btl mtg tax relief cancellation and student finance

[Berlingogirl]

How does this situation stand with regards to Right to Rent?...

[Berlingogirl]

Ask the bank to chase your payment to confirm where it went.

[Berlingogirl]

Ah yes! I forgot about the 20% - I knew there was something to give a bit of a positive on the whole sorry episode. I'd worked it out without the 20% at being around £3.6K ish, but even so it looks like I'll be scraping up roadkill for protein and trapping small birds under a binlid Thank you ...

[Berlingogirl]

£14k is what I pay in BTL mtgs. With no tax relief that's going to be counted as income so I'll be taxed on it. The the £12k I earn now will go up by £14k and I'll have to pay tax on the £14k thus lowering my £12K . My son gets a student loan based on my income so if my income goes up he gets less...

[Berlingogirl]

They might not be too tight to buy a battery, just not have the capacity to know how to replace it, or to use google to find out about it. Sometimes very intelligent people can't sort this kind of problem out, and sometimes people are just too lazy. They might need Mummy's help or their social work...

[Berlingogirl]

It has to be a BERLINGO!

[Berlingogirl]

When the lack of btl mtg interest tax reduction hits in full my 'income' will go up by £14k more than doubling my actual income. This means my income of £12k goes up to £26k and I have to pay more income tax reducing my actual income to a very low level. I believe this affect my sons' student finance...

[Berlingogirl]

emnick, I can't give you any help or advice on this one, sorry, but £6K? If there's no break clause it looks like the tenant is liable for the whole 3 years. I'm sure somebody with more knowledge than I have will help you soon.

[Berlingogirl]

£100 pm HB isn't a lot unless it's a room in a HMO. To get so little HB are they working part time? Check out the guarantor as if they were the tenant - do all the checks, and get them to sign a deed that makes it clear they are responsible for any rental or damage for the whole of the tenancy otherwise...

[Berlingogirl]

You could ask your local council for a list of local private landlords. Try Gumtree. Also look on rightmove website and look for estate agents that are NOT on your local High Street. Private landlords can't advertise direct on rightmove and have to go through an online estate agent so that's what you...

[Berlingogirl]

Or you could photocopy them then post them onwards....

[Berlingogirl]

The Postal Services act 2000 says this:

84Interfering with the mail: general.


(1)A person commits an offence if, without reasonable excuse, he—

(a)intentionally delays or opens a postal packet in the course of its transmission by post, or

...

[Berlingogirl]

I always open mail because I'm nosey. I don't think it's illegal to open letters but I think it's illegal to prevent the addressee from getting the mail. I'll try and find the legislation.

[Berlingogirl]

I'm so sorry to hear about your situation- it's so unfair. As JKO says you'd be very welcome in England.

[Berlingogirl]

Try googling 'How to get rid of silverfish'. There's loads of info out there on what they like to eat, temperature, humidity and products that can get rid of them. I don't think it's going to be successful if your landlord treats the area with an insecticide if your bathroom isn't sufficiently aired...

[Berlingogirl]

Have you tried your local council? They might have something like Property Pool where you can 'bid' on a property. Or Spareroom website might be worth a try....