Acent Contact:Proposed LPA Receviership letter

keithnone

Hi I was wondering if someone could give me some advice in regards to the above title topic.

I'm currently renting privately (6 month short term tenancy agreement/the correct term has escaped me atm). I'm only 6 weeks into this contract. However last week I received a hand delivered letter from Ascent Contact (I missed their agent). The letter was addressed to 'Occupier' Proposed LPA Receivership

Basically the letter is saying that: 'Birmingham Midshire are considering whether to appoint a Law of Property Act receiver over the Property'. Therefore the client [Birmingham Midshire]is asking Ascent Contact to assess whether or not a receiver should be appointed. The letter goes on to mention if a receiver is appointed that: all rents (outstanding at that date) become due and payable to the receiver.

Now that seems all pretty much straight forward enough! However once I emailed Ascent's agent: He replied asking for my phone number; as to call me! I replied telling him: I preferred email. (I thought letter was maybe a scam or sorts at first). And now I haven't heard back from him since (over 1 week ago). I emailed he again a few days later, and still no reply.

I'm wondering does he need more information to confirm that: I have a legal tenancy for 6 months? (I know if my current rental home is repossessed from the LL that: the lender then has a legal duty to my 6 months tenancy agreement).

In summary: I'm slightly worried that Ascent Contact agent might be intentionally ignoring my emails; then telling the lender that; he couldn't make (or reasonable) contact with tenant, or there isn't one. Then I come home one day to find the locks are changed.

The letter also mentioned 'considering whether to appoint a LPA receiver' Any idea what that might mean in reality? Are they going to give the LL another chance? Or sell to another LL?

ps; I've also contacted the letting agency; but they gave me some lame excuse about not understanding the letter and said they will get back to me! :rotfl: I also contacted the CAB. They were nice but not really helpful (they suggested I contact the letting agent, and then filling out a council housing form).

pss; I am in Scotland (I realise the law is slightly different)

wantonnoodle

Sounds to me like the LL hasn't paid his mortgage, and they're looking to repossess the property.

While I've not had the experience of a repossession, I did have something equally, if not more scary, in that our rented flat some years ago was seized by the Serious Organized Crime Agency (SOCA) as the LL was involved in money laundering for the IRA.

From my experience, as much as you may be concerned, I would speak to them on the phone. It's a much less painful process as you can get reassurance straight away and avoids the silences that you get and the waiting associated with email.

keithnone

Just a quick update: I tried emailing Ascent (no reply) so I finally phoned Ascent (start of June). They couldn't give me a straight answer due to data protection; however the person I was speaking too; informed me that "The collection agent; will not be back" "Well not in the near future, anyhow". So I can only speculate that the land lord has come to arrangement with the lender. No doubt the land lord was in a better position due to a sitting tenet (with a 6 months tenancy agreement!)

Typically the renter (me) is of little importance in these matters. But thought I would still share this information for others whom might find themselves in a similar situation. (as information online is few and far between on this subject, and my local CAB were less knowledgeable with this matter then myself).

If you find one of these letters through your door? My advice is to make sure the debt collecting agency is aware of your tenancy agreement! Preferable via email (physical proof) as the agent is likely to reply requesting your phone number; as to speak with you (the content of phone calls are merely hearsay in my opinion) CAB should be the next stop ASPA. And remember the debt collection agency's number one priority is the outstanding debt and not the tenet.

Just my opinion and experience. Far better to seek more knowledgeable sources.