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Repossession of our Rented Flat - HELP!!!!!
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pawel1975
Posts: 4 Newbie
Hi all, hope someone can help.
We have rented a flat since Feb 09, paying our rent on time (we were even asked by the landlady to bring payment date forward to accomodate her).
Recently we've been getting loads of letters for the landlady from Northern Rock at our address. And yesterday we found a notice for repossession of the flat giving the landladys address as the one we're renting for Wednesday this week.
I've contacted the landlady who has advised she has got financial problems and that we shouldn't worry as she's selling the flat and it should go through in 4-6 weeks and nothing will change as we're sitting tenants, this doesn't tally with the Repossession hearing being on Wednesday.
I've contacted Northern Rock to advise we're tenants and ask if they can advise us as well as the County Court, tomorrow i'm going to CAB.
My partner contacted the letting agent today who advised we have good grounds to break our contract as the letter advising of the repossession hearing broke our contracted right to 'quiet enjoyment of the property'. Is this right.
As the court case is wednesday and our rent due for 23 oct-23 Nov is due the day after I have cancelled our rent payment for the time being, is this correct.
We don't trust anything this lady tells us, as shes also confirmed due to financial difficulties the bank remortgaged her on a normal mortgage and not as a buy to let, whereas the week before she confirmed to me the bank were aware of our presence. Again is this legal and could this break our contract.
We're going to attend the court hearing in the meantime as her words seem contradictory.
Any advice would be greatly appreciated, we just want to get the hell out of here and find somewhere safe, as we get married in 3 weeks and don't want the fear of bailiffs and dodgy landladys ruining our honeymoon. Help please.
Thanks all
Pawel
We have rented a flat since Feb 09, paying our rent on time (we were even asked by the landlady to bring payment date forward to accomodate her).
Recently we've been getting loads of letters for the landlady from Northern Rock at our address. And yesterday we found a notice for repossession of the flat giving the landladys address as the one we're renting for Wednesday this week.
I've contacted the landlady who has advised she has got financial problems and that we shouldn't worry as she's selling the flat and it should go through in 4-6 weeks and nothing will change as we're sitting tenants, this doesn't tally with the Repossession hearing being on Wednesday.
I've contacted Northern Rock to advise we're tenants and ask if they can advise us as well as the County Court, tomorrow i'm going to CAB.
My partner contacted the letting agent today who advised we have good grounds to break our contract as the letter advising of the repossession hearing broke our contracted right to 'quiet enjoyment of the property'. Is this right.
As the court case is wednesday and our rent due for 23 oct-23 Nov is due the day after I have cancelled our rent payment for the time being, is this correct.
We don't trust anything this lady tells us, as shes also confirmed due to financial difficulties the bank remortgaged her on a normal mortgage and not as a buy to let, whereas the week before she confirmed to me the bank were aware of our presence. Again is this legal and could this break our contract.
We're going to attend the court hearing in the meantime as her words seem contradictory.
Any advice would be greatly appreciated, we just want to get the hell out of here and find somewhere safe, as we get married in 3 weeks and don't want the fear of bailiffs and dodgy landladys ruining our honeymoon. Help please.
Thanks all
Pawel
0
Comments
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Sorry we've rented since Feb 08...doh!0
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Dunno. There will be a right ding dong about whether or not you should pay the rent. If you turn up in court, you can present the position as holding the rent pending settlement of who it is due to. Turn up in court with documentary evidence of your wedding and honey moon and ask for security of tenure to cover that period and the notice you would get anyway - the repossessor might not want a picture of a couple with glum faces under a headline of 'Mortgage company ruined our wedding' in the local rag.
But at the end of the day, you still will have to leave with a small amount of notice unless it was a Buy to Let mortgage. Think also about recovering your deposit.After the uprising of the 17th June The Secretary of the Writers Union
Had leaflets distributed in the Stalinallee Stating that the people
Had forfeited the confidence of the government And could win it back only
By redoubled efforts. Would it not be easier In that case for the government
To dissolve the people
And elect another?0 -
Thanks Incisor
I've been thinking about this, we signed an assured shorthold tenancy agreement, if the landlady didn't advise us that she simply had a mortgage and not a buy to let mortgage then has she not broken our contract as our rights if the property is repossessed are virtually zilch and through her negligence and lying to the letting agent we weren't made aware of this, as we'd never have signed the contract had we known?
I'm going to go to the Court hearing tomorrow and if the repossession order goes through I don't see how I can pay the landlady her rent the following day for the forthcoming month.0 -
Where's your deposit?
You can ring shelter too for advice.0 -
Ask how much the bank want for it....Savings
£14,200 with £1100 M.I.A. presumed dead.0 -
One on our local news was repossessed despite friends of the owners offering to buy it for 85k then 90k. Both offers refused.
The house went on sale at 61k.
Banks seem to be really stupid don't they?0 -
Somone got a bargain! I looked at a totally gutted repossession 2 months or so ago.
Trashed to !!!!.
Windows smashed, wiring torn out, stairs broken.
2 real bedrooms and 1 box room. And a garden which was just one very impressive thorn bush.
Ceiling was ripped down in the kitchen.
They wanted 145K for it! The cider cans in that place alone would have cost a few hundred to clear (No joke)...Savings
£14,200 with £1100 M.I.A. presumed dead.0 -
Going back a few years, but this happened to me. The Landlord had not been paying the mortgage for almost a year before they finally repossessed, and the first I knew about it was a letter from his mortgage provider telling me that they had been granted repossession by the courts and I had 28 days to leave! Fortunately this arrived the day before I was due to pay this man the rent, so I called my letting agent told them what was going on and told them I was keeping the rent in lieu of the deposit.
I was a single Mum at the time and only working part-time. It was the most horrid time of my life - I had no home and had no idea where my DD and I were going to live. It worked out for the better in the end, and as as they say, what doesn't kill you, makes you stronger!0
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