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How to sue a landlord for harassment & info. r.e. a section 8 please!
caela_2
Posts: 392 Forumite
Hi guys,
This is a bit of an awkward one so I'll try to explain. We moved into a shared house and paid 2 month's rent up front (£900). This was for 2 rooms at £225 each. Our monthly rent for both rooms is £450.
When we moved in, there were 4 of us and one guy was struggling to pay his rent. We have a private landlord who we deal direct with and with the tenant unable to pay his rent, the landlord began calling us about it as well as calling the tenant. The landlord was initially introduced to this tenant via us, as he was a friend of ours also looking for accommodation but we were in no way responsible for him other than we had helped set up the arrangements (introducing them etc.)
We pressured our friend to find a job and pay his rent, but he was unable to do so and paid £300 in total- that is £210 for his room for one month and £90 left over for some reason (this is as we understand it). Obviously, once the first month was up, the landlord wanted the rest of his next month's payment. To be honest, it's complicated because this friend lied to us so much about what was going on. Anyway, the landlord is now coming round a lot without notice to harass this guy into leaving and telling him, since he had not signed a contract and not paid that he had to get out. Our friend was finally forced to sleep in lounge, having been evicted from his room, so obviously everyone's enjoyment was affected as this guy is now taking up the lounge and we've had the landlord busting in and out of the house causing a ruckas. Anyway, our friend finally leaves the house after staying a while in the lounge and the landlord says he will not return the outstanding £90 because he suspected the guy was still in the house. The thing is, as it was a shared house and we didn't really want this guy to be homeless, we said it was ok (even though mostly he did it anyway) for him to sleep in the lounge. It then got to the point where we were fed up and told him to get out. This guy finally leaves and he's obviously angry at the landlord for being evicted without due course but really we're not too sympathetic because he should have sorted it out.
So this is the start of the harassment really, because the landlord kept coming round unannounced to check what our house-mate was doing and this happened even if you asked him to leave it a day or two. Being a shared house, we weren't really sure if he had to give all of us a day's notice before coming round, or if he just had to give this housemate the notice, or if he didn't need to give the housemate any notice since he was contracted or paying rent so didn't theoretically live there. But, having since spoken to the council, they said if someone pays rent and acts out a contract on both sides they form a landlord/ tenant relationship and by default, enter an AST. So, that means this guy was contracted and was illegally evicted. Whilst the landlord didn't physically remove him, he came round and explicitly said he was locking up this guy's room and also said to me on one occasion that he had no problem 'removing' him from the property (i.e. physically kicking him out) as he wasn't really a tenant. However, this seems to be untrue. Whilst this is a boring and drawn out point, it is only the start of the harassment and I wanted to know if it counts because it enters into an illegal eviction claim. Basically, if this guy had been paying rent and thereby entered a contract regardless of if one was signed or not, then the landlord should have taken him to court with either a section 21 or section 8 to remove him from the property and after locking up this guy's room, regardless of whether he was still sleeping in the lounge, he should have returned his money as he didn't have use of his room and was staying there kinda as our friend. I'm not too sure how it stands.
Anyway, this goes on and all the time, we are asking the landlord for our contract which we signed. He said at the time we signed it that he was waiting for all tenants to sign it before he'd give us a copy otherwise he'd have made up too many contracts (or some other bull). Anyway, excuse after excuse prevails and the only person to have a contract is our other housemate who insisted she needed it for her university course and only got it after some effort. She then gave us a copy, but the landlord still hasn't and it's been months.
When we moved in, he was finishing some work and we obviously wanted him to get it done and he was in a hurry so no-one said anything to him coming round whenever to do the works as long as he was courteous. This was kinda an unwritten, unspoken agreement. Then, he continues to come round, to complete any work, month's later, again, without notice. By this time we've settled into the house and it's getting annoying. My boyf also looses his job, so we ask him if he can cut our rent by letting us only the one room until we are back on our feet or if we can pay him later. Obviously, he's angry about this and says no and again threatens us like the previous housemate that perhaps we should seek alternative accommodation if we cannot pay. This begins 2 weeks into the second month we are renting from him. Now, this is complicated again. Because we paid 2 month's rent upfront, we don't actually owe him rent until the third month. But, we had verbally agreed this money was the first and LAST month's rent, so he starts harassing us about it 2 weeks into the second month (or earlier) even though in theory, we are not actually in debt to him. If that makes sense.
