consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Residential and Commercial Lettings

Residential and Commercial Lettings This is the place for both Landlords and Tenants to discuss letting issues, and share experiences.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 18th October 2007, 16:31   #1 (permalink)
Prop
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2007
Posts: 1
Prop Novitiate
Default Unauthorised person in flat

I have 'evicted' a tenant under section 21 after finding that an unauthorised person had moved in and was residing in her room. The rent included all bills. The unauthorised person has therefore created additional costs to me during their 4 months unauthorised residence. Additionally, the person attracted complants from other tenants.

I am holding the tenant deposit. However I intend to charge the former tenant an additional rental sum at a rate of £100 per month for the unauthorised occupation that she allowed (in contravention of the tenancy agreement), and the additional utilities costs. I will deduct this from the deposit and refund the difference.

Have other forum members had experience of this type of situation, and am I within my rights to make these charges retrospectively?
Prop is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2007, 18:34   #2 (permalink)
Steve__M
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 376
Steve__M Novitiate
Default Re: Unauthorised person in flat

I suspect the response is that you may be entitled to your loss if you can prove that you suffered one.

But how much of the 100 pounds were you planning to pay the other tenants who were the ones who actually suffered?
Steve__M is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2007, 18:50   #3 (permalink)
Maurice1977
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 20
Maurice1977 Novitiate
Default Re: Unauthorised person in flat

Quote:
Originally Posted by Prop View Post
I have 'evicted' a tenant under section 21 after finding that an unauthorised person had moved in and was residing in her room. The rent included all bills. The unauthorised person has therefore created additional costs to me during their 4 months unauthorised residence. Additionally, the person attracted complants from other tenants.

I am holding the tenant deposit. However I intend to charge the former tenant an additional rental sum at a rate of £100 per month for the unauthorised occupation that she allowed (in contravention of the tenancy agreement), and the additional utilities costs. I will deduct this from the deposit and refund the difference.

Have other forum members had experience of this type of situation, and am I within my rights to make these charges retrospectively?
You do not have any grounds to make such a charge, although the tennant has breached the contract you have not actually suffered any loss. As stated above, the other occupants have a case given they are subsidising bills etc.
Maurice1977 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2007, 20:17   #4 (permalink)
Nightmare4banks
Platinum Account Customer
 
Nightmare4banks's Avatar
Default Re: Unauthorised person in flat

Prop,

I would just like to add:

1.You need to quantify your losses before you make deductions and should have backup evidence to prove as such.

I disagree totally with anyone that says prop is not a consumer.There are plenty true stories of problematic tenants that need a proper professional and lawful/legal approaches in dealing with such situations.

So TENANTS AND LANDLORDS ARE BOTH WELCOME!
Nightmare4banks is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2007, 23:37   #5 (permalink)
MrShed
Platinum Account Customer
 
MrShed's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 4,496
MrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informative
Default Re: Unauthorised person in flat

Agreed N4B - many of us are landlords ourselves, and can give a balanced view.

With regards this specific issue, I don't know if I agree with Maurice(in fact I dont - you clearly have in fact suffered a loss, although whether they are in real breach of contract is doubtful), but I would still very much disagree with the charge you are attempting to levy for different reasons(two in fact):

- The tenant is allowed to have guests. These guests can stay for an indefinite amount of time. I think it would be fairly easily argued that he was a guest, albeit for a long period of time.
- The much more important point however is that the £100 a month charge is a gross over estimate of your actual financial loss. On what detailed costings are you basing this rate? Your ACTUAL loss is ONLY gas and electric bills. Maybe water bills, IF the water is metered(not at a standing rate). Therefore, your loss should be calculated by taking a bill prior to the occupation and one after, and the increase is your actual loss per month/quarter(or better, take an average over a few bills before and a few after). I'd be amazed if this came to more than about £30 PM.
__________________
7 years in retail customer service

Expertise in letting and rental law for 6 years


By trade - I'm an IT engineer working in the housing sector.

