Тёмный

My tenants made me homeless 

Stephanie Saint Remy
Подписаться 442
Просмотров 668
50% 1

A cautionary tale of how, despite following all the laws and morality, using reputable agents, and having insurance, landlords can still end up in dire straits due to nightmare tenants.
My tenants have refused to leave and stopped paying rent. They had expressed that they had wanted to leave the property when the tenancy was up over 4 months in advance and we both agreed. They were served official notice to leave and so I organised to leave where I was living in order to move back into my property, however, on the day they were due to move out, I got a call to say that they were staying put, leaving me with a car full of my belongings, no home to go to and no income from the rental property nor from a job as I had had to quit my job where I was living in order to move back. I had already agreed to pay builders who were due to start renovations on part of the property in a few days time and now I didn't know if they would be allowed access by the tenants.
I called my insurance company to ask what to do and was told by a solicitor that despite having followed all the correct procedures and the tenants being out of contract and now in rental arrears, at this stage there was nothing I could do about it because of a law called the 'tenants right to quiet enjoyment'. But surely they are not tenants anymore, they are now squatters, right? Not according to UK law.
At the time of this video being recorded I have no fixed abode, despite owning, and paying the mortgage on my home.
Have the laws on protecting tenants gone too far?
Should there be more caveats made for different types of landlords?
How do you protect yourself against this type of thing happening to you when you did background checks, used reputable agents, and took out insurance?

Опубликовано:

 

29 июл 2024

Поделиться:

