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

Online_Radio_Stations

If iv'e bought a property then why should i have to tell anyone i have rented it out i think the government just like making up laws to make them money you might as well say the governments job is to find ways to make money from the public there the biggest bunch of scam artists on the planet. I may have a discussion on this subject on my internet radio stations next show should be a good topic of discussion.

Henman_Bill

As someone renting, why would you feel more secure if the landlord had a consent to let.

Is it because you think without a consent to let they are more likely to default? (really? Why?)

Is it because you think someone like that is more likely to be unprofessional and dodgy in general, just a red flag about their personality (could be)?

Is it because you are worried the lender could call in the mortgage forcing a quick eviction (but isn't it more likely they just increase the fees)?

EDIT: Seems to me that renting from someone without a consent to let is not really that bad?

I only read the first couple of pages and the last one, so I hope I didn't miss the answer in the long running thread.

Henman_Bill

sorry just signing up for the email notification

Thrugelmir

Henman_Bill wrote: »

Is it because you think someone like that is more likely to be unprofessional and dodgy in general, just a red flag about their personality (could be)?

In any business where customers are paying for a service. Then high standards are a reasonable expectation. Why should BTL be any different? The way somebody operates is often a good reflection of their attitude. This is particularly true of finance i.e. credit history.

ANGEL66_2

Hi Everyone,

Need a bit of help and advice please. I recently started renting a house. However I didn't find out until after I signed the agreement and moved in that the landlord had bought a repossessed house and debtors letters are still arriving addressed to the previous owner. I feel that the landlord and estate agent have rented the house to me under false pretences as I wasn't informed of this situation before I moved in. I now live in constant fear of bailiffs and debtors turning up on my doorstep. I have been told this was a constant prolem for the last tenant that lived here. Do I have a case to get out of the tenancy early?? I'm signed up for 12 months.

Any help or advice anyone can give me would be much appreciated.

Many thanks

Zorz_2

ANGEL66 wrote: »

Any help or advice anyone can give me would be much appreciated.

Many thanks

Your landlord hasn't done anything wrong. I know it can be annoying, but it's more of a nuisance and not an actual danger to you.

The debt is not yours, nor your landlord's, so just write on those envelopes from the debt recovery companies "NOT KNOWN AT THIS ADDRESS, RETURN TO SENDER" and pop them back in a post box.

If anyone comes at your house, under no circumstances let them in. Just tell them that the person they are looking for is no longer living there.

ANGEL66_2

Thanks for your help and advice Zorb. I will do that. Never come across this situation before.

G_M

Zorz wrote: »

Your landlord hasn't done anything wrong. I know it can be annoying, but it's more of a nuisance and not an actual danger to you.

The debt is not yours, nor your landlord's, so just write on those envelopes from the debt recovery companies "NOT KNOWN AT THIS ADDRESS, RETURN TO SENDER" and pop them back in a post box.

If anyone comes at your house, under no circumstances let them in. Just tell them that the person they are looking for is no longer living there.

You could also make a photocopy of your passport, and your tenancy agreement, and keep them next to the front door.

If a bailiff comes to the door, you
a) prove who you are ("no, I'm not the debtor")
b) prove you are now entitled to live there ("no, the debter you seek no longer lives here")

Bailiff goes away.

tbs624

Angel66 - get some business cards from the LA/EA and hand them to any debt chasing bod who turns up the door step - alternatively print out some slips yourself with both the LL's and the LA's contact info.

You don't need to hand out *your* personal information to random doorsteppers.

You can ask a DCA or bailiff to leave you their card so that you can contact the relevant company direct and request that they desist from turning up at your home: again refer them to the LA/LL and/or tell them to check HM Land Registry.

Note that a representative of a debt collection agency is not a bailiff, and they have no powers. Bailiffs are used when a CCJ or other court judgement has been made, and pushing past you when you have opened a door, or putting their foot in the door to prevent you closing it ,counts as a forced entry, even when/if the debt is your own. (Forced entry is illegal , unless you owe unpaid Mags Court fines or HMRC *and* the bailiffs have a Mags Court warrant)

If a bailiff/debt collector rep does show up after you have notified any of these companies,make sure you make a formal complaint to the debt collection company concerned and any bodies they are members of such as http://www.acea.org.uk/

Zorz_2

G_M wrote: »

You could also make a photocopy of your passport, and your tenancy agreement, and keep them next to the front door.

If a bailiff comes to the door, you
a) prove who you are ("no, I'm not the debtor")
b) prove you are now entitled to live there ("no, the debter you seek no longer lives here")

Bailiff goes away.

That's probably true, though I'm not very inclined to do so (hasn't happened so far to me) because I don't like to jump thru hoops just because other people can't do their job properly.

JacobWilson wrote: »

Notice that if the landlord had permission to let from their mortgage lender, then the tenant would be given at least 2 months notice to find another property. Without the landlord asking for permission to let, the tenant could be thrown out with little of no notice.

Not exactly. Unautorised tenants ((of LL without consent to let) can ask the court at the possession hearing to have the date for possession postponed for up to two months. Tenants whose LL has consent (BTL mortgage), are safe for the duration of their fixed term, while in periodic tenancies, the bank can get a s21.

See: Mortgage Repossessions (Protection of Tenants etc) Act 2010