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Forum » As soon as corona is over, I am joining with my flatmates to screw over our landlord.
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Thread: As soon as corona is over, I am joining with my flatmates to screw over our landlord.

post 1602601501 04-15-2020, 02:23 PM
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Originally Posted By atgbrahsrs⏩
You were right, spoke to a solicitor friend who said depending on bank this is kind of like mortgage fraud.
Fukking lol at the UK where passing the savings gets you blackmailed.

Consider this, your landlord works for a bank in the risk department and is willing to do this. Contrary to this, you're getting advice from posters on the misc that he's fukked.

Do you see the problem here?
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post 1602602821 04-15-2020, 02:38 PM
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Obviously if the place burns down without the multiple occupancy agreement etc then he won’t be insured either

Would be lolzy

IRL we all know you’ll probably fold aces and pay an increased amount, then watch your landlord turn up in a new S Class in six months.
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post 1602603091 04-15-2020, 02:41 PM
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Originally Posted By rectifryer⏩
Fukking lol at the UK where passing the savings gets you blackmailed.

Consider this, your landlord works for a bank in the risk department and is willing to do this. Contrary to this, you're getting advice from posters on the misc that he's fukked.

Do you see the problem here?
I was really surprised when it went through my head why would someone be willing to do this.

But the landlord changed his tone from "I want my money NOW I don't care" to "Sorry for the inconvenience let's see how we can arrange payments after COVID-19 settles down".

That is how I know he is ****ed. Because he really was willing to do this unlicensed with all risks involved and he changed immediately once he realised the unemployed flatmate knows about HMO and awared me and the other guy about it.
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post 1602603941 04-15-2020, 02:51 PM
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This require a Housing Multiple Occupants licence in the UK
Oi mate u got a license to post on the misc
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post 1602604741 04-15-2020, 03:04 PM
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Originally Posted By moosik85⏩
Oi mate u got a license to post on the misc
yes, I give 50 % of my reps to the Royal Family.
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post 1602606231 04-15-2020, 03:24 PM
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Report him. He has no business being a landlord if he doesn’t know (or doesn’t care) about operating inside the Law that governs them.

If a food factory wasn’t abiding by food hygiene laws, they would get shut down, regardless of the circumstances. He is not so special that the rules don’t apply to him.
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post 1602618291 04-15-2020, 06:00 PM
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Originally Posted By Anachron⏩
You need to look up the definition of karma, but thanks for confirming scum status.
(in Hinduism and Buddhism) the sum of a person's actions in this and previous states of existence, viewed as deciding their fate in future existences.

Ie Landlord was ready to screw them all over at the drop of a hat. Op has been handed the opportunity to decide his fate. Problem?
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post 1602619101 04-15-2020, 06:07 PM
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Originally Posted By atgbrahsrs⏩
1. Telling the bank that he is converting the mortgage to buy-to-let so they can adjust percentages for the increased risk.

2. He has to additionally pay a few thousand to get the licence and then extra council tax.
Sounds fair. That's what normally happens when a consent-to-let is later added on a mortgage.

So what's your living situation going to look like? He recanted his demand that you and the other stable bloke pay for the third guy, so all's well?
post 1602621501 04-15-2020, 06:41 PM
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Originally Posted By Aristotelian⏩
Sounds fair. That's what normally happens when a consent-to-let is later added on a mortgage.
Yes but you arrange that BEFORE you let it out, not months/years later when busted/blackmailed lol
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post 1602621691 04-15-2020, 06:42 PM
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Originally Posted By Anachron⏩
Congrats, you looked up the definition, but still misunderstand what it is.

But I'm ok with you showing everyone how morally corrupt you are.
you cant possibly be serious. landlord fired the first shot at someone who had nothing to do with the tenant who cant pay. It was a separate contract. Jesus lol
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post 1602627881 04-15-2020, 08:04 PM
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Originally Posted By samsbolton⏩
Yes but you arrange that BEFORE you let it out, not months/years later when busted/blackmailed lol
Why do you keep insisting on this? I know of dozens of cases in the UK where the 'consent to let' is provided later, e.g., when a flat was bought to live in and someone moves from the mortgaged flat in London to NY to work. So they can rent it out. The person tends to get a bit shafted by the lender on the fees etc. In this case, likely penalties/back paid too.

Are you being deliberately obtuse? You seem out of your depth here, but if you think the landlord is going to jail for fraud feel free to beat off to that.
post 1602628351 04-15-2020, 08:11 PM
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I'd just tell him what you just told us to scare him into giving you all some money back and the rest of your lease free. Fuk all the court bs
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post 1602643761 04-16-2020, 02:36 AM
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Originally Posted By Aristotelian⏩
Why do you keep insisting on this? I know of dozens of cases in the UK where the 'consent to let' is provided later, e.g., when a flat was bought to live in and someone moves from the mortgaged flat in London to NY to work. So they can rent it out. The person tends to get a bit shafted by the lender on the fees etc. In this case, likely penalties/back paid too.