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист
Посмотреть позже
Комментарии : 47   
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Thanks for all the supportive kind comments ❤ for those that seem hung up on them being served notice I want to just clarify a couple of things as I clearly wasn’t clear enough… 1. The tenants were the ones that chose to leave. I was happy to continue and would have given them alternative accommodation (through insurance) while the building work was being completed but they said they wanted to move out of London anyway. They were told they could go whenever they wanted with no penalty by me if they wanted to leave early. They chose a date 4 months in the future and we all agreed to it and even with checking in days before they were confirmed to be leaving but the hour before, they changed their plans. The notice was only served as it was being managed by a company and regardless of who makes the decision to go, said company always serves it officially. 2. I found them through a national company who does checks, financial and reference. I also personally interviewed them and they both had well paid jobs and are private tenants. (I only mention them being private tenants because it was commented that they are overstaying because of seeking council housing but that’s not the case, my mum was a council tenant, I loved our home) 3. Aside from being fully managed, I also had landlord insurance so apart from having a crystal ball I’m not sure how I could have foreseen what was to come. 4. Don’t talk like I’m a bad landlord and ‘shouldn’t be providing’ accommodation to people… I rented it BELOW market value because it was only to cover the costs while I was living elsewhere, not to become rich. £1200 in Greater London for a 2 massive bedroom property in greater London with private garden, a driveway, an attic and basement one bedroom with a walk in wardrobe, private side access, freshly decorated throughout and I offered to GIVE them the TV kettle and microwave which they could take when they left. I also immediately fixed any and every issue, not waiting and even when they were at fault for blocking a drain TWICE I paid even though legally they are responsible for that type of issue. I feel you’ve had a bad landlord experience and I’m sad for that. But if decent landlords like me are scared away from renting their properties due to situations like this, how much worse would the rental market be?
@carinateske6261
@carinateske6261 20 дней назад
"It was commented that they're seeking council housing" that was absolutely not commented. I commented that the council often rightfully advises people to stay beyond section 21 notices. That has nothing to do with people seeking council housing. Councils advises this to all kinds of people, rich, poor, high or low paying jobs.
@sharonnichols1519
@sharonnichols1519 20 дней назад
@@carinateske6261then what’s the point of a section 21 if you can stay longer. You seem to still be missing the point 🙄
@rubberyowen1469
@rubberyowen1469 20 дней назад
@@carinateske6261 Rayner has announced that Immigrants are to be first for council housing. Just thought I would mention it.
@carinateske6261
@carinateske6261 19 дней назад
​@@sharonnichols1519 The point of a section 21 notice is that a landlord can subsequently initiate for a court to evict the tenant (which a landlord cannot do). A section 21 notice does not end a tenancy.
@rhirhi4172
@rhirhi4172 22 дня назад
It is your home but you're going to have to play a longer and legal game to get it back. This is why I will never ever rent out my place initially because its not worth it tax wise but also because people are selfish as sadly you're learning. You'll have to stick to the laws and possibly get to court but you will get them out - eventually
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
I’m keeping to the letter of the law but it’s difficult when those laws are so frustrating. I will never rent again.
@rhirhi4172
@rhirhi4172 16 дней назад
@@StephanieSaintRemy I really do feel for you - its such a frustrating situation! I know you will get your home back - it seems so wrong to me that you have to do all the leg work - they should be doing the decent thing and just giving you your keys back in all honesty
@carinateske6261
@carinateske6261 20 дней назад
I would also like to point out that "my tenants made me homeless" is plainly incorrect. You left your previous place gambling on the property being vacant on a specific date and essentially made yourself homeless in the process. A section 21 notice does not end a tenancy. At the expiration of that notice, you can start a court process to end a tenancy. Only courts and tenants can end tenancies. What you do is educate yourself on housing rights BEFORE you become a landlord.
@sharonnichols1519
@sharonnichols1519 20 дней назад
@@carinateske6261 so from what you’re saying. Anyone can set a date for tenants to leave but they can stay another year if they want and not pay.…are you actually for real. You clearly have no empathy or understanding yourself of the situation! Go crawl back under your rock you troll 🙄
@werewolfcountry
@werewolfcountry 20 дней назад
British landlords are the most entitled landlords I have come across. They believe that once they become property owners that means that they have right to do anything with said property and that laws should not apply to them. They grew up on Thatcherism's legacy and don't believe in society.
@rubberyowen1469
@rubberyowen1469 22 дня назад
Rich or poor we all have these hard times whatever the situation, health money etc. It's all a part of life and let's be honest life would be boring if we didn't have difficult situations to get around. You will get things sorted in the end. Take care.
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Absolutely and fingers crossed the next chapter is a happier one.
@flibbertygibbette
@flibbertygibbette 18 дней назад
It sounds like you need a different solicitor with some better legal advice, because there are next steps to take, and "well, it's their house now" is really crap legal advisement, and just not true. You should be able to serve a legal eviction notice if they've overstayed their contracted tenancy. If they refuse to vacate by the date on the eviction notice, you can apply for an order for possession. If you're not asking for unpaid rent, then it can be a quicker process. They will have an opportunity to object, but will have to pay your court fees and leave the premises if the order is upheld. If they still fail to vacate, you apply for a warrant of possession, and then a bailiff will come and oversee them moving out. The bad news is that this can take a while, and you'll have to find a place to stay in the meantime. But you do have recourse and legal rights, and will get your house back.
@StephanieSaintRemy
@StephanieSaintRemy 16 дней назад
Honestly, you're probably right. They are through the insurance company so if I could afford to hire someone privately I imagine they would be more eager to hurry the process to get paid. I will contact them with your suggestions though so thanks!
@tonyfitzgerald100
@tonyfitzgerald100 22 дня назад
Hug 🤗
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Right back at ya!
@kiitos7904
@kiitos7904 22 дня назад
This is a crazy situation😮 I hope this gets resolved quickly 😟
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Thank you 🧡
@jodie3229
