To be pissed off at having just seen my tenants spending a load of cash whilst they're behind on rent?

[JennylovesRosie]

I am fed up to the back teeth.

This is the third month now where they're falling behind.

(I know them by their appearance and we have a mutual friend on a social networking site)

I have just seen them paying for a spa and no doubt it'll be up on social media next week (they like to brag and display all their newly acquired gains in Instagrammed glory.)

Next month my kids won't have the birthday parties they wanted because I'm subsidising these idiots living expenses and incurring charges as for their late/part payments.

Has anyone managed to get tenants out despite then not being 2 months late on rent. The Lettings agency have told me I'm stuck with them . Can I fine them?

They got a 12 fixed contract in January and surprise-surprise they started to default from day one of it.

I'm so upset.

Some landlords own their properties outright and most own a substantial portion ( most banks will not lend more than 75%) so wouldn't be screwed ( more than any other homeowner who are also possibly viewed as parasites on MN?) if the house market crashes.

Op - landlords are the devil. Tennants don't need to pay rent your providing a socail service ( sarcastic) if all the landlords loose their stock in a market downturn, everyone wins as the government will provide tons more socail housing

if all the landlords loose their stock the stock doesnt vanish in a puff of smoke you know, there is no loss of housing, it will be sold at a clearance price so that hardworking families can afford it and live in it.

Even if I had a deposit I couldn't raise sufficient mortgage on my (well above average, professiona) salary as I'm a single person.
If prices dropped then at the point I can raise a deposit I could also raise sufficient mortgage to actually afford somewhere liveable.
It's not just about being able to save a deposit or not - you also need to raise the mortgage as obviously the mortgage is the biggest % by far. Prices dropping will make many people more able to buy who currently can't for that reason.

I would be writing them a stern letter outlining the salient points of their tenancy agreement that rent is due on a specific date and you expect it to be paid no later. Remind them that this is a 12 month tenancy and after that point you will serve notice if the situation does not improve.
It sounds as though they haven't set up a standing order so you may wish to get them to fill in a madate for the bank.

Aria, the person who admited to being clueless, jealous and naive.

Not in the slightest bit embarrassed, if you came whinging to me in real life I'd have a tiny bit of sympathy. I agree it's shit. But do something about it, as it's unlikely to change in the short term.

Hand, you move to where you can afford. I'm not talking about moving north. Move to zone 6 or out of London. I bought 6 years ago, give or take. Yes I didn't have children but I had debts I paid off, student loans etc. I bought the tinest flat in a reasonably good area. Would I have wanted something bigger or better, absolutely. But I couldn't afford it.

I can't speak for everyone and all situations. But you make a sacrifices to get where you need to. Nothing got handed to me on a plate, you do what you have to do. Why is that so hard to get?

Even if I had a deposit I couldn't raise sufficient mortgage on my (well above average, professiona) salary as I'm a single person.

Actually that's a fair point.

Nothing got handed to me on a plate

husbands inheritance

you make sacrifices to get to where you need to

Again more ignorance of the reality of life for so many. Some people are already sacrificed to the hilt just to pay their current rent and bills. There is no more room for manouvre.

I'm not clueless enough to know that you're speaking absolute bollocks.

I have absolutely nothing coming over me as I'm lucky enough to be in council housing, bloody good council housing at that as I'm in Scotland.

So no, no sympathy required, I just have empathy for those who do private rent as the prices are disgusting (and have private rented prior to council)

Can't really get much more handed to you than marrying into an inheritance

Martha you clearly missed the fact that I had already bought a flat before I was married. Your reading comprehension is clearly lacking somewhat.

What sacrifices do you suggest people make Lamu?

Should they stop feeding their kids? Maybe do without Electricity and hot water for a few months? Stop paying off their debts so they're blacklisted and have no hope of getting a mortgage anyway??

"If I can do it so can you" shittiest attitude to have ever. Are you this much of an insufferable prick in real life?

I read it perfectly. You said nothing got handed to you on a plate. I beg to differ based on your own admission that you have benefitted from your husband's inheritance. Perhaps it didnt come on a plate though. My mistake. Now she's going to tell us none of that inheritance was used to purchase property.

Inheritance aside, you were also extremely fortunate to have a brother to act as guarantor for your mortgage. How easy would that mortgage have been to acquire without guarantor?

And imagine having the gall to start pointing your finger and telling everyone to just work harder and make sacrifices when you bought a house at the right place at the right time. You were fortunate, fortune isn't on anyone's side in the current climate as house prices are through the fucking roof.

She means stop renting. Thats the sacrifice she means to make. Because thats what she did when she didnt want to rent. She stopped renting and bought her flat. Oh wait...

Ah right, the cloud thing we were speaking about. Where is that cloud of mine?

Have a chat to NLA I'm sure they'd be able to give much better advice than Mumsnet would on this topic. I'd keep on top of it - as it starts adding up.

I had to sell my cloud to buy food. #sacrifices

Speak to NLA for advice, but I you could start the CCJ process. A landlord I know charges £25 as a late payment charge, then if the late payment charge is not paid she will apply for a CCJ - harsh, but she has 100% rent paid across her portfolio. At the end of the day rent not paid is theft.

If you begrudge paying your landlord rent for the home that you don't own, a home that you don't maintain. Fine get go and get a mortgage and buy your own home. It's simple.

Not that's it's any of your business I inherited too. Are you jealous of that too?

This insufferable prick is out. Im done. Goodnight ladies.