This is a question to the blog clinic from Jo who is a landlord living in Australia
What a nightmare….Am living in Australia , had a total nightmare with rougue tenants about 18 months ago. After a 9 month expensive battle through the legal process, they were evicted (they agreed to move out if we waved all their 7k rent arrears).
We ended up with 3k in mortgage arrears but on good terms with our mortgage company, New tenants moved in and there was a shortfall in rent to mortgage of 300 per month which we have been covering.
In Jan out of the blue LPA receivers had been appointed. We haflagged up that comparable properties were going for 250 more pcm & LPA said they would take rent increase into consideration when they make their reccomendation but they have a “responsibility to the tenants”
Just spoke to Northern Rock & tenants evicted & the property is now about to be sold but it’s the first I’ve head of it !! No letter, email, phone call..zilch !
Northern Roch said they tried to call me once but then realized the time differece in Australia so left it???? Surely they had an obligation to tell me they were evicting my tenants?
They also claim there’s 5k of maintanancebut they don’t know what the work is… again, first I’ve heard of it. This surpises me as in the last 12 months I’ve replaced the windows, gate, storm porched re-built & my letting agennt did an inspection for me just prior to LPA takeover in March & no work to be done then.
Valuations for sales are 25k less than I paid 7 years ago leaving me with a large debt.
Can they really just evict my tenants without even contacting me?
This all does not seem right at all. I realise that Northern Rock want to wipe their books clean & “buy to let” properties are the firat to go, but it was my home for 3 years before I emigrated and it feels like I am being treated like a greedy bad landlord.
I’ve done everything possible to do the right thing the whole way through. Any good advice will be gratefully received.
This is really a mortgage / mortgagee problem rather than a landlord and tenant one and mortgage repossession is not really my area. So I put up this question partly as an Awful Warning to ex pat landlords and partly to see if any readers have suggestioins.
My view is that you are at an enormous disadvantage being in Australia and that you need to get a representative in England acting for you. The best option would probably be a firm of solicitors who deal with mortgage repossession work as they can write to the company on your behalf and will know the score.
However as it is now after the event and the tenants have been evicted, it may be hard for them to achieve anything. What does anyone else think?