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  • FIRST POST
    • aneary
    • By aneary 17th May 17, 1:31 PM
    • 191Posts
    • 101Thanks
    aneary
    Landlord's mortgage company
    • #1
    • 17th May 17, 1:31 PM
    Landlord's mortgage company 17th May 17 at 1:31 PM
    Hi

    Is it possible to find out the landlord's mortgage company?

    Basically he is a nightmare landlord there is damp, he is refusing to fix it because I am unable to move his couch away from the wall to access the damp.

    The under counter lights and fan have never worked they were supposed to be fixed before I moved in.

    Every time I report an issue he doesn't do anything about it.

    I'm paying higher than local rates rent and he is refusing to lower it despite all the faults with the flat.

    I suspect he has a residential mortgage and not a BTL mortgage if I could find out the mortgage company I could use it a leverage to fix all the problems.
Page 2
    • aneary
    • By aneary 17th May 17, 4:55 PM
    • 191 Posts
    • 101 Thanks
    aneary
    The damp appeared in Christmas since this point I have been promised 3 different visits to fix everything, I have now reached breaking point.

    To add to this the agency is trying to claim that I didn't inform them and therefore let it get worse which is a lie thankfully I have evidence backing me up.

    I want the issues fixed and I want them fixed asap, the legal route will not provide this.
    • Pixie5740
    • By Pixie5740 17th May 17, 4:56 PM
    • 10,413 Posts
    • 14,264 Thanks
    Pixie5740
    Nor will your attempt at blackmail especially if it turns out your landlord does have consent to let. Then you'll not only have damp on the walls but egg on your face.
    Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery.
    • aneary
    • By aneary 17th May 17, 5:02 PM
    • 191 Posts
    • 101 Thanks
    aneary
    I seriously doubt he has consent. He couldn't even redirect his mail, failed to cancel his Sky and electric bills when he left.
    • Guest101
    • By Guest101 17th May 17, 5:08 PM
    • 13,978 Posts
    • 13,494 Thanks
    Guest101
    The damp appeared in Christmas since this point I have been promised 3 different visits to fix everything, I have now reached breaking point.

    To add to this the agency is trying to claim that I didn't inform them and therefore let it get worse which is a lie thankfully I have evidence backing me up.

    I want the issues fixed and I want them fixed asap, the legal route will not provide this.
    Originally posted by aneary
    But somehow you think blackmail will?
    • G_M
    • By G_M 17th May 17, 8:00 PM
    • 39,687 Posts
    • 45,206 Thanks
    G_M
    So the damp appeared at Christmas.

    It'sa bit unclear still, but

    * on what did did you first report this in writing to the LL?
    * What response and when?
    * what date did you write again to the LL?
    since it appears no action was taken
    * on what date did you contact Enviromental Health and inform them of
    a) the damp
    b) the action you've taken
    c) the LL's response (or lack)
    d) your health issue
    * on what date did EH respond and how?
    • aneary
    • By aneary 17th May 17, 10:53 PM
    • 191 Posts
    • 101 Thanks
    aneary
    I reported it to the estate agent in the first week of January.

    After this there were several emails going back and forth with the LL and EA copied in and a date for him to come round was arranged in mid February he didn't turn up. I emailed he didn't respond. Two weeks later I got a call from the estate agent (a different employee) saying that he was calling to sort out all the issues and also to tell me everything should go through them and not to go to the LL directly. Two points on this (which was explained to the EA) when I moved in the LL told me to contact him directly and secondly the EA was copied in.

    Another date was arranged in March the LL didn't turn up yet again. I called the EA and he said he would sort it out. I didn't chase in April as I had my grandfather's internment, Easter and then I was on holiday in Spain.

    I chased and was told he would be coming last Wednesday. On the Friday before the EA called me and said I needed to move the LL's sofa, I explained I couldn't as I have a slipped disc and am awaiting surgery, the EA said can your parents not pop over and move it I said no they live 60 miles away so they can't just pop over. The EA asked if my back was really that bad!! Anyway he said he would let the LL know. The LL didn't turn up and I wasn't told.

    Therefore the LL has used various delaying tactics and I'm fed up beyond belief.

    I ended writing an A4 page of all the things that he has either failed to do or has taken months to actually do all bar the damp was supposed to be completed before I moved in. When I did move in he had left the place filthy which is mentioned many times in the inventory report which is completed by an independent person.
    • csgohan4
    • By csgohan4 17th May 17, 11:06 PM
    • 3,497 Posts
    • 2,184 Thanks
    csgohan4
    In Summary, the OP wants to claim his deposit back for issues which they left for the last 10 months. Using blackmail on the way too.


    What has the mortgage type the LL has concerns you? will it affect your contract or indeed your lights/damp?


    How do you know he doesn't have Consent to let or converted to BTL. Bills coming to you in his name doesn't mean nothing, unless you have been opening those bills.


    it is against the law to open someone's mail:


    http://www.legislation.gov.uk/ukpga/2000/26/part/V/crossheading/offences-of-interfering-with-the-mail


    Bare in mind if you need a letting reference, you will be cutting your own nose to spite your face.


    Can you not get a handy man to lift the furniture for example?
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • aneary
    • By aneary 17th May 17, 11:18 PM
    • 191 Posts
    • 101 Thanks
    aneary
    No I have not been opening his letters all of them were dropped into the EAs in early December as the electricity company he used were chasing him for an unpaid bill he didn't know about.

    I didn't leave the issues for 10 months he didn't fix them. All issues other than the damp are in the inventory report so the LL hasn't a leg to stand on if he tries to withhold my deposit.

    I'm buying so I don't need a reference.

    Not sure if you realise but handy men cost money the furniture does not belong to me even the lettingsmanager (I spoke to her after the last no show) said it wasn't my responsibility to move the sofa if the LL is unable to move it he needs to find someone who can.

    Csgohan if you are going to summarise things actually read and get things right.
    • G_M
    • By G_M 17th May 17, 11:27 PM
    • 39,687 Posts
    • 45,206 Thanks
    G_M
    28 posts in and most responses you have got are saying more or less the same thing.

    I'm sorry it's not what you wanted to hear, but maybe you should take on board the gist of the advice.

    Simply re-iterating your problem, and continuing to try to justify your position is not going to alter the responses.

    What you now do is of course up to you.
    • hazyjo
    • By hazyjo 18th May 17, 12:11 AM
    • 9,097 Posts
    • 11,398 Thanks
    hazyjo
    Only if in transit, or it arrives and you intend to do something dodgy with it!
    2017 wins: Opera tickets; film preview; lipstick; Ideal Home Show tickets + afternoon tea & bottle of Champagne; 2 cases of NKD; notebook; bath rack; books; film Premiere; Broadchurch DVDs; lipbalms
    • theartfullodger
    • By theartfullodger 18th May 17, 3:25 PM
    • 8,739 Posts
    • 11,547 Thanks
    theartfullodger
    To find out mortgage company (if any) of most properties in England or Wales simply spend £3 with land registry & you will find name & address of owner (may not be Landlord) and name of any lender.

    I'm certain any lender would value having a possible fraud pointed out to them. But Tenant highly unlikely to get a reply.

    If address is the property highly likely some fiddle: or v stupid owner (easy to id fraud and sell/remortgage the place......)
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