Are you being deliberately obtuse? You seem out of your depth here, but if you think the landlord is going to jail for fraud feel free to beat off to that.
It’s mortgage fraud, fact, op has already confirmed with a lawyer. I’ve been a landlord in the uk for 10 years. If you let it out and tell the lender a few weeks later because it ‘slipped your mind’ you’ll probably get away with it.

Nothing to do with op. This has been going on for 6 months at the very least combined with no license and almost certainly tax evasion etc. THEN he tried to screw over two tenants who were irrelevant to the situation of the third. (I think it’s also illegal to raise rents by 30% btw). Fuk him.

Never mentioned jail, I said he was committing criminal fraud. The penalties will depend on a lot of things but from what we know I think the house would be repo’d, the local authority would blacklist him and he’d lose his job.
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post 1602644241 04-16-2020, 02:54 AM
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gj, this is awesome "srs" do it and post results
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post 1602650011 04-16-2020, 06:16 AM
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post 1602650781 04-16-2020, 06:29 AM
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Originally Posted By blissful88⏩
Read thread.

I'm not sure of laws there but I know in NA what the landlord is doing is illegal, tenant rights are something everyone should know where ever it is they live.

30% increase on rent because he "feels like it"? Nah it doesn't work that way, there's renting contracts for agreements.

As far as I know you can't be evicted right now for not paying rents, and rightfully so since so many are out of work.

Landlord's make nice profits(I'm one myself), don't let them bullchit you, they're not going under yet.
Landlords don’t necessarily make that much money, unless they bought at really low prices or it’s paid off. Most in my area do it for appreciation, and returns are only 4-5% until you have the property long term.
post 1602651001 04-16-2020, 06:32 AM
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Originally Posted By Aristotelian⏩
Why do you keep insisting on this? I know of dozens of cases in the UK where the 'consent to let' is provided later, e.g., when a flat was bought to live in and someone moves from the mortgaged flat in London to NY to work. So they can rent it out. The person tends to get a bit shafted by the lender on the fees etc. In this case, likely penalties/back paid too.

Are you being deliberately obtuse? You seem out of your depth here, but if you think the landlord is going to jail for fraud feel free to beat off to that.
This is what we see in the US as well so it would be VERY surprising to see any sort of action on this IMO but I will not state an opinion on UK.

The most that would happen in the US is you would need different insurance but its not criminal in practice.
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post 1602651921 04-16-2020, 06:47 AM
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Originally Posted By rectifryer⏩
This is what we see in the US as well so it would be VERY surprising to see any sort of action on this IMO but I will not state an opinion on UK.

The most that would happen in the US is you would need different insurance but its not criminal in practice.
It’s completely different here. It’s a totally different mortgage category, far more expensive. Plus insurance, plus license as in the op.

Aristotleain despite not living here seems to know better than me though, an actual U.K. landlord
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post 1602652861 04-16-2020, 07:03 AM
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Originally Posted By samsbolton⏩
It’s completely different here. It’s a totally different mortgage category, far more expensive. Plus insurance, plus license as in the op.

Aristotleain despite not living here seems to know better than me though, an actual U.K. landlord
You keep repeating 'fraud' as if it will guarantee what theoutcomewill be. You cannot guarantee the outcome. And I simply stated what the likely outcome is from many cases I have seenin the UK. You seem very unfamiliar with how banks actually operate when it comes to mortgage milking, and worse you honestly sound rustled because it's an 'asian' (I know which word you really want to use here - I lived in the UK long enough for that) landlord. Take it up with your UKIP buddies at the pub.
post 1602653911 04-16-2020, 07:21 AM
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Originally Posted By Aristotelian⏩
You keep repeating 'fraud' as if it will guarantee what theoutcomewill be. You cannot guarantee the outcome. And I simply stated what the likely outcome is from many cases I have seenin the UK. You seem very unfamiliar with how banks actually operate when it comes to mortgage milking, and worse you honestly sound rustled because it's an 'asian' (I know which word you really want to use here - I lived in the UK long enough for that) landlord. Take it up with your UKIP buddies at the pub.
The example you gave of what you had seen didn’t come close to what was in the op.

And I’m against bad landlords full stop, wherever they are from. I do it properly and pay my taxes, so should everyone else.

And I don’t know if you’ve heard, but brexit is about treating everyone who wants to come here, from inside or outside the eu, exactly the same. Not favouring one or the other.
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post 1602654911 04-16-2020, 07:38 AM
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Originally Posted By Lefticle⏩
OP is a true piece of garbage.


For not accepting a 30% rental increase on the spot? I didn't realize you liked getting ****ed in the ass.
post 1602655061 04-16-2020, 07:40 AM
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Originally Posted By samsbolton⏩
The example you gave of what you had seen didn’t come close to what was in the op.
And I’m against bad landlords full stop, wherever they are from. I do it properly and pay my taxes, so should everyone else.
And I don’t know if you’ve heard, butbrexit is about treating everyone who wants to come here, from inside or outside the eu, exactly the same. Not favouring one or the other.
Let's be clear with each other now, pal, since you somehow think I have never lived in the UK so must not know what it's like.