Anyway, on his regular unannounced visits to the house, he decides the lounge is untidy and the place smells of cats (he allowed us to have cats). He says he is taking back our second room from us and that he will lock up the lounge. He doesn't give a date. He then comes round before Christmas (a few days) and I hear banging thinking someone is at the door. I run down in my nighties (it's 10am on a Sat morning) and there is his workman in our lounge, installing a lock on the door (all our stuff is in the lounge and it is mainly our furniture save his 2 sofas). I tell him if he locks the door I'll break it down because my things are there and he says the landlord is on his way, so I call to tell him he's not coming in. He then says 'tough I'm at the door already' and let's himself in with the key. I told him leave or I'll call the police and he said fine do it kinda thing, so I call the police (non-emergency) and they come round. He runs away then returns thinking they're not coming but they are there and whilst they say it's a civil matter and initially take his side, they get to know us and say if they had a landlord like that, they'd just walk, although we explained it wasn't so easy as we'd been looking for places.
Anyway, we had also complained to the council about him he gave him an official warning about coming round all the time and said he has to give us one day's written notice, as did the police warn him too. We then find out he's sine been in the house and changed a lock on my old house-mate's door (why?). Anyway, this reminds me we had actually found him in the house before, when he knocked on my boyfriend's door and then when my boyfriend did come out to see who it was he found the landlord in our downstairs hallway milling around. Obviously, he has been letting himself in when we are not there.
Ok, so remember this is days before Christmas and in front of the police, he threatens to come back to finishing locking up the lounge, even though this is part of our rental agreement and a communal room, so thereby illegal eviction (from part of the property). He later sends someone round who takes the sofas from the lounge (his sofas) and refuses to lock the room and blatantly think the landlord is mad by the look on his face lol, apologises and leaves. He also confirms the house is no longer messy and doesn't smell of cats, seeing as I cleaned it immediately.
Oh yeah and we also find out the landlord has put all the bills in my name. Ok, so now we have no lounge and Christmas is coming and he's constantly threatening us with eviction and entering the house and I'm worried because when I'm out, our cats are there and he might let them out or who knows what this guy is crazy I don't want him in our house.
So needless to say, Christmas is so stressed it's nearly cancelled, we're pretty much suicidal with my boyfriend saying he was going to throw himself under a train and I've already got mental health problems. My boyfriend did manage to find a job and I even tried to arrange payment with the landlord but he made every excuse not to, one even being it was his mum's funeral. We then decide, after all this, we're not paying him and not only that, I want our money back and compensation.
This will also cover the damages to our property to his disrepair including the kitchen constantly flooding with sewage and damaging our clothes (which were in a laundry pile in the kitchen) and ruining my mop and bucket and standing dustpan which the workman used to clean the excrement with. I also missed a lot of work due to his harassment as we were constantly at home defending the house or searching for anywhere else to live. We were also left to clean the raw sewage ourselves, no cleaner was given. So I'm cleaning raw sewage at best, with marigolds, kitchen towels and some disinfectant which I don't know how much to use or if it's killing the germs. I also have OCD and have been washing my hands SO much now because of this that I think it's returning. I can also never sleep because every little knock I hear I think is the landlord coming in or at the door so I have to get up and check or I wake up to listen. We've had to lock ourselves in the house as best we can and put things against the door to try to keep him out.
I swear I'm nearly at the end of this lol. We recently got a section 8 for not paying rent and were wondering how we can deal with this. We've now found a new place, just waiting on it and we are refusing to pay him rent because I want the money back (oh yeah I'm allergic to mold as well and he lied and said there wasn't any but there is a massive damp and mold problem downstairs), so he's misrepresented the house as well as given us NO peaceful enjoyment of it from day one. So what can we do? How can I take him to court, there is virtually no information saying what court to use, I know you can't use small claims, or how to submit a claim. How to counter act the section 8 and explain ourselves? Oh yeah, the section 8 also lies about how much rent we owe him (it says it's £240 a month per room, which it's not, it's £225 and it includes both rooms even though he told us to leave one of them which we did, so we should be paying only £225/ month now). Any help please- ONLY legal stuff like how we can take this to court and procedural stuff, not judging opinions please this isn't Jeremy Kyle lol.
