No fault eviction served before Renters Bill comes into effect

Danny2290

I have been served 'No Fault' eviction notice by my estate agent and I am seeking some advice due to the circumstances.

I moved into the property in 2020 and I have been a problem free tenant with no disputes. In 2024, I was told to re-sign a new 12 month tenancy agreement which ends in November 2025. 

In April 2025, the agent emailed me with the following request:

"The Landlord is wanting to re-mortgage the premises and as your tenancy started a long time ago now, I need the following from you please asap:

1) Please provide me the last three months wage slips showing proof of earnings.

2) Please send me something that shows you live at the address- like a utility bill."

I declined to send wage slips to them and stated that I couldn't see any reason to provide this. I have never missed a rental payment in 5 years within the property. I was told the following:

"Your tenancy started a while ago now and it's just <Agent> procedures.

If your Landlord is re-mortgaging we need to show we have re-checked your affordability for the premises is all."

I have declined to provide anything as I am not aware of landlords ever needing to provide tenant wage slips as part of re-mortgaging and there is no contract information or agent terms and conditions which state that mid-term re-referencing is required.

The agent has then sent me referencing agency links attempting to get me to third-party referencing instead of providing wage slips, which I have also declined.

I was then served with a no fault eviction notice in August, with a notice that I should leave the premises by October. I have not contacted the agent at all since this letter was delivered.

I do not want to move out of the premises if possible.

___

I would like some advice on:

a) Can I be evicted whilst still in a signed 12 month contract? (There is a 6 month break clause)

b) Is my agent / landlords request for me to send wage slips to them for re-mortgaging reasonable or am I being overly cautious about this?

c) It seems very odd that they want to evict me after 5 years simply because I won't provide my wage slips. Do you think the two issues are connected or could it be due to the upcoming Renters Right Bill?

anselld

What is the exact wording of the 6 month break clause?

MattMattMattUK

Danny2290 said:

I have been served 'No Fault' eviction notice by my estate agent and I am seeking some advice due to the circumstances.

I moved into the property in 2020 and I have been a problem free tenant with no disputes. In 2024, I was told to re-sign a new 12 month tenancy agreement which ends in November 2025. 

In April 2025, the agent emailed me with the following request:

"The Landlord is wanting to re-mortgage the premises and as your tenancy started a long time ago now, I need the following from you please asap:

1) Please provide me the last three months wage slips showing proof of earnings.

2) Please send me something that shows you live at the address- like a utility bill."

I declined to send wage slips to them and stated that I couldn't see any reason to provide this. I have never missed a rental payment in 5 years within the property. I was told the following:

"Your tenancy started a while ago now and it's just <Agent> procedures.

If your Landlord is re-mortgaging we need to show we have re-checked your affordability for the premises is all."

I have declined to provide anything as I am not aware of landlords ever needing to provide tenant wage slips as part of re-mortgaging and there is no contract information or agent terms and conditions which state that mid-term re-referencing is required.

The agent has then sent me referencing agency links attempting to get me to third-party referencing instead of providing wage slips, which I have also declined.

I was then served with a no fault eviction notice in August, with a notice that I should leave the premises by October. I have not contacted the agent at all since this letter was delivered.

I do not want to move out of the premises if possible.

___

I would like some advice on:

a) Can I be evicted whilst still in a signed 12 month contract? (There is a 6 month break clause)

It depends on the contact and/or the break clause, but it is more a case of when can you be evicted rather than if you can be evicted.

Danny2290 said:

b) Is my agent / landlords request for me to send wage slips to them for re-mortgaging reasonable or am I being overly cautious about this?

It is entirely reasonable and you are being paranoid.

Danny2290 said:

c) It seems very odd that they want to evict me after 5 years simply because I won't provide my wage slips. Do you think the two issues are connected or could it be due to the upcoming Renters Right Bill?

They could be connected to the price of milk, but the most probable reason is that the landlord needs to remortgage, which likely requires them to have rent insurance, rent insurance requires they have checked affordability.

You seem to have two choices, comply with a perfectly reasonable request or be evicted. Even if the break clause is not valid and the RRB comes into force before the end of your twelve month term, which is unlikely, the landlord will still likely evict you because your blocking of them remortgaging will likely mean that they need to sell the property, which will still be a valid reason for eviction.

_Penny_Dreadful

I suspect the two issues are related and that the Section 21 notice has nothing to do with the Renters' Rights Bill. That said, I have remortgaged my investment properties and have never been asked by the lender to re-reference the tenants.  It could be a quirk of whichever lender your landlord is using though.

Without knowing the exact wording of the break clause it's unclear if the Section 21 notice is valid.  Even if it is invalid the landlord can issue a new one to tie in with the end of the fixed term in November if he so desires.  It's also unclear if it's the landlord or the letting agent who's pushing the Section 21 notice. 

horsewithnoname

Sounds like a rent increase is in the offing? 

But only a court can evict you. 

silvercar

I’ve never heard of a remortgage being refused because an existing tenant refused to provide wage slips. Normally a valid tenancy agreement is all that is required, to prove the rent. Often there is no tenant in situ and the lender just goes off the predicted rent.