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Lease Verses Licence

  • 06-06-2017 1:34pm
    #1
    Registered Users, Registered Users 2 Posts: 21


    I recently attended a PRTB adjudication hearing. I am very interested to hear what other peoples experiences have been if they have gone to adjudication or tribunal hearing with the PRTB.


Comments

  • Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    Well what were your own views??
    Ive attended a couple of them. My experiences were very positive...i found the adjudicator to very fair. I think once you have your paperwork in order and can calmly put your case across and show you have followed the regulations you should be confident of the outcome...independent witnesses can be important too...all depends on the specific circumstances though.


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    Just a note of caution to anyone looking to rent a property, I recently rented and signed a licence agreement. I was unaware TBH of what was signed (stupidly) until there was an issue and did not (still struggling to determine) the difference between a licence and lease.

    A licence allows the landlord to opt out of the landlord tenant arrangement and you will not be covered under disputes brought to the RTB. I have rented for over 12 years in various properties & never encountered this before.


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    I had a number of issues with the landlord and had to vacate the property. On the advise of Threshold and PRTB we took a case. However it transpired that we had been given a licence agreement, not lease. We did not know the difference and presumed (stupidly or wrongly) that we were signing a lease. The property was advertised as a tenancy.

    I found the tribunal to be a horrible experience. The adjudicator seemed to be very much in favour of the landlord.


  • Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    Was the landlord living in the accomodation also?


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    No he was not. He lived in the house beside us. 6 houses on the property, all with their own front & back doors. Shared common grounds and parking


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  • Registered Users, Registered Users 2 Posts: 13,381 ✭✭✭✭Paulw




  • Registered Users, Registered Users 2 Posts: 2,848 ✭✭✭?Cee?view


    Paulw wrote: »

    From that link:

    Parties cannot contract out of a tenant’s entitlement to a Part IV tenancy (Section 54 of the Residential Tenancies Act 2004). Any agreement between two parties, which purports to be a licence for the purposes of avoiding the application of the Part IV of the Residential Tenancies Act 2004, will not operate to deny an individual’s right to a Part IV tenancy.

    Name of Contract
    Please remember:
    Simply entitling a letting agreement a Licence does not automatically mean it will be considered a Licence and not a Lease. Neither the RTB nor the Courts will just accept the title of a document but will look at the actual terms and substance of the agreement when assessing whether it has jurisdiction to deal with it.
    A tenant should always examine the terms of a tenancy agreement prior to signing it and know exactly what type of agreement is involved and whether it is a lease or a licence. Remember, the RTB can only deal with “tenancies” and therefore does not have any jurisdiction to regulate genuine licence agreements.
    The legislative definition of “tenancy” is quite broad however and if you are in any doubt as to the significance of any terms contained in your tenancy agreement, please consult your legal advisors.


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    Thanks Paul I think in our situation renting a separate dwelling we should have been given a lease. Otherwise any landlord who lives on the grounds of a complex could opt to provide a licence agreement. I did query with the PRTB at an adjudication hearing if the landlord was right to provide a licence and not lease.


  • Registered Users, Registered Users 2 Posts: 2,848 ✭✭✭?Cee?view


    Thanks Paul I think in our situation renting a separate dwelling we should have been given a lease. Otherwise any landlord who lives on the grounds of a complex could opt to provide a licence agreement. I did query with the PRTB at an adjudication hearing if the landlord was right to provide a licence and not lease.

    Read the piece I posted from the RTB website. It's a settled rule of law long before the RTB was established that you can't avoid a lease just by calling it a licence. You however seem to have accepted that what you signed was a licence which may not be the case.


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    ?Cee?view wrote: »
    Read the piece I posted from the RTB website. It's a settled rule of law long before the RTB was established that you can't avoid a lease just by calling it a licence. You however seem to have accepted that what you signed was a licence which may not be the case.

