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House Insurance

Started by The Rhone, July 22, 2017, 09:04:46 AM

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The Rhone

Hello All.

This is my first posting on here and just joined the forum this morning, so please forgive me if I am repeating a similar case.

I rent out a house, my mother bought me the house and shd takes the rent money.

The house is managed via a letting agent. However on the 27th December 2016 the tennant failed to pay their rent. They had taken on the property in June 2016 and had paid 6 months up front via a gurantor and was expected to pay another 6 months in December but failed to do so.

A week after they had  failed to pay, I instructed the Agent to issue a Section 21, which requested they leave bu March 17. They failed to do so, so I instructed a solicitor to begin eviction proceedings.

Thete has been a lot of tooing and frowing from solicitor and agent and now the solicitor are asking the agent if the gurantor was given notice of section 21, the agent can't prove they have and without evidence of this i face a fine, the agent are asking why has this teken 4 months for months for them to ask this. Is there any advice someone can give me.

Additionally jthe house insurance has lapsed and the insurer will now not insure the property whilst an eviction is being worked through.  I tried other companies, they have all refused to insure the property.  My concenrs are the property is not insured and if the tenants injure themselves am i liable.

Thanking you all for any help or advice surrounding those matters, it would be greatly appreciated.

Hippogriff

I am not clear how a fine would be the result of a Guarantor not seeing a Section 21.

I am not even sure that a Guarantor needs to see a Section 21. You must ensure the Guarantor sees the AST being used, as that contains obligations they are signing up to - and that should, ideally, be witnessed (that would be ample evidence). But a Section 21 is between you and the Tenant. I'm sure there are many Section 21s where a Guarantor has not been aware of them being served or actioned or, indeed, anything.

A Guarantor's involvement is all about when you're trying to reclaim rent arrears or, even possibly, compensation for damage. A Guarantor does not care if the tenancy is brought to an end, they only care if someone is chasing them for money they agreed to be liable for - as I say, most likely unpaid rent. Your thread implies none of that, at this stage.

This sounds confused.

The Agent complaining why it has taken 4 months for the Solicitor to ask this, on the face of it - odd, question is irrelevant - they still wouldn't have said evidence, even if it was required.

Maybe you are stuck in the middle of 2 sets of 'professionals' who don't really know what they're doing?