Think we're illegally in this house.

[Beccy82]

Hi guys. Really need your help plz? I moved into this house in February 2020 with my 4 children, private rental. Haven't had a tenancy agreement but I didn't when I private rented yrs ago either so no problem. In march I had a letter address to my landlord and his ex wife. I told him but he hasn't collected. Since then i've had 9 unopened letters for him.
Yesterday my daughter told me there was a letter in the door so I said "open it and pass it here please" I was washing dishes. It was one of the letters for my landlord. Obviously I shouldn't have read it but seen it said from mortgage express so I did read it. It said this.

Following our previous correspondence with regards to the possible lettings of the above property (my house), to date we have received no further contact from you.

Please note that it is a condition of your loan that you cannot let this property without our permission. To date, this permission has not been granted and you may therefore be in breach of your mortgage conditions if you are letting the property.

Wtf do I do? He's obviously letting the property to me and my family. The previous tenants lived here for 10-11 yrs. Are we going to get kicked out? I'm on tenterhooks here now. I finally found the house i've been looking for and i'm worried sick we'll get kicked out.
I have proof from bank statements that i've paid him rent every month since march. I don't have proof for the first months rent or the bond that was paid in february because my parents paid that but they'll have proof. But again, I don't have a tenancy agreement. All I have is the rent payments and all our messages from him saying what date I can have the key etc.

Please can anyone help?

no, not having a WRITTEN tenancy agreement still means she almost certainly has an assured shorthold tenancy. She can leave at a month's notice.

@Beccy82

Hi guys thank u so much for all the comments and advice, I really appreciate you taking the time to comment. I feel so much better now and will sleep better tonight taking on board what you've all said. I know i've done nothing wrong, rents paid and there's no damage. I know it's all on him but I was so scared that we'd be the ones punished for it by being kicked out.

No, I haven't got a gas certificate and when I moved in there was only a smoke alarm upstairs on the landing and in the living room (I moved in a saturday) on the monday he came and fitted one in the kitchen and all 3 are working.

Makes me wonder if the landlord has forgot about the situation with the mortgage company. If the previous tenant was here for 10-11 yrs then there's no way she was having letters for him for all those yrs and there's no way a company would chase someone for 10-11 yrs they would have acted on it by now. So i'm wondering if he's even forgot after all this time? Obviously I triggered alarm bells when I moved in, i'm assuming from council tax maybe, who knows! But unless he collects these letters then maybe he's none the wiser.
But again, I cant confront him about it or he'll know i've read it.

@nyclair I didn't open his letter on purpose, I wouldn't do that it's not my mail so nothing to do with me. I was washing dishes when my daughter told me there was a letter in the door, I asked her to open it and pass it to me out the kitchen. That's when I seen it. Obviously assumed it was addressed to me. Yes I shouldn't have read it but I did but I didn't open it on purpose.

Could you post the letters to him via recorded delivery? xx