    I did not accept so much as was told by the PRTB at recent adjudication hearing that we should have examined what we signed. I asked if the landlord was allowed to simply "otp out" of being a landlord and the adjudicator abruptly told me that he asks the questions, not me. :eek:


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  • Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    No he was not. He lived in the house beside us. 6 houses on the property, all with their own front & back doors. Shared common grounds and parking
    Did he retain access to your accomodation from his accomodation...ie was there an adjoining or communal door that he could freely enter your house..without going out of his main or back door and going in your main or back door?
    If the answer is yes then its a licensee situation, if the answer is no then it was a tenancy..and you could invoke your RTA or part iv rights assuming you were there more than 6 months...its not necessary to have a tenancy agreement in place once it was a tenancy in all but name.


  • Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    Just read your reply...very strange behaviour by the adjudicator and strange decision...i would appeal.


  • Registered Users, Registered Users 2 Posts: 2,848 ✭✭✭?Cee?view


    Just read your reply...very strange behaviour by the adjudicator and strange decision...i would appeal.

    Agreed.

    https://www.rtb.ie/dispute-resolution/tribunals


  • Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    You have opened 2 threads on the same issue...which is not allowed here.
    See my response on other thread. Id suggest appealing the decision.


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    The hearing was last week so I will let you know the decision. I could write a book on the bad experience over the last few months, but I will just take away from this - know what you sign. I can guarantee most joe soaps applying for a tenancy as advertised would take it at face value that it is a lease. We were so happy to get the property & signed the agreement the day we collected the keys. I have never heard of any residential property being let via licence, more common for a car space. It is just a warning to all, to be careful.


  • Registered Users, Registered Users 2 Posts: 2,848 ✭✭✭?Cee?view


    Did he retain access to your accomodation from his accomodation...ie was there an adjoining or communal door that he could freely enter your house..without going out of his main or back door and going in your main or back door?
    If the answer is yes then its a licensee situation, if the answer is no then it was a tenancy..and you could invoke your RTA or part iv rights assuming you were there more than 6 months...its not necessary to have a tenancy agreement in place once it was a tenancy in all but name.

    The "if the answer is no" bit mightn't be so straightforward. It could still be a licence even if there's no retained access from the landlord's tenancy to the tenants. What's important is, had the tenant exclusive possession. If the landlord retained the right to enter at any time, whether through a shared entrance or not, then it may be a licence, as exclusive possession is an essential element of a tenancy.


  • Moderators, Society & Culture Moderators Posts: 17,643 Mod ✭✭✭✭Graham


    ?Cee?view wrote: »
    The "if the answer is no" bit mightn't be so straightforward. It could still be a licence even if there's no retained access from the landlord's tenancy to the tenants. What's important is, had the tenant exclusive possession. If the landlord retained the right to enter at any time, whether through a shared entrance or not, then it may be a licence, as exclusive possession is an essential element of a tenancy.

    In previous determinations the RTB have found a tenancy exists even where a landlord has kept a room for 'storage' with the right to access at any time.

    On the surface this does appear to be a very odd decision by the RTB. I can only think there's either something unusual about the accommodation in question, or the RTB are now basing decisions on a Magic-8 ball.


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    PRTB decision is pending, but the adjudicator pretty much said we were stupid for not knowing what we signed and pointed to the document & our signature. I was not really getting into the ins & outs of the tenancy on this post as it would bore you to tears. But just to warn people to be aware of the difference as the agent did not point out this was anything other than a normal tenancy arrangement and we were not provided with a copy of the "licence" until we requested a copy coming up to the RTB hearing.


  • Registered Users, Registered Users 2 Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Just a note of caution to anyone looking to rent a property, I recently rented and signed a licence agreement. I was unaware TBH of what was signed (stupidly) until there was an issue and did not (still struggling to determine) the difference between a licence and lease.

    A licence allows the landlord to opt out of the landlord tenant arrangement and you will not be covered under disputes brought to the PRTB. I have rented for over 12 years in various properties & never encountered this before.

    License - is permission to be there. You enter into licensee agreements every day. If you pop around your friends for a cup of tea, there is a license agreement, walk into a shop to by a Mars Bar, licensee agreement and highly regulated contracts of sale of said Mars Bar, the law is like God: omnipresent, moves in mysterious ways and almost never of any use when you need it.

    Lease - an agreement over a full dwelling, with exclusive use of at least a bedroom (IIRC). It's also a plethora of documents that various lanalord will ask you to agree to.

