Found out landlord is probably doing some kind of fraud?

[LolaMacbeth]

Right, I want to be very quick on details. Sorry posting it here but wanted atleast someone to reply.

I've rented for 2 years now Assured shorthold agreement, periodic.

The landlord always receives letters in her name on my adress. I found it weird so started to send them back.

After a while she contacts me saying for me to not send them back, to just let them be sent to my adress no explanation as to why.

Fast foward some disputes we've had with repairs and other things. I now finally found out that these letters are from the lender, of her mortgage. The one she has on this property.

I didn't open them but I started to get curious and put a light against one them. It even reads the exact amount that she pays for mortgage and on going rates.

I went to the registry and it says this property is a freehold too.

Why would she receive such important letters in this adress? Why not hers? Why insist in these being sent here, she doesn't live here.

Should I try and clarify it?
Should I speak of this to the solicitor ( going for unlawful raise of rent refusal to repairs of structure of the property and other things)

Did you post this story before. Very similar story only recently.

I can assure you it's the first time I've posted this situation. Maybe something similar but this one is my own experience.

Genuinely just asking.

OP, your landlord may have a regular repayment mortgage but is letting the property, which would need the permission of the lender. However, it is none of your business.

You sound like a right nightmare!
can’t you just forward her post to her?

What you mean foward? I have been giving her letters since I've been here yes. Never questioned it until the inconsistencies started.

Mind your own business. Stop snooping in her private post.

I can't mind my own business when she putting my child at risk.
Landlords have rights and obligations as much as tenants have them too.

And she doesn't follow with the obligations even tho I do.

Landlords who won't deal properly with repairs etc are also 'right nightmares'!

You shouldn't be snooping on her post though OP, that is not right even though the letters are coming to your home.

Maybe she told her mortgage company she lives there? Maybe she lives with someone who doesn't know she has a property elsewhere?

I'm not sure that bringing this up with your solicitor will do any good with regards to your dispute with the landlord. Furthermore your desire to use this against her doesn't paint you in a very good light.

It's a criminal offence to interfere with post whether that's opening it or failing to send it on...so you could be in trouble for your snooping.

You have every right to query why this post is coming to your home, landlords are not allowed to do this. From my experience of renting (30 years) your landlord probably does not have the correct type of mortgage to be able to rent the house to you. What else do you know about the landlord?

My last landlord was better than most until near the end when I suddenly had person unknown texting me constantly and asking to come into the house, telling me they are my landlord? Unknown person turned out to be landlords ex (they were just getting divorced) that I knew nothing about and wasn’t listed on my tenancy.

Put me in a really weird situation so was really glad I’d already organised my new address.

Just write return to sender on any letter that arrives that isn't in your name and shove in a letter box.

Well it's actually her and her husband on the letter. So the lender thinks they live in the property they pay the mortgage.

I understand that this may seem out of place but I have my reasons.

And some of them involve refusal of addressing leak which means when it rains gets into the house, with also corroding walls from rising damp. None holder of a license, so at the moment she is renting illegally. Unlawfully raising rent that I keep on agreeing to but not anymore. And failing to even provide gaz certificates carbon monoxide among other things.

My child is immunecompromised. I do what I must.

She probably hasn't told the mortgage company that she has rented the property out so it isn't on a BTL mortgage.

That's what I thought as well. I always thought it was weird to give her the letters. She comes and collects them when she visits and sees the state of the house but... she doesn't care really. Once left us 2 weeks without hot water...boiler broke 2 weeks!!! And I was very patient beleive me...

I am tired and her yet another rent increase in less than a year prompted me to say it's enough. In 2 years 3 rent increases almost 4 if I was to say yes to the last one...I've always paid everything on time I clean the mold, the house is very clean because I have to keep on top of it otherwise the mold creeps out again like I said my child is vunerableI have to... and every time she comes and collects these letters she sees the state of it... but... nothing gets done.

Now I need to give as much as information to the solicitor because she threatened me if I didn't pay the increase.

Your landlord is definitely wrong not to carry out essential repairs.

You may be right that she has a normal residential mortgage and the lender doesn’t know that she has rented out the property.

I am not sure how that is going to benefit you. It’s possible that the mortgage lender won’t allow the landlord to change the mortgage to the correct one and the she might be forced to sell. It will of course harm the landlord financially and that’s her problem, but you might end up needing to find somewhere else to live.

I totally understand your desire to protect your child and that you are probably acting out of frustrated desperation.

Your landlord is probably an arsehole, given their demonstrable lack of responsibility over being a landlord.

Genuine question, what do you hope to achieve by using this information? Do you think that revealing it will actually help you in your living situation?

Time to find another properly managed rental. Shop her to the mortgage provider once you’ve left.

I am aware that there are ways to get us out.
And I've been on the search for a new place however it has been hard so I need as much time as I can get.

I did not know however that it was essential that the lender had to know that the property is being let.
That's why I was confused why the letters always landed in this adress.

I can't mind my own business when she putting my child at risk.

This is the problem when people don't give the full picture so you can't get an answer relating to the situation.

Did I miss you having a child in the OP? Sorry if I did. Putting him at risk is a far more serious problem. What do you mean?

I think Shelter may be of help instead of here. Good luck.

If you think she is renting illegally you should report her to your local council's housing department. They have someone to deal with private landlord and tenant issues including compliance with housing law. Give them a ring and tell them about the condition of the property and the housing repairs etc. They can help you get them done and order the landlord if necessary.

I would surmise the reason for your rent going up so often is because mortgage rates have gone up so many times I've lost count in the last couple of years.

If it helps giving me time to search for somewhere I would use it.

But from what I've read the pure fact that the lender doesn't know means if a repossession was to take place I would have no rights.

I'm sure the solicitor will tell me this as well... right ducking mess.

Had this with a landlord whose Freedom Pass for London arrived at my address. Except she lived nowhere near London and clearly just wanted free public transport in both her home town and whenever she visited London. It said on the envelope not to forward it, so I contacted the Freedom Pass people and they sorted it. You could use the return address on the back to notify the sender that they don't live there.

I did that. After a few weeks she contacted me telling me to stop. She said she needed the letters to be sent here. The lender probably contacted her asking her new adress and she might have lied so they continued to send the letters here. 😔

Think she is letting the property without permission from lender also paying a cheaper mortgage, residential instead of buy to let.She most likely is not paying any tax on the income from you either.
When you say she is threatening you, with what.
Also did you pay a deposit and did she put it in the proper place…forgot what it is called.