What the file says
- Available title / security inputs
- Encumbrance and charge information supplied / sourced within scope
- Proceeding / litigation status
- Counterparty and transaction records
DUE DILIGENCE
Documents tell a story. Ground reality tests it.
RPS Associates approaches due diligence as a decision-support exercise: connect the available file, public / authorised records and physical verification, then separate confirmed facts, gaps, inconsistencies and items that require specialist opinion.
FILEWhat the records say
GROUNDWhat can be verified
DECISIONWhat the client needs to know
EVIDENCE
THREE-VIEW MODEL
A useful review does not end at “documents checked.”
What can be verified
- Public / authorised record checks
- Physical location and site observations where instructed
- Consistency across names, descriptions, dates and identifiers
- Missing or stale evidence
What the decision needs
- Confirmed facts
- Red flags and inconsistencies
- Open questions
- Items requiring legal / technical / valuation opinion
EVIDENCE REGISTER
Separate fact from assumption.
CONFIRMEDRecord / fact supported by available evidence
OPENInformation still required or to be verified
CONFLICTTwo sources do not presently align
SPECIALISTRequires legal, valuation, engineering or other expert opinion
ILLUSTRATIVE EXAMPLE
The property exists. Is that enough?
A file may contain a property description and supporting documents, while the decision still depends on access, present use, occupancy, updated record position, litigation status or another factual gap.
RPS consolidates those questions into one evidence-led review rather than treating every uploaded document as equally decision-relevant.
DELIVERABLE
A decision-ready due diligence pack
Executive red flags
The issues that could materially affect the intended decision.
Evidence register
What supports each fact and where information remains incomplete.
Open questions
Specific matters to resolve instead of a vague “subject to verification.”
Specialist escalation
Items that need counsel, valuer, engineer or another professional.
DECISION CONTEXT
The same document can matter differently in different decisions.
Due diligence should be scoped around the decision in front of the institution, not around a universal checklist that treats every record as equally important.
Which factual or property issues could affect the planned recovery step or create a dependency that needs specialist review?
What is known about the security, proceedings, borrower / counterparty position and evidence supporting the proposal under consideration?
What approved facts, records, physical observations and unresolved questions should be visible before a buyer or institution proceeds further?
Which asset, stakeholder, process and evidence gaps materially affect the next institutional decision?
Scope follows the mandate.
RPS Associates works within the role authorised by the client. It does not replace the authorised officer, advocate, valuer, insolvency professional, district authority or any other statutory / appointed professional involved in the matter.
What decision does the evidence need to support?
Start with the decision, then identify the facts, records and ground checks that actually matter to it.
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