This is a bit of an awkward one so I'll try to explain. We moved into a shared house and paid 2 month's rent up front (£900). This was for 2 rooms at £225 each. Our monthly rent for both rooms is £450.
When we moved in, there were 4 of us and one guy was struggling to pay his rent. We have a private landlord who we deal direct with and with the tenant unable to pay his rent, the landlord began calling us about it as well as calling the tenant. The landlord was initially introduced to this tenant via us, as he was a friend of ours also looking for accommodation but we were in no way responsible for him other than we had helped set up the arrangements (introducing them etc.)
We pressured our friend to find a job and pay his rent, but he was unable to do so and paid £300 in total- that is £210 for his room for one month and £90 left over for some reason (this is as we understand it). Obviously, once the first month was up, the landlord wanted the rest of his next month's payment. To be honest, it's complicated because this friend lied to us so much about what was going on. Anyway, the landlord is now coming round a lot without notice to harass this guy into leaving and telling him, since he had not signed a contract and not paid that he had to get out. Our friend was finally forced to sleep in lounge, having been evicted from his room, so obviously everyone's enjoyment was affected as this guy is now taking up the lounge and we've had the landlord busting in and out of the house causing a ruckas. Anyway, our friend finally leaves the house after staying a while in the lounge and the landlord says he will not return the outstanding £90 because he suspected the guy was still in the house. The thing is, as it was a shared house and we didn't really want this guy to be homeless, we said it was ok (even though mostly he did it anyway) for him to sleep in the lounge. It then got to the point where we were fed up and told him to get out. This guy finally leaves and he's obviously angry at the landlord for being evicted without due course but really we're not too sympathetic because he should have sorted it out.
So this is the start of the harassment really, because the landlord kept coming round unannounced to check what our house-mate was doing and this happened even if you asked him to leave it a day or two. Being a shared house, we weren't really sure if he had to give all of us a day's notice before coming round, or if he just had to give this housemate the notice, or if he didn't need to give the housemate any notice since he was contracted or paying rent so didn't theoretically live there. But, having since spoken to the council, they said if someone pays rent and acts out a contract on both sides they form a landlord/ tenant relationship and by default, enter an AST. So, that means this guy was contracted and was illegally evicted. Whilst the landlord didn't physically remove him, he came round and explicitly said he was locking up this guy's room and also said to me on one occasion that he had no problem 'removing' him from the property (i.e. physically kicking him out) as he wasn't really a tenant. However, this seems to be untrue. Whilst this is a boring and drawn out point, it is only the start of the harassment and I wanted to know if it counts because it enters into an illegal eviction claim. Basically, if this guy had been paying rent and thereby entered a contract regardless of if one was signed or not, then the landlord should have taken him to court with either a section 21 or section 8 to remove him from the property and after locking up this guy's room, regardless of whether he was still sleeping in the lounge, he should have returned his money as he didn't have use of his room and was staying there kinda as our friend. I'm not too sure how it stands.
Anyway, this goes on and all the time, we are asking the landlord for our contract which we signed. He said at the time we signed it that he was waiting for all tenants to sign it before he'd give us a copy otherwise he'd have made up too many contracts (or some other bull). Anyway, excuse after excuse prevails and the only person to have a contract is our other housemate who insisted she needed it for her university course and only got it after some effort. She then gave us a copy, but the landlord still hasn't and it's been months.
When we moved in, he was finishing some work and we obviously wanted him to get it done and he was in a hurry so no-one said anything to him coming round whenever to do the works as long as he was courteous. This was kinda an unwritten, unspoken agreement. Then, he continues to come round, to complete any work, month's later, again, without notice. By this time we've settled into the house and it's getting annoying. My boyf also looses his job, so we ask him if he can cut our rent by letting us only the one room until we are back on our feet or if we can pay him later. Obviously, he's angry about this and says no and again threatens us like the previous housemate that perhaps we should seek alternative accommodation if we cannot pay. This begins 2 weeks into the second month we are renting from him. Now, this is complicated again. Because we paid 2 month's rent upfront, we don't actually owe him rent until the third month. But, we had verbally agreed this money was the first and LAST month's rent, so he starts harassing us about it 2 weeks into the second month (or earlier) even though in theory, we are not actually in debt to him. If that makes sense.
