Hi Colin
Thank you so much for your kind comment.
Most landlords are great; as a student, I never had a problem in London or Manchester. In America, I had a similar experience. My first two landlords in the UK were fantastic.
Sadly, the current LL has been appalling. I actually found this property and recommended it to him (a family member) as it was well below market value. I agreed to rent it if he bought it.
When problems first started, he stated that the mortgage wasn’t covered by the rent. I knew this wasn’t true as I’d accidentally opened a letter from Nat West a week before. The mortgage was covered by 55 percent of the rent.
The other thing I learnt back then was that he’d secured a ‘Holiday Let’ mortgage to buy the property, rather than a Buy To Let mortgage. The family all use a former Nat West Manager who sorts out mortgages for them; to me, it’s fraud. Nothing less. I sincerely hope he didn’t deduct mortgage interest on his tax return or offset any renovation costs which can in some way be a deduction from taxable income.
Life is unfair; I sadly have to tell my children this on a day to day basis. I’ve never fiddled a dime in my life but find myself somewhat compromised by people who are dishonest. I’ve reached the point now where, sure, I can find another rental or hopefully buy a place. However, I’ll leave any investigation into a fraudulent mortgage application upto Nat West and HMRC.
I also think by virtue of him having a Holiday Let mortgage for the first five years of my tenancy, it may invalidate any agreement I have. I’ll let a judge decide.
Similarly, the agent who has been harassing me will be reported to the Ombudsman.
I have engaged with a lawyer to seek reimbursement for the costs of repairs I’ve had done along with damages for disrepair.
The lack of GSC will be reported to the HSE and the LL can explain to them why he didn’t have a GSC for over 10 years.
I’ve obviously not had a great experience and there must be 100’s like me. Hopefully, the majority of tenants don’t experience this.