Being evicted

[Dontknow1234]

I have name changed for this. We are going to be evicted. I have two children one with health problems. I lost my job due to covid. Have lived here ten years. Still by starving myself paid my rent all through lockdown. Can't get a private let as now not working and have no guarantor. Landlord served me with section 21 as selling due to ill health before rules changed so section 21 runs out in four days. I have begged estate agents but they all have this rule of a guarantor. I have gone to the council. Have even been put on two waiting lists as have connections to both areas. Have bidded on everything even areas 50 miles from everyone I know to avoid temporary accommodation and bailiffs. Now the estate agent and landlord are upset with me and dont care about my situation at all. I am sorry for staying but what can I do. Why I've posted is I'm so sad. Ive gone to my MP. The council now don't even answer my calls. My fault I guess for angering them getting a MP involved. What upsets me is some of these properties have ten bids and I'm tenth as only band c and have only been on it couple months but I didn't need to be on it before. I need to go into temporary accommodation for 6 months to be a higher band. I will have to rehouse my pets of years. This will devastate us all. I've told them I will have anything. I will have a private let that will take DSS. No one not even family will help/ be a guarantor so that hurts too. That's just the way my family is though I guess. I have paid for a doctor letter and the doctor agrees with me but he said doctor letters get accused of being a opinion by the council as he's had them tell him it before for someonelse. But I done it anyway as I'm desperate. I don't even need to be band a. If I was band b I could get a house in a week as they all go to people in band c but have to be on the list for two years. I'm not asking for more help than I deserve but I don't agree with my banding. I've been told they need 16 weeks to reassess so that's after a bailiff and I doubt it will change as apparently a health condition that isn't caused by the housing situation doesn't account. No but if my child is unwell and has to leave the b and b all day that's not okay. I've told it will be a b and b. Yet I know people here who have got a house before the section 21 runs out as they have 5 children. I know someone this week who has turned down four properties as not good enough for them. These have never been advertised on the bidding. It's not really a aibu I posted here for traffic. Please be kind as my landlord has said he wants us out by Xmas and I don't get why the nastiness. It's clean, looked after rent paid and always has been but now I'm hated. I've said he can have the court costs out the deposit. I'm not a bad person or a bad tenant. Estate agent has wrote a glowing reference. Yet he told me if I'm not out by next week they have to stop being nice. Like why is what I've done that wrong. I have nowhere to go. I'm sad all the time. I feel like I've let my kids down so badly. I'm on my own and have no family support. The dog comforts ( always lies on me) me but soon he will be gone too and he will be so sad he lives for these children.

when you (eventually) have a court date you must ring the housing department in the council & let them know -keep up dating them especially if you are given an eviction date -than the council have to give you housing (whether its temp or permanent depends on your area)

[quote ramblingsonthego]@Dontknow1234 no evictions can happen during lockdown. And no evictions can happen between the 11th December and the 11th January (this is law, and what bailiffs have to stick to) so don't worry about that. Also for a S21 court date your landlord is going to be waiting a very very long time. They are only just hearing S8 with very serious rent arrears (must be at least 6 months and pre pandemic) or serious anti social behaviour cases. Your landlord will be lucky to get a court date for a no fault eviction (which is what a S21 is) within the next 6 months minimum. Wait it out until you are ready to leave. Honestly you have nothing to fear.[/quote]
Until the landlord can’t pay the mortgage, stops caring because he’s already in arrears- (assuming it’s a buy to let) so the bank will start recovery and get the house on the market ASAP.

Hope the OP has found somewhere by then.

@TableFlowerss the bank will take over being the landlord to the OP if the property is repossessed. It doesn't change the law. The mortgage company will still have to follow the process of a legal eviction. It makes no difference and they will still have to go to court and wait in line like others.

Also the OP is still paying rent, so why would the landlord go into arrears?

Just to clarify the landlord has no mortgage, multiple properties ( I guess selling em all as unwell) and is probably already a millionaire. Not that it is my business but really not strapped for cash.

@Dontknow1234 how do you know they don’t have a mortgage? How could you possibly know that?

@whatsonmymindgrapes how I know isn't really relevant to the thread. Which is why I never mentioned it before. I mentioned it as it was suggested his mortgage wouldn't be paid. I am in no rent arrears anyway. But I can assure you he is along way of going hungry. He has about ten houses bought outright all over the UK for what it's worth and alot of people don't like the way he treats people/ how he is as a landlord hence why I didn't want to stay after section 21. But not really relevant either. I don't have to wake up and behave as he does so I'm happy with that. I just wanted to state he isn't suffering financially, and I owe him no money so he hasn't been shafted like some landlords have been so need for a pity party for him. Even his wife thinks him doing this now is wrong but she isnt allowed a say in their life in general. Feel sorry for her tbh bit defo not him.

