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Landlord not paying his mortgage!

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  • Just like to say thank you to all the above for the advice. The court date for the possession hearing is set for the end of September so I think I am just going to find alternative rented accommodation for months by which time I should be in a position to get onto the property ladder at long last.
  • I would not pay any more rent. There is no way you will get any deposit back, so you need to claw as much money back as possible.

    It is quite hard to get truly independent advice. Many people on this board are Landlords, so they will tend to the side of the Landlord. So be careful. I believe Alleycat works in housing, so she can be trusted.
  • ginger_nuts
    ginger_nuts Posts: 1,972 Forumite
    if a landlord has not paid the mortgage should you still pay the rent ,as you may not get you deposit back.
  • I would not pay any more rent. There is no way you will get any deposit back, so you need to claw as much money back as possible.

    It is quite hard to get truly independent advice. Many people on this board are Landlords, so they will tend to the side of the Landlord. So be careful. I believe Alleycat works in housing, so she can be trusted.

    That would appear to be a comment made by a tenant. I would be equally careful about taking the advice about not paying anymore rent.
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
    The Lord Giveth and the Government Taketh Away.
    I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • Alleycat
    Alleycat Posts: 4,601 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I would never ever suggest someone stop paying their rent. Just because the landlord may have done a runner and not paid his mortgage or there are disrepair problems etc, you are still liable. They can and do persue tenants for outstanding rent. It will jeopardise your tenancy and dependant on how much is owed lead to accelerated possession, small claims action etc.

    P.S. I'm a Homelessness Officer for my Local Authority.
    "I've fallen down a hole" - said in best Monty Python voice-over.
  • theGrinch
    theGrinch Posts: 3,133 Forumite
    Part of the Furniture 1,000 Posts
    just a thought, what about making an offer to the landlord to buy the property?
    "enough is a feast"...old Buddist proverb
  • I think you should have kept your nose out of opening your landlords mail. It was not addressed to you and so you had no right to open it, instead you should have taken it to the agency for them to deal with.

    How can your landlord represent themselves now they have no mail? How much more have you opened? What gives you the right to open mail just because you live in someones property- none.

    Because you were nosey you have now created a situation where you feel unconfortable as you are making suggestions about "what if this" and "what if that" to a legal matter which is none of your business.

    Very rarely do I post negatives on this forum as you will see if you look through my postings from previous. But what you have done is wrong and now you are left to deal with the consequences of your own insecurities.
  • jamie304
    jamie304 Posts: 109 Forumite
    It is perfectly legal to open mail sent to your address reegardless of whom it is addressed to. I would especially suggest it is important to open all mail addressed to The Occupier, that means you! The person living there! By doing
    so you can often avoid tricky situations such as baliffs turning up unexpectedly.

    Read this link for some advice on what to do if your landlord is not paying the mortgage. http://www.rochdale.gov.uk/PublicServices/helpAdvice.asp?url=brief46

    Here is a quote:
    "A copy of the legal documents called a "summons" must be sent to "the occupier" at the address concerned. You have a right to open mail addressed like this. If you receive documents of this kind, then ring the Advice Service for advice."
  • I think you should have kept your nose out of opening your landlords mail. It was not addressed to you and so you had no right to open it, instead you should have taken it to the agency for them to deal with.

    How can your landlord represent themselves now they have no mail? How much more have you opened? What gives you the right to open mail just because you live in someones property- none.

    Because you were nosey you have now created a situation where you feel unconfortable as you are making suggestions about "what if this" and "what if that" to a legal matter which is none of your business.

    Very rarely do I post negatives on this forum as you will see if you look through my postings from previous. But what you have done is wrong and now you are left to deal with the consequences of your own insecurities.


    If it was addressed to the occupier, then the occupier has every right to open it. If it addressed to the homeowner, then it's different.

    And the OP may have 'created a situation' but personally, I'd rather know if I was going to be kicked out of my home in a months time, so that I can make other arrangements. Am sure the landlord knows that he has been doing something wrong, ie not paying. You can't say that he will be unaware of it as he isn't getting his post. And he obviously hasn't told the OP that there may be a problem and that they may be homeless in a month, so I think it's a good thing they opened the mail anyways.
  • Alleycat
    Alleycat Posts: 4,601 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I think you should have kept your nose out of opening your landlords mail. It was not addressed to you and so you had no right to open it, instead you should have taken it to the agency for them to deal with.

    How can your landlord represent themselves now they have no mail? How much more have you opened? What gives you the right to open mail just because you live in someones property- none.

    Because you were nosey you have now created a situation where you feel unconfortable as you are making suggestions about "what if this" and "what if that" to a legal matter which is none of your business.

    Very rarely do I post negatives on this forum as you will see if you look through my postings from previous. But what you have done is wrong and now you are left to deal with the consequences of your own insecurities.

    Sorry, but what a load of drivel. You are suggesting that the OP who is the Occupier do not open any letters addressed to the Occupier?! And that they have created a situation over legal matters that are none of their business?

    So what may well have happened if they had just forwarded these letters on, would have been to one day open their front door to a bailiff with a warrant for immediate possession. They would be thrown out onto the streets surrounded by all their worldly possessions with absolutely nowhere to go. Even though it is not the tenant's responsibility to pay the mortgage they have been shafted by their landlord. They have no legal rights whatsoever but I would definately say that it is their business seeing as it is their home.

    If it has got to the stage of court proceedings to repossess the property then I doubt the situation is rescuable. Even if the landlord did manage to sort things out and prevent the repossession, would you like to live in a property with absolutely no certainty of when you could be thrown out? If this landlord is missing mortgage payments maybe it is time he got out of the business.
    "I've fallen down a hole" - said in best Monty Python voice-over.
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