LL using our address for banking and credit cards.

strugstu

I have mentioned before about the inordinate amount of post we get for our landlords (who live abroard) mostly bank and credit card post demands for money etc . Today in our post came post from virgin bank - (there post is quite distintive and i promise i havent opened it) addressed directly to our landlords - a letter each.
I have a feeling this is more credit agreement- if it is - are the landlords allowed to use our home address to do this? - even though they own the house ? Any one have any ideas?

tbs624

No, they shouldn't be doing this. The fact that your LLs are abroad means that they should have provided a UK address to you, for legal purposes, and they should have also arranged for a forwarding address to be available for their personal bank dealings etc.

When you posted here before it was suggested that you simply write not at this address,and return to sender on the envelope ( return address usually found at the top on the back of the envelope), and then pop the letters back in to a post box. Some of the letters may just be personalised junk mail but, either way, it does work,after a few returns

strugstu

i have started doing that tbs- its just that this seems like a new agreement- u can tell the difference between junk mail and 'proper' communications. i just wondered if they can do that.

LL is returning to uk next month for a visit so they will collect mail- we asked for a uk address they said we didn't need one! we are treading carefully at the moment as i have mentioned we really need to get out of the 2 year contract that we are only a year into. thanks for advice tbs.

tbs624

strugstu wrote: »

LL is returning to uk next month for a visit so they will collect mail- we asked for a uk address they said we didn't need one! we are treading carefully at the moment as i have mentioned we really need to get out of the 2 year contract that we are only a year into. thanks for advice tbs.

Strugstu - you maybe need to check back on the replies you were given on this board on your other related thread, because your LLs do not have a choice about whether or not they give you an address, they are legally obliged to provide one:

See Guy's comments:

Guy_Montag wrote: »

You say the landlord lives abroad...

Who do you pay the rent to? Or more correctly to whom do you pay the rent? do you have an UK address at which to serve writs? If not you need not pay any more rent as per section 48 Landlord & tenant Act 1987

High risk, but if you want out...
http://www.landlordzone.co.uk/landlord's_address.htm

and my own:

tbs624 wrote: »

You may have a clause in your Tenancy Agreement about passing on post for the LL within a reasonable time but obviously you can only do this if you have an address for the LL, which you are entitled to by law. When a LL lives abroad s/he must provide an Agent's address in the UK at which notices, letters etc from the tenant may be received.

and

tbs624 wrote: »

I had assumed that they had provided you with a UK address as required by law ( can be a UK business address eg solicitor , accountant that they use for example) - please note that a phone number and email for the LL is insufficient to fulfil that requirement so you could look back at Guy Montag's post.......................

If you really do want out then make a half hour appointment with a local solicitor under the Fixed Fee arrangement. Cost you between £30-£50 in most areas and will be money well spent in this case - make sure you ask for someone who specialises in L&T law. Good luck.

Maybe your LL has something to hide, like money not declared to HMRC?

The fact that they have not given you an address works in your favour - so do get some advice in person so that you can sort things out

AMILLIONDOLLARS

Look on the postive side, if you keep returning their mail to sender, they may wish to terminate your 2 year contract sooner than you think!!

AMD