Active discussions

Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Talk
Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

Original poster

So we're being evicted AGAIN!

500 replies

OnandOnItGoes · 01/05/2023 22:48

3rd rented property in 7 years. Been here for 4 years. Had to leave the last two properties as landlord selling, now we're in the same situation again.

Rent always paid on time and properties always very well looked after so it's not that we're bad tenants, just the never ending game we're stuck in.

We left within the notice period of last 2 properties but can't with this one as rents are £500+ for similar properties and much smaller worse properties with no parking/horrible areas are £200-300 a month more and we simply can't afford it or find one which we are successful for as they seem to only want 'professionals' in high paying jobs.

Council have been no help and have said as both DH and I work, we need to find another rented property. I can only work part time in a low paying admin job due to caring responsibilities as need to be on hand for disabled DC for school drop/pick up and after school as no after school care (teens). We have no family support.

Also worried about being put in temp accommodation as around here it seems to be adapted office blocks with lots of anti social issues. Also as we work I understand we'll have to pay a lot for it!

Section 21 expires on 15th May and I'm aware Landlord will start court process for possession as he's very keen to get us out and get it sold. I assume he'll use the accelerated procedure as he's a professional landlord with lots of properties and is selling most of them I believe.

Does anyone know how long we may have before bailiffs? We're in the South East. I've already looked into storage facilities so we can empty the house but we have no family to stay with so not sure where we'll go from there.

Of course we will continue looking for a property and continue paying rent but any advice on timeline will be helpful if anyone has been through the process recently?

The stress is unbearable and much worse this time due to the current rental market!

OP posts:
Thread gallery
15
justasking111 · 09/05/2023 16:12

The government in Wales used a sledge hammer to crack a nut demonising all landlords. Meanwhile a huge amount of their own councils accommodation is in a terrible state which they turn a blind eye to. They should have as their much touted roll out of rent smart Wales that all landlords had to register with.

Landlords in Wales were told all properties were to be physically inspected by them and bad landlords prosecuted. Has that happened. Nope. Landlords pay Rent Smart Wales for what exactly you have to ask

MrsCarson · 09/05/2023 16:22

Anotherusernameagainitseems · 09/05/2023 08:53

There is a building society doing a 100 percent mortgage with your income it makes sense to buy if you can

I was going to say this. Skipton building society, 12 month of paying rent on time, and good credit. The mortgage payment can't be more than you are paying in rent.
I was going to suggest this to my Ds and his wife, but they have a a great rental and are good tenants so the rent hasn't risen, on a new build flat. The rent payment is less than the cost of buying where they are living.

VegetablesFightingToReclaimTheAubergieneEmoji · 09/05/2023 16:25

Crikeyalmighty · 09/05/2023 13:57

@VegetablesFightingToReclaimTheAubergieneEmoji your post about long term stability on Saturday summed it up beautifully- it's not just having to move within local area too- many have had to keep moving towns to actually get somewhere remotely suitable when there is a shortage.

And then that pushes rent up in the next town and the next town etc.
that’s without the emotional affect it all has on your kids of these enforced moves

Interested in this thread?

Then you might like threads about this subject:

Property legal advice
HurryShadow · 09/05/2023 18:07

Bloopsie · 06/05/2023 06:48

Motability is high rate motbility only, very very hard to get.

Show quote history

I know - my DPs had one for my sister. I'm not sure if OP had mentioned the severity of her DC's disabilities, so I thought I'd mention it if it might be of any use.

Crikeyalmighty · 09/05/2023 18:26

@VegetablesFightingToReclaimTheAubergieneEmoji absolutely- all that will happen is if you say to people 'move up north then'. Is that those who are able to wfh or are used to paying say £1400 a month will outbid locals used to paying £900 a month etc.

Whichnumbers · 09/05/2023 19:18

they have today started a mortgage for renters without a deposit, maybe worth looking at?

caringcarer · 09/05/2023 20:31

How's it going OP?

caringcarer · 09/05/2023 20:54

ThankmelaterOkay · 04/05/2023 21:42

I did not. You got a source for this? Do you mean Virgin Money? Thought that’s what NR became.

Show quote history

Northern Rock split up into different names. We had a mortgage with them. Now it's moved across to one of the names called Landmark mortgages.

caringcarer · 09/05/2023 20:57

@Straggletag do you think the same about companies who lease out cars?

caringcarer · 09/05/2023 21:05

Straggletag · 06/05/2023 11:28

Private rents ARE astronomical due to the artificially-inflated-thanks-to-BTL house prices. This is exactly why BTL shouldn’t exist.
And what about the tenant’s retirement and pensions? Because while they’re paying for the Landlord’s mortgage/retirement fund they are also unable to save and unable to buy so they’re getting screwed from both ends. It’s pretty grotesque if you actually think about it.
Not to mention all the housing benefit that goes towards BTL mortgages via the tenants, yet owner occupiers can’t claim it.

Show quote history

You seem very angry. Most btl LL have interest only mortgages so the tenants are not buying the home for the LL. They are paying market rates to rent a property for a time period. Most LL don't let to people on benefits who don't work so I doubt much housing benefit is being paid to LL. The best way is to save a deposit before having children then no nursery fees etc so easier to save. I have had several tenants who have rented my houses save enough for a deposit.

