Saturday, July 17, 2010

Can a Land lord make these demands?

Demand to meet you at the bank that he has set up an appointment with, to review the tenants finances and proof that his rent is being paid in every month. I am forced to show him my financial records?


u only have to wot is stated in ur tenancy agreement...nothing more. hope u have 1!

you should have a receipt from paying rent every month. i dont think they can make you show your personal records.

Yes, He wants to be sure he gets his rent. That's his job.

Credit checks are routine when renting, don't read more into it. You always have the option to leave.

YOUR finances are bugger all to do with him - as long as you are paying your rent when required! I wouldn't think that would've been part of a lease agreement anyway. Tell him to check his OWN bank statements and he'll probably find the info he's looking for right there.

No he cannot demand to see any of your financial records. You should have a tenancy agreement and that will tell you exactly what he can and cant do. Most landlords (UK) have standardised rules of tenancy. If he needs proof that you have paid his rent by standing order or direct debit then he should be checking his statements but, saying that you should also be able to see that nothing has gone wrong from your end. Mistakes sometimes happen that you are unaware of.

Well if you are paying the rent in ok every month, whats the problem? Show him, to prove it. If you are not paying it you have a bigger problem!

He is harrassing you ! No one should view your financial records. You do not have to do that. Call legal aid or talk to a lawyer who you can talk to for the first half hour free. If you pay the rent to the bank the bank can let him know when the rent is not being paid. He does not have a right to your records or to make an appointment at the bank to see them even with you there. The Bank can get into trouble if they disclose your information to him. Remember he has no legal right and the bank can notify him if you default. meanwhile I would be looking for another apartment.

I have NEVER encountered this... Also, my father is a landlord, and I have NEVER heard of him doing this... in fact, I consider this an invasion of privacy. You should be able to simply have him contact your former landlord and have them offer a rental reference. A credit and criminal background check should also suffice.

Call this renegade landlord and tell him that you are no longer interested in the unit as he is not following appropriate due process and is invading your privacy. You personal investments are none of his business. Wish him luck in finding a tenent and tell him he'll need it!

No, he is way out of line. Your personal finances are none of his business. His concern with your personal finances ends with you paying the rent on time each month per the rental contract. And even if you have problems with that he still has no business poking about in your personal financial matters.

As for proof of paying, if you pay by check (HIGHLY recommended) your cancelled checks are your proof of payment. As for the future, tell him to f*** off.

Geraldine, no one can force you to do anything that you have not agreed to in writing. Creating a lease agreement is simply an agreement by which a property owner agrees to let you occupy their property for a specific period of time under certain conditions (which should not include what you stated) in return you promise to meet the terms and conditions of the agreement and pay a certain amount of money over the total period of time you agreed to. That's all there is to it.

If you want to test the above, ask the landlord to do the same for you he/she is asking you to do with your bank and tell him/her that it's to make sure he is capable of meeting his current debt obligations and see what they say.

He wants to be sure that you pay his rent, although it is normal to ask to see your bank statement and it is a bit over the top to make an appointment on your behalf.

Of course he can't.

With regard to your finances, at the beginning of the tenancy he is within his rights to contact your employer to verify that your salary is what you say it is (and to verify that you have a permanent contract).

With regard to paying the rent every month, it's his bank records that should be being checked, not yours!!! If you've paid by direct debit then his bank statement is proof enough that you've paid on time. Or if you've paid by cheque, then you have proof that these cheques have been paid into his account.

The funny thing is though, he is so clearly out of line by saying this, I'm wondering what he told the bank when he arranged the appointment. Surely he didn't say "I'm going to bring in my tenant so you can read her bank statements" because they would have said "what the ****?" It's a bit odd.

No.No. He can not demand anything from you. He can request though. Now, if you don't want to grant his request then he has no choice. Just pay your bills and keep the receipts. Compile all your records, just in case he will do this and that...You don't need to show him anything.

2. Private tenancies

On the following pages, there are explanations of the law, and how to deal with particular problems that can arise for tenants and landlords. First, you must establish what sort of agreement you are dealing with.

If you have a tenancy, the type you have depends in part on when it began.