Anyway, on his regular unannounced visits to the house, he decides the lounge is untidy and the place smells of cats (he allowed us to have cats). He says he is taking back our second room from us and that he will lock up the lounge. He doesn't give a date. He then comes round before Christmas (a few days) and I hear banging thinking someone is at the door. I run down in my nighties (it's 10am on a Sat morning) and there is his workman in our lounge, installing a lock on the door (all our stuff is in the lounge and it is mainly our furniture save his 2 sofas). I tell him if he locks the door I'll break it down because my things are there and he says the landlord is on his way, so I call to tell him he's not coming in. He then says 'tough I'm at the door already' and let's himself in with the key. I told him leave or I'll call the police and he said fine do it kinda thing, so I call the police (non-emergency) and they come round. He runs away then returns thinking they're not coming but they are there and whilst they say it's a civil matter and initially take his side, they get to know us and say if they had a landlord like that, they'd just walk, although we explained it wasn't so easy as we'd been looking for places.
Anyway, we had also complained to the council about him he gave him an official warning about coming round all the time and said he has to give us one day's written notice, as did the police warn him too. We then find out he's sine been in the house and changed a lock on my old house-mate's door (why?). Anyway, this reminds me we had actually found him in the house before, when he knocked on my boyfriend's door and then when my boyfriend did come out to see who it was he found the landlord in our downstairs hallway milling around. Obviously, he has been letting himself in when we are not there.
Ok, so remember this is days before Christmas and in front of the police, he threatens to come back to finishing locking up the lounge, even though this is part of our rental agreement and a communal room, so thereby illegal eviction (from part of the property). He later sends someone round who takes the sofas from the lounge (his sofas) and refuses to lock the room and blatantly think the landlord is mad by the look on his face lol, apologises and leaves. He also confirms the house is no longer messy and doesn't smell of cats, seeing as I cleaned it immediately.
Oh yeah and we also find out the landlord has put all the bills in my name. Ok, so now we have no lounge and Christmas is coming and he's constantly threatening us with eviction and entering the house and I'm worried because when I'm out, our cats are there and he might let them out or who knows what this guy is crazy I don't want him in our house.
So needless to say, Christmas is so stressed it's nearly cancelled, we're pretty much suicidal with my boyfriend saying he was going to throw himself under a train and I've already got mental health problems. My boyfriend did manage to find a job and I even tried to arrange payment with the landlord but he made every excuse not to, one even being it was his mum's funeral. We then decide, after all this, we're not paying him and not only that, I want our money back and compensation.
This will also cover the damages to our property to his disrepair including the kitchen constantly flooding with sewage and damaging our clothes (which were in a laundry pile in the kitchen) and ruining my mop and bucket and standing dustpan which the workman used to clean the excrement with. I also missed a lot of work due to his harassment as we were constantly at home defending the house or searching for anywhere else to live. We were also left to clean the raw sewage ourselves, no cleaner was given. So I'm cleaning raw sewage at best, with marigolds, kitchen towels and some disinfectant which I don't know how much to use or if it's killing the germs. I also have OCD and have been washing my hands SO much now because of this that I think it's returning. I can also never sleep because every little knock I hear I think is the landlord coming in or at the door so I have to get up and check or I wake up to listen. We've had to lock ourselves in the house as best we can and put things against the door to try to keep him out.
I swear I'm nearly at the end of this lol. We recently got a section 8 for not paying rent and were wondering how we can deal with this. We've now found a new place, just waiting on it and we are refusing to pay him rent because I want the money back (oh yeah I'm allergic to mold as well and he lied and said there wasn't any but there is a massive damp and mold problem downstairs), so he's misrepresented the house as well as given us NO peaceful enjoyment of it from day one. So what can we do? How can I take him to court, there is virtually no information saying what court to use, I know you can't use small claims, or how to submit a claim. How to counter act the section 8 and explain ourselves? Oh yeah, the section 8 also lies about how much rent we owe him (it says it's £240 a month per room, which it's not, it's £225 and it includes both rooms even though he told us to leave one of them which we did, so we should be paying only £225/ month now). Any help please- ONLY legal stuff like how we can take this to court and procedural stuff, not judging opinions please this isn't Jeremy Kyle lol.
