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?

Just say this to her?

Sadly life now means no confrontation, everyone is too scared so have go online to report a problem.

Are you sure it's an AirBnB and not people continuously coming and going for other purposes?

Sub letting and / or commercial activity would cover short term rentals.

It's quite a common rule in flats because it looks dreadful.

If it is a leasehold property it's the management company you want to be informing. They are responsible for ensuring the leases are not breached.

If you have a leasehold property you don't own either the land or the building(s). You own a lease, purchased from the freeholder (owner), that gives you the right to inhabit the building, usually for a very long term.

Not keen on grassing but some people deserve no respect. This is one of those people.

No need to add the 'f' to rtft....that's just unnecessarily aggressive

I’ve always read it as “full”

My son owns a flat in London not far from a well known concert venue and a flat in another building in the same development was being let as an AirBnB, so guests were coming back late at night and partying, disturbing other residents. It got as far as the freeholder threatening repossession but it did get shut down. The freeholder is the one with the power.

Touchtheearth

Some leaseholders own the lease on their flat or house and with a £1 paid up share of the freehold interest held in the Residents Management company (RMC) registered at Companies House so leaseholders also own the freehold and run the RMC. No outside Landlord or opaque outside interests. This is not Commonhold. The lease is the key ownership document registered at HMLR.

More relevant to advise the freeholder.

You could, you could also inform HMRC. I'm not sure i would , unless there is some nuisance caused by the AirBNB users.

I would, but anonymously if possible

Report to council. And neatly arrange all your knickers on the clothes dryer. 😆

Ahhh.....lol ....I hope it's that! X

i wouldn’t! What do you think would happen? Will you be shot of her or would it make your living situation worse?

Save up that piece of information for the next time she comes over to say that she can see your socks on the clothes horse through yoru open door.

Then I would respond...
I don't think you can see my laundry - just like I can't see your Air b&b guests. (But do take photos of the operational Air b&b so you can prove that you know of the guests.)

Sounds like it’s a flat within a complex where you don’t have freehold but leasehold for something like 99 years etc. so basically she’s bought the flat yet has to rent out the ground it’s built on.

Do it, report to the mortgage company if you know it and the building managers

Because most flats are leasehold and you buy them and get a mortgage to do so. The flats are governed by a head lease that applies to the block as a whole.

To those asking how do you know who the mortgage lender is to find out who she has a mortgage with you simply apply for office copy entries of the property and they appear in the Charges Register section.

Read the full thread = rtft

Land Registry search will show any charge holders but honestly I doubt they’ll give a hoot

My attitude is live and let be, but I’m also very petty if someone doesn’t live and let me be…..I’d report.

I would definitely do this (although see if you can find any ads she’s placed first, so you’ve got evidence if she denies it). If you report her, then she’s got no reason to leave you alone and every reason to report you for anything she can think of.