Assured and assured shorthold tenancies

If the tenancy started on or after 28 February 1997, it is probably an assured shorthold tenancy, unless the landlord has told you in writing that it is an assured tenancy. The tenancy may start either with a fixed term or as a ‘periodic’ tenancy, running from week to week or from month to month (depending on when your rent is due). Either way, the tenant usually has the right to stay for at least six months.

If the tenancy started between 15 January 1989 and 27 February 1997, it will be an assured shorthold tenancy if:

the landlord made this clear in a special legal form at the beginning; and

it had a fixed term of at least six months to begin with and does not include a 'break clause' that would allow the landlord or the tenant to end the tenancy within the six months.

Otherwise, it will be an assured tenancy.

Regulated (or protected tenancies)

Most private tenancies that started before 15 January 1989 are regulated (or protected) tenancies. This type of tenancy has the most proctection against rent increases or eviction.

Tenancies with basic protection

People who have a tenancy or licence with basic protection have fewer rights than assured, assured shorthold and regulated tenants. You will probably have a tenancy with basic protection if:

you live in the same building as your landlord but you do not share living space with them â€" for example, if you live in a house that has been converted into flats, and the landlord lives in one of the other flats;

you live in accommodation provided by a university, school or college;

your rent is especially low or high;

you live in accommodation provided by the local authority because you are homeless;

you had an assured tenancy or assured shorthold tenancy but you have stopped living in the property, even though you still have the tenancy; or

in most cases, you must live in your home as part of your job.

Instead of a tenancy with basic protection, you may have a ‘licence with basic protection’, which has similar rights. See ‘The difference between a licence and a tenancy’ below for more details.

Excluded tenancies

Tenancies with the least level of protection are known as excluded tenancies. You may have an excluded tenancy if you:

share living space with your landlord;

share living space with a member of the landlord’s family, if the landlord lives in the same house;

live in holiday accommodation; or

pay no rent.

Instead of an excluded tenancy, you may have an ‘excluded licence’, which has similar rights. See ‘What is a licence?’ below, for more details.

There are some other situations when you might have a tenancy with basic protection or an excluded tenancy. If you are not sure what type of tenancy you have, get advice.

The difference between a licence and a tenancy

Some people who rent privately have a licence, rather than a tenancy. In legal terms, a licence is a permission from the owner to occupy the accommodation, whereas a tenancy is a form of ownership of the accommodation. However, it is not always obvious which type someone has. You may have a licence (which means you are a 'licensee') if:

your landlord provides services, such as room cleaning, which mean they have access to where you live - for example, if you live in lodgings, a hotel or a hostel: or

you are being allowed to stay in accommodation by friends or family.

Licensees have similar rights to people who have a tenancy with basic protection or an excluded tenancy.

If you are unsure what type of agreement you have

If you are unsure what type of tenancy or licence you have, check your written agreement. If you don’t have one, ask your landlord for a copy, or seek advice about the type of agreement you should have. You should also seek advice if you are unsure whether you are a licensee or a tenant, or if your landlord has given you a licence agreement but you think it should be a tenancy. See ‘Further help’ for where to find advice.

If a tenant wants to end the tenancy

If a tenant on a periodic tenancy (one which runs from week to week or from month to month depending on when rent is paid) wants to leave, they must give the landlord notice, usually:

four weeks if you pay weekly; or

one month if you pay monthly.

There are other rules about giving notice to end a tenancy, and it is best to get advice if you want to end yours.

If a fixed-term tenancy has not finished, the landlord can usually insist that the tenant pays rent until the end of the fixed term. You can sometimes argue against this, for example if:

the house or flat has serious defects; or

your landlord was able to get a new tenant soon after you left, or has not taken reasonable steps to get a new tenant.

You will need to get advice if you think either of these reasons applies in your case. Tenants can leave on the last day of a fixed-term tenancy without having to give notice - but it is best to let the landlord know you plan to leave.

Some fixed-term tenancies have a 'break clause', that allows a tenant to tell the landlord they want to leave before the fixed term expires. If there is a joint tenancy, and one tenant wants to leave, the legal situation can be complicated, and the remaining tenants should get advice.