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

Please click the scales if I have helped!!

Unfortunately, I have decided that I am no longer able to assist over Private Message. If you would like my assistance, please do PM with a link to a thread, but please do not PM me your full query - due to time constraints I am unable to answer these.

Last edited by MrShed; 18th October 2007 at 23:44.
MrShed is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th October 2007, 17:52   #6 (permalink)
Ed999
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 375
Ed999 Novitiate
Default Re: Unauthorised person in flat

There is no breach of contract, unless the tenancy agreement expressly prohibits the tenant from sharing occupation of the premises.

Where there is no breach of contract, there is no right to damages (i.e. compensation).
Ed999 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th October 2007, 23:35   #7 (permalink)
Maurice1977
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 20
Maurice1977 Novitiate
Default Re: Unauthorised person in flat

The TA usually states the names of the tenants who will make use and reside in the property - it is therefore a clear breach of contract if another person moves into the property and takes residence as appears to be the case here. The Landlord therefore is within their right to terminate the agreement if there is no remedy provision for such a breach (I have never seen one and have 7 previous TA's).

The second part of the post related to the charge, I made comment that this was unreasonable given that this was clearly disproportionate to the actual loss.

I have checked this with a barrister friend and this is also their view.
Maurice1977 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 07:50   #8 (permalink)
MrShed
Platinum Account Customer
 
MrShed's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 4,496
MrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informative
Default Re: Unauthorised person in flat

Quote:
Originally Posted by Maurice1977 View Post
The TA usually states the names of the tenants who will make use and reside in the property - it is therefore a clear breach of contract if another person moves into the property and takes residence as appears to be the case here. The Landlord therefore is within their right to terminate the agreement if there is no remedy provision for such a breach (I have never seen one and have 7 previous TA's).
Wrong, on three counts:

- They cannot be IMPLICITLY in breach of their contract. They are only in breach if it explicitly states that no-one else can be resident in the property etc.
- It is arguable that such a term would impact on their rights as a tenant to have a guest anyway. Certainly it would be nigh on impossible to prove that they are not a guest but a resident IMO.
- The landlord cannot terminate on this basis - he would have to go to court to get a Section 8 eviction on breach of contract, which would be up to the court to decide whether it was sufficient breach or not. He actually evicted by S21, which does NOT require a reason.
MrShed is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 12:08   #9 (permalink)
Monty2007
Gold Account Customer
 
Monty2007's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 634
Monty2007 Novitiate
Default Re: Unauthorised person in flat

Quote:
Originally Posted by MrShed View Post
Wrong, on three counts:

- They cannot be IMPLICITLY in breach of their contract. They are only in breach if it explicitly states that no-one else can be resident in the property etc.
- It is arguable that such a term would impact on their rights as a tenant to have a guest anyway. Certainly it would be nigh on impossible to prove that they are not a guest but a resident IMO.
- The landlord cannot terminate on this basis - he would have to go to court to get a Section 8 eviction on breach of contract, which would be up to the court to decide whether it was sufficient breach or not. He actually evicted by S21, which does NOT require a reason.
They would be in clear breach by having another person live at the property. The landlord would have no problem getting a Section 8 order from the court. The contract is explicit in terms of naming the tenants and would cover others residing at the property.

I suggest you get your facts right Shed, you are providing misleading information. Go back and read the thread question at the start!
Monty2007 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 12:34   #10 (permalink)
Joa
Platinum Account Customer
 
Joa's Avatar
Default Re: Unauthorised person in flat

Laving the issue of additional costs which the "unauthorised" person caused to the OP; the tenant is allowed to have guests or house-sitters in their absence. Blanket restriction would be considered an unfair term.
But yet again, we have not got enough information: was the person residing with or instead of the named tenant? Was there a sublet situation?
Monty, could you properly substantiate your statement that tenant
Quote:
would be in clear breach by having another person live at the property.
Have you seen the tenancy agreement? Have you asked OP whether it contaned a clause prohibitting subletting, assigning or guests? What do you mean by "clear breach"?
Joa is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 15:03   #11 (permalink)
Monty2007
Gold Account Customer
 
