Help needed regarding reposession

turnitround

OP is highly unlikely to be able to make any offer of clearing arrears as he says he relies on £250 from the rent to live on and some days he cannot eat.

Where are you living OP and how are you supporting yourself? Would it not make sense to come back, get a job and perhaps even house share with this person you allowed to rent from you.

user1977

Tiglet2 said:

panda4556 said:

macman said:

You say that the agent has been 'very good', but they a) failed to issue an S8 after 2 month's arrears, b) failed to check you had a BTL mortgage or consent to let, and c) failed to contract the tenant with a written AST? It doesn't inspire much confidence in them.
Sorry but I just don't believe this is the whole story.
It's very likely that any attempt to get a possession order will fail, as it's fairly inevitable that your tenancy is not regularised in some respect (deposit protected, GSC, EICR, How to Rent booklet etc?), and even once this is resolved, it will be well into the spring before you could actually evict the tenant.

The tenant has no agreement in place the estate agent adviced me to get a btl I didn't get round to it as I'm abroad bereavement do you think I should tell the bank that I'll volunteer repossession plz advice me further. I have no idea what to do & this is all my life time hard with into this house 

When you were living in the property, how did you manage to pay your mortgage?  Have you stopped working since going abroad in March?  Are you planning to come back at all?

And if the reason for leaving was a bereavement, is there an inheritance due to come which will help?

hazyjo

I'm guessing the OP has missed all correspondence from the bank which might explain why it's all happened so quickly. Or the tenant may have returned everything to sender, causing them to realise it was let or that the OP had disappeared. Fine if they'd kept paying, but with arrears and possible information they'd left the country, I guess it would be a priority repossession.

panda4556

hazyjo said:

I'm guessing the OP has missed all correspondence from the bank which might explain why it's all happened so quickly. Or the tenant may have returned everything to sender, causing them to realise it was let or that the OP had disappeared. Fine if they'd kept paying, but with arrears and possible information they'd left the country, I guess it would be a priority repossession.

This is exactly what happened 

panda4556

user1977 said:

Tiglet2 said:

panda4556 said:

macman said:

You say that the agent has been 'very good', but they a) failed to issue an S8 after 2 month's arrears, b) failed to check you had a BTL mortgage or consent to let, and c) failed to contract the tenant with a written AST? It doesn't inspire much confidence in them.
Sorry but I just don't believe this is the whole story.
It's very likely that any attempt to get a possession order will fail, as it's fairly inevitable that your tenancy is not regularised in some respect (deposit protected, GSC, EICR, How to Rent booklet etc?), and even once this is resolved, it will be well into the spring before you could actually evict the tenant.

The tenant has no agreement in place the estate agent adviced me to get a btl I didn't get round to it as I'm abroad bereavement do you think I should tell the bank that I'll volunteer repossession plz advice me further. I have no idea what to do & this is all my life time hard with into this house 

When you were living in the property, how did you manage to pay your mortgage?  Have you stopped working since going abroad in March?  Are you planning to come back at all?

And if the reason for leaving was a bereavement, is there an inheritance due to come which will help?

No inheritance I don't get on with my family I ran away from home at 19 to escape an arranged marriage 

panda4556

Thanks guys for all your advice I have emailed the solicitor & been very truthful & told them I'm in breach of the residential mortgage which was not intentional but circumstantial.ive always believed honesty is the best policy so I'm sure I'll get the best outcome once a big thanks to all those who replied.may God reward you all for your advice.Ameen.

I will update the post with developments as I'm sure I'll be needing your support. Thanks again

It's funny it's ironic how strangers whom I don't even know are more helpful than my own family.

sammyjammy

I don't understand how you can go abroad in March and its November and you are still there?  Why would you give up your job for that?You don't get on with your family but you went as grandfather was ill?  Is grandfather still ill?

You did rent your house on a residential mortgage intentionally, it doesn't matter what the circumstances were, its a decision you made.

panda4556

sammyjammy said:

I don't understand how you can go abroad in March and its November and you are still there?  Why would you give up your job for that?You don't get on with your family but you went as grandfather was ill?  Is grandfather still ill?

You did rent your house on a residential mortgage intentionally, it doesn't matter what the circumstances were, its a decision you made.

No my grandfather unfortunately passed away I hadn't seen him for the past 26 years so I was fortunate enough to spend a few months with him it's my family in the UK I didn't get on with my grandparents just wanted me to be happy & never disowned me ever. Yes I'm still.abroad no money to come back & no it wasn't intentional I didn't even know what a btl was till recently someone posted it & I didn't give up my job I lost it with Corona 

GDB2222

panda4556 said:

sammyjammy said:

I don't understand how you can go abroad in March and its November and you are still there?  Why would you give up your job for that?You don't get on with your family but you went as grandfather was ill?  Is grandfather still ill?

You did rent your house on a residential mortgage intentionally, it doesn't matter what the circumstances were, its a decision you made.

No my grandfather unfortunately passed away I hadn't seen him for the past 26 years so I was fortunate enough to spend a few months with him it's my family in the UK I didn't get on with my grandparents just wanted me to be happy & never disowned me ever. Yes I'm still.abroad no money to come back & no it wasn't intentional I didn't even know what a btl was till recently someone posted it & I didn't give up my job I lost it with Corona 

I suggest that you contact the British embassy in whichever country you are in, and ask for help to get repatriation to the UK. You are a British citizen, and you are entitled to their help to get back here.

When you return, you should have no problem getting a job, as there’s a big shortage of workers at the moment. Can you stay with friends until you get yourself settled?

Once back, and in work, you have some chance of sorting this out with your lenders. You will need to evict the tenants, which will cost money, and could take ages. 

Still, it’s better than starving where you are.

Anyway, that would be my game plan in your position. 

GDB2222

https://www.gov.uk/guidance/your-finances-when-travelling-abroad

This may help.