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Landlord's property being repossesses - how long do I have?
Comments
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Thanks for the info. One of the problems is that the bank won't talk to me, so how can I find out if the landlord had permission to let the property?
Do you know if the landlord ever lived in the home himself?
If he didn't then downloading the deeds from the land registry site may give you a clue. It will tell you if the landlord's address is registered as being elsewhere. If it is then in all likelihood he has a BTL mortgage. Though if the address is your address you won't know if the landlord has CTL or not.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0 -
Do you know if the landlord ever lived in the home himself?
If he didn't then downloading the deeds from the land registry site may give you a clue. It will tell you if the landlord's address is registered as being elsewhere. If it is then in all likelihood he has a BTL mortgage. Though if the address is your address you won't know if the landlord has CTL or not.
Some mail that arrives is addresses to the landlady, including some bank mail, so I can only assume that she has lived there.0 -
If it were me I would assume that there isn't consent to let based on that letter. If there were consent you would be served proper notice as per the tenancy but I'd assume worst case to cover myself. You could ask the letting agent if they saw proof of consent to let - they should have checked especially if they are ARLA members as that's what they witter on an agent should do.
If you read the guidelines to the new Act linked to above I think that will give you the background in a reasonable to read way and then I'd be getting professional advice, Shelter or the like.
I thought from the new Mortgage Repossessions Act that the lender does have to take the tenant into account. I'd be writing to the bank letting them know you are the tenant and referring to the new Act and requesting they set the position out to you and I'd be copying the letter via my MP. You don't say how you've contacted the bank but I'd not stop at being fobbed off on the phone.
I hope you will come back and let us know how you get on. Good luck.0 -
I have paid rent up until September 20, so really don't want to apply for my 2 month extension until the very last moment.
I agree that you should phone Shelter for their advice.
Have you got house contents insurance with the optional extra of Legal Cover (sometimes called Family Legal Cover)? If you have, now might be the time to use this insurance so that you have legal representation. You will need to phone your insurers and ask for a claim form for the legal cover.
If you have to vacate before 20 September because the landlady didn't have Consent to Let, you should be able to claim your owed money and costs, back from the letting agent if the landlady doesn't own the home she lives in. They took money from you by deception.
Let us know how you get on.RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
Quick update. Phoned DPS - payment was never made so they cancelled the application (made by the agent). Agent says he passed cash to landlady. Can I claim this back from the agent through the courts?0
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