Please help me.(posted 7110 days ago)I have reason to believe that my landlord is defaulting on his mortgage payments.
I originally rented a room with the rest of the house available to me a year ago. I had a rent book but the landlord said it was temporary to drawing up a proper agreement. The landlord said he was new to the proceedings and wanted to draw up a proper agreement. I lent him the past agreements I had had for past properties I had taken out for flats. However, this was the first time I had been in a flat share situation without an agreement.
I have never received a formal agreement from him, nor has he returned, despite request, the agreements I have had from other flats I have rented.
Just over a month ago, after I phoned him to see how his fiance and inpending baby were doing, I was told that he was going to put the property on the market.
I said this was okay, as he was not proposing to do so until a month had expired, but that I would like to remain in the property until it was sold.
He agreed that this was okay.
However, he has not put the property on the market.
But, I have had a visit from his mortgage company who have sent an advisor to discuss his mortgage arrears. They want to contact him as soon as possible.
I will not tell you how I learnt this - but I did not answer the door directly.
Where do I stand now?
The previous "share tenant" left many months ago. I am the only one remaining despite saying that I would be happy for someone to share.
I have no agreement in writing. I have nothing on my tenancy agreement, as I now pay to his account direct from my internet banking service.
There are a lot of my things here - personal effects and furniture, tv, an enormous amount of books, white goods, etc, that I would find it hard to replace.
Where do I stand on this?
What can I do?
By the way ... this is the 5th time I've rented and each time the landlord has chosen to sell within 6 months of my being the property. Most of my effects are in storage and have been for several years.
But I do not have the money to buy. And I'm in my 40s. I have worked consistently .. but I have never earnt enough to ever consider anything but renting.
Please help me.
Thank you.