It is generally known that under section 33 of the Insolvency Act 1986, the Receiver must accept the appointment by the end of the next working day following receipt from the Lender. Less well known is that the appointment is considered effective at the time at which it is received, not at the time the Receiver accepts.
\nThis creates a potential problem. Here is an example and solution:
\nScenario
\nThe Receiver receives the appointment by email while he is out of the office at 1pm. At 5pm, he reads the email, does a conflict check, checks the validity, and accepts the appointment.
That seems fine, right? It is within the timescale prescribed in the Insolvency Act.
But what happens if, unbeknown to the Lender or Receiver, the property burned down at 3pm, and the Borrower did not have insurance in place? In our experience, the insurance premium is one of the first things the Borrower misses when short of cash, and we often find that the Borrower’s cover has expired without the Lender being aware.
If the Receiver’s appointment is (by statute) retroactively effective from 1pm – and insurance was only in place at 5pm – then the Lender and Receiver are in trouble.
\nThe Lender might, in theory, have a claim against the Receiver, but in most cases, the Receiver’s indemnity will protect him, so the Lender could be left with no security other than a pile of ashes.
\nSolution
\nThe Lender and Receiver should liaise to ensure that the Receiver is in place to accept the appointment – and place insurance cover – as soon as the appointment arrives. This way, there is no time gap between receipt and acceptance and so no risk of the property not being insured.
Suppose solicitors make or send the appointment before the Receiver is set up for acceptance. In that case, the Receiver should prepare the set up and request a new appointment email containing the documentation, making it clear that the acceptance is on the basis of the new appointment email.
If you have any questions about this or other solutions for debt recovery, please get in touch, we are always happy to help.
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