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Comments
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Unless I missed it in this epic post, you have not described key facts
*is this Eng/Wales
* does the LL live there too?
* what contract(s) do you have? One 'joint and several' which you all signed, or individual ones?
* shared house? How many people? how many households? how many stories?
* start date/period/end date of contracts?
* did you actually pay 2 months rent up front, or 1 monh plus a months deposit?
* is the deposit registered?
* are bills included in rent or not?0 -
Unless I missed it in this epic post, you have not described key facts
*is this Eng/Wales
* does the LL live there too?
* what contract(s) do you have? One 'joint and several' which you all signed, or individual ones?
* shared house? How many people? how many households? how many stories?
* start date/period/end date of contracts?
* did you actually pay 2 months rent up front, or 1 monh plus a months deposit?
* is the deposit registered?
* are bills included in rent or not?
Lol can't believe I missed all that in my saga of a post haha. Erm, it's Wales, LL doesn't live here, AST contract (joint)- we all signed, 3 people left in the house all annoyed with him (me and my boyf and another person), contract 6 months to march he has admitted to council he is trying to re-let for jan, no paid 2 month's rent no deposit no scheme, no bills included although it wasn't discussed.
Phew! x0 -
So - the guy in question is not in arrears - you all are. Since you have a single tenancy, the LL neither knows nor cares who pays/who doesn't. You (all) have a joint responsibility to ensure the full rent is paid. You do not just have responsibility for your 'own' portion.
Utlilities are your (joint) concern. If you wish o use electricity, you need to set up a contract with an electricity supplier. Whether it is in your name, or one of the others, is up to you (jointly) to decide. But when granting a new tenancy, most LL will cancl their own supply contract for gas/electricity, and often give the supplier the name of the new occupant. Strictly speaking the tenant should then set up an account, but some supplier just start billing the new tenants. What do you expect? You are using leccy aren't you? Unless the tenancy agreement specifically says electricity is included (very unusual), you are responsible.
Landlord coming round. You can stop this.
a) write to him (yes WRITE) at the address on your tenancy agreement 'for the serving of notices' telling him that if he wants to visit you require i) 24 notice in writing and ii) the date/time to be agreed by you at your convenience.
b) change the barrel of the lock. It costs £5 to change a yale barrel - keep the old one to replace when you leave
How can your 'friend' be 'evicted' from his room? By you? By the LL? LL has no right to decide who stays/does not stay - there is a contract.
Pay your rent. I don't mean you personally pay your share. I mean you jointly pay the full rent owed according to the contract. If your 'friend' cannot contribute, it is down to the rest of you to decide how to find the full rent.
The impression you give, however, is of something more like a HMO, since the LL seems to be coming/going as he wishes, and locking up individual rooms. Hence my earlier unanswered question:
An HMO has different rules and the LL can access communal areas freely. But also has many extra responsibilities (fire, bathrooms etc) and needs to get it registered.* shared house? How many people? how many households? how many stories?
If NOT an HMO, then why are you letting the LL just come and go like this, lock rooms, remove furniture?
Is there an inventory? Was it agreed at the start and did you sign it. If furniture has been removed, has the inventory been amended?
Stopping paying rent just puts you in rent arrears and means LL can sue you.
Since your contract is till March you cannot leave, or stop owing rent, till March unless you reach an agreement with the LL (which you should get in writing.
If LL is 'trying to re-let for Jan', he can't. As above, only by agreement with you. How will he show the property to prospective tenants if you deny access (see advice on letter/locks above). Whether he advertises it is not your business, but access is.
Repairs and maintenance issues should be dealt with separately (they do not excuse non payment of rent. Either follow the Shelter advice, or in severe cases (eg health hazards) contact Environmental Health at the council.0 -
Pay your rent or move out - simple! You say you don't want him in YOUR house - it's not your house. You have a contract that will say you pay rent and he will give you quiet enjoyment of the property. You sound a nightmare and if the house is that bad - why do you want to live there? Pay up or leave, blablablagggger0
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Pay your rent or move out - simple! You say you don't want him in YOUR house - it's not your house. You have a contract that will say you pay rent and he will give you quiet enjoyment of the property. You sound a nightmare and if the house is that bad - why do you want to live there? Pay up or leave, blablablagggger
That is highly unhelpful advice. OP is tied into a contract and has to continue paying his rent irrespective of whether he moves out. If he stops paying rent without getting the LL's agreement to early surrender in writing, he faces a court action and then CCJ if he fails to pay the court order.0 -
There are wrongs on both sides, but rent arrears and trying to end the contract early without consent is a recipe for disaster.0
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Pay your rent or move out - simple! You say you don't want him in YOUR house - it's not your house. You have a contract that will say you pay rent and he will give you quiet enjoyment of the property. You sound a nightmare and if the house is that bad - why do you want to live there? Pay up or leave, blablablagggger
Thanks for the intricate legal advice, you obviously went over my post with a fine toothed comb and came out with that gem. I have been trying to leave, as I said, although it's not easy. We have now found a place.
