Help! Evicting a nightmare lodger!

Type_45

Does anyone have any knowledge about the requirement for Planning Permission? 
The council were asked by email, and their response was "you need to make that decision having read all of this.." followed by links to various sites.

Is this a serious issue? 

theoretica

Type_45 said:

Does anyone have any knowledge about the requirement for Planning Permission? 
The council were asked by email, and their response was "you need to make that decision having read all of this.." followed by links to various sites.

Is this a serious issue? 

What do you think, having read the various links carefully?

Ratkin007

See the Management of housing regulations for responsibilities -  https://www.legislation.gov.uk/uksi/2006/372/contents/made 
Forum members are generally very helpful but the advice offered will be limited if limited information is provided. As you can see, people do look online and provide various links. Providing the Local Authority area enables people to give more specific advice, it does not reveal the location of the property. with regards planning permission, if that relate to permission for use as a HMO, that is possibly dependent on whether there is an article 4 direction.
You may also want to look at Civil penalty notices for breaches of hmo regulations. 
As someone else has mentioned look at the lacors fire safety guide. That provides guidance on fire safety measures including what is required for an escape window. 2nd floor windows are not considered escape windows. And I'm not sure rope ladders are a good idea.

Type_45

pinkshoes said:

Having been a lodger in the past, I was under the impression that you can only have TWO lodgers and a third lodger would trigger the HMO requirements! My "live in" landlady generally only stayed 1 or 2 nights a week as she worked in London and tended to stay with her boyfriend there. 

Also, if you have more than 2 lodgers, this normally requires you to notify your mortgage lender, as lots of lenders have a clause about more than 2 lodgers. 

I would tread very carefully here... 

I'm not sure the level of mortgage this house has. It's certainly not a large mortgage.

But what's the worst case scenario regarding what a mortgage lender can do of they find out that a borrower has had 3 lodgers? 

Fines? Invalidation of insurance? Withdrawal of mortgage? Prison sentence? 

[Deleted User]

Type_45 said:

pinkshoes said:

Having been a lodger in the past, I was under the impression that you can only have TWO lodgers and a third lodger would trigger the HMO requirements! My "live in" landlady generally only stayed 1 or 2 nights a week as she worked in London and tended to stay with her boyfriend there. 

Also, if you have more than 2 lodgers, this normally requires you to notify your mortgage lender, as lots of lenders have a clause about more than 2 lodgers. 

I would tread very carefully here... 

I'm not sure the level of mortgage this house has. It's certainly not a large mortgage.

But what's the worst case scenario regarding what a mortgage lender can do of they find out that a borrower has had 3 lodgers? 

Fines? Invalidation of insurance? Withdrawal of mortgage? Prison sentence? 

Potentially the lender could:

• Revoke his loan and ask for immediate redemption of the mortgage
• Automatically change the rates to a higher amount that reflects their current Buy-to-let/HMO products
• Enforce financial penalties

getmore4less

juliedee4663 said:

wannabe_a_saver said:

You are very invested in your friend's poorly thought through business venture! 

I'm beginning to wonder if they are indeed two different people!

I thought the OP was just an interfering mum that has strayed from the other place.

Type_45

Lover_of_Lycra said:

Type_45 said:

pinkshoes said:

Having been a lodger in the past, I was under the impression that you can only have TWO lodgers and a third lodger would trigger the HMO requirements! My "live in" landlady generally only stayed 1 or 2 nights a week as she worked in London and tended to stay with her boyfriend there. 

Also, if you have more than 2 lodgers, this normally requires you to notify your mortgage lender, as lots of lenders have a clause about more than 2 lodgers. 

I would tread very carefully here... 

I'm not sure the level of mortgage this house has. It's certainly not a large mortgage.

But what's the worst case scenario regarding what a mortgage lender can do of they find out that a borrower has had 3 lodgers? 

Fines? Invalidation of insurance? Withdrawal of mortgage? Prison sentence? 

Potentially the lender could:

• Revoke his loan and ask for immediate redemption of the mortgage
• Automatically change the rates to a higher amount that reflects their current Buy-to-let/HMO products
• Enforce financial penalties

Quite possibly. I've no idea. 

I suppose another worst case scenario could be: even if he's insured to have 3 lodgers, if the house burns down and the insurance find out 3 lodgers is against the mortgage terms, they may refuse to pay out.