    Tenancy rights - rights you have whether written into the lease or not, but they should be present in the lease.

    PRTB - A now defunct organisation known as the RTB who in many cases would not know their arse from their elbow. Speak to FLAC (flac.ie) if you need some assistance dealing with the RTB process.

    Whether a contract (because that's essentially what they are) is a lease or a licensee agreement is a matter of function not form. So I can write licencee agreement on it as much as I like. It doesn't make it so.


  • Registered Users, Registered Users 2 Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    ?Cee?view wrote: »
    exclusive possession is an essential element of a tenancy.

    As much bar stood lawyering as been done on this, the same has happened on the flip side - 4ensic15 had linked some decisions which illustrated the point nicely but suffice it to say each case is going to turn on it's own individual circumstances at the moment.


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  • Closed Accounts Posts: 684 ✭✭✭haro124


    Landlord (well receiver) backed down immediately when we put through an application with he RTB, so never got the full experience but it obviously scares some people!


  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    Sorry edited the RTB - bad habit! I will be interested to see how the RTB rule regarding this landlords right to decide a house with its own access and no right for the landlord to enter or retained right can be provided for via a licence. As I said there are a number of other properties on the land which the landlord rents, I did not want to engage with the other tenants but I wonder if they have licences or leases. None are registered with the RTB. My gut feeling is there is more going on here.


  • Registered Users, Registered Users 2 Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Everyone calls it the PRTB, not to worry.

    There are all sorts of 'dodges' to try and get around the RTA, each one of them generally shot down but that's not going to stop Paddy from Cavan who drives a van for a living thinking he knows more than a lawyer that's worked in the area for 30+ years.

    One can only hope the resulting fine focuses the mind. I don't agree with the current legislation but if you want to play the game you play it by the rules.


  • Registered Users, Registered Users 2 Posts: 2,848 ✭✭✭?Cee?view


    As much bar stood lawyering as been done on this, the same has happened on the flip side - 4ensic15 had linked some decisions which illustrated the point nicely but suffice it to say each case is going to turn on it's own individual circumstances at the moment.

    What? Where's the bar stool lawyering? Exclusive Possession is an essential element of a tenancy. That's settled law with limited exceptions such as a right of inspection or an easement.


  • Registered Users, Registered Users 2 Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    ?Cee?view wrote: »
    What? Where's the bar stool lawyering? Exclusive Possession is an essential element of a tenancy. That's settled law with limited exceptions such as a right of inspection or an easement.

    The bar stool lawyering refers to to the storage room, the sleeping there one night a week when I'm up on business malarkey attempting to cynically avoid the EP requirement. Have a read of the relevant threads on the subject, I don't want to turn this one in to yet another one of those threads.

    4ensic15 was very generous in looking up a very good case on point, and without wanting to paraphrase incorrectly, in certain circumstances exclusive possession been met by the exclusive use of a bedroom.

    Suffice it to say, for every possible scenario a barrack-room lawyer will come up with, you can guarantee someone has thought it through more completely. There's going to be an exception one of these days, but no one's been able to point a half decent one out yet in the relevant threads.


  • Posts: 24,714 ✭✭✭✭ [Deleted User]


    The bar stool lawyering refers to to the storage room, the sleeping there one night a week when I'm up on business malarkey attempting to cynically avoid the EP requirement. Have a read of the relevant threads on the subject, I don't want to turn this one in to yet another one of those threads.

    4ensic15 was very generous in looking up a very good case on point, and without wanting to paraphrase incorrectly, in certain circumstances exclusive possession been met by the exclusive use of a bedroom.

    Suffice it to say, for every possible scenario a barrack-room lawyer will come up with, you can guarantee someone has thought it through more completely. There's going to be an exception one of these days, but no one's been able to point a half decent one out yet in the relevant threads.

    Well student accomidation is a pretty big exception with 1000's living as licensees without a LL in sight.

    Also why do the RTB state in their own definition of a licence that that its either person who "lives with their LL" or "who doesn't live with their LL but the LL retains right of entry and the right to move tenants around"

    I have argued for a long time that people in houseshares renting room seperately are licensees, some agree and some here totally disagree despite the fact the RTB state the above and people renting rooms separately satisfy hardly any of the requirements to have a tenancy.

