Tenancy agreements and then BR?

Maizy

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Ineedaname

I would keep paying the £50 per month on each but not the arrears. Others may suggest not paying anything towards gas and electric as it will be a different company when you move. Whatever you decide, all the debt accrued will fall into your BR when it happens.

As you are planning on going BR soon then I guess you could move and not provide a change of address to try and avoid being chased too much in the interim.

I don't think utility companies need a landlord's permission to instal pre-pay meters.

I think you can post the keys back as soon as you have left with a short letter just stating you are voluntarily relinquishing the house to the mortgage company. Make sure you don't sign anything accepting liability for any subsequent shortfall of course.

Hang in there regarding the tenancy and any possible BR clause. You aren't BR yet and when it happens just contact the landlord direct. I believe tenants renting via agencies now have the right to landlord's details (should be on the tenancy agreement) so you should be able to do that. Also means you can give the landlord's contact details to the OR and bypass the agent. Remember, your contract to rent is with the landlord, the agent is just acting on their behalf.

It's usually agents that don't like BR, agents that provide the contract and set the detailed T&Cs etc. But landlords just want a tenant in the property and rent paid! As long as you can say you will still be able to pay the rent every month then the landlord is unlikely to boot you out as that means more agency fees for finding and installing another tenant.

Maizy

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tigerfeet2006

The BR clause is there for LL whose tenants go BR owing them lots of money. It is not there to penalise people who pay on time and are good tenants.

mandyl

i dont have a br clause and i rent privately through an agent

NeverAgain_2

Your main responsibility is to look after the house and pay the rent - anything else is of little interest.

Someone somewhere might have been declared bankrupt one day and evicted the next, but I doubt it.

Experience of others suggests the OR may or may not want to contact your landlord.

If the OR does not, there is no reason why the landlord should be aware of your bankruptcy.

The OR will only want to contact the landlord to confirm your tenancy agreement and there are no arrears.

Nothing to stop you raising your concerns about that, and asking the OR if he will accept sight of your copy of the agreement and your bank statements/rent book as proof you are up to date.

If the OR does contact your landlord, there is little motivation for the landlord to throw you out.

Quite the reverse, changing tenants costs him money.

This really is one of those bridges you cannot cross until you reach it, but I think the chances of bankruptcy leading to eviction are remote.

Ineedaname

BR clause is usually something agents put in to protect the landlord, presumably thinking someone going BR would also default on their rent payments.

As you will not have long moved when you go BR, with luck your OR will not feel the need to contact your LL, as NA says.

See the bottom paragraph of this web page - it is your right as a Tenant to have LL details as well as agents details. If your OR does then wish to contact your LL they can do so direct, as can you to warn them, so bypassing any prejudice the agents may have towards BRs. LLs just want the property looked after and the rent paid, it wouldn't be in their best interests to boot you out if you are a good tenant.

Hope the move goes smoothly Maizy.

Teen_the_Drama_Queen

Hi Maizy

Things cracking on now I see, that's good news!

We signed a standard tenancy agreement (signed up for a year in Feb this year) and although it did have a clause mentioning BR, our OR never advised our letting agent and we never said anything to agent or landlord (who lives at opposite end of country to us).

We went BR at beginning of April and have not had a prob paying the rent - all we want to know now though is can we sign up for another year (the landlord had been trying to sell the property prior to our renting it - so we are hoping he will continue to rent it out).

Seeing packed boxes is a good feeling - its like a stepping stone to your new life ahead :T.

Maizy

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