Based on that experience, I’d be interested to know whether you think it would be more worthwhile to self insure for this kind of issue.
MCOL is a relatively cheap and easy way to rectify that. Send her a bill and give her 2 weeks to pay up or else!
Perhaps get a guarantor in future, I had a tenant who coughed up over £8,000 in remedial costs simply because he could not subject his MD. aunty with the disgrace of a CCJ.
Even without a guarantor I’ve had tenants pay up eventually when they could no longer function with a CCJ on their credit file.
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Forgot to add them to my list of crooks earlier.
I have a subsidence claim that’s been turned down to the tune of £57K because they don’t like the way I presented the costs and refuse to consider loss of rent to 2 properties with huge cracks that they claim are still habitable with kitchens removed to access the crack repairs…!
Financial Ombudsman here we come, yet more effort and delay in settlement.
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According to Which
“Consumer trust in the insurance sector and social media platforms remains low, with trust scores of -15 and -42, respectively. These are now the only two sectors whose trust scores remain below zero”
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According to Which
“Consumer trust in the insurance sector and social media platforms remains low, with trust scores of -15 and -42, respectively. These are now the only two sectors whose trust scores remain below zero”
(Little dated. May 25)
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MCOL. Thats interesting Chris35. Have you done this in the past and given them 2 weeks to pay – or take this to MCOL then
Yes, if it ends up before a judge in court they expect you to have given the debtor reasonable notice of the proposed claim, i.e. 2 weeks, and the opportunity to settle out of court.
MCOL (Money Claim on Line) is a digital submission of your claim, don’t forget to add for interest and a note requesting the full release of their bond from the DPS. You only need to wait 14 days for the defendant to respond, if they don’t you can than instigate, again digitally, via MCOL an immediate judgement at the click of a button.
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HI Chris 35 – The problem i have at the moment … is that she is refusing to give me her forwarding address.
I only have her work address. I do have a good idea of where she is living with her mum, so maybe a bit of handging around there or knocking on a few doors and see if she answers.
Jane,
Just bin it all and move on to having the property professionally cleaned. Don’t bother speaking to the tenant again, there is no point. Absorb the losses and use it as a right off. If you continue to tie yourself up in knots, you’ll go mad. The evicted tenant is highly unlikely to take any action against you. Good luck!
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It’s not a problem. It is legally acceptable to use the last known address, particularly as that is the address she has just moved out of and logically should have put a postal redirection arrangement in place, or at least that is the courts assumption.
It actually works in your favour if she hasn’t redirected mail, as she will not receive the court claim document and therefore will not have the opportunity to respond / defend it. The CCJ will then be issued automatically at your request after 14 days + 5 days postal allowance for the court claim to be deemed to have been received, the MCOL system will identify the date you can invoke the CCJ.
You will need to send her a text message / email / letter to her last known address giving her notice that you intend to submit a CC claim if she doesn’t pay up the remedial costs etc.
Don’t waste your time trying to find her until you have the CCJ in place, then you need to get payment via a court warrant of execution to remove goods, attach her earnings or her bank account. This cannot be done via MCOL.
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Thank you Chris … this is very helpful. you are very supportive and it is much appreciated
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