    The fact is retaining a room for storage and thus giving continual access should mean anyone else renting there is a licensee, the fact the RTB may be finding otherwise points at them being wrong and in need of an overhaul.


  • Moderators, Society & Culture Moderators Posts: 17,643 Mod ✭✭✭✭Graham


    Also why do the RTB state in their own definition of a licence that that its either person who "lives with their LL" or "who doesn't live with their LL but the LL retains right of entry and the right to move tenants around"

    OP didn't mention he was subject to being moved around.


  • Posts: 24,714 ✭✭✭✭ [Deleted User]


    Graham wrote: »
    OP didn't mention he was subject to being moved around.

    Not necessarily talking about the op in that instance but replying to the other poster.


  • Registered Users, Registered Users 2 Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Well student accomidation is a pretty big exception with 1000's living as licensees without a LL in sight.

    Also why do the RTB state in their own definition of a licence that that its either person who "lives with their LL" or "who doesn't live with their LL but the LL retains right of entry and the right to move tenants around"

    I have argued for a long time that people in houseshares renting room seperately are licensees, some agree and some here totally disagree despite the fact the RTB state the above and people renting rooms separately satisfy hardly any of the requirements to have a tenancy.

    The fact is retaining a room for storage and thus giving continual access should mean anyone else renting there is a licensee, the fact the RTB may be finding otherwise points at them being wrong and in need of an overhaul.

    But as it's been pointed out to you Nox about thousand times with linked precedences, decisions and cases it doesn't mean it's a license. Any 'overhaul' in the law will simply will state the law as it's currently being applied by the RTB - and rightly so.

    The legal history of this is people don't like chancers.


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  • Registered Users, Registered Users 2 Posts: 21 Activewearuser


    I received the adjudicators report, they rules that the agreement was a lease in everything but words. Basically the landlord trying to pull a fast as a rent a room scheme.

    Which meant the tenancy should have been registered, but no reference to fining the landlord for not registering.


  • Registered Users, Registered Users 2 Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    I received the adjudicators report, they rules that the agreement was a lease in everything but words. Basically the landlord trying to pull a fast as a rent a room scheme.

    Which meant the tenancy should have been registered, but no reference to fining the landlord for not registering.

    In fairness the fine is an administrative sanction against the LL and no more your business than your speeding fines are to the LL. 4ensic15 may correct me here, or indeed anyone else, but I doubt that's ever included in the decision.

    Not meaning to sound harsh there just drawing an analogy.

    Thanks for the up date btw!


  • Registered Users, Registered Users 2 Posts: 1 Wilma2017


    Do people realise one of people on panel of tribunal is a tenants advocate .No wonder landlords are losing genuine cases


  • Moderators, Society & Culture Moderators Posts: 17,643 Mod ✭✭✭✭Graham


    Wilma2017 wrote: »
    Do people realise one of people on panel of tribunal is a tenants advocate .No wonder landlords are losing genuine cases

    Source?

    How does that work when a single individual is hearing the case?

    Or are you saying one out of the many panel members is a tenants advocate?


  • Registered Users, Registered Users 2 Posts: 8,084 ✭✭✭Grumpypants


    Had a reasonable experience with them when a landlord withheld a deposit.

    Opened a case and got to mediation, which they handled. I was owed €600 and settled on €500. Their advice was that I could take a case and would prob win it, but it would cost €75 to lodge the claim, I'd need a day off work, and would have to drive to the hearing in a town 30-40 miles away, so the costs would exceed the €100.

    I took the €500 and went on my way.


  • Registered Users, Registered Users 2 Posts: 19,717 ✭✭✭✭Muahahaha


    Had a case with them a while ago of illegal eviction by a landlord. Won the adjudication hands down and was awarded 5k compensation, my deposit back in full and five days lost wages for having to move unexpectedly. That took about 3 months start to finish which is very efficient imo.