As for it being his house, NO he is the legal owner but not the legal occupier- when we are living there and are on a contract, it's OUR house, so yes I was right first time round. We have been paying rent, as I said but have withheld these past couple of month's because he's been acting illegally and we see no reason to pay him when we shall be asking for our money back and we have been financially affected by damages to the house. However, he has been coming round since day one, as I said in my post, a useful point of reference before you start commenting on something you obviously know nothing about.
We DON'T want to live here, hence I've been saying how stressed out we've been.
Last question, why don't you READ A THREAD before you comment on it? Simple.0 -
There are wrongs on both sides, but rent arrears and trying to end the contract early without consent is a recipe for disaster.
Sorry forgot to mention the landlord wants us out he has asked us to leave and tried to evict us from certain rooms in the house because he wants to re-let in Jan. So basically, we have found a place and are moving asap to avoid this maniac, but he has confirmed both with us and the council that we may leave before the end of our tenancy. Also, like I said, he's served a section 8- notice to quit.
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Is sounds like a nightmare for all of you and that the situation has got out of hand. A couple of points to remember though:
While the landlord seems to be acting slightly manic I understand his frustrations. From the sound of it 3 out of 4 tenants (and we don't know about the 4th) haven't paid their rent since their initial payment (which would have been one month payment and deposit). Unfortunately for you you are not just responsible for your own rent. If you have one contract then you are all jointly liable for the rent for the whole house (assuming all rooms are 225 that would mean that the house rent is £900 a month which you all owe) It doesn't matter if you and your boyfriend only occupy one room if two rooms are empty it means that the two rooms being occupied rent is £450 a month as you need to also cover the two vacant rooms. It also means that you are racking up arrears very very quickly.
If it is a shared house the landlord doesn't need to give notice for the shared rooms - the only rooms he cannot access without permission is the individual bedrooms ALTHOUGH IT IS COMMON COURTESY TO REQUEST PERMISSION ANYWAY.
By all rights the landlord could have left your non paying housemate in the house and sue you for his non rent payment as between whoever lives there they owe £900 a month rent - it doesn't matter who pays it you are all liable.
The maintenance is a seperate issue and you cannot withhold rent - you can get environmental health involved to get him to make repairs but you cannot withold rent.
It sounds as though there has been a complete breakdown in the relationship and it won't recover so it is best for everyone if you leave however I am not sure a court case would go how you want it to. depending how long you have lived there times £900 by the amount of months you live there and deduct the rent that has been paid by the housemates and that is what you will owe e.g. if you have been there for 4 months the rent owed is £3600 - the rent paid (£300 by gone tenant, £900 from you, £900 from other tenant assuming he has paid his rent for all 4 months) you would owe the landlord £1500.I am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
The first thing is, you do not understand the law as regards rental agreements. You ramble, include a lot of irrelevant points to back up your case which actually don't, and do not understand your rights and obligations. Have a look around landlordzone and the shelter websites and get educated for a start.
Secondly, you do not understand the law about harrassment. You do not sue, you take out a restraining order. again, google is your friend, go and get educated.
thirdly, re: MSE forum etiquette - if you do not agree with a poster, even if they are on a wind up mission, put them on ignore. Ranting back at the WUMs makes you look terrible. Ignore button. It's what it's made for.
I cannot imagine why you want to counter the section 8, neither you nor the landlord will be happy with you in his house. your OCD is going crazy and he isn't getting any rent. I would talk to Shelter about the situation and finding more appropriate housing for your needs.Debt free 4th April 2007.
New house. Bigger mortgage. MFWB after I have my buffer cash in place.0
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