Help: tenant in a house that is being repossessed

poppysarah

jennyj26uk wrote: »

Thanks for stating the obvious. Well this is the last time I visit these forums as I have had nothing but sarcy replies. I am going to stick to the advice citizens advice and the council have given me as they are on our side.

Don't post in an open forum if you don't want an open response.

And if the CAB and council have been SO helpful why are you here?

Prothet_of_Doom

jennyj26uk wrote: »

Thanks for stating the obvious. Well this is the last time I visit these forums as I have had nothing but sarcy replies. I am going to stick to the advice citizens advice and the council have given me as they are on our side.

Well apart from the fact that people were kind enough to post up links from the relevant bits of Shelter's Interwebsite and explain your legal rights, the only thing that the CAB will do differently is not be judgemental.

(Well they might be, but not to your face, they might just tell their partners when they return from a day of trying to help people who won't and don't take the advice they are given and then come back moaning 6 weeks later when the sHTF properly)

What you need to do, is take the good advice given, act on it and stop being prescious.

And just press the return button at the end

of


each



sentence.

And make them short.........er.

Road_Hog

jennyj26uk wrote: »

Thanks for stating the obvious. Well this is the last time I visit these forums as I have had nothing but sarcy replies. I am going to stick to the advice citizens advice and the council have given me as they are on our side.

Shut the door on the way out, bye.

Prothet_of_Doom

bebewoo wrote: »

So you didn't pay your rent causing your landlady to lose the house, and you are blaming everybody except yourself?
That's so cruel on your poor landlady, did not realise that she was most likely not a billionaire, and was instead using the rent to pay the mortgage? So no rent = no mortgage.

Indeed, this may be true, but the more we publicise things like this to potential BTL landlords, the more likely it is that we'll encourage them to be more responsible, to have a back up plan, maybe a buffer, to start evictions as soon as there are any arrears, to vet potential tennants better, to be honest with lenders etc etc. The more we can discourage amateurs, the better *


*note I am not a landlord, but have procrastinated for 24 months, thinking about it and saving for a deposit, and have learnt so much that I didn't know about the risks (most managable with thought)

Pixie5740

It sounds like you've got an amateur or reluctant landlord who probably hasn't lived up to their responsibilites but by not paying full rent on time you've not lived up to your obligations as a tenant.

I'm surprised that with such a large amount of rent arrears that you haven't been served with a section 8 notice by now. Yes, it might have been sensible for your landlord to discuss a payment plan or something since some money is better than nothing.

If you've found the landlord so terrible and you suspect that the property is going to be repossessed then the logical thing to do would be to start looking for somewhere else to live and once you've found somewhere give notice to your current landlord.

Gingernutty

gik wrote: »

You should go back and edit your post into paragraphs as it's fairly unreadable.

Gingernutty wrote: »

What was stopping you from doing that?

jennyj26uk wrote: »

In case you hadn't noticed I had a bit more to worry about than paragraphs and if you do not have anything helpful to say other than sarcy comments then do not bother replying at all!

Sorry, that was me having a go at gik for not doing what I just did.

G_M

I oo could not plough through the endless outpouring, but salient facts seem to be:

* you are in significant arrears. why? Did you approach your landlord in the week or 2 before you missed the 1st rent payment, as a responsible adult, to forewarn and discuss?

* you have now moved out - so the fact the LL's mortgage lender is a problem for the LL, but not for you

* you could be sued for the rent arrears though, by either the LL or the lender

* If you need info on impact of repo on tenants, read


Repossession (What happens if a landlord's mortgage lender repossesses the property?)

topdaddy_2

jennyj26uk wrote: »

Thanks for stating the obvious. Well this is the last time I visit these forums as I have had nothing but sarcy replies. I am going to stick to the advice citizens advice and the council have given me as they are on our side.

And try google, there isnt much in the way of useful stuff on here, you really do have seperate the wheat from the chaff:o

thequant

bebewoo wrote: »

So you didn't pay your rent causing your landlady to lose the house, and you are blaming everybody except yourself?
That's so cruel on your poor landlady, did not realise that she was most likely not a billionaire, and was instead using the rent to pay the mortgage? So no rent = no mortgage.

Scum Landlord, Scum Tenant. One has the lost their property, the other their home.


Sounds like the law around repossessions are working quite well here!

topdaddy_2

thequant wrote: »

Scum Landlord, Scum Tenant. One has the lost their property, the other their home.


Sounds like the law around repossessions are working quite well here!

Scum?? :mad: