RENTING? Check your LL has permission to let that property.

silvercar

Land_Registry_representative wrote: »

The mortage lender would not be automatically informed. Any requirement to notify would only exist between borrower and lender.

As mentioned the primary purpose of the registered 'address for service' is for Land Registry to be able to correspond with the relevant owner.

However, and quite naturally, as the information is in in the public domain it will be put to other uses or indeed interpreted as being their actual place of residence but it is important to recognise it's original purpose and that it is in effect intended as merely their 'letterbox' for receipt of correspondence from Land Registry.

To my mind this says it all: checking Land Registry tells you nothing.

franklee wrote:

the Mortgage Repossessions (Protection of Tenants etc) Act 2010 because it is specifically to address unauthorised tenancies.

So there are now measures in place to protect tenants from sudden eviction.

socrates wrote: »

And you kept writing on here over and over again that checking LR proved something about CTL and you were proved 100% wrong by the LR Rep - funny how you have not commented on that

You also scare mongered on many occasions about Insurance Companies not paying out claims where there was no CTL - have you provided one example where this is the case?

Until there is legislation in place most of what you say on here is futile - and you are working on the premise of ifs buts and maybes

Silvercar I am sure will answer for herself

I hadn't looked on this thread for a while.

Surprise, surprise, nothing changes. Oh wait, confirmation that LR tells you nothing; ignored by the usual suspects.

In recent years we have had legislation protecting tenants deposits and protecting tenants from eviction. Ideally tenants want to know that their landlord is a decent person, has money to maintain the property and has paid the mortgage. You are never going to get proof of any of those things - so go with your gut instinct, make sure you have a gas certificate, pay your rent on time and look after your new home.

socrates

silvercar wrote: »

To my mind this says it all: checking Land Registry tells you nothing.



So there are now measures in place to protect tenants from sudden eviction.



I hadn't looked on this thread for a while.

Surprise, surprise, nothing changes. Oh wait, confirmation that LR tells you nothing; ignored by the usual suspects.

In recent years we have had legislation protecting tenants deposits and protecting tenants from eviction. Ideally tenants want to know that their landlord is a decent person, has money to maintain the property and has paid the mortgage. You are never going to get proof of any of those things - so go with your gut instinct, make sure you have a gas certificate, pay your rent on time and look after your new home.

Silvercar - you never responded to this from MissMoneypenny #584

You are making untue claims, that tenants who rent from a landlord without the lenders permission, have the same rights as those who have a lender that has given permission; they don't. This has been explained to you over and over again, at great length. Silvercar was one of the worst offenders on this site, for telling people to let their property out, without consent from their mortgage lender.

silvercar

Silvercar - you never responded to this from MissMoneypenny #584....

:wall:

I know, I got fed up of repeating myself.

And now I've decided I'm not singing to their tune. If they want to advise people to pay £4 to get the deeds from Land Registry then let them. If they think that having consent to let means you are safe then they can say that.

If I really am the "worst offender on this site" then so be it; my thanked post count doesn't seem to agree with that view.

Which tenants lose their home more often? Those that fall behind with their rent.

Best advice for a tenant that wants to keep their home - pay your rent on time and in full.

tbs624

silvercar wrote: »

Best advice for a tenant that wants to keep their home - pay your rent on time and in full.

It would be fantastic if life were really that straightforward.

Ts can of course just pray that the LL is one of the decent ones, ie, not a robdog who squitters the rent away rather using [edit: it] to make his mortgage repayments on the rental property. Plus of course, there is likely to be the further squittering away of the non-registered tenancy deposit .by said robdog/financially inadequate LL

Silvercar's comment is an insult to those Ts who *have* met their own tenancy obligations in full yet *still* find themselves out on their ears

franklee

tbs624 wrote: »

It would be fantastic if life were really that straightforward.

Ts can of course just pray that the LL is one of the decent ones, ie, not a robdog who squitters the rent away rather using [edit: it] to make his mortgage repayments on the rental property. Plus of course, there is likely to be the further squittering away of the non-registered tenancy deposit .by said robdog/financially inadequate LL

Silvercar's comment is an insult to those Ts who *have* met their own tenancy obligations in full yet *still* find themselves out on their ears

Well said :T

Co-incidentally a blog entry from Tessa that's relevant to his thread. Interesting to see the problems faced by the tenant who wrote in and the comments as well:

Written on August 30, 2012:
Aggressive receivers threatening tenants – what should they do?
http://www.landlordlawblog.co.uk/2012/08/30/aggressive-receivers-threatening-tenants-what-should-they-do/

If the tenancy was binding on the landlord's lender then the tenant would at least know they'd be given proper notice as allowed under the tenancy which would avoid the "The first I knew about this was a notice posted on my door (which all my neighbours could see) saying if I didn’t make contact within 7 days the locks would be changed. " situation which even if it can be staved off must be stressful.

thompson.rebeccamay

Hello, I have just posted a new thread asking for advice relating to this issue

forums.moneysavingexpert. com/showthread.php?p=55744165#post557744165

If anyone can please help on my post I would really appreciate it (over 500 replies in this thread so posted my own as I was getting confused reading through all the different issues here)

Slinky

celinadesuza wrote: »

Great post thanks for sharing I really appreciate your post.

Unlike your post which is spam - see similar posts on other random threads.

harasin

Thank you!
I am currently renting a property, this information is useful, I will look into this information.
Regards.

harasin

Hi
Thank you for your post.
I am currently renting and find this information useful, I will look into it.

regards

japmis

I often wonder about my LL because all sorts of inland revenue stuff arrives at our rented place addressed to her and her company. She has even left us forwarding stickers for us to send on her post. Dodgy?