Landlord not paying mortgage on property I am renting

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Good morning again, MilliesMadMother,

We refer to our earlier email and can now confirm that a decree was issued last week in favour of Mortgage Trust.
Lenders Solicitor have now confirmed that no action is likely to be taken for at least another 4 weeks at which time a Notice to Quit will be served.
This in effect means that the earliest that you will require to vacate the property will now be early August.

Big Boss, Letting Agent

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Hi MilliesMadMother,

It’s up to you what you do – I can’t advise you one way or the other.

Technically you are liable for the rent as per your contract until it is , for example, voided by the court. It is probably the case that the rent should still be paid to the borrower not the lender at this point.

I think the key thing for you is not to leave the property ‘out of pocket’ in terms of your rent and deposit if you can avoid it. The considerations around your ‘investment’ in the property are something I can’t really comment upon and don’t form part of your contractual or deposit arrangements.

If you want to wait for the lender’s response until you make you next move/release any more rent then be clear to the agent you are doing this and why.

As I’ve said before – starting planning for worst case scenario and assessing your options.

Regards,

Case Worker, Shelter Scotland

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Good Morning MilliesMadMother,

RE: UNPAID RENT - House on the Hill

We write with regard to the rent which remains outstanding in respect of the above mentioned property.
Clarification in writing has now been received from Lenders Solicitor that rental income due should continue to be paid to the borrower and not to the lender. Once the paperwork for the decree is processed and assuming it is granted/has been granted Lenders Solicitor will issue you with a formal Notice to Quit which will officially give you a further two months in the property.
As things stand at the moment it is more than probable that you will still be in the property until at least early July.

I trust this clarifies the situation further and now look forward to receiving your April rental of £450.

Big Boss - Letting Agent

[The Tech Clerk]

Re: Landlord not paying mortgage on property I am renting

Daughter in the same situation

[patchouli]

Re: Landlord not paying mortgage on property I am renting

This happened to us too and now the landlords are saying they want to sell up... 6 years of living here and now I'm in a stressy mess trying to find a new home lol.... hope yours was sorted out in the end!

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

No word back from Case Worker, Shelter Scotland today he must be on holiday as he has been really good at getting back to me quickly.

If I don't hear by Monday morning then I will give him a call

Hi MilliesMadMother,

You have already notified the lender’s solicitor of your position (and willingness to pay rent if your tenancy is binding or enter into discussion about purchase) so I think you are right to await their response.

Withholding rent is obviously an option at this stage and it’s up to you if you want to do that.

I always urge caution in these situations and would still advise you to ‘assume the worst’ i.e. that you will not be able to stay long term and the lender may seek to void your tenancy agreement sooner rather than later.

Let’s just see what they do.

Regards,

Case Worker, Shelter Scotland

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Hi Shelter Scotland

I spoke to the court today and decree has been granted so no doubt Lenders Solicitor will be serving me with a 2 month eviction notice.

The Landlord had 4 properties taken from her in court today!

I guess in the meantime I won't be paying any rent to anyone as I have fully decorated the flat to allow her to sell on the open market.

Let me know your thoughts.

MilliesMadMother

No word back from Case Worker, Shelter Scotland today he must be on holiday as he has been really good at getting back to me quickly.

If I don't hear by Monday morning then I will give him a call

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Okay so let's ask somebody else what to do next. I never give up.

Tomorrow I will email you the name and contact details of the Mortgage Trust's Customer Service Manager. This guy is a top bloke who helped me (as a Landlady) when the sh*t hit the fan in 2010 because my Tenant stopped paying rent and my property was on the brink of being repossessed. Thanks to him I still own that property *phew*.

As of today your rogue Landlady no longer owns the roof over your head. Yay! That is now owned by the Mortgage Trust. Time to talk to the horse's mouth.

Plan B x

This sounds like a good plan.

I hope Mrs ExLandlord doesn't sleep well tonight but guess these kinda folk don't really care.

Do you think I should be done paying the rent for now?

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Tonight lick your wounds and drown your sorrows (do you really like linoleum that much?).

Plan B x

I was too busy killing all the dandelions in Mrs Landlords garden tonight, more stuff I had bought to make the factored garden area look nice...

I must be off my head....

[PlanB]

Re: Landlord not paying mortgage on property I am renting

no doubt Lenders Solicitor will be serving me with a 2 month eviction notice.

. . . . I previously asked him this and they don't

Okay so let's ask somebody else what to do next. I never give up.

Tomorrow I will email you the name and contact details of the Mortgage Trust's Customer Service Manager. This guy is a top bloke who helped me (as a Landlady) when the sh*t hit the fan in 2010 because my Tenant stopped paying rent and my property was on the brink of being repossessed. Thanks to him I still own that property *phew*.

As of today your rogue Landlady no longer owns the roof over your head. Yay! That is now owned by the Mortgage Trust. Time to talk to the horse's mouth.

Tonight lick your wounds and drown your sorrows (do you really like linoleum that much?).

Tomorrow we'll get to work on Plan B. I'll maybe join you in a drink this evening too

Plan B x

[cymruambyth]

Re: Landlord not paying mortgage on property I am renting

I am sorry how this is turning out. Have you got in touch with the letting agent as he seemed to offer you help earlier.

[nanna58]

Re: Landlord not paying mortgage on property I am renting

What a sodding shambles .Really disgusted at how you have been treated Millie, my heart goes out to you.Surely someone has to find you a decent place to live ,convenient for you and you son .xxx

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

Well all I spoke to the court this afternoon and decree was granted so no doubt the solicitor acting on behalf of the lender will be serving my 2 months eviction notice...

Mrs Landlord obviously has no conscious as she had 4 properties taken from her today in court.

Hi Shelter Scotland

I spoke to the court today and decree has been granted so no doubt Lenders Solicitor will be serving me with a 2 month eviction notice.

The Landlord had 4 properties taken from her in court today!

I guess in the meantime I won't be paying any rent to anyone as I have fully decorated the flat to allow her to sell on the open market.

Let me know your thoughts.

MilliesMadMother

- - - Updated - - -

Email the case worker at Shelter to discover whether the Lender has to honour your tenancy agreement until 30th October.

Plan B x

I previously asked him this and they don't

[PlanB]

Re: Landlord not paying mortgage on property I am renting

I spoke to the court this afternoon and decree was granted so no doubt the solicitor acting on behalf of the lender will be serving my 2 months eviction notice...

Email the case worker at Shelter to discover whether the Lender has to honour your tenancy agreement until 30th October.

Plan B x

[milliesmadmoth]

Re: Landlord not paying mortgage on property I am renting

OI YOU .....think you now owe us all a pair of very expensive shoes

I am with you on this Nanna