Your Questions About Private Mortgage Lenders

Laura asks…

Help Please – My Landlord tell me yesterday to move out tomorrow! ?

Hello there,

I have just found out that the flat I have rented for the past five months is to be repossessed by the lender. I found this out last week when I received a letter addressed to “the occupier” at my address from a firm of solicitors representing the lender, stating that my landlord has defaulted on the terms of the mortgage and the court date has been set for 17th September.
I contact by email my landlord strait away, but he don’t reply me back until yesterday.
He tell me “Unfortunately for various reasons I have not been able to stop the repossession of the apartment on 17th September and am currently making arrangements to have all my possessions moved out on Monday/Tuesday to comply with the Notice you have received.”
dated 13 september 2008 15:28

He can do that? Is That Legal?

How am I supposed to find another house in 3 days? Its weekend and let agencies are close, and you cant find many private landlord in web sites on-line.
Where my 3 years old daughter is supposed to live if i can t find a house until tomorrow afternoon?

Please tell me if I can do anything else to sort out my big problem!

Thanks for your time!
Best regards
Catia
Sorry this is my first post!
I live in Cardiff, Wales

answers:

First of all, stop panicking! You have not even had a legal eviction notice yet. Don’t bother about CAB for this, phone your local council and talk to the Private Tennants Officer who will be able to help and give you the correct information. Do this NOW!! Get down to your local council and get on the housing list and show them the letter so they can begin to sort it out.

Someone might come out to see you today or arrange an emergency appointment. As this is not your fault. It is very very important that you do not leave the property or you could be seen as making yourself intentionally homeless. The council will put you into temporary accommodation again, don’t panic! Usually, when you have small children this is a temporary flat until they can find you somewhere permenant.

Yes, you will have to leave but not for at least two months. Do not pay any more rent until you know your position. It is very unlikely you will get your deposit back – unless it has been put into the Assured Deposit Scheme so that could be lost money.

Do attend the court tomorrow as they need to know that there is a tenant who has not even been given the correct notice. I suspect the mortage company are trying it on as so many do not know the law.

Edit: Please do not go and live with friends and family. Although this is tough on you at the moment, it just could be a blessing in disguise. You have a young child and need security. Your best interests and your child’s would be to be in a property where you know you are not going to have to go through this again. Let the council help you now. You are one of the people who are not taking the pi**.

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