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    • Servicing Stop Limited Registered Office Address: 57 London Rd, Enfield, Middlesex, England, EN2 6DU Company Type: Private Limited Company Company Status: Active Company Number: 06558606 Directors: Oliver Joseph Richmond Appointed 8th April 2008, Toby Robert Richmond Appointed 8th September 2009 Companies House Link: SERVICING STOP LIMITED overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK SERVICING STOP LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual...   Endole Link: Servicing Stop Limited - Company Profile - Endole SUITE.ENDOLE.CO.UK Servicing Stop Limited is an active company located in Enfield, Greater London. View Servicing Stop Limited profile, shareholders, contacts...  
    • Hi I assume the Loft Conversion with the eaves and crawl space was there when you initially purchased the property. Even in done after purchasing the property and the correct permissions were in place i.e. Local Authority, Land Registry, Freeholder which is Southern Land which would be required as a Leasehold property. The difficulty is if the Loft Conversion was there when you purchased the property and there is no evidence in your documents of the eaves and crawl space due to where the Red Lines stop in the plans or even after purchase it was added this is the reason you are having issues with selling due to those missing Red Lines in the Plans and any other Buyers competent Solicitor would flag this up. I can understand the reasons the Buyer wishes a Deed of Variation probably there Solicitor requesting this to ensure those missing red lines are covered before the Sale as they Flagged this as an issue as Red Lines missing on Plans and want buyer protected. As for the £8000 costs Together and cohort Southern Land are trying to charge have you thought of contacting a few Property Solicitors yourself to get a few quotes. (only mention this because when I research this possible costs can range from £500 - £2000 depending on the Deed of Variation work required and nothing to stop you doing this then approaching Together and cohorts with it) Also ask Together/Southern Land for a breakdown of the £8000 costs for the Deed of Variation. Yup do send both Together and Southern Land a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that data in whether it be emails, written, recorded calls etc. They then have 30 Calendar Days to respond and that time limit only starts once they acknowledge receipt of your SAR Request. When you purchased the property some 17yrs ago are the Solicitors that you went through at that time still operating? (I know probably a silly question but if they are nothing to stop you contacting them and asking them about this especially if the Loft Conversion was in place when you purchased the property) Another link that will be useful to you as Leasehold is The Leasehold Advisory Service: Home - The Leasehold Advisory Service WWW.LEASE-ADVICE.ORG Government funded, independent advice for residential leaseholders and park home residents  
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House repossessed, what happens now? Advice pls

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Hello all,


I'm seeking some advice from those in the know about what is the likely outcome for a work colleague of mine. I'm kinda stuck in the middle and really don't want to get involved but I'm concerned for my colleague's welfare.


To summarise :


He and another guy rent a house from another guy I know. I don't know the LL too well, we used to work together some years ago and are still in contact. To make it easier to explain let's call them Alan (current work colleague who is renting the shared house), Brian (other guy who is renting shared house) and Charlie (LL and old work colleague of mine).


Charlie goes to the house each month to collect the rent in cash and signs off the rent book etc. Alan and Brian each have a 6 month AST from a year ago which is now on the rolling period. Everything has being going hunkydory and the relationship between them all has been good.


Fast forward to Jan 2010 and amongst the mountain of mail that comes for Charlie, there was a letter addressed to the current tenant with 'official notice' plastered all over it. Alan opens it up and it's advanced notice of a repossession taking place with a court date set for this month (now been and gone). Alan gets on the dog and bone to Charlie who apparently played it all down and told him that it was a mistake and nothing to worry about etc. Alan not really being the brightest crayon in the box eventually took his word for it and forgot about it :eek:.


Charlie was due to go to collect this months rent at the start of Feb but never showed up and whenever Alan has tried to ring him the phone now has a dead tone.


I happened to bump into Charlie in the supermarket a few days ago and we decided to meet up for a drink. He doesn't think I'm still in contact with Alan so when we got talking about houses the whole story came out.. To cut a long story short, he hasn't paid the mortgage since March 09 :eek: as he lost his job and wasn't able to claim anything. Basically the guy is completely broke. He knows about the repo notice from when Alan called him about it, but didn't go to the court hearing and is basically happy for them to take the house back :eek:. The important bit though is that he didn't have the lender's permission to let it out.


Now like I said above I really don't want to get involved with all this but I'm concerned what the likely outcome is for the tenants? I know from what Charlie said that the outstanding mortgage amount and the current property value are roughly the same so would the lender really want to repossess it when they are unlikely to recoup their losses in the current market?


The combined rent from Alan and Brian is more-or-less the same as what the monthly mortgage repayments were so if they are willing to pay that to the lender would the lender likely agree or would they be served with an eviction notice regardless? As mentioned above, they do both have a proper AST but I seem to recall reading somewhere that this doesn't make any difference if the mortgagee doesn't have permission to the let it out.


Anyone know how the banks (lender) work in this scenario? The lender is Alliance + Leicester if it makes any difference.


Thanks all.

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Hi If its a Buy to Let mortgage then it will only be in Charlies name. Same as any other mortgage. They don't have much say in the matter.

What I would do is get them to see the local council housing dept- quickly, or Shelter, CAB and any others who may help. Unfortunatly with this type of teenacy there is not much they can do. Good luck.

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