Letter from Landlord's Mortgage Lender

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Letter from Landlord's Mortgage Lender

    Hi, I was wondering if you could help shed some light on my situation.

    I received a letter from my LL's mortgage company requesting that I call them to discuss the tenancy. It did not mention why, just to call them. When I called them they asked for my name, a contact telephone number, the length of my contract (I had to explain that it is 12 month AST ending in Sept but I've been given notice to leave at the end of May, LL attempted to raise rent illegally then used break clause to get me out, they're a total nightmare), how much rent I pay p/m and (bizarrely) if I'd been in contact with the LL and a contact phone number for him.

    When I asked why they need this information they told me they could not say because of the Date Protection Act, they only said that they needed to collect information about the tenant.

    What I want to know is why would a mortgage company contact me like this? I asked on another forum and the consensus seemed to be that they are preparing to repossess the property and are trying to find out their obligation to me when they do. Is this likely or is there another reason why they would contact me like this?

    Thank you for your help.

  • #2
    I'd agree with the other forum.

    Funny how DPA prevents them telling you about the landlord but doesn't prevent them asking you equally sensitive questions about him and his business!

    Comment


    • #3
      Definitely, its a shame that it falls just after my exams end, I could do without needing to think about moving while doing exams.

      I'm worried that the flat is going to be repossessed and I'll have to leave earlier or deal with more nonsense. I wish the mortgage company were more open about why they contacted me.

      Comment


      • #4
        Originally posted by roryl View Post
        Definitely, its a shame that it falls just after my exams end, I could do without needing to think about moving while doing exams.

        I'm worried that the flat is going to be repossessed and I'll have to leave earlier or deal with more nonsense. I wish the mortgage company were more open about why they contacted me.
        I doubt very much that the mortgage company would be able to re-possess the property before the end of May. If they intended to, they would still have to issue you with a s21 notice giving you two months' notice of their intention to repossess - they cannot just illegally evict you. If you refused to move out they would have to apply for a court order for possession - and that takes weeks. You would have less security of tenure if your LL has let the property out without the mortgage-lender's permission, but I am sure they will let you stay until you planned to move out anyway - it is only a matter of a few weeks. It's not worth the hassle for them to do otherwise.

        Even if you rang and asked them, it is unlikely they would discuss it with you anyway. So don't worry. They may even just be checking the LL's story and not intend to repossess at all.

        Good luck with your exams!
        'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

        Comment


        • #5
          That sounds reasonable, I know these things take forever to get in motion and it seems like (if they are going to repossess) they are only at the beginning of the process.

          Thanks for the good luck.

          Comment


          • #6
            Originally posted by mind the gap View Post
            If they intended to, they would still have to issue you with a s21 notice giving you two months' notice of their intention to repossess
            Good luck with your exams!
            Not nesecarily, if the LL does not have authority to let they only provide notice to the LL not T (so T may lawfully get no notice at all). Secondly they have an S8 on Ground 2 at their disposal. T will get notice of proceedings though in a "to the occupier" letter

            However agreed not much is likley to happen in the next 6 weeks

            Comment


            • #7
              Originally posted by matthew_henson View Post
              Not nesecarily, if the LL does not have authority to let they only provide notice to the LL not T (so T may lawfully get no notice at all). Secondly they have an S8 on Ground 2 at their disposal. T will get notice of proceedings though in a "to the occupier" letter

              Yes. However, I did point out to OP that his security of tenure would be compromised if LL did not have permission to let. Please re-read #7.
              'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

              Comment


              • #8
                Originally posted by mind the gap View Post
                Yes. However, I did point out to OP that his security of tenure would be compromised if LL did not have permission to let. Please re-read #7.
                Agreed, just wanted to point out that S8 G2 was another option that can be used during the fixed term where an S21 can't. In this case the break clause was succesfully applied

                Comment

                Latest Activity

                Collapse

                • Tenant's energy debt.
                  Gordonmrln
                  I am a landlord of a 2 bed end terrace, the property is owned out right. I am registered Disabled and this was the main reason I decided to rent my property out. As it was not a suitable property for my Disability. I would have to make some major changes that would devalue my property like installing...
                  20-07-2017, 22:08 PM
                • Reply to Tenant's energy debt.
                  Gordonmrln
                  Hi there, I was wondering if anyone can help me yet again, I've just got off the phone with the debt collecting agency and I am physically shaking, I was so angry and upset I just had to come and try get some help. As You are aware I had to send them some documentation regarding my late wife's death....
                  26-07-2017, 14:26 PM
                • Wanting/needing to leave early
                  geologist
                  I am in England and currently on a periodic tenancy 5+ years. This week I should have confirmation that I have a new AST in another country one the landlord provides a good enough reference (which they should do....I have been a great tenant). The landlord knows I am wanting to move as he, earlier this...
                  26-07-2017, 08:36 AM
                • Reply to Wanting/needing to leave early
                  mk1fan
                  OP, I can see you point but that doesn't give you any entitlement.

                  Renting is a funny circumstance as it is the occupier's home but the owner's business asset.

                  You say you are relocating. Would you relocate if your new employer said they would only make their mind up to employ...
                  26-07-2017, 14:18 PM
                • Tips for making a good impression when meeting a landlord
                  purpleangel
                  Our potential new landlady has 'approved us in principle' but wants to meet us at the house as the final part in the referencing process. Beside the obvious such as look smart, tidy and professional and warn the kids to behave, any particular tips for making sure this last hurdle goes smoothly?
                  26-07-2017, 10:11 AM
                • Reply to Tips for making a good impression when meeting a landlord
                  Wannadonnadoodah
                  I decided not to let to a family based on the car they turned up in. Had made my decision before they had even turned the engine off....
                  26-07-2017, 14:12 PM
                • Reply to Wanting/needing to leave early
                  jpkeates
                  The contract term is there for a reason - to allow access to override the general principle of quiet enjoyment.
                  It's not a question of priority (although it would be more helpful if the terms of access were clearer - or not, lots of contracts consent to viewings in the last month of the tenancy,...
                  26-07-2017, 14:09 PM
                • Mice in the flat - what to do?
                  JP23
                  We have had mice for a while now. There's only one or two that we see (we're not overrun) but still, they've left urine stains in our cupboard and behind the skirting it's ridiculously filthy and soiled.

                  Are we legally able to pay for a cleaner then subtract it from our rent next month...
                  26-07-2017, 06:02 AM
                • Reply to Mice in the flat - what to do?
                  jpkeates
                  That isn't an actual law - it's Shelter's view of the duties of a landlord.
                  It isn't as black and white as that - life would be simpler if it was.

                  Your view that there have been mice in the property before isn't any evidence that they were there when you moved in.
                  If the neighbours...
                  26-07-2017, 14:04 PM
                • Reply to Mice in the flat - what to do?
                  JP23
                  This is the most helpful response, thank you....
                  26-07-2017, 13:51 PM
                Working...
                X