If a landlord wants to end the tenancy

Most landlords of private tenancies must give written notice if they want a tenancy to end and the tenants to leave, though this does not always apply to the landlords of licensees. If the tenant does not leave by the end of the notice period, the landlord can start 'possession proceedings' in the county court by giving a notice seeking possession. The tenant does not have to leave at the end of the notice period, but if they don't leave and the court grants an eviction order, they may have to pay the landlord's costs of going to court.

If you are a tenant facing eviction and are likely to become homeless when you leave, you should get advice before leaving. It may be difficult getting the council to help you with housing even if you leave before the landlord gets a court order. The council will take the reason for the eviction into account when deciding whether it will offer help with housing. If the court awards an 'outright possession' order, and you still do not leave, the landlord can ask the court to call in bailiffs to evict you.

The tenant does not have to leave just because a fixed term has come to an end. The landlord usually still has to serve notice and, if the tenant still does not leave, must apply to the court for a possession order.

If the landlord wants possession because the tenant has not paid their rent, the court may, in some cases, grant:

an adjournment, which is when the hearing is put back to give the tenant time to prepare their case. An 'adjournment on terms' is when the court delays the hearing for a fixed period or even indefinitely as long as the tenant pays the rent plus a regular amount towards the arrears; or

a postponed (suspended) order, which is when the tenant is allowed to stay in the property as long as they stick to certain conditions, such as paying off a certain amount of arrears each month or week.

If the tenancy is assured shorthold or a tenancy with basic protection, the court can delay granting possession for a maximum of six weeks only.

Assured tenancies

With an assured tenancy, the landlord must first give the tenant a legal notice, called a 'notice of seeking possession'. If you get a notice like this, you should get advice immediately.

Depending on the reasons ('grounds') for possession, the landlord must give the tenant either two weeks' or two months' notice that they intend to apply for a possession order. But if they are seeking possession because of the tenant's anti-social behaviour, they can start possession proceedings immediately after giving notice of seeking possession.

The tenant may either:

go to court and argue against the landlord's claim (that is, argue that the landlord doesn't have the right to end the tenancy); or

wait to see if the court issues a possession order.

The landlord must first prove to the court they have a reason for possession. If the landlord shows the court they have certain reasons (known as 'mandatory grounds'), it will automatically grant 'outright possession'. These include where:

the tenant is at least two months or eight weeks behind with the rent;

the landlord used to live in the property (or they now need to) and they made the tenant aware of this at the start of the tenancy;

the landlord is going to demolish or rebuild the property; or

the landlord's bank or other mortgage lender is repossessing the property.

Other grounds are 'discretionary'. This means the court will decide whether it is reasonable to grant possession or not. The most common discretionary grounds are that:

the tenant has missed rent payments, though only if they have missed less than two months' or eight weeks' worth;

the tenant has damaged the property or broken a term of the tenancy agreement;

the tenant has been a nuisance to their neighbours; or

the landlord can prove that the tenant can find somewhere else to live, either from the landlord or from someone else.

If the tenant has missed rent payments, the court may postpone (delay) the order so that the tenant can pay off the rent they owe without losing their home. If the landlord offers another place to live, the court must be satisfied that it is suitable for the tenant's needs. This means taking account of, for example:

the size of the new place and the rent on it;

where the tenant works;

where their children go to school; and

whether they need to live near a family member.

The tenant can dispute the landlord's offer in court if they think it is not suitable. The court is likely to consider that an alternative place to live would not be suitable if it had a tenancy that would give the tenant fewer rights than they currently have.

Assured shorthold tenancies

People with assured shorthold tenancies have less protection than assured tenants.

If the landlord wants the tenant to leave within the first six months of the tenancy, they have to show they have a reason to evict the tenant, in the same way they do for an assured tenancy. This also applies if the agreement allows the tenant to stay for a fixed period, unless the agreement includes a 'break clause'. During that period, the landlord can evict only for the reasons that apply to assured tenancies.

If the tenant has had the tenancy for six months or more and the tenancy is not for a fixed term of more than six months, the landlord can get a court order without having to prove they have a reason and without having to attend a hearing. This is called the 'accelerated possession' procedure. But to do this, the landlord must give the tenant at least two months' notice in writing that they want possession, and they cannot go to court to get possession until that notice period ends.