    Then the LL appealed to the Tenancy Tribunal and they lost again with my award increased by another 400 due to fitted wardrobes I paid for and installed (I didnt have the receipts at the first hearing). This part took a further two months. LL still has not paid up and we are enforcing it in the Circuit Court, at this stage the cost of the award will be doubled as he will have to pay my legal fees too so he is now looking at 11-12k bill all in. If he doesnt settle soon we will be either obtaining a judgement mortgage on his family home or else an attachment order on his wages. Regardless of the road we take we will be reporting the debt to Stubbs Gazette and no bank will be lending to him ever again. After that it is going to be a Revenue audit for him as he wasnt paying tax on my rental income for the 7 years I was there. He thought he was smart getting the heavies in to evict me and acting like he was above the law but the RTB saw through his lies at the two hearings and if he lets it go to the Circuit Court without paying up he will get short shrift from the judge there for breaching the Order from the RTB.

    Overall being evicted illegally was a horrible experience to have to go through but I have to say the RTB is a very professional and efficient service. The key to it is that you have to make sure you have all your paperwork in order and to hand. Photographs, emails, text messages and recorded conversations won me the case as they proved his defence was a pack of lies, without collecting and maintaining evidence it would have just been my word against his and it could have gone either way. The look on his face as the recorded conversation was played out loud was priceless, I gave him enough rope to hang himself and then the tape got played and his lies were exposed.


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  • Registered Users, Registered Users 2 Posts: 834 ✭✭✭GGTrek


    Lately I read all the RTB tribunal cases that are published (I hope for the best and prepare for the worst) and I must say that I disagree completely with the OP. Tribunal seems to be much fairer than single adjudicators (which in my experience, favoured by the informality of the hearing, do try to plead in favour of the tenant). A few adjudications were reversed this year by the Tribunal (especially cases appealed by big funds).

    OP case reminded me of this June case that was published very recently: https://www.rtb.ie/docs/default-source/tribunal-reports/tr0417-002289-dr-0117-31373-report.pdf?sfvrsn=0

    The appellant in this case was very obviously a licensee and quite a demanding and entitled one. It is unbelievable that a B&B owner has to loose (a lot of) time and money answering spurious claims because the entitled occupier of the B&B believes he has the right to stay in a B&B for as long as he wishes to stay and dictating terms to the owner, and used the whole RTB process as a revenge tool. This is exactly why property owners want out of the letting business. RTB adjudication fee is too cheap and occupiers have nothing to loose and everything to gain by taking a case to RTB. In my opinion the appeal fee should cover the tribunal cost and paid by the looser (like a proper court or even better appeal shoul be in a proper court where enforcement order is immediate), this will massively reduce the spurious claims and delays.


  • Registered Users, Registered Users 2 Posts: 7,223 ✭✭✭Michael D Not Higgins


    Muahahaha wrote: »
    Had a case with them a while ago of illegal eviction by a landlord.

    Congrats, sounds like a bad experience to go through but hopefully the threat of a real court will shake the landlord to his senses and he'll pay up.


  • Registered Users, Registered Users 2 Posts: 19,717 ✭✭✭✭Muahahaha


    Congrats, sounds like a bad experience to go through but hopefully the threat of a real court will shake the landlord to his senses and he'll pay up.

    Yeah I reckon he will pay before it gets to court, he is just dragging his feet on the matter. It was a pretty horrible situation, having heavies forcing themselves uninvited into your home was not the way I had imagined my Christmas holidays to go. Wouldnt mind but we had a good relationship up until that point, 7 years with no hassle going either direction and rent always paid on time. I felt like such a mug at the end of it. But at least justice is getting done for his behaviour towards me so it will end well and for me a large part of that is how efficient the RTB were in dealing with the case. If a tenant or a landlord breaks the law there is no messing with them, they are straight down the line from my experience. The trick is to have everything recorded as soon as you sense things are going down hill. Im glad I did that or else I would never have seen justice for what the landlord did.


