Been refused consent to let by Halifax

new_home_owner_3

VIGILANT22 wrote: »

[QUOTE=new_home_owner

You may be surprised to learn I really don't care what you think....What I do care about is you "spouting" off rubbish on a forum.......

if you dont care why dont you do one, you come here saying this and thats wrong along with your pal plhash thanking him at every chance and gloating at the persons situation.

Then when someone asks you to provide evidence you can not find anything, apart from mortage fraud, mortgage fraud is when someone takes out a mortgage to make financial gain, without paying it back, i think the other person would not be doing this. you and your idiot of a mate are just here to scaremonger, at the end of the day you have made the both of you look like very selfish individuals.

There pair of you need to grow a pair of balls

new_home_owner_3

show us all the facts? plhash and vigilant22 or are you two feeling a bit red faced?

new_home_owner_3

good night and god bless i dont think you will be hearing much of these 2 they have truly been put to bed.:T

phlash

new_home_owner wrote: »

Ive read your post's and the others i know what they say is right and what is wrong, it may be wrong in the banks terms and it may be wrong to you, i know a lot of people who rent their properties who do not have consent to let and im sure a lot of people on here know people who have rented without getting consent to let.

Now you can state things that may happen but you have yet to come up with any evidence to say a landlord has lost their property for not getting consent to let, there are load of stories about landlords not paying there mortgages and the banks reposessing now this person would be very unlucky if they was the first to get their house reposessed wouldnt they, especially if they keep the payments up.

Now the only person who will be in a mess will be the tenants if the emma doesnt pay her mortgage but i dont think she will, she has more chance of missing payments if she has to borrow more to keep it to rent, take a chance.

plhash can say what he wants wheres the proof????

He keeps on going about tenants should know if the landlord has consent to let incase of this and that, thats it exactly its a lot of ifs and buts and no one on here has heard it happen, unless the landlord has not paid the mortgage.

For the FOURTH time of asking.....

Where do you reasonably suggest that the OP would get the money from to pay the bank back its money if the buildings insurance was called upon and they rejected the claim due to no consent to let?

Good night indeed.......ignorance is bliss huh!

phlash

PS. On the evidence front - we have provided link after link.

What have you provided - your opinion. Thanks, but its child's play.

PPS. We are not friends, don't even know the guy. But he is someone with more of a clue than you, and like me, sounds as though he is someone who works a bit closer to the industry than yourself.

You can kid yourself about fraud all you like, but its not a defence when the tough questions are asked. The only person to have made a fool of themselves is yourself, for which you have been told by about at least 3 individuals. Can't say the same criticism has come our way, apart from, oh yes by you - go figure!

new_home_owner_3

phlash wrote: »

PS. On the evidence front - we have provided link after link.

Links from terms in mortgages and links to shelter saying landlords should get consent to let, but where are the links from people who have been reposessed and lost their homes?

where all still waiting, the links you gave are rubbish, that we have all heard beofore.

Its like the law with cannibis you are not supposed to have it and potentially you could be locked up for having it but most times all what somone will get if they are caught with a spliff is a slap on the wrist.

You need to get over it and chill out, its about your bedtime now anyway get mommy to make you some coco, it will make you sleep better.

new_home_owner_3

next you will be telling us she wont get consent to let and her house will be hit by a hurricane and then she may lose her house, turn it in, your scraping the barrel now what if this happens or that happens, if people listened to you they would never leave their homes.

Pring

Halifax originally refused me Consent to Let when I moved in with my girlfriend and let out my flat.

I made an appointment at a different branch, spoke to a different adviser who agreed that my move was out of necessity and she re-applied for me, convinced her superiors that it was out of necessity and it went through fine.

I'd recommend trying a different adviser and hopefully you'll find someone more sympathetic who'll actually look at the case on its merits and not just tick the boxes. My argument was always that 'necessity' was totally subjective.

new_home_owner_3

NeilInglis wrote: »

Halifax originally refused me Consent to Let when I moved in with my girlfriend and let out my flat.

I made an appointment at a different branch, spoke to a different adviser who agreed that my move was out of necessity and she re-applied for me, convinced her superiors that it was out of necessity and it went through fine.

I'd recommend trying a different adviser and hopefully you'll find someone more sympathetic who'll actually look at the case on its merits and not just tick the boxes. My argument was always that 'necessity' was totally subjective.

I personally dont think its a big deal to them about giving consent to let and like you said a different adviser might treat her differently, however i think the bank will try and get every penny they can from their customers and if they know someone is desperate they will try it on.

phlash

Thanks for your PM new_home_owner but Landlord's insurance does not cover your building, so you still haven't answered my basic query, so I will ask for a FIFTH time....

Where do you reasonably suggest that the OP would get the money from to pay the bank back its money if the buildings insurance was called upon and they rejected the claim due to no consent to let?

His PM:
"you can get landlords insurance even if you dont get consent to let, she could even have both, so why dont you fuk off and crawl under the stone where you truly belong.

i think she will do it and the great thing is whatever you say you know as well has me she will get away with it.

7 out of 10 people probably do it just becuase you have not got the bolllocks to do it, grow some and you might be okay.

I hope you can sleep tonight knowing that someone is going to rent their house out without consent, and i know she is, becuase she has pm'd me to say she will be doing it."

I hope that he is lying Emmajayne?