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aneary
Posts: 921 Forumite
Hi
Is it possible to find out the landlord's mortgage company?
Basically he is a nightmare landlord there is damp, he is refusing to fix it because I am unable to move his couch away from the wall to access the damp.
The under counter lights and fan have never worked they were supposed to be fixed before I moved in.
Every time I report an issue he doesn't do anything about it.
I'm paying higher than local rates rent and he is refusing to lower it despite all the faults with the flat.
I suspect he has a residential mortgage and not a BTL mortgage if I could find out the mortgage company I could use it a leverage to fix all the problems.
Is it possible to find out the landlord's mortgage company?
Basically he is a nightmare landlord there is damp, he is refusing to fix it because I am unable to move his couch away from the wall to access the damp.
The under counter lights and fan have never worked they were supposed to be fixed before I moved in.
Every time I report an issue he doesn't do anything about it.
I'm paying higher than local rates rent and he is refusing to lower it despite all the faults with the flat.
I suspect he has a residential mortgage and not a BTL mortgage if I could find out the mortgage company I could use it a leverage to fix all the problems.
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Comments
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I'm not an expert on tenancy rights etc but you could request a copy of the land registry documents and any mortgage charge will be on there.
If your landlord is on a residential mortgage and not a buy to let, have you considered that threatening to out them may result in you being asked/forced to vacate the property?
I'm sure someone with more knowledge will be along shortly.0 -
Sure you could do that or you could follow Shelter's advice for dealing with landlords who won't carry out repairs instead.
https://england.shelter.org.uk/housing_advice/repairs/what_to_do_if_your_landlord_wont_do_repairs
Why are you or the landlord unable to move the sofa way from the wall? I have some of these for moving large pieces of furniture when decorating.
https://www.amazon.co.uk/dp/B002SAJRGS?psc=10 -
I have a tenancy agreement and it ends in August at which point I will hopefully have brought a flat (mortgage application going through) or I will rent elsewhere.
So I think it's unlikely he will try and force me out at this point.0 -
I can't move the sofa as it's massive and I'm waiting on surgery for a slipped disc, the landlord has had a knee and whilst I have some sympathy the damp has been there since Christmas. The lights haven't been fixed and where supposed to be fixed prior to me moving in August last year.0
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As for shelters advise I am trying to come to a resolution via the letting agency however there records are rubbish they are claiming I didn't report things through them as their notes are not up to date I have forwarded all emails etc.
I have asked for a reduction in rent but the agency said the landlord says no.0 -
What's causing the damp? It started appearing at Christmas you say? Well what changed then that could be causing the problem. Make sure that it's nothing you're doing that's causing it before you rattle the LL cage too hard as it might mean the loss of your deposit.
It is your responsibility to open the windows and air the property properly. Especially if you are drying clothes indoors in the wet weather, or if you're cooking a lot. This is the most common cause of damp problems in houses.0 -
And a lot of people 'wrap up' instead of using sufficient heating to save costs - trouble is they forget the house needs some heat too. Sounds like winter's had a big impact which does suggest it may not have been warm enough or perhaps clothes have been dried indoors with no/poor ventilation (as suggested). As Zephyr says, tread carefully re grassing him up as it may well be partly your fault.*~Zephyr~* wrote: »What's causing the damp? It started appearing at Christmas you say? Well what changed then that could be causing the problem. Make sure that it's nothing you're doing that's causing it before you rattle the LL cage too hard as it might mean the loss of your deposit.
It is your responsibility to open the windows and air the property properly. Especially if you are drying clothes indoors in the wet weather, or if you're cooking a lot. This is the most common cause of damp problems in houses.2023 wins: *must start comping again!*0 -
Why do you think the LL is on a residential mortgage? They could have Consent to Let in any case. Practically it won't make a difference to as any repossession action would take more than the 3 months you plan to be there.I suspect he has a residential mortgage and not a BTL mortgage if I could find out the mortgage company I could use it a leverage to fix all the problems.
So it's just to use as leverage? Again is it worth the aggro for 3 months?
That leaves you with ~3 months to resolve all queries/searches, get surveys done, agree on an exchange and completion date. Depending on the length of the chain, 3 months is possible but not swimming in time. If your purchase does take over 3 months, a LL onside could enable you to agree a mutual surrender when you need to move out without too much overlap. Otherwise you'd have to give notice in line with rental periods (so can be almost 2 months) or sign up to a new fixed term committing to 6-12 months.I have a tenancy agreement and it ends in August at which point I will hopefully have brought a flat (mortgage application going through) or I will rent elsewhere.0 -
I suspect he is on a residential mortgage as he brought the place to live in but then all his work was in a different area so he rents it out and lives with his parents although last year he lived there for 8 months.
The damp is most likely caused by the terrace being higher than the floor and the damp membrane being damaged (it's a build under 10 years ago) it appears on external walls in the bedroom (two areas) and living room the windows are always open at least at a tilt so the flat is well aired. Also I don't do cold so I don't hesitate putting the heating on.
The flat which the offer is on doesn't have a chain but if there is a gap I can as a temp basis move to my parents it will mean an hour each way drive but short term it will be okay.0 -
You have absolutely no evidence he is breaching his mortgage terms. Even if he DID originally buy it on a residential mortgage to live in he may have
* switched to a BTL mortgage or
* received CTL
Instead of trying to resort to blackmail, why not enforce your repairing rights properly? Read:
* Repairing Obligations: the law, common misconceptions, reporting/enforcing, retaliatory eviction & the new protection (2015)0
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