As long as the landlord has followed the procedures properly, the court will automatically grant them possession. But the tenant can still ask for a possession order to be delayed for a short time if it would cause them 'exceptional hardship'; for example, if someone in their household is ill or pregnant.

If the landlord wants possession but is not claiming a 'money judgement' for the unpaid rent, they can use what is known as the 'accelerated possession procedure'. Under this, the landlord sends the paperwork for the possession claim to the court and a judge can make a possession order without a court hearing. This procedure is quicker and cheaper than a normal possession claim.

Regulated tenancies

The landlord must start to end the tenancy by giving the tenant a 'notice to quit' (unless an end date was agreed at the start of the tenancy). This must give the tenant at least four weeks' notice and be in a special legal form. The landlord must then apply to the court for a possession order.

As with assured tenancies, there are certain 'mandatory' grounds for which the court will automatically grant possession, as well as 'discretionary' grounds for which the court must decide whether it is reasonable to evict the tenant (see 'Assured tenancies'). Many of the grounds that can be used are similar to those for assured tenancies, but there are some differences.

Tenants and licensees with basic protection

To end the tenancy or licence the landlord must:

serve a 'notice to quit' giving at least four weeks' notice; or

wait for the agreed fixed term of the tenancy or licence to end.

After this, the landlord has to get a court order to evict the tenant if the tenant does not leave. However, the landlord has to show the court only that this notice has been properly served - they do not have to prove that there is a ground or reason for possession to be granted.

If your home is provided as part of your job, your right to live there will probably end when your job does. However, you cannot be evicted without receiving at least four weeks' notice and a court order.

Excluded tenancies and licences

If there is a legally binding agreement between the tenant or licensee and the landlord, the landlord must first give any notice set out in the agreement or wait for the fixed term of the tenancy or licence to end. However, unlike with other types of tenancy or licence, the notice period can be less than four weeks.

If there is no agreement, an excluded licensee will be entitled only to notice that is reasonable in the circumstances. This could be as little as a few days or sometimes even immediate.

If the tenant or licensee does not leave after the notice period, the landlord does not have to get a possession order from the court, as they normally do with other types of tenancy. They can, for example, change the locks while the tenant or licensee is away from the property, though they cannot use force to evict them. However, the landlord can choose to get a possession order as a way of forcing the tenant or licensee to leave. As long as the landlord has given reasonable notice, the court will grant the order. The landlord can then get a bailiff’s warrant. Bailiffs have the right to use ‘reasonable force’ to remove tenants or licensees from the property.

If the landlord gets a possession order

If the court grants the landlord 'outright possession', the possession order will set a date for the tenant to leave. Once the date of the order has passed, the landlord can apply for a warrant if the tenant has not left. If this is granted, the court will tell the bailiffs to evict the tenant. The landlord has the right to claim payment for the time the tenant continues to live in the property.

If you are a tenant or licensee and you receive that bailiffs are going to evict you, you should get advice immediately. You may still be able to stop the eviction by getting the court to 'suspend' the warrant. But you must have a good reason and show you have a realistic plan to pay off any rent you owe.

Harassment and illegal eviction by a landlord

It is generally illegal for a landlord to evict a tenant without a court order. This usually includes, for example, changing locks while the tenant is out. Even in the few situations where the tenant doesn't have this protection (for example, people with an excluded tenancy or licence), the landlord must still bring the tenancy or licence to an end, or wait for it to end, before taking this type of action.

If you are a tenant who is being harassed, or you are facing illegal eviction by a private landlord, contact the tenancy relations officer at your local council (or the council officers who deal with harassment and illegal eviction). The council officer should try to stop the harassment and persuade the landlord to let you back into your home. If this fails, they can prosecute the landlord, although this happens only in extreme cases.

Tenants can also take action in court themselves, though they would need expert legal help to do this. You can apply for an injunction to stop the landlord harassing you or to let you return to your home. You should also be able to claim compensation. If the case is urgent, you can get an emergency injunction before there is a fuller court hearing.

The Protection from Harassment Act 1997 also offers protection against harassment by any person including a landlord, even where they are not necessarily trying to evict you.