Monty2007's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 634
Monty2007 Novitiate
Default Re: Unauthorised person in flat

[quote=Prop;1187713]I have 'evicted' a tenant under section 21 after finding that an unauthorised person had moved in quote]

End of story, if its true of course
Monty2007 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 15:38   #12 (permalink)
MrShed
Platinum Account Customer
 
MrShed's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 4,496
MrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informative
Default Re: Unauthorised person in flat

Monty, frankly your statement above is baloney. I cant even be bothered to rise to it. If you really want to continue the conversation, please, feel free to produce case law where a section 8 eviction has been successful based upon an implicit breach by introducing "unauthorised" residents, where there was no explicit requirement not to have other residents, and also where the argument that the resident was legitimate under the right of the tenant to have guests was used, unsuccessfully. Then I will entertain a conversation regarding it.

Last edited by ukaviator; 26th October 2007 at 15:18. Reason: Language
MrShed is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 16:39   #13 (permalink)
Monty2007
Gold Account Customer
 
Monty2007's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 634
Monty2007 Novitiate
Default Re: Unauthorised person in flat

ouch!
Monty2007 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 16:45   #14 (permalink)
Joa
Platinum Account Customer
 
Joa's Avatar
Default Re: Unauthorised person in flat

Quote:
frankly your statement above is baloney
yessssss! not only I agree but I am pleased to see that there are other mavericks who like to slip the leash occasionally

Also: Monty, Monty, but you did not answer any of my valid questions, it makes me wanna cry! I suppose you can't really answer them, can you?
Ah, lesson learnt, huh?

Last edited by ukaviator; 26th October 2007 at 15:24. Reason: Language in quote
Joa is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 17:30   #15 (permalink)
Monty2007
Gold Account Customer
 
Monty2007's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 634
Monty2007 Novitiate
Default Re: Unauthorised person in flat

Quote:
Originally Posted by Joa View Post
Q1. Have you seen the tenancy agreement?

Q2. Have you asked OP whether it contaned a clause prohibitting subletting, assigning or guests?

Q3. What do you mean by "clear breach"?
1. Obviously not, but I have never seen a TA that does not clearly specify who the Tennant's are!

2. It is very unlikely that there is a provision for subletting. The question did not specifcy guests; I Quote "an unauthorised person had moved in". Clearly not an overnight guest!

Perhaps the poster would like to clarify?

3. There is clear breach. Any persons, other than the specified tenants will cause this material breach of the agreement. The issue comes down to the remedy provision, if any.

Otherwise you cold go and rent a house and move a load of folk in and charge them rent.............get real!

I have seen more then my fair share of such agreements and if you think the above is incorrect then so be it!

Last edited by Monty2007; 25th October 2007 at 17:43.
Monty2007 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 17:44   #16 (permalink)
caledfwlch
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 231
caledfwlch Novitiate
Default Re: Unauthorised person in flat

Im confused!
Every Tenancy agreement that I have had, has always included a bit about, you may have guests stay, but not for more than 2/3 unbroken weeks at a time.

I was told it was something to do with, if a "guest" stayed for a certain unbroken period then they could legally become a tenant of that property. So someone knowing they are being evicted at the end of their first 6 months, could in theory have a mate move in without the landlords knowledge for the last month or whichever qualifying period it is, thus the mate then creates for themselves a new 6 month tenancy agreement by default and cannot then be evicted, for the usual 6 months.

could be completely wrong or out of date.
caledfwlch is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th October 2007, 17:55   #17 (permalink)
Monty2007
Gold Account Customer
 
Monty2007's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 634
Monty2007 Novitiate
Default Re: Unauthorised person in flat

1st part of original thread reads as follows:

"I have 'evicted' a tenant under section 21 after finding that an unauthorised person had moved in and was residing in her room."

Moved in and was residing = NOT A GUEST!
Monty2007 is online now