Of course it's off.You don't need us to tell you that... something is not right here at all.How can you even have a clue about your obligations as a Tenant if you cannot see the Tenancy Agreement? There is tangible benefit to the Landlord in you having this... not like I'm saying I've even heard of a Landlord not providing it. The whole idea is ludicrous.Did you have any kind of Inventory and / or Schedule of Condition?Did you pay a Deposit? If so, did you get documentation about it being Protected?How are you getting Universal Credit if you can't even provide a proper copy of the Tenancy Agreement? Is our benefits system really this lax?At the very best, one can assume he's got a residential mortgage on the property and it letting it out against the rules of his mortgage.At the very worst... well... the mind races with possibilities... tax evasion, mortgage fraud, Deposit non-protection, benefit fraud (possibly), businesses being run from there, debts effectively tagged to that property.