  • Registered Users, Registered Users 2 Posts: 1,471 ✭✭✭Mrs Shuttleworth


    Muahahaha wrote: »
    Yeah I reckon he will pay before it gets to court, he is just dragging his feet on the matter. It was a pretty horrible situation, having heavies forcing themselves uninvited into your home was not the way I had imagined my Christmas holidays to go. Wouldnt mind but we had a good relationship up until that point, 7 years with no hassle going either direction and rent always paid on time. I felt like such a mug at the end of it. But at least justice is getting done for his behaviour towards me so it will end well and for me a large part of that is how efficient the RTB were in dealing with the case. If a tenant or a landlord breaks the law there is no messing with them, they are straight down the line from my experience. The trick is to have everything recorded as soon as you sense things are going down hill. Im glad I did that or else I would never have seen justice for what the landlord did.

    What you've scored is a pyrrhic victory. Good luck trying to enforce judgment. Personally I don't think you have a hope in hell. If he doesn't have the money and can show that, there is nothing a Circuit Court can force him to do. You'll get your judgment mortgage and nothing else.

    Your posts are an example of why there should be a register of tenants who initiate RTB proceedings. I must remind myself to ask this question of prospective tenants if I rent again.


  • Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    OP- I've merged your two threads.


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  • Registered Users, Registered Users 2 Posts: 1,059 ✭✭✭Brian201888


    What you've scored is a pyrrhic victory. Good luck trying to enforce judgment. Personally I don't think you have a hope in hell. If he doesn't have the money and can show that, there is nothing a Circuit Court can force him to do. You'll get your judgment mortgage and nothing else.

    Your posts are an example of why there should be a register of tenants who initiate RTB proceedings. I must remind myself to ask this question of prospective tenants if I rent again.

    Yeah god forbid you'd have a tenant who decides to pull you up on illegal behaviour


  • Moderators, Society & Culture Moderators Posts: 17,643 Mod ✭✭✭✭Graham


    What you've scored is a pyrrhic victory. Good luck trying to enforce judgment. Personally I don't think you have a hope in hell. If he doesn't have the money and can show that, there is nothing a Circuit Court can force him to do. You'll get your judgment mortgage and nothing else.

    I'd assume a landlord, i.e. someone that owns property, is going to be easier to take enforcement action against than somebody more transient.


  • Registered Users, Registered Users 2 Posts: 14,012 ✭✭✭✭Cuddlesworth


    Graham wrote: »
    I'd assume a landlord, i.e. someone that owns property, is going to be easier to take enforcement action against than somebody more transient.

    People get this idea in their head that you can't enforce judgements for money owed. You can, there is usually a cost/time factor that makes smaller judgements pointless to enforce. 6K from the RTB, **** thats worth following up.

    Any ideas if a lean on the house gathers interest?


  • Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Any ideas if a lean on the house gathers interest?

    Standard practice is to apply interest on any lien on terms on parr with prevailing Revenue Commission terms- which is currently 0.0274% per day or part thereof. This works out at an APR of 10%.


  • Registered Users, Registered Users 2 Posts: 19,717 ✭✭✭✭Muahahaha


    What you've scored is a pyrrhic victory. Good luck trying to enforce judgment. Personally I don't think you have a hope in hell. If he doesn't have the money and can show that, there is nothing a Circuit Court can force him to do. You'll get your judgment mortgage and nothing else.

    Your posts are an example of why there should be a register of tenants who initiate RTB proceedings. I must remind myself to ask this question of prospective tenants if I rent again.

    Oh wow, an apologist for the illegal behaviour of a landlord.

    You clearly know nothing about Circuit Court procedure either. Luckily I work in the legal game and know it very well. We have done our research on this landlord that evicted me illegally and he is very much a mark with lots of financial interests we can target under the law. And when that is sorted we will be making sure no bank will lend to him again and then following that up with reporting him to Revenue. I make no apology for that to a man who evicted me illegally during Christmas week. He is a scumbag but tried it on with a person who has the resources and knowledge of the legal system to take him on. I did that and the RTB found in my favour, fair play to them for seeing through his deception and lies at the Tribunal.


  • Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Guys- cop on.
    If you disagree with another post- refute the post- without attacking the poster. If you suspect you can't resist getting a dig in- just don't do it- it easy to remain civil- and if you don't- you will earn a card from moderators.

    Calm down- refute the post- and don't sink to the lowest common denominator.


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