New EICR to cover any changes made by outgoing tenant?10:00 AM, 4th May 2021
About 2 weeks ago 95
I own a small rental house miles away from me which is fully managed by an agent. My tenant constantly falls into arrears which until now she has eventually paid off, but she either ignores the agents or makes them promises she does not keep so she has caused a constant fuss.
After the virus hit she missed 2 full months payment. I told the agents to offer her a rent holiday on condition she set up a payment plan with them to pay off arrears. She ignored this and still didn’t pay.
My insurance has a rent protection module, so I then contacted my insurers. The insurers seem to have a very small window of time for accepting claims, they must be notified immediately the tenant is 2 months in arrears, but apparently (?) if the tenant then pays off some of that money they won’t deal with the claim anymore as the tenant isn’t 2 months in arrears anymore. Also the insurers demand a Section 8 or a Section 6a notice to be supplied as part of the claim.
The tenant has started paying off bits and pieces of rent, so is no longer in 2 months arrears, so I can’t progress my insurance claim at present.
The agents are constantly writing to me, because she is still in arrears, and she’s now trying to badger me to sort something out with her personally about future payments and bypass the agent. It is constant uproar.
I’ve blocked her phone number, but I have served her with a Section 6a so I can go ahead with the insurance claim if I need to. Her tenancy runs out anyway this month. Due to the court freeze, she would be leaving in early September.
It looks to me as if I will get rid of her at vast expense, but there is no guarantee I won’t get another tenant who is even worse.
I know I have very little experience of the property world so I wonder if there is a better way I could be handling this situation… Any suggestions please?
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