Landlord not paying mortgage

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Hi all,

I have been renting my home for 7 years and have looked after it well, and never fallen behind on rent. I spent thousands of pounds renovating when I moved in, the house needed alot of work but it was a nice area for my kids.

Today, I received a letter from a company called Templeton LPA, stating that my landlord had not been paying the mortgage and the loan company had appointed them to act as receivers and claim possession of the property. I didn't receive any information about this from my housing agency. The letter was very threatening and they advised for a copy of my tenancy agreement, and informed me that I must make all future rent payments to them and if I did not comply I would be evicted.

After reading the many 1 star reviews for this company, I am expecting to shortly receive an 8 week eviction notice.

I am feeling abit overwhelmed and cannot think straight, I have a 2 year old and a teenager. I have been looking at houses and they are really poor quality for the prices and in bad areas.

I was just hoping someone could advise me on next steps I need to take. I am wondering if there is anyway I can extend the notice? As I doubt I will find somewhere in 8 weeks. I read on citizens advice website, if they acknowledge that you are renting the property then you have a right to stay and can apply to courts to extend the notice?

Thanks!

Lots of scams use the names of legit companies- eg fraudsters pretending to be HMRC, or your bank, or Royal Mail, or the solicitor someone's using for their house purchase.

The fact the letter was addressed "to the occupier" is very dodgy. Do not engage with this company at all. Send a copy of all the correspondence to your letting agent (cc the landlord if you have their details) and to Action Fraud.

It might be a scam, but the procedure of the mortgage lender appointing a receiver is absolutely legal. They don't need a court order for this as this is usually part of the mortgage or secured loan agreement. Particularly if it's a buy to rent property.

So if the owner falls behind, they can put a receiver in place to take over the rent payments. Depending on the value of the property and the amount outstanding on the loan/mortgage, they might not want to sell if there's not enough equity to cover the costs.
They can carry on for years but will ultimately want to get rid of the property sooner or later.

I am currently going through the same as you. I have received a letter regarding the landlord not paying the mortgage. My landlord lives in Africa so communication is not so easy. I'm a private tenant. Been in property 7 years. I received a letter addressed to the recently deceased husband of my landlady. I opened the post as I'm in the UK and sent her scanned copies and asked her to sort this out. It said the arrears were 10,500+ in arrears. I don't know if she was aware or not. Her husband is the only named person on the letter. It gives 14 days to clear the arrears or the solicitors acting for the loan company will commence with repossession of the property. I feel your anguish! I have a partner whom has severe liver disease and sight issues and doesn't work. I work and have a son whom is full time at university. I'm desperately worried as this is all having such an effect on all of us mentally and physically. The solicitors are ranked 19th out of the 200 top companies in the UK and are UK and American based. I wondered a scam but couldn't find anything other than they are a hard faced money orientated sort. I don't know whether I'm coming or going. They have never done any repairs that they have promised, we have always paid our rent on time and in full. The comments are welcomed for me too. Interesting read so thanks everyone. I hope we can both get this resolved. X

Remember only court orders are legally enforceable. Until an eviction notice is issued you don't need to do anything. Keep paying via your normal route unless you get genuine information otherwise, and I wouldn't trust an email or letter, only a phone call directly from someone who definitely works for the letting agency then backed up by legal letters from a source you can independently verify (eg you can call them looking up the number not straight off an email)

Hi. Any updates?

Unlikely that receivers would evict tenant. Most likely they will auction with tenant in situ and new owner might want to keep property as BTL.

Unfortunately they do evict tenants as i have been unlucky enough to deal with this exact company.
Landlord never paid the mortgage, this company took over. Everything was fine until out of the blue I got an email that the house was being sold and I had to move out. It took almost a year for me to find somewhere else for myself and kids, all the while this company were hounding me a few times a week asking when I would be leaving. Anyway the house eventually sold, to another landlord who then had the house up for rent not long after. Essentially we were evicted from our home of 6 years for nothing as they could have sold with sitting tenants.

Templeton lpa are a well known reputable company dealing with situations where the landlord has not paid the mortgage and they act for the mortgage provider in managing the property. They will have the right to collect the rent and manage the property. Contact shelter if your in england shelter Cymru if in Wales and they can confirm what is going to happen. The fact they are asking you to pay rent to them means they haven't decided yet if the properties need to be sold . If the houses are in negative equity they will often rent them rather than lose money in a sale .

Whilst I agree that scams are all over the place these days. The fact the letter was sent to the occupier in this situation is normal. The lpa receivers would not know who the occupier was so would use this form of address,

Hi I know this message was over a year ago but I received the exact same letter and the agency also did not know could I please ask what happened with the eviction?

just received the letter as well, any updates??