1.
Originally Posted By samsbolton⏩
Since you are near London, our of interest,is the LL by any chance Asian?Just wondering..
2.
Originally Posted By atgbrahsrs⏩
WTF, yes.
3. These 'asians' (again, I know which word you want to use - heard it on trains all the time...) were there long before Brexit so since when is Brexit about treating people equally? Just lol.

To be clear: the difference between you and me is the above, as well as you thinking that the bank should repo his house. I don't think they should. I think they should shaft him on a new mortgage arrangement with fees/penalties/back pay, and the local council should shaft him as well (dunno what type of property this is but hopefully they can get their fair share too).

My version lacks: (i) reference to the guy's race with all that's implicit when Brits talk about Asians (again, I know which word comes to your mind); and (ii) the repo element. But it is fair.
post 1602662021 04-16-2020, 09:07 AM
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Originally Posted By atgbrahsrs⏩
The lovely borough of Tower Hamlets
Goodnight sweet prince.
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post 1602663021 04-16-2020, 09:19 AM
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Originally Posted By samsbolton⏩
It’s completely different here. It’s a totally different mortgage category, far more expensive. Plus insurance, plus license as in the op.

Aristotleain despite not living here seems to know better than me though, an actual U.K. landlord
I simply do not understand why would anyone risk huge fines + compensating tenants alone..... (let alone potential problems with mortgage + criminal record) for any amount more compared to having everything in check.


Blows my mind really. Because let's say he was the nicest landlord in the world and we had an awesome tenancy. Well, even in those circumstances he would risk having tenants snitching on him anyway and getting their tenancy for free.
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post 1602688931 04-16-2020, 02:07 PM
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Originally Posted By Aristotelian⏩
Let's be clear with each other now, pal, since you somehow think I have never lived in the UK so must not know what it's like.

1.

2.

3. These 'asians' (again, I know which word you want to use - heard it on trains all the time...) were there long before Brexit so since when is Brexit about treating people equally? Just lol.

To be clear: the difference between you and me is the above, as well as you thinking that the bank should repo his house. I don't think they should. I think they should shaft him on a new mortgage arrangement with fees/penalties/back pay, and the local council should shaft him as well (dunno what type of property this is but hopefully they can get their fair share too).

My version lacks: (i) reference to the guy's race with all that's implicit when Brits talk about Asians (again, I know which word comes to your mind); and (ii) the repo element. But it is fair.
So much wrongness in one post.

1. For a Brit, ‘Asian’ covers every country between China and Kazakhstan. Not any one country

2. Are you somehow suggesting I think Asian landlords have a reputation for cutting corners and general skullduggery? I’m appalled by the very notion.

3. What you think the bank should do isn’t here nor there. I don’t think they or his employer would take any of this lightly. It’s a sustained fraud, not an ‘oops unplanned letting and forgot to tell my bank for couple of weeks’. You know this perfectly well which is why you’ve now decided to make this a race bait thread.

I’ve no time for slumlords, I see how they fuk people over every day in my job. No excuse for it
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post 1602698901 04-16-2020, 04:22 PM
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Screw that piece of shytt.
Sounds very deserving.
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post 1602708191 04-16-2020, 06:19 PM
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Originally Posted By samsbolton⏩
1. For a Brit, ‘Asian’ covers every country between China and Kazakhstan. Not any one country
Well that’s a lie.
Originally Posted By samsbolton⏩
2. Are you somehow suggesting I think Asian landlords have a reputation for cutting corners and general skullduggery?I’m appalled by the very notion
And another lie

You’d however be correct in saying that “Asian” landlords have that rep. This isn’t to say the rep is accurate but certainly the rep exists.

Actually no, let’s take your word that you could be speaking about Mongolian landlords and you’re genuinely dumbfounded why anybody would think you were saying they’re crooks
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post 1602718091 04-16-2020, 08:36 PM
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Had an Asian landlord 20 years ago.
Among other things he used to fart without any shame in front of you.
Place was a pile of shytt.
Like all the lowest of the low landlords, they divide a house down the middle so they can rent it out to two different people as duplexes.
As far as Asian landlords go, he certainly re-inforced the stereotype that they are scumbags.
Pipes got blocked from roots once and landlord talked me into paying for electric eel treatment because he hadn't increased rent in 12 months... I was 18/19 years old at the time.
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post 1602733171 04-17-2020, 01:55 AM
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Originally Posted By Mike86er⏩
Well that’s a lie.



And another lie

You’d however be correct in saying that “Asian” landlords have that rep. This isn’t to say the rep is accurate but certainly the rep exists.

Actually no, let’s take your word that you could be speaking about Mongolian landlords and you’re genuinely dumbfounded why anybody would think you were saying they’re crooks
Collins dictionary

ADJECTIVE
Asian means belonging to or relating to Asia. British people use this term especially to refer to India, Pakistan, and Bangladesh. Americans use this term especially to refer to China, Korea, Thailand, Japan, or Vietnam.

Cheers. Fuk off.
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post 1602734491 04-17-2020, 02:53 AM
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OP, before resorting to drastic measures, can you just say "No thanks, I won't accept the rental increase" and see what the landlord says?
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