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    • Thanks all, especially the information about Kev! Yes, I'll make the mods you all suggest, especially the client bits (didn't realise it was a one man band). The only thing I'm not sure of, is the best way to "sign off", especially as the Keeper is not so keen to sign. So I'd much rather send it from our pet dog. BTW does anyone know about the landowners at Harlyn Bay? I did try to find out last year but couldn't find anything useful, and whether it is worth raising this massive cash generator scam with them. I'm guessing the landowners get a small percentage, so happy to go along with it?
    • I haven’t reply, so the hearing hasn’t been decided 
    • whitelist - the same with mine....the battery had a mind of its own. i bought it for my Son...he'd shut it down and it would be completely off but the power light would either stay on or flash...also it wouldnt start properly, had cmos errors on boot and other stuff.   i bought it through HP store on ebay ..brand new. after 6 days of receipt i recieced an email from HP asking if i was happy...i returned an email saying no and that i want to send it back as it was faulty (basically the email served as a reminder for me to leave them good feedback lol...not as a geniune enquiry to actually make sure i was happy with as they didnt reolve the issue when i was not) after trying to sort it for a couple of months with HP not replying, not offering a solution etc i finally got passed tech support who confirmed it was faulty. i then had to return it to their factory. this is where its gets beyond worse...waited 3 times for parcelforce to collect - they didnt. in the end HP sent me a label which i had to take to the post office - not good as im disabled with a mobility disability. then they asked for my bank account number to issue the refund. they hardly ever replied to my emails and it took over a month and a half to refund me once they had received the laptop back. no explanation, no progress emails, no updates. i kept emailing them on a daily basis as no one would reply to my emails through the website, forum, internal email addresses and even phoned 3 different departments who basically had no idea what to do or what was going on and did not help...they couldnt even tell me when the refund would be issued, let alone why it hadnt been done already. on the forums theres other customers who've had to wait 6 weeks , 2 months , over 2 months etc...it seems as though HP like to with hold peoples money to earn interest on the money in their account. i spents days phoning and emailing them - even sent a recorded letter. at the begining i phoned citizens advice and they said i am entitled to put back into the same financial position as before i lost the out of pocket expenses ie: compensation for my time and recorded letter sent etc. ive started a martin lewis 'resolver' case with them and basically in a snotty reply they told me im not entitled to compensation which is contradictory to what citizens advice told me. i was just wondering if theres any .gov website or law/legislation that i could reply with and say "no your wrong - please compensate me"
    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
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Concerned about landlord's mortgage


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I let a house through an agency and have been here for 18 months with no real issues. However, a couple of weeks before Christmas omeone came to the house saying they were looking for the landlord and were from the mortgage company, we told them we rented, how long we had been here and gave them the details of the agents. Today I have received a letter addressed to the occupier from a solicitors acting for the Bank of Scotland who it says hold a charge over the property (does this mean the mortgage?).

 

The letter goes on to say the client is investigating the tenancy of the property and have enclosed a questionnaire for me to complete to this effect.

 

Obviously I am concerned that the landlord has either not been paying the mortgage or has misled the bank, which may jeapoardise my tenancy. I will be calling the agents in the morning to discuss this but would welcome any advice on my rights/position. The rent is due on Monday but should I withold it pending clarification of these issues?

 

Many thanks.

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Quick reply now, others should be along soon enough too

 

Have a read through the Shelter info at http://england.shelter.org.uk/get_advice/eviction/repossession_by_a_landlords_lender BUT in short, "Most tenants are in a weak position if their landlord's lender wants to repossess the property. But you may have some protection if your tenancy is binding on the lender"

 

I'm not one for advocating witholding of rent, but in a case like this it is certainly reasonable - to my mind - for you to ask both the Agent AND the Lender direct for clarification as to what is going on. It may well have be the landlord's property (perhaps soon to be past tense, sorry), but it IS your home. There was another similar thread about this recently, have a search for it - and I'll see if I can find it too...

 

Sorry to hear what has happened, but do your research quickly as the wheels for repossesion of the property in cases like this can, apparantly, turn quite quickly...

As for me, happy to help out. I am not a Landlord, but I have been in the past. I am not an Agent, but I have been in the past. I am, therefore, a has been, so always seek independent and suitably qualified advice elsewhere before relying upon whatever has been posted here :-)

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Found the other thread I mentioned

 

Have a read through http://www.consumeractiongroup.co.uk/forum/showthread.php?288422-advice-needed....-landlord-not-paying-mortgage!!&p=3240213&viewfull=1#post3240213 too although doubtless there are others

 

Hope this all helps in some way and good luck too

As for me, happy to help out. I am not a Landlord, but I have been in the past. I am not an Agent, but I have been in the past. I am, therefore, a has been, so always seek independent and suitably qualified advice elsewhere before relying upon whatever has been posted here :-)

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I agree that clarification is needed regarding the payment of rent and the situation with the lender. However, now would be the absolute worst time for the landlord to potentially miss a mortgage payment because your rent hasn't arrived.

I think a polite letter or phone call to the landlord/agency is the way to go in the first instance, if you wish to post the response here then we can advise further.

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I agree that you should contact the landlord. I think you should pay your rent in the normal way. Not only are you obliged to pay it under the terms of your tenancy, but if your LL is having mortgage problems it won't help his cash flow if you don't pay your rent.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I spoke to the agents this morning and sent them a copy of the letter. They came back to me saying the landlord had been in contact and is one month in arrears with the mortgage but was sorting this and that witholding this months rent would make the situation worse, so I have agreed to pay it.

 

However, I am still concerned that the mortgage company seem unaware that the house is tenanted and I have raised this with the agents and asked them to check the status of the landlord's arrangements with the lender.

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I can understand your concern, but your contract is with the landlord. Did you tell the agent about the questionnaire? I can't help thinking that RBS are out of order asking for information from you, or revealing any info about your landlord under the Data Protection Act.

 

I really think this is for the landlord to sort out and you should simply refer them to him or the agent if they want info.

 

Hopefully if it's only a month arrears it should be sorted soon.

 

How long is left on your tenancy?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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