Been refused consent to let by Halifax

new_home_owner_3

Thrugelmir wrote: »

Those that choose not to seek explicit approval for consent to let will be in a different position. So suggesting they go ahead regardless is reckless.

Where all adults and we can all make our own decisions, i for one would never come on here to find out what to do, i would take a look on here, i would look elsewhere and seek further advice from other people who have done the same thing.

Now theres not many people coming forward to say they rent without consent, but im sure if you look at the big picture i reckon theres a few andlords dont have consent.

I have never told the person she should rent without getting consent , i have just pointed out the facts, that i have never heard of anyone losing their home soley for not getting consent to let, and i personally dont think she would have anything to lose by doing it.

anyway its all sorted now she can get consent to let has long has the house is on the market, which is good news for everyone.

_Andy_

Group hug if we hit 14 pages by midnight

new_home_owner_3

here try this one

No piece of square dry paper can be folded more than 7 times in half!

new_home_owner_3

Anyone seen that VIGILANT or his he still searching goggle with miss moneypenny?



I think ive found something, if you dont get consent to let aliens can abduct your tenants from your residence and clone them with alien tenants that dont pay lol

Thrugelmir

_Andy_ wrote: »

It was a humorous post relating to the incessant mentioning of NH by a certain poster recently

I thought that had died a while back..........

So missed your wit.

jessicar

I feel sorry for the OP who needs some serious advice and has had her thread hijacked with this rubbish.

She's already said that she's not contemplating letting without consent now, so half of the comments above are now irrelevant. If this is just about point-scoring and squabbling, why not take it to PM?

OP, did they say what happens once you've had it on sale for a significant period of time without any offers? Are they just going to give consent as long as you have it on sale even if it's at an unrealistic price?

If it was me, I would personally consider the idea of taking the option of a loan to bring the mortgage down to 75%. As somebody else has said, it's just moving the money you owe around, even though some of it may be at a higher rate.

BUT if you're only just going to cover your costs, have you thought about what you would do if your property is empty for any length of time?

My neighbour has rented out her property and is abroad. For the first year, it was fine, but recently it's been empty for 4 months, and I know she found that difficult as her rent only just barely covers her mortgage so having it empty was costing her over a thousand pounds a month.

In the end she went with a letting agency who guaranteed her rent, but I know their fees for doing this meant she's now letting out at a loss.

Also, I would complain to Halifax (go higher and higher and if necessary to an ombudsman) about their decision regarding it being "your choice". Last year a financial company made an absolutely ludicrous and subjective decision which I complained about and after days of arguing they backed down.

Thrugelmir

jessicar wrote: »

Also, I would complain to Halifax (go higher and higher and if necessary to an ombudsman) about their decision regarding it being "your choice". Last year a financial company made an absolutely ludicrous and subjective decision which I complained about and after days of arguing they backed down.

On what grounds do you see people complaining?

As you pointed out yourself, the pitfalls are there.

VIGILANT22

[QUOTE=jessicar


Also, I would complain to Halifax (go higher and higher and if necessary to an ombudsman) about their decision regarding it being "your choice". Last year a financial company made an absolutely ludicrous and subjective decision which I complained about and after days of arguing they backed down.[/QUOTE]

Complain about what, that she wants to break the Terms & Conditions (ie let out) and they won't grant permission....rolls eyes....Your choice!...just remind yourself of the 90% loan and the 1st Charge held by Halifax!....If you can't be helpful don't post "ridiculous" posts..........

jessicar

I think that somebody deciding whether a move is by 'choice' or 'necessity' is fairly subjective. What guidelines are they actually using to make that decision?

I would query their interpretation.

In my case, I wanted to claim for a personal laptop which had been damaged in my home. And they wanted to reject the claim because, in answer to their question, I said that on a rare occasion I checked my work emails on it. They then classed it as a 'business laptop' and refused to cover it.

I argued that it was a personal laptop as it was entirely my own, my work never paid a penny towards it, and 99.99% of the time it was purely for personal use.

They agreed that they'd been overly zealous in their interpretation of the rules. Their complaints manager said the term was fairly subjective, they backed down and paid out.

My view is that where terms are subjective (in this case, define what constitutes a 'choice' or 'necessity' when having to move house), you do have a chance when you appeal.

VIGILANT22

:rotfl::rotfl:

Could this thread get any worse....all we need now is Boxer.......