Client Money Protection
Money we hold on your behalf is protected. Here is our scheme membership, how we hold client money, and how to make a claim.
Since 1 April 2019 it has been a legal requirement for property agents in England who handle client money to belong to an approved Client Money Protection scheme, to hold a certificate of membership, and to display that certificate at their offices and on their website.
Our scheme membership
- Firm: Kerrigans Property Ltd
- CMP scheme: Propertymark Client Money Protection — certificate C0002913
- Redress scheme: The Property Ombudsman — membership N00637
- Professional body: ARLA Propertymark and NAEA Propertymark — membership M0038797
Our certificate. Kerrigans Property Ltd holds Propertymark Client Money Protection, certificate number C0002913. The certificate itself — with our redress scheme membership and professional indemnity cover — is in our fees, redress and insurance schedule (PDF).
A copy of our certificate is available free of charge on request — email hello@kerrigans.co.uk or call 01302 769276.
What Client Money Protection covers
CMP reimburses landlords and tenants if an agent misappropriates client money, or fails while holding it. That means rent collected and not yet paid over, maintenance floats, deposits we hold under an insured scheme, and money held for contractors.
It does not cover matters that are not about client money — rent arrears, tenant damage, or a disagreement about service. Those go through our complaints procedure.
How we hold client money
Client money is held in a designated client bank account with a UK bank, entirely separate from the firm's own trading funds, and is never used to meet the firm's own liabilities.
Making a claim
- Contact us first through our complaints procedure — many issues are an accounting error rather than a loss.
- Escalate to The Property Ombudsman if it is not resolved within 8 weeks.
- Claim against the CMP scheme where client money has been misappropriated or the firm has failed.
- Report the matter to Trading Standards at the local authority, who enforce the CMP regulations.
Our guide what is Client Money Protection? explains the scheme in plain terms, including how to verify any agent's membership.
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