[quote ramblingsonthego]@TableFlowerss the bank will take over being the landlord to the OP if the property is repossessed. It doesn't change the law. The mortgage company will still have to follow the process of a legal eviction. It makes no difference and they will still have to go to court and wait in line like others.

Also the OP is still paying rent, so why would the landlord go into arrears?[/quote]
That’s true, I forgot she was still paying rent, it was past midnight when I replied 🥱😂

I was just thinking if the bank take over they may know ways to get things moving faster to their advantage - although as you say, the law is the law so they can’t go above it.

Hi OP
Fab advice so far. Regarding your pets, if you want to find them temporary accommodation until your situation improves that is more than possible. You could join vegan/animal rights groups on fb for example and explain your situation. If you want me to do this for you i will do, I'm quite active in these communities. Just PM me a rough area of where you are, a method of contact and what pets you have and I'll get onto doing it.

@Dontknow1234 so basically you think he has no mortgages. You don’t actually know that. Thinking is different to knowing. I hope it’s sorted for you OP. I really do wish you luck.

@Whatsonmymindgrapes

The OP has said:
How I know isn't really relevant to the thread. Which is why I never mentioned it before. I mentioned it as it was suggested his mortgage wouldn't be paid. I am in no rent arrears anyway. But I can assure you he is along way of going hungry. He has about ten houses bought outright all over the UK

Not sure how you derived from the above that the OP only thinks he is mortgage free? Anyway I think it is very strange that you are concentrating on this aspect more than trying to help or support the OP who is in an awful predicament. It is obvious that her position is very precarious and that she is less fortunate than a landlord that has capital invested in a property. OP I wish you all the very best.

@Dontknow1234

Just to clarify the landlord has no mortgage, multiple properties ( I guess selling em all as unwell) and is probably already a millionaire. Not that it is my business but really not strapped for cash.

@SiousieSoo I guess I got it from where the OP says “just to clarify the landlord has no mortgage”

@Whatsonmymindgrapes

My interpretation of that sentence is that the OP is simply providing clarification on the thread that the landlord has no mortgage. It is literally a statement that says the landlord has no mortgage. And then when you questioned her how she knows this, she responded by saying that how she knows is not relevant to the thread....

I think you might have misunderstood? Anyway as stated, I find it odd that this is the issue you would pick up on amongst everything else.

Im sorry that I don't have any helpful advice to give you other than to suggest you visit CAB, but I wanted to reach out as I had a mortgaged home repossessed 10 yrs ago. At the time it was horrendous, I was so ashamed of myself (despite it not being my fault, my partner lost his job and I couldn't afford all of it at the time). I just want to reassure you that you WILL be ok. It's traumatic and it hurts but I totally get that and you WILL be ok. Pls message me if you need any support. It's tough, whether it's your house or not. I also had to give away three cats. X

@SiousieSoo

I didn’t misunderstand the OP when she said she can’t say why but we should just take her word for it, yeah so basically she has no way of knowing. It sounds like hearsay. I also wished her well, which you’ve conveniently ignored. Why you’re so invested by being right in conversation with strangers on the internet is a little bit sad really.

I'm so sorry.

The court evicts not the landlord. And above all not an estate agent.

And yes you have to stay right until a properly authorised eviction occurs, then the Council have to help.

@Whatsonmymindgrapes

The whole point of a thread is that you are supposed to take the OP's statements at face value unless they are completely implausible. Really it is not beyond the realms of possibility that this landlord is mortgage free and yes, it is therefore a reason why my sympathy extends to the OP more than the landlord. The fact that you seem intent on questioning her statements when she is in such a predicament definitely says more about you than my supposed need to be right with strangers on the internet.... After all isn't AIBU about debate/discussion/airing of views? Very odd that you are now taking umbrage to my stance when you were quite happy to assert your own views questioning the OP's knowledge on her own thread....

Whatsonmymindgrapes

Anyone can check who owns a property. Get on here, pay £3 and you can download the owner's details and who holds the mortgage, if any.

www.gov.uk/search-property-information-land-registry

I was served a s21 in july last year and the bailiffs turfed us out in January.
My council housing officer told me to call back when I had a bailiff date as I needed to do everything in my powder to try and live before it came to physical eviction.

I know it's a stressful, and emergency accommodation isn't easy either, but focus on the light at the end of the tunnel.

The council have a duty to house you, be that in a b&b, homeless unit or a hotel, if you are homeless through no fault of your own.

You've done a lot of work to try and find housing, so they can't use that against you. I know it seems like the council don't want to help you but they're job is to get people to help themselves where possible due to the shortage of social housing. It's not personal.