HMO – Camden Council sending letters to the mortgage provider?Make Text Bigger
Over the last year I have submitted many HMO applications to Camden Council so to comply with their new additional HMO scheme (note: they are the only borough currently who are imposing this onto their landlords).
After submitting the application and having had a visit from the inspector we have carried out the works in accordance to their schedule of works and provided proof to them which they are happy with so we are now under the impression that everything is going accordingly as they did not arrange for a further visit.
After several weeks had passed we received a letter from our mortgage provider advising us that they had received a letter from the council advising them that we have applied for a HMO application which our mortgage provider advised us we are breaching our mortgage terms and condition. We then had to write back to the mortgage broker advising them that they had a different definition of a HMO compared to the councils definition and that we have not breached their terms and conditions in anyway what so ever.
They then asked for an AST which we then provided. Even though we have provided all the relevant information to the mortgage company they still blocked our account. We then got the council to write a letter to us giving their definition of a HMO which we then forwarded to the mortgage provider and after voicing our frustration with the way they treated us as a customer we wanted to leave and go elsewhere they then gave in and unblocked our account.
We have received this letter for several properties and it is just so frustrating as the issue lies in the definition of a HMO and the fact that we have not breached our terms and condition what so ever with our mortgage provider yet we still received these letters advising that we have breached their terms is very worrying and blocking our account is just going over the top.
Has anyone experienced this issue?
If so, how did you deal with this?
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