Tenancy in joint names, questions

MinuteNoodles

Spaceman450 said:

What do you mean none of it will be written off in a bankruptcy?

its either all or half surely?

None of it is written off. When there is a joint tenancy or a joint mortgage or a joint bank loan or any other joint finance BOTH PARTIES ARE FULLY LIABLE FOR THE WHOLE AMOUNT. That means if one doesn't pay their share the other is liable for the full payment. Therefore if one person goes bankrupt or goes into an IVA then the other person is fully liable for the payments and arrears and can be pursued for those arrears and payment.

The only exception to the above rule is if someone has a credit card and gets an additional card for an additional named card holder. In that case then only the original account holder is liable for the full debt and there's no liability on the additional card holder.

bradders1983

I wouldn't bother giving the OP any more attention, according to his other thread he has no arrears anyway

https://forums.moneysavingexpert.com/discussion/6173390/ll-attempt-to-threaten-and-discredit/p1

Spaceman450

I never claimed I didn’t have rent areas

i haven’t paid rent since March like millions of others we are in dire financial difficulties due to the global crisis 

bradders1983

Nice try. Go away.

D3xt3r5L4b

Spaceman450 said:

I never claimed I didn’t have rent areas

i haven’t paid rent since March like millions of others we are in dire financial difficulties due to the global crisis 

Speak for yourself 

MinuteNoodles

Spaceman450 said:

i haven’t paid rent since March like millions of others we are in dire financial difficulties due to the global crisis 

Those who didn't spend all their money the minute it hit their banks and built up a 3-6 month emergency fund aren't. Millions of those in low paid jobs everyone used to look down on are now in the most secure positions for employment in the entire country. The number of people applying for mortgage and loan payment holidays are actually very low.

No doubt whilst not paying rent you found the ability to order stuff from Amazon and Ebay though which, if you really couldn't have afforded the rent and weren't just taking advantage you couldn't afford to do could you?

Spaceman450

What is harassment?

The law says it is harassment if a landlord or his agent does anything to interfere with the peace or comfort of a tenant, or acts with the intention of making them leave. Harassment can come in many forms, for example:

• threatening to evict someone without going through the correct legal procedure
• threatening violence
• disconnecting the electricity, gas or water supply
• entering the home without permission.

What is illegal eviction?

Your legal rights about eviction will depend on the kind of agreement you have with your landlord. But usually the landlord must first give you proper notice to leave. Most private tenants are entitled to at least two months’ notice. Even when a notice has run out, the landlord will usually need to get a court order before having a legal right to evict you. If your landlord forces you out or changes the locks before that stage, this could be an illegal eviction.

What should the council do?

If you are being harassed and believe your landlord may want to evict you illegally, or if you have already been evicted, you can ask the council for help. The council should advise you about your housing rights and options. Some councils also have tenancy relations officers who deal specifically with harassment and illegal eviction cases.

The council has powers under the Protection from Eviction Act 1977 to investigate complaints of harassment and illegal eviction, and to prosecute a landlord where he or she commits an offence. But the council has no power to make a landlord reinstate an illegally evicted tenant or to help with a claim for damages against a landlord. So you may also need to seek advice from a solicitor or law centre about pursuing those matters.

Slithery

I'm not sure why you posted that, none of it applies in your case.

Spaceman450

Slithery said:

I'm not sure why you posted that, none of it applies in your case.

How on earth could it not apply?

it absolutely applies 100% to the harassment my LL is putting us through 

I know it’s a hard time for everyone at the moment but some of us are going through particularly hard times right now

yksi

It's not harassment to ask you for your rent money, to tell anyone they like that your rent money is late, or to send you S21 or S8 notices.

But some people have got very hard skulls and seem to think if it's not their fault they lost a job then they're no longer responsible for paying their rent. Hot tip: you are. Not your fault but still your responsibility. Learn the difference and do something about it instead of looking for ways to escape paying back what you OWE.