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facing eviction

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longtobefreofdebt
longtobefreofdebt Posts: 5 Forumite
Fourth Anniversary
in House buying, renting & selling
In feb we rented a house with a private landlord, we paid a years rent up front and also a £650 bond the young lady wanted a long term tenant and we wanted a forever home my husband and i are both 57 .fast forward 10 months and the house is being repossessed by the bank and she hasn't put our bond in to any scheme,so we lose 2 full months rent and our bond,and this person is a mortgage and pensions adviser
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Comments

  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Why do you lose 2 full months rent?

    You say
    is being repossessed by the bank
    but has a court actually issued a possession order and evicted you? If not, you simply stay for 2 months.

    Read:

    * Repossession: what if a LL's mortgage lender repossesses the property?

    You also always have the option to sue your ladlord, though he may of course have no assets to pay you when you win....
  • AnotherJoe
    AnotherJoe Posts: 19,622 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    You are never going to get a "forever home" renting, that's a wholly unrealistic expectation.

    As said you can stay for some time, it takes time for the legal niceties to work before anyone comes to physically evict you.
  • Pixie5740
    Pixie5740 Posts: 14,515 Forumite
    10,000 Posts Eighth Anniversary Name Dropper Photogenic
    AnotherJoe wrote: »
    As said you can stay for some time, it takes time for the legal niceties to work before anyone comes to physically evict you.

    Not that much time if on top of not protecting the deposit this cowbag LL has been letting the property without authorisation from the mortgage lender.

    She probably knew the writing was on the wall before this tenancy started which is why she asked for a full year of rent upfront and has kept the deposit as though it is her own money.
  • Crashy_Time
    Crashy_Time Posts: 13,386 Forumite
    10,000 Posts Seventh Anniversary Name Dropper
    Just aim to stay until the two months plus however long £650 covers is up, it will be very hard to legally evict you IMO. Get looking for a new house, and never pay a years rent up front again, or deal with a landlord that does not register deposits. Could be much worse, all this could have happened after the first couple of months?
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Crashy_Time wrote: »
    Just aim to stay until the two months plus however long £650 covers is up, it will be very hard to legally evict you IMO.
    Whether it will be hard to evict or not, how long it might take, and what action the tenant should take, is explained in detail in the link provided above.
  • Crashy_Time
    Crashy_Time Posts: 13,386 Forumite
    10,000 Posts Seventh Anniversary Name Dropper
    G_M wrote: »
    Whether it will be hard to evict or not, how long it might take, and what action the tenant should take, is explained in detail in the link provided above.


    Looks like by turning up early in the proceedings they can buy two months then?
  • Crashy_Time
    Crashy_Time Posts: 13,386 Forumite
    10,000 Posts Seventh Anniversary Name Dropper
    BTW I thought banks were treating repos differently than they did in the past, and doing everything in their power to keep the debt junkie afloat? Maybe the tenant could buy this property at auction or something?
  • anotheruser
    anotheruser Posts: 3,485 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Or stay... then you'll be on "Can't Pay, We'll Take It Away" :D
  • ap1985
    ap1985 Posts: 325 Forumite
    anotheruser wrote: »
    Or stay... then you'll be on "Can't Pay, We'll Take It Away" :D


    Love that program :)
    :jFinally going to be a homeowner:T
  • longtobefreofdebt
    longtobefreofdebt Posts: 5 Forumite
    Fourth Anniversary
    she is renting without the banks knowledge
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