan Purpose (AR59) | Debt consolidation | F | Investment Mortgage | Loan Origination System |
| 10426086 | Test 26 | Loan Purpose (AR59) | Re-mortgage | F | Equity Release | Loan Origination System |
| Appendix 5 - Details of Double Pledging Findings | ||||
| Loan Number | Title Number | Lien | Title & Lien Count | Management Response |
| 10408381 | 343549 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10409250 | 343,549 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10411019 | ABN93530 | 1 | 2 | 3 securities with same Title Number - 2 loans within TABS 16, 1 loan not part of TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10418816 | ABN93530 | 1 | 2 | 3 securities with same Title Number - 2 loans within TABS 16, 1 loan not part of TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10408186 | AYR22037 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10412967 | AYR22037 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10412932 | BM230892 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10412932 | BM230892 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10395461 | CE24789 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10395461 | CE24789 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10391532 | CL260754 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10396899 | CL260754 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10391949 | CYM865690 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10391949 | CYM865690 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10394508 | LAN28227 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10394508 | LAN28227 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10384714 | LL249885 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10384714 | LL249885 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10393142 | MS471211 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10393142 | MS471211 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10383454 | ND15052 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10383454 | ND15052 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10395956 | REN134058 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10395956 | REN134058 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10383454 | TY216854 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10383454 | TY216854 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10392340 | TY26432 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10392340 | TY26432 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10409367 | TY278259 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10409367 | TY278259 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10383454 | TY536341 and TY109572 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10383454 | TY536341 and TY109572 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10392340 | TY796 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10392340 | TY796 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10400535 | WK448009 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10401834 | WK448009 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10414644 | WYK142634 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10414647 | WYK142634 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10401405 | WYK244022 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10402010 | WYK244022 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10402665 | WYK794266 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10405043 | WYK794266 | 1 | 2 | 2 securities with same Title Number - 2 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10414314 | YY25602 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10414314 | YY25602 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10401193 | YY98759 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10401193 | YY98759 | 1 | 2 | 2 securities with same Title Number - 2 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10413664 | ANG46831 | 1 | 3 | 3 securities with same Title Number - 3 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10413664 | ANG46831 | 1 | 3 | 3 securities with same Title Number - 3 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10413664 | ANG46831 | 1 | 3 | 3 securities with same Title Number - 3 loans within TABS 16 - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10386538 | AYR133689 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10386538 | AYR133689 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10386538 | AYR133689 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10386538 | AYR133689 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10398836 | DMB28905 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10398836 | DMB28905 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10398836 | DMB28905 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10398836 | DMB28905 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10403623 | ABN162395 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10403623 | ABN162395 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10403623 | ABN162395 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10403623 | ABN162395 | 1 | 4 | 4 securities with same Title Number - 4 securities secured against this loan - This is due to security type (e.g. multiple flats in one unit where the title is yet to be split) |
| 10387355 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |
| 10387355 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |
| 10387355 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |
| 10387935 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |
| 10391658 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |
| 10407297 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |
| 10407866 | Scottish First Registration - no allocated title number as of yet | 1 | 7 | Scottish First Registration - no allocated title number as of yet |