To report neighbour to mortgage company

[TidyWriter]

We have an unpleasant busybody neighbour who complains about absolutely everything. The most recent example is her knocking on our door to tell us off for having a laundry dryer/horse visible from the outside. It's against the rules to leave them on the balcony, so we left ours in the doorway with the door open to the balcony, but inside.

She reported us to the building council and asked our other neighbour to have a word. Insane.

Anyway, we have proof that she is using her dining room to rent out for airbnb guests. This is strictly against our lease, and a serious breach of a lease is against almost all mortgage rules.

AIBU to report her to the mortgage company?

Do it.

Leasehold eh? And this is against the terms of the lease. Well in that case her mortgage provider isn't the one you should be reporting her to, is it?

I assume you are also a leaseholder then. Presunably you pay maintenance fees and/or ground rent to the freeholder. That's who you need to report her to. They are the ones who set the terms of the lease.

Well you can report her but don't expect the mortgage company to do anything! Many moons ago I was a financial advisor and did mortgages. It came to our notice that a local adviser was involved in mortgage fraud, so we phoned the mortgage company and gave them all the details. And their response? Well they're paying the mortgage every month so we're not going to look into it at all. So that was that!

I can't imagine a mortgage company is going to give two hoots.

Easy - £3 at the land registry - it's on the documents . . .

A leasehold property?

If it's leasehold report it to the freeholder and send proof if it's advertised on Airbnb or wherever it's advertised.

The council can't stop someone from renting a room in their own house.

I dont normally approve of snitching but in situations like this snitch away. Next time she knocks on your door tell her to f**k off.

Ask a friend who lives elsewhere to check land reg and report to the mortgage lender. It could be an unhappy air b n b guest who checked and reported. No neighbour dispute to report.

Get them to send the air bnb listing too. Send to HMRC aswell as the income should be declared for tax over a certain amount.

And yes there are mortgage companies who will care. Hmrc will also care. The management company will care.

I don’t like snitching but I wouldn’t want to live next door to an air bnb, so meh.

I normally say mind your own, but she sounds like a hypocrite, so go for it.

Hahaha
Not sure that’s happening any time soon.

It can be against a lease to sublet all or part of a property. So depends on the lease.

Wow, I'm surprised by everyone responses. I would do it very differently. I'd suggest asking her for some time to talk about her complaint. Ask her questions about what she is objecting to, if she can be calm. Then I'd say you also feel uncomfortable with get property being used for airbnb because you don't knew who is in the building.

Then I'd suggest to her that it would be nice to both live their peacefully and can at drop both of these problems. You will tolerate the airbnb but she needs to allow you to go about your life too

Escalate if necessary. But be open to talking.

Surely you don't want a rage war with neighbour

There are big delays with LR records being updated. Sometimes a couple of years or more, so if they bought less than two years ago it may well be that the old owner is still listed on the Register or if the flat was new when they bought it, then the developers name will still show.

You could probably report her to your local planning enforcement team too. It would probably be an unauthorised change of use. You’d have to send them screen shots as evidence it was being used as air bnb though.

An eye for an eye makes the whole world blind. I’d maybe allude to the fact you know she’s renting out her dining room when you next see her. That should be enough to stop her.

Do as you would be done by. And in this instance, I mean you - I would behave as I expect others to behave to me. Petty tit for far is not how I love my life.

She’s a nasty pain but that doesn’t mean you have to be. Rise above with a smug smile that you’re not her.

I'd say that it's very useful knowledge to have and let her know that you know. I imagine she'll leave you to hang out your washing where you like. Once you tell the mortgage company it loses its power.

You should have said my washing may be visible from the doorway but your air bnb guests are visible from yours - do you wish to take it further

I'd report her to the building people that she reported you too. Cheeky cow.

What did they say to you about your washing ? You weren't doing anything wrong. It was inside your house !

This.

This approach may stop her hassling you. Reporting her will escalate the confrontation between you.

Do this. I doubt mortgage company would care as they just want their payment.

Anyway, we have proof that she is using her dining room to rent out for airbnb guests.

What proof is it?