Maybe jumping the gun, but something doesn't seem right with my landlady...

thesaint

I believe the OP already knew the answer to his "question", and came here for support for his plans. Coward.

JamesRichards

@thesaint the hint is in the title, i did have an idea, but i wanted a second opinion.

You can try call me what you like, but essentially you have just bumped up my thread about asking an innocent question about someone potentially committing fraud or being plain stupid?

Kynthia

JamesRichards wrote: »

@thesaint the hint is in the title, i did have a idea, but i wanted a second opinion.

You can try call me what you like, but essentially you have just bumped up my thread about asking an innocent question about someone potentially committing fraud or being plain stupid?

The only thing you have evidence of is that she went against the terms of her mortgage by moving out and letting the property. That's not fraud. It would be fraud if she had gotten a residential mortgage and never intended to live there. She might not be declaring the rental income for tax, but you don't know that. You know she protected your deposit and you know whether or not she got annual gas safety certificates.

societys_child

She's a witch, I tell you. Tie her to the ducking stool, followed by 30 lashes, then burn her at the stake.

moneyistooshorttomention

In your position - I'd do nothing if she'd been straight with me.

As she has mucked you around though (ie to sell or not to sell the house to you) then = fair enough and report her to mortgage company/HMRC/etc once you've safely got your deposit back.

G_M

It is none of your business.

She may or may not have failed to inform her mortgage lender - you don't know.

And even if you knew for sure, so what? It's a matter between her and her lender and does not affect you at all. Just as arrangements between you and your employer are nothing to do with her (beyond obtaining a reference efore granting you a tenancy).

Now, were she commiting a criminal offence that would be different, but you do not seem to be suggesting that she is (and have I suspect even less evidence).

Mind your own business!

JamesRichards

Her business is surely mine aswell if she's not being truthful to her lender about the property i rent?

fishpond

It is none of your business.

zagubov

You could just do what any grown-up would do, focus on getting suitable new accommmodation and get on with your life

benjus

Does it not affect the tenant if the landlord were to default on the mortgage? AIUI if there was no consent to let, the tenant would only have a couple of months to find somewhere new to live. OTOH if consent to let had been granted, the tenancy would have to be honoured by the lender.

It's pretty common for tenants to be advised to check that their landlord has consent to let from the mortgage lender. For example: https://www.theguardian.com/money/2014/jan/28/landlords-spotlight-avoid-getting-stung-renting-property

However, in this case, the OP should have acted 3 years ago if they were concerned. To act on it now would just be petty revenge.