Straggletag · 09/05/2023 21:20

Oh I seem angry do I? You do realise that many people that get housing benefit are in work. It isn’t paid towards owner occupier’s mortgages only rentals, so yes a big chunk of taxpayers money thrown at LLs so they can pay off their mortgage, which is bloody disgusting.
Undeniably BTL has screwed the housing market and any choice people have about a roof over their head.
And did you actually compare cars to homes?!

ThankmelaterOkay · 09/05/2023 21:29

caringcarer · 09/05/2023 20:57

@Straggletag do you think the same about companies who lease out cars?

I hate when I get evicted from my car so the company can lease it to someone for more money.

caringcarer · 09/05/2023 21:40

Straggletag · 09/05/2023 21:20

Oh I seem angry do I? You do realise that many people that get housing benefit are in work. It isn’t paid towards owner occupier’s mortgages only rentals, so yes a big chunk of taxpayers money thrown at LLs so they can pay off their mortgage, which is bloody disgusting.
Undeniably BTL has screwed the housing market and any choice people have about a roof over their head.
And did you actually compare cars to homes?!

Most LL are not paying off their mortgage. They are interest only. I know about 100 LL and only about 6 are paying off their mortgage. Most just pay interest only and will gain when property goes up in value over time so they get more equity.

caringcarer · 09/05/2023 21:41

Most LL I know only rent to couples where both are working too.

Thesharkradar · 09/05/2023 22:01

Most btl LL have interest only mortgages so the tenants are not buying the home for the LL
the tenant is still covering the cost of servicing the mortgage, without which the LL would not be able to realise the expected capital gains.
Of course interest only mortgages look rather different now that interest rates are regressing to the mean....

Thesharkradar · 09/05/2023 22:05

And did you actually compare cars to homes?!
sadly she may have a point, living in ones car will be the only option for some who are priced out of having a roof over their head🙁

Xenia · 09/05/2023 22:24

Here in our bit of the SE tehre are so very many tenants it is those with the best credit records and highest annual salaries which seem to be the ones likely to get the tenancies of the better quality homes. I don't think a letting agent has ever even suggested someone on UC to us. However obviously there are different parts of the market.

IN times when the capital value of the property is reducing as happened 100% of the time for us before we sold in the 1990s instead of a tenant paying the landlord to buy a property the landlord is subsidising the tenant to live more cheaply whilst the landlord loses money - is becomes in a sense a charitable gift from landlord to tenant but without the tax relief for the landlord. I have never personally let a place since and was never able to use either the large capital losses nor the income losses on rent over interest charges even in those days when you could set them against the rent before tax - we still made losses.

Straggletag · 09/05/2023 22:25

Thesharkradar · 09/05/2023 22:05

And did you actually compare cars to homes?!
sadly she may have a point, living in ones car will be the only option for some who are priced out of having a roof over their head🙁

Scary coz it’s true :(

Thesharkradar · 09/05/2023 22:35

IN times when the capital value of the property is reducing as happened 100% of the time for us before we sold in the 1990s instead of a tenant paying the landlord to buy a property the landlord is subsidising the tenant to live more cheaply whilst the landlord loses money
Well, that's one way of putting it!
I'd say the LL is squeezing as much money as he can get out of the tenant so that he at least has some income while he figures out how to not go bust because his business model is no longer viable.

Parsley1234 · 09/05/2023 22:57

@Thesharkradar and tgst is going to help anybody how ? Tenant will have no home and neither with landlord so a proper race to the bottom

Thesharkradar · 10/05/2023 00:57

Parsley1234 · 09/05/2023 22:57

@Thesharkradar and tgst is going to help anybody how ? Tenant will have no home and neither with landlord so a proper race to the bottom

I dont deny it and neither did I in my post, or address it even - I was merely attempting to reframe the issue.

VegetablesFightingToReclaimTheAubergieneEmoji · 10/05/2023 07:24

The BTL market was entirely different in the 90’s, the landlord looked at the raise in capital of the bricks as profit not the tenants monthly payment as the return.

VegetablesFightingToReclaimTheAubergieneEmoji · 10/05/2023 07:26

ThankmelaterOkay · 09/05/2023 21:29

I hate when I get evicted from my car so the company can lease it to someone for more money.

Show quote history

Or turned down a lease car because I’ve got kids.

VegetablesFightingToReclaimTheAubergieneEmoji · 10/05/2023 07:29

Crikeyalmighty · 09/05/2023 18:26

@VegetablesFightingToReclaimTheAubergieneEmoji absolutely- all that will happen is if you say to people 'move up north then'. Is that those who are able to wfh or are used to paying say £1400 a month will outbid locals used to paying £900 a month etc.

The council next to me house people 70 miles away, so they are paying south east rates marginally reduced. That’s going to be catastrophic for any local renters, In what was a reasonable priced town.

Parsley1234 · 10/05/2023 08:25

The whole system is screwed I had to take a job for the DWP in the pandemic as my 3 businesses were closed. One lady with 7 kids she had learning difficulties was evicted from the council house with rent arrears over 3 years she was then insecurely housed in Band B over £5k a month 10 times what her rent was before because no one had supported her to get the rent paid to her landlord directly years before. Ironically her landlord was Bristol CC in both cases