Rent didn’t go out today Barclays says it will when they are back up and running

mills705

I have never had to rent officially but this is what gets me here. 

Why are LL forced to be set up as a direct debit? Appreiciate there are issues with setting these up if you are not a company etc but it makes a huge amount of sense!  Or if the LL knows you have a standing order and the 1st falls on the weekend then why isn't it a natural reaction for the LL to expect it the first working day so the 2nd/3rd depending on the day. 

la531983

Well we are all waiting with baited breath. Was it paid out this morning? 

propertyrental

la531983 said:

Well we are all waiting with baited breath. Was it paid out this morning? 

I have picture in my head of the OP standing on a street corner with a Bag For Life stuffed with £2K odd in cash......

Talking of Bags For Life, did you hear the one about the dog.........

theartfullodger

saajan_12 said:

R200 said:

So Barclays are saying the work is no longer going ahead but they can’t seem to get system back up and running 

I am now for the first time ever late paying my rent


is there any way I can get compensation from Barclays?

Their service level ... etc etc etc... since you can't be charged late fees or evicted based on 2 days late rent. 

(assuming England) yes you can (very unlikely, but legally possible). Schedule 2  section 10 - see

https://www.legislation.gov.uk/ukpga/1988/50/schedule/2/part/II/crossheading/ground-10

"""Ground 10

Some rent lawfully due from the tenant—

(a)is unpaid on the date on which the proceedings for possession are begun; and

(b)

except where subsection (1)(b) of section 8 of this Act applies, was in arrears at the date of the service of the notice under that section relating to those proceedings.  """"

(This is a discretionary ground, so judge entitled to agree or refuse. Same as e.g. breach of tenancy agreement, ground 12...)

Can be taken to court by landlord:  V unlikely to get an eviction, but in theory possible .

Anyone got evidence to the contrary?? Donation to a housing charity if so.

saajan_12

mills705 said:

I have never had to rent officially but this is what gets me here. 

Why are LL forced to be set up as a direct debit? Appreiciate there are issues with setting these up if you are not a company etc but it makes a huge amount of sense!  

Did you mean "why AREN'T forced to be set up as a direct debit?"

--> Precisely because of the issues if you're not a company. Under the DD guarantee, the bank is guaranteeing the amounts if there's a dispute, so they need to be confident they'll be able to recover from the LL. They usually only do this if the receiver has £1m in revenue, etc. There are some 3rd parties that may help a little, but with hefty fees which would only get passed on through rent. 

Meanwhile it really doesn't make any sense. Rent typically doesn't change month to month, so a standing order works fine, unlike other bills or services where it may indeed change more frequently and its most peoples' single largest outgoing, so its not unreasonable that the tenant would do a little more effort to manually change a SO which they might not bother with for a random £4.99 subscription. 

mills705 said:

  Or if the LL knows you have a standing order and the 1st falls on the weekend then why isn't it a natural reaction for the LL to expect it the first working day so the 2nd/3rd depending on the day. 

In practice that is what happens. The alternative is the T could just schedule the SO to be 2 days earlier, so its on time most of the time. Might suffer the odd month when a bank holiday and rent payment date fall on certain dates, but that's significantly less often. I think both are equally reasonable. 

R200

Update the LL has had a repossession notice our home is up for auction. We know this from visit from some gentleman from a company that works for the bank.

The LL is now uncontactable not answering at all. We think he has done a runner. So we have not paid this months rent and will not pay until we get some answers.

we don’t know how long we have to find another place but we are going to dig our heels in and not leave until we are literally thrown out and even then they will have to break the door down.

once details of the auction are released we may even bid ourselves just to delay things somewhat. We haven’t got any money to buy it

_Penny_Dreadful

R200 said:

Update the LL has had a repossession notice our home is up for auction. We know this from visit from some gentleman from a company that works for the bank.

The LL is now uncontactable not answering at all. We think he has done a runner. So we have not paid this months rent and will not pay until we get some answers.

we don’t know how long we have to find another place but we are going to dig our heels in and not leave until we are literally thrown out and even then they will have to break the door down.

once details of the auction are released we may even bid ourselves just to delay things somewhat. We haven’t got any money to buy it

The stick at the top of the board has a section about repossessions.  What will happen now depends on whether your tenancy was authorised meaning that your landlord had either a BTL mortgage or a residential mortgage with consent to let.

Withholding the rent until you can ascertain who your landlord is now is a good idea.

Post 6: Repossession: what if a LL's mortgage lender repossesses the property?

propertyrental

_Penny_Dreadful said:

R200 said:

Update the LL has had a repossession notice our home is up for auction. We know this from visit from some gentleman from a company that works for the bank.

The LL is now uncontactable not answering at all. We think he has done a runner. So we have not paid this months rent and will not pay until we get some answers.

we don’t know how long we have to find another place but we are going to dig our heels in and not leave until we are literally thrown out and even then they will have to break the door down.

once details of the auction are released we may even bid ourselves just to delay things somewhat. We haven’t got any money to buy it

The stick at the top of the board has a section about repossessions.  What will happen now depends on whether your tenancy was authorised meaning that your landlord had either a BTL mortgage or a residential mortgage with consent to let.

Withholding the rent until you can ascertain who your landlord is now is a good idea.

Post 6: Repossession: what if a LL's mortgage lender repossesses the property?

Absolutely. Read the post 6 link.

Re: the rent yes, withhold for now till it is clarified who it is payable to: original landlord, bank, Official Receiver....

But do set it aside. You still owe the rent even if for now it's not clear to whom, so don't use it to pay for that new TV you wanted or down the pub!

Debbie9009

R200 said:

once details of the auction are released we may even bid ourselves just to delay things somewhat. We haven’t got any money to buy it

Be careful with doing this, usually if you place the winning bid and then don’t pay there are financial consequences, check the terms and conditions of the auction very carefully.

R200

Finally have to move out now so I’m told