Tenancy???

Richard_S

Migz wrote: »

ah poor Richard, but hey that goes to show that we all listen to you;)

It's the end that justifies the means Migz. NO place for pride or morals when the going gets tough.:D

squirrel_pigeon

Another quick question - I don't get a rent statement. Would it be worth me asking for proof that I'm up to date?

betterlatethannever

I didn't have to prove that i'm up to date with payments, so i wouldn't bother yet. if the OR asks for proof then you could ask.
you don't want to arouse suspicion with your LL, so best do nothing for time being

Richard_S

squirrel_pigeon wrote: »

Another quick question - I don't get a rent statement. Would it be worth me asking for proof that I'm up to date?

If you pay by DD or SO then there's no need; your bank statement confirms that. If it's cash then some receipts would be handy but not essential. The original rental agreement would confirm what you're paying.

squirrel_pigeon

How far back do they look? Am about to switch my SO to my new Co-op account so should I print out my last 3 months statements for the Natwest one to show those payments? By the time I go BR I would then be able to show 6 months.

Sorry for all the questions. Sometimes I think if I had nothing to worry about I would worry about that!

Richard_S

squirrel_pigeon wrote: »

How far back do they look? Am about to switch my SO to my new Co-op account so should I print out my last 3 months statements for the Natwest one to show those payments? By the time I go BR I would then be able to show 6 months.

Sorry for all the questions. Sometimes I think if I had nothing to worry about I would worry about that!

If you can print them off with no trouble Squirrel; (code for do it at work, and save your ink).

Otherwise, if its gone through a bank account the O.R will be able to access those anyway.

You almost certainly are worrying too much, but you won't believe me until it's over.;)

tigerfeet2006

You're doing fine Squirrel. Just take a deep breath and pop into the Bankrupt Inn for a drink and a relax.

gs19

himy mortgage paperwork states that the bank can repo the house if you are declared bankrupt but i phoned them and asked and they said as long as i was up to date with my mortgage they didn't care

squirrel_pigeon

gs19 wrote: »

himy mortgage paperwork states that the bank can repo the house if you are declared bankrupt but i phoned them and asked and they said as long as i was up to date with my mortgage they didn't care

It would usually be the OR that would take care of any assets - it's nothing to do with your mortgage company as far as I'm aware. Do you have equity?

Richard_S

squirrel_pigeon wrote: »

It would usually be the OR that would take care of any assets - it's nothing to do with your mortgage company as far as I'm aware. Do you have equity?

Hi squirrel,

I can believe that some mortage agreements have a clause that states that in the event of the borrowers insolvency the lender can reposses the property. Not sure how the courts would react thiough if the lender was up to date with their repayments.

gs19 didn't specifically say they were considering bankruptcy.

Richard