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

 

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;

1

 

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