Deposits

A landlord will normally ask for a deposit from the tenant before they move in. Both the landlord and the tenant should make sure that the tenancy agreement states:

how much the deposit is;

who holds it;

when money can be deducted from it (for example, for unpaid rent or damage to the property); and

when the tenant will get the money back.

If, when the tenant leaves, they don't get their deposit back, and there is not a good reason for this, they can claim against the landlord through the courts as a 'small claim'. This is a simpler, quicker and less expensive way of using the courts than the full court procedure, but it can be used only for claims up to £5,000. You can get forms and more details from your local county court, Citizens Advice Bureau or legal advice centre, or from the court service website (see 'Further help').

A new tenancy deposit scheme to safeguard deposits and provide independant arbitration for disputes over deposits is being set up, and is due to begin in March 2007.

Rent increases

A landlord's right to increase rent depends on the type of tenancy.

Assured tenancies

People with assured tenancies can sometimes challenge a rent increase. If the tenancy is for a fixed term, the rent is normally agreed at the start and cannot change during that term. The only exception to this is if the tenancy agreement includes a rent review or increase arrangement (or if the tenant agrees to an increase).

With a periodic tenancy (one that runs from week to week or from month to month, depending on when the rent is paid), the rent can go up in the first year only if the tenancy agreement allows for this.

After a year, the landlord can increase the rent by giving at least one month's notice in a special form. If the tenant thinks the new rent is too high, they can contact their local Rent Assessment Committee (RAC). RACs are independent bodies that deal with rent issues. Your local RAC will be listed in the phone book. RACs can set the rent according to what is charged elsewhere in the area. They can uphold the landlord's rent demand (or even increase it) as well as reduce it. The rent fixed by the RAC is the maximum the landlord can charge for one year.

However, if the tenancy agreement sets out how the rent is to be increased, this procedure does not apply and then tenant cannot ask the RAC to asses the rent. If you are in this situation and you think the way your tenancy agreement says rent can be increased is unfair, you should get advice, because it is sometimes possible to challenge unfair agreements.

Assured shorthold tenancies

The landlord's right to increase rent on assured shorthold tenancies is the same as for assured tenancies. A tenant can apply to an RAC at the start of a tenancy if they think the rent is excessive.

If your tenancy started between 15 January 1989 and 28 February 1997, you can challenge the rent any time during the initial fixed term. If your tenancy started after 28 February 1997, you can challenge the rent within six months of the start of the tenancy. But it may be risky to do this, as the landlord can legally evict you at the end of the tenancy period. If you have an assured shorthold tenancy, you need to get advice before you challenge any rent increase.

At the end of the fixed term, the landlord may offer another fixed term at a higher rent. If the tenant signs a new agreement, they cannot then apply to the RAC to set the rent.

Regulated tenancies

Tenants and landlords with regulated tenancies can apply to the Rent Service to set a 'fair rent' (the Rent Service number is in the phone book). The Rent Service can put the rent up as well as down. If the fair rent is lower than the tenant has been paying, the tenant may be able to get back up to two years' overpaid rent. If the fair rent is higher than the tenant has been paying, the landlord must give notice before they can start charging the higher rent.

A fair rent is set for two years, but the tenant or the landlord can appeal to the RAC. It may either increase or decrease the rent set by the Rent Service. After two years, or if there has been a significant change in the property's condition, the landlord or the tenant can apply for a new fair rent.

Other private renting arrangements

For other types of tenancy (often where the landlord lives with the tenant) the landlord can charge any rent they wish. Unless there is a written agreement saying how and when rent may be increased, the only option for the tenant is to negotiate with the landlord or leave.

Responsibility for repairs

Many written tenancy agreements say which repairs the landlord must do and which ones the tenant must do. For most tenancies, if the agreement is for less than seven years, the Landlord and Tenant Act of 1985 means all landlords must keep certain things in good repair, whether or not there is a written agreement. These are:

the structure and outside of the property;

water, gas, electricity and drainage installations; and

heating and hot water systems.

Landlords must also maintain gas flues and appliances belonging to them, and get them tested every year by a Corgi registered gas fitter (one who is registered with the Council for Registered Gas Installers). They must also give the tenant a copy of the safety certificate.

In furnished flats and houses, upholstery and soft furnishings must meet fire regulations.

