Posts Tagged ‘discussion’

The slightly unusual dilemma of a Croydon landlord

12/11/2016

Re-published – first published on 21st October 2013 Dear Mark (and all Property118 readers) I think my wife might be having an affair with one of my tenants. The usual give away signs are all there, lots of “girlie nights out”, which she never used to do, and phone calls where the other person just… Read more

FOS rule West Brom Tracker Rate Hike is fair

16/11/2014

The FOS (Financial Ombudsman Service) have done it again!  In the past the FOS have controversially agreed that rate hikes applied by Bank of Ireland, Skipton Building Society (Amber Homeloans) and also the Danske Bank (formerly National Irish Bank) were fair. Therefore, is it really that shocking that FOS would also rule in favour of West… Read more

West Bromwich Building Society

Property118 Members vs West Bromwich Mortgage Company

03/03/2014

UPDATE – 31st March 2014 Since publishing this article our campaign has raised over £450,000 and legal action has now commenced. The official closing date for borrowers to be represented in this action was 28th March 2014. However, it may still be possible to be included in the representative action by paying additional fees to… Read more

Bank of Ireland Tracker Rate Legal Campaign Fundraising re-launched

31/01/2014

The Bank of Ireland Tracker Rate Legal Campaign began in March 2013. History to date 100 affected BoI borrowers each paid £150 plus VAT into an initial legal fees fighting fund and instructed Justin Selig of The Law Department to obtain Counsels opinion on the merits of our case. Consensus of legal opinions was that regulators… Read more

Mark Alexander and David Morris MP considering an Early Day Motion at the Houses of Parliament 21-01-2014

Campaigns Against Tracker Mortgage Rate Hikes Reach Parliament

22/01/2014

The campaigns organised by members of Property118 against hikes to tracker rate mortgage margins moved up a gear yesterday when I was invited to meet with David Morris MP and his aide Andre Walker at The Houses of Parliament. I spent 90 minutes with them in total. I also managed to get a very quick… Read more

Complaint to ASA re West Brom Tracker Mortgages Website Advertising

18/11/2013

COMPLAINT TO ADVERTISING STANDARDS AGENCY I have just completed my online complaint to the ASA. It is a five step process. The basis of my complaint was targeted only at the statement of the West Brom website. My thinking is that if we over-complicate matters for the ASA they might decide to refer the complaint… Read more

Choosing a property location

11/11/2013

My buy to let property portfolio is within three miles of my main residence but I would venture further out. My main concern is that I won’t know other areas as well.  In the past I’ve looked at Rightmove to understand how much properties can be rented for and how many have been let recently. Also,… Read more

HMO Question – are basins in bedrooms mandatory?

09/11/2013

Is it a legal requirement that every bedroom in a licensable HMO has to have a wash hand basin? I have been jumping through hoops for a year to try and get a licence on a three storey 6-bed HMO. I had a letter from the council in 2011 saying that as I had three… Read more

Letting Agent won’t release rent (6 months paid in advance)

07/11/2013

My tenants have paid 6 month rent in advance ( as they did in the previous 6 months with no problems) due to them being students. The Letting Agent is dragging its feet and will not release the 6 months rent to my bank account stating the tenants have to sign a form allowing this… Read more

HMO Internal locks ‘deal breaker’?

I’m at the point of exchange on an HMO licensed 5 bed house, currently let to students. I received a letter from the mortgage lender Birmingham Midshires (BM Solutions) saying one of their conditions is that there are ‘no internal door locks’. I checked and there are thumb locks on all the bedrooms. The letting… Read more

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