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    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.    Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.   The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved.  Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
    • You can use a family's address.   The only caveat is for the final hearing you'd need to be there in person   HOWEVER i'd expect them to pay if its only £200 because costs of attending will be higher than that
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Leaving rental contract due to disability


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Hi there,

 

We have a really good landlord but I am in a 3rd floor flat and have found out I have MS.

 

Increasingly I am finding the stairs difficult, both with vision and energy.

 

We still have 8 months to go on a 12 month contract. At the moment we are thinking of staying until the lease is up but we keep seeing ground floor properties with adaptations and are worried that nothing suitable will be around in 8 months.

 

(last time we were looking there were no ground floor properties)

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I will try and find someone who can help.

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I have moved your thread to a more appropriate forum. You need do nothing, it was purely an administrative move.

 

I am sure there will be caggers who will be able to advise what you can do.

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I agree with Mariner - the sooner you discuss this with your landlord, the better.

Hopefully, he will be sympathetic but don't forget he stands to lose money if you leave early, so may ask for some kind of financial settlement in return for surrendering the lease. Or he may require you to continue to pay the rent until a new tenant moves in.

Make sure all communication is in writing.

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Does the single equality act help you here I wonder?

 

I would be looking to contact an MS support group and see if they can help you

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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#SS. why should Equality Act be relevant, unless OP is registered/qualifies as disabled?

MS is a slow progressiive, debilitating disease of the nervous system. As a newly diagnosed MS sufferer, OP is suffering early symptoms of fatigue, so I can understand need to vacate 3rd floor flat (no lift?).

A compassionate LL may offer amenable terms for accepting early surrender if suitable alt can be found. T can vacate at end of fixed term anyway.

Many HA's have difficulty in sourcing ground floor flats for their deserving Ts. PRS LLs not have similar obligation to their Ts

Ultimately it isTs resp to find suitable alt accom and negotiate terms for T release

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You could ask for termination due to frustrated contract, no longer able to get up stairs so cannot occupy the flat. A month's notice should allow LL to find someone else and not suffer any substantial loss. Managing agents are a bit trickier to persuade as they like to add a few quid to everything for their troubles so you may have to consider paying them a fee, even if LL happy enough.

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#SS. why should Equality Act be relevant, unless OP is registered/qualifies as disabled?

MS is a slow progressiive, debilitating disease of the nervous system. As a newly diagnosed MS sufferer, OP is suffering early symptoms of fatigue, so I can understand need to vacate 3rd floor flat (no lift?).

A compassionate LL may offer amenable terms for accepting early surrender if suitable alt can be found. T can vacate at end of fixed term anyway.

Many HA's have difficulty in sourcing ground floor flats for their deserving Ts. PRS LLs not have similar obligation to their Ts

Ultimately it isTs resp to find suitable alt accom and negotiate terms for T release

 

It was an area to explore, not only regarding LL but maybe also to assist in finding somewhere else.

 

FYI "unless OP is registered/qualifies as disabled?" from what the OP has stated already, they qualify as disabled. " I am finding the stairs difficult, both with vision and energy"

 

1. Does the condition impact on their every day living? - YES

2. Is/has there condition likely to/have lasted more than 12 months - YES

 

Remember, the single equality act not only applies to employment law but also in the provision of goods and services.

 

Not sure how it can be used, but I thought I would mention it as it is an avenue worth exploring

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IN this case, if a Disabled Tenant makes a specific request, the LL is duty bound to investigate it and see whether it would be "reasonable" to grant it.

 

IF the T found a suitable property that catered for them and then offered 1 months notice to surrender early on the grounds that their disability prevents them from "Enjoying and Accessing their property", the LL would struggle to argue refusal is reasonable.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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You could ask for termination due to frustrated contract, no longer able to get up stairs so cannot occupy the flat. A month's notice should allow LL to find someone else and not suffer any substantial loss. Managing agents are a bit trickier to persuade as they like to add a few quid to everything for their troubles so you may have to consider paying them a fee, even if LL happy enough.

 

As a landlord, I'd also ask that the outgoing tenant pays the fees involved with signing up a new tenant - our agent charges £240.

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There is no 'frustration' of contract here. There is also no 'duty' for the LL to investigate this particular request (flat is on the third floor, no lift, there's nothing to investigate - the issue is not INSIDE the rented property, but where the property is located); an AST doesn't account for a LL having to be 'reasonable' in a request to break a fixed term tenancy. The flipside of that would be that the tenant also would have to be 'reasonable' if the LL wanted the flat back sooner - you can see where that type of 'logic' would lead...

 

The disability issues are for discussion and negotiation with the landlord, they do not, in themselves, provide an out from a perfectly valid contract (even death doesn't end a fixed term AST - a s21 notice still has to be served). The LL remains entitled for the contract to be seen out to 12 months - and the tenant remains entitled to that contract being seen out to 12 months. OP can no more use his/her disability to get out of the contract than the LL would be able to use that disability to get the OP out of the flat. There are no breaches of either Equality or Disability laws from the OP's description of the situation.

 

Negotiation is the only legitimate way to proceed - which will probably lead to agreement from OP's 'really good landlord'. Remember, the LL is entitled as of right under the contract, to the rent until the end of the term, so he/she does not need to agree, but if they do, the OP will almost certainly be required to continue paying rent on the property until it is re-let (if it's a nice property, it won't stay on the market long).

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Hi

 

I am afraid I would have to agree you are going to have to negotiate with the Landlord on this matter.

 

You also need to consider getting as much medical evidence as possible that they need to move from present flat location to a suitable ground floor flat. Doctors letter, Consultants letter and also

 

get onto your local councils, social work dept and request an Occupational Therapy Assessment for the property you are in at present.

 

(They need to be specific in the letters that it is a Ground Floor property, How many bedrooms and the medical reason if an extra bedroom required and any specific medical requirements the property needs to have)

 

Also have a look on the net for Housing Associations etc in your local area and get application forms into them so you are added to their waiting list.

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  • 9 months later...

We have been told that our property is no longer suitable, health wise by an Occupational Therapist and a Neurologist.

We have been offered another house, with a lift. Much more suitable for health.

Only problem is we still have several months left on the contract (12 month contract) - 9 months left.

This has a second issue of getting a landlord reference when we are leaving early.

The landlord is aware of the situation. In that stairs are making it so I can't walk any more. Ending up stuck upstairs.

I'm almost thinking of passing it up because of the money if we have to pay two rents over 7-8 months.

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I assume this is a private rental. Are you sure that the Fixed Term is for a whole year. Sometimes tenancy agreements are drawn up for a year but the Fixed Term is only 6 months. Your best bet it probably to negotiate with the LL. If the property gets relet LL cannot usually get the rent twice.

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Legally all you can do is to offer 'early surrender' on LLs terms. He may allow you to leave to move in to new flat at end of current rental period in exchange for cash amount equiv to rent to end of month 6 (or less). He may be relieved to get property back early rather than wait for month 12 end.

If accepted, get a Deed of Surrender signed by both Parties to end the T on that daY.

NEGOTIATE with LL.

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