For tenancies that started on or after 15 January 1989, the landlord must also keep the common areas (shared stairways, hallways and lifts, for example) in good repair. In a block of flats, they must do necessary work on any empty flats they own (for example, to prevent leaking pipes affecting flats below).

If your tenancy started before 15 January 1989, the situation is more complicated and you should get advice. Your landlord's responsibilities will depend on whether your contract says you are responsible for common areas.

'Keep in repair' includes doing repairs that were already needed when the tenancy started, and not just problems that have arisen since. The landlord must also 'make good' or redecorate when a repair is finished. As long as the landlord gives notice, they normally have the right to come into the tenant's home to check its condition and do any repairs that are needed. They should give notice of at least 24 hours in writing, except in an emergency.

Legally, repair is not the same as renewal or improvement of a property. If you're not sure whether something counts as a repair, a housing aid centre or other advice centre should be able to help you.

Getting repairs done

The tenant (or tenants' association) should tell the landlord about things that need repairing as soon as possible. It is best to do this in writing and keep copies of the letters.

If the repairs aren't done, the tenant should get advice from a solicitor, Citizens Advice Bureau or housing advice centre. This is because, depending on the type of tenancy, the landlord could try to:

evict the tenant at the end of the tenancy period rather than do the repairs (assured shorthold tenants and licensees could be at risk of this); or

increase the rent when repairs have been done (this could affect regulated tenants).

In many situations, though, it is still worth taking action. If the tenant has told the landlord about repairs and they are not done in a reasonable time, or not done properly, the tenant can make a claim in the county court. You should get expert advice before doing this (see 'Further help' for where to find help). The court can order the landlord to do the repairs. It can also award the tenant compensation for distress and inconvenience.

A quicker option may be to get an injunction from the courts, which forces a landlord to do the repairs (again, you will need advice before doing this). This may be combined with a claim for compensation. Whatever happens, you should never stop paying rent, as this could give the landlord a reason to evict you.

If a tenant has to move out while major repair work is done, they may be able to claim the cost of somewhere else to stay. But you should get advice before moving out, because even a temporary move could mean losing some rights as a tenant.

If you stay while the work is done, you may be able to claim compensation from the landlord for discomfort and inconvenience.

Licensees are normally in a much weaker position than tenants if they want toget repairs done. A landlord normally doesn't have to carry out any work that is not set out in the licence agreement.

If the house or flat is unsafe

If a home is not 'hazardous' (its condition is seriously affecting the health or safety of the tenants) or if it needs other kinds of major repairs, the tenant should contact the local council's environmental health officer. The council can order the landlord to do the repairs. If they don't do them within a reasonable time, the council can:

take legal action against the landlord; or

do the work itself and get the cost back from the landlord.

If the condition of the house or flat is affecting a tenant's health the local council can also take action against the landlord. If the local council won't do anything, the tenant can get the magistrates' court to force the landlord to fix the property (under the Environmental Protection Act 1990). You will need expert advice to do this.

If the tenant arranges their own repairs

If the landlord won't do minor repairs, a tenant can get the work done themselves. You can take the cost of the repairs out of your rent. But you must get advice first, because you must follow a special procedure, as follows:

1. Write to the landlord explaining that if the landlord doesn't do the work within a reasonable time (two weeks, for example) you are going to do it yourself and claim back the money.

2. If the work is not done in this time, get three quotes for the work.

3. Send the quotes to the landlord with a letter explaining that you will go ahead with the cheapest quote unless the landlord arranges for the repairs to be done within a certain time (two weeks, for example).

4. If the work is not done in this time, arrange for the work to be done by the company or tradesperson who provided the cheapest quote.

5. Pay for the work and send a copy of the receipt to the landlord.

6. Ask the landlord to refund the money.

7. If the landlord does not refund the money, write to them explaining that you are going to take the money from future rent payments.

If you don't follow this procedure, you may still be liable to pay all the rent. And people with assured shorthold tenancies can still be evicted for not paying their rent even if they have followed this procedure.

Making improvements to the house or flat

Private tenants can make improvements to their home only if the landlord has given their written agreement first. Tenants cannot claim back the money they've spent unless the landlord agrees to this at the outset.

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