@jodie3229 21 день назад
The law here in Ireland is totally skewed in favour of the tenant as well it’s not fair on those landlords like yourself who aren’t doing it to make lots of money. I am very sorry to hear that you are going through this 😢
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Thank you. Yes I have no sympathy for the landlords who leave them with broken things or hikers the rent etc but why it always seems to be the good landlords get the bad tenants and visa versa.
@old486whizz
@old486whizz 21 день назад
This will take 6 months.. I would hope that you can chase them with debt collection, but yes they are now squatting and for some reason they have those rights.. Its like noisy neighbors - theres nothing you can do to stop people playing loud music overnight and destroying your working life. Also say to the tenants that you will be chasing for all costs related to this - meaning missing rent, money incurred by you staying (your friend charging you money as an example) and legal fees.. so it's in their interest to leave as quickly as possible.
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Interestingly I’ve been told by the neighbour that they are also playing loud music all night and disturbing them.
@old486whizz
@old486whizz 20 дней назад
@@StephanieSaintRemy surely this should be a breach of contract and allow you to issue an accelerated eviction.. you might have to chase up money separately though. Being a victim of neighbor noise I can say I wish I could press charges and get payment for loss of work due to them.
@StephanieSaintRemy
@StephanieSaintRemy 19 дней назад
@@old486whizzthey have breached many parts of the contract but at present doesn’t seem to make a difference. I really feel for your situation too. I’ve had the noisy neighbours and it’s awful. ❤
@gabbyrimeikaite8104
@gabbyrimeikaite8104 20 дней назад
This is really sad. I can't believe these tenants ! They are horrible people.
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
I’m really hoping that they are not inherently horrible and more just disorganised and oblivious but who knows! I really appreciate your concern for my situation. 🧡
@colourful_dori
@colourful_dori 21 день назад
This came across my recommendations. Feel for your very unfortunate situation 😢
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Thank you, I appreciate that. 🧡
@ellasmith2349
@ellasmith2349 22 дня назад
I am so sorry that you are in that situation. I hope things gets resolved quickly and you can be in your usual bubbly spirit. Huge hug.🤗💜🫰
@StephanieSaintRemy
@StephanieSaintRemy 20 дней назад
Thank you! Not much keeps me down so I’ll bounce back soon! 🧡
@carinateske6261
@carinateske6261 21 день назад
It sounds like you were neither ready nor informed about what being a landlord may entail, in which case you definitely should not be providing housing to people.
@PJSparkles100
@PJSparkles100 21 день назад
Excuse me? Tenants should not have the right to extort properties from landlords. I've been a landlord for 10 years, I can tell you with confidence that too many rights have been given to tenants and not enough responsibilities. I started out wanting to help people and I thought if I was kind and treated tenants the way I wanted to be treated they would return the favour. Nope. It's 100% a business, I just raised the rent and didn't lose an ounce of sleep. I tried my best, it just wasn't good enough for today's generation of entitled people.
@carinateske6261
@carinateske6261 21 день назад
​@@PJSparkles100 "I wanted to help people by capitalizing on their need for housing :(((("
@PJSparkles100
@PJSparkles100 21 день назад
@@carinateske6261 well I don't force people to rent from me and I'm charging several hundred dollars under market value for rent. If you feel so passionate about this I strongly encourage you to rent your home out for free. Be the change you're demanding from others.
@sharonnichols1519
@sharonnichols1519 20 дней назад
Did you actually listen to what she said! Such an ignorant comment to make. Who can foresee that after doing everything correctly for your tenant they are going to turn around and treat you like garbage. Especially as they were the ones who wanted to leave in the first place and just because they couldn’t get their act together they decided they had the right to stay and leave her homeless even though they weren’t paying! Absolute joke 🙄
@carinateske6261
@carinateske6261 20 дней назад
​@@sharonnichols1519They're not treating her like garbage. Only courts and tenants can end tenancies. A sect 21 notice is only a first step for a landlord to initiate a court order later on. Councils often recommend that people stay past a section 21 notice because they otherwise cannot help with getting subsequent housing as the tenant would voluntarily give up the home.
@MaxKissler
@MaxKissler 19 дней назад
Here's the thing: I think it's unbelievably naive to trust that someone is able to find a new home in the greater London area in just four months. That's close to impossible. Especially if your tenants are not super well off themselves. Initiating your return without your tenants out of your house was definitely a mistake. I guess you can blame them for exerting their rights but imagine yourself in their shoes, you can't just move your furniture and all your stuff around to other people's places until you eventually find a comparable place for yourself.
@StephanieSaintRemy
@StephanieSaintRemy 16 дней назад
They wanted to move away from London, this wasn't me pushing them out. They told me they thought it was really cheap when they moved in because they were previously in central London paying double. I had to also give notice to leave and couldn't afford to keep both situations just in case they might possible change their mind (it's quite naive to think every landlord can afford that situation) and they had confirmed that they were leaving even the week before. the furniture was mine, so staying at the property and in their situation giving that they knew my situation I would have left. I can comprehend their side, I'm not an ogre, but it doesn't make me some naive or horrid person for not finding this situation fair.
@MaxKissler
@MaxKissler 16 дней назад
@@StephanieSaintRemy I understand that you might think naive is too harsh a word to describe it but I still think it's imperative to always plan for the worst. And I don't believe you didn't know these laws existed prior to renting out your house or apartment. If the furniture is not too expensive or easily replacable and doesn't have too much sentimental value I'd put on craigslist or whatever equivalent you have and sell it off quickly. Losing items like a fridge or wahing mashine might motivate them to move out faster. Unless of course you made these items explicitly part of the contract.
@samr8603
@samr8603 19 дней назад
Unfortunately this is going to get worse for Landlords as Labour are changing the rules even more for tenants rights. I would never rent out my property now due to situations like this. Best of luck with this and I hope it sorts out ASAP.
@StephanieSaintRemy
@StephanieSaintRemy 16 дней назад
Thank you so much, I am definitely never renting it out again!
Далее
Decluttering my wardrobe, (clothes/bags/shoes/scarves)
10:51
Job Hunting over 55 in UK
15:54
Просмотров 95 тыс.
I tried car camping in a Ford Fiesta...
10:11
Просмотров 4,4 тыс.
Renting vs Buying a Home: The Lie You’ve Been Told
24:50