Boards.ie uses cookies. By continuing to browse this site you are agreeing to our use of cookies. Click here to find out more x
Post Reply  
 
 
Thread Tools Search this Thread
17-11-2019, 20:28   #1
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
Who owns this house?

Hi, hoping someone can help.
Currently renting a house and have given notice to move out this wk, need a bigger house. So I’m in the middle of moving my stuff to new house and as I was there yesterday I met the previous tenants who were collecting their stuff. As they were leaving one of them said to me, “I hope u are not planning on staying here long term, I do know Nama own this house and it’s only a matter of time before they’ll be knocking on your door.
Ok long story short, the owner of this house had two other houses taken off him about 8 yrs ago. He has since died so his wife renting this house to me.
I’m very confused. Is it possible she could continue renting a house that was repossessed?
The husband’s name is still on the deeds coz I have viewed the folio online.
Surely if Nama take a house off u then they would take your name off the deeds??
I’m now afraid that maybe this is true and I’ve already lost my old house.
I thought about ringing the ‘owner’ of this house and asking her is it possible that his is true, but I’m afraid she will flip over such an accusation and I’ll be left with no house.
I’ve checked the Nama website but this house isn’t listed.
Also there is a mention of a judgement mortgage on the folio, I just don’t know what that means.
Surely it’s illegal to rent a house that Nama have taken?
Shirley101 is offline  
Advertisement
18-11-2019, 20:02   #2
Blacktie.
Registered User
 
Blacktie.'s Avatar
 
Join Date: Jan 2007
Posts: 2,805
I wouldn't pay any mind to what the previous tenants say.
Blacktie. is online now  
18-11-2019, 20:08   #3
Darc19
Registered User
 
Darc19's Avatar
 
Join Date: Jun 2019
Posts: 437
How could it be illegal?

I assume you have a lease. That's your legal protection

Previous tenants may have a gripe. Ignore them.

Even if Nama has a judgment mortgage, it simply means that if the house is sold, they get first dibs on the money.

Many houses from the boom will have judgement mortgages, it protects the finance company and in most cases the owners are paying a rescheduled payment plan.
Darc19 is offline  
18-11-2019, 22:49   #4
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
Thanks for yer replies, the previous tenant did seem a bit bitter about something alright.
I don’t have a lease, the owner doesn’t want contracts or anything, she’s a neighbor of mine, dunno maybe I should have insisted
Shirley101 is offline  
18-11-2019, 23:40   #5
the_syco
Registered User
 
the_syco's Avatar
 
Join Date: Jun 2001
Posts: 35,012
Quote:
Originally Posted by Shirley101 View Post
Thanks for yer replies, the previous tenant did seem a bit bitter about something alright.
I don’t have a lease, the owner doesn’t want contracts or anything, she’s a neighbor of mine, dunno maybe I should have insisted
Did you pay the deposit & rent via the bank, or do you give cash directly to the owner?
the_syco is offline  
Advertisement
19-11-2019, 06:55   #6
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
She didn’t want a deposit and it’s cash only
Shirley101 is offline  
19-11-2019, 07:07   #7
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
Quote:
Originally Posted by Shirley101 View Post
She didn’t want a deposit and it’s cash only
The folio also states that the property is subject to the provisions prohibiting letting and subletting as outlined in section 12....
Shirley101 is offline  
19-11-2019, 07:26   #8
Phoebas
Registered User
 
Phoebas's Avatar
 
Join Date: Mar 2013
Posts: 8,361
You don't have a tenancy agreement and you're paying cash and you're wondering if there might be something not legal going on.

Yes.
Phoebas is offline  
19-11-2019, 09:00   #9
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
I know....I’m not too bothered about paying cash, that’s what a lot of people do now, legal or not.
I just don’t want to find myself in a situation whereby I’ve a wk to get out and find another house.
Shirley101 is offline  
Advertisement
19-11-2019, 09:05   #10
Phoebas
Registered User
 
Phoebas's Avatar
 
Join Date: Mar 2013
Posts: 8,361
Quote:
Originally Posted by Shirley101 View Post
I know....I’m not too bothered about paying cash, that’s what a lot of people do now, legal or not.
I just don’t want to find myself in a situation whereby I’ve a wk to get out and find another house.
The protections that you lose by not having an above board tenancy arrangement put you directly in the situation that you don't want to find yourself in.
Phoebas is offline  
19-11-2019, 09:08   #11
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
Yes you’re right, I better go get myself a contract
Shirley101 is offline  
19-11-2019, 09:09   #12
guyfo
Registered User
 
Join Date: Dec 2007
Posts: 239
Quote:
Originally Posted by Shirley101 View Post
I know....I’m not too bothered about paying cash, that’s what a lot of people do now, legal or not.
I just don’t want to find myself in a situation whereby I’ve a wk to get out and find another house.
If you don't want that situation why on earth would you hand over cash for an obviously dodgy deal with no lease or any type of paperwork to back yourself up? Why not go through daft.ie and find a legit rental?
guyfo is offline  
19-11-2019, 09:14   #13
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
Very little to rent here that’s why, I have other circumstances with kids etc which mean I can’t go too far
Shirley101 is offline  
19-11-2019, 09:15   #14
Shirley101
Registered User
 
Shirley101's Avatar
 
Join Date: Nov 2019
Posts: 11
I’m just not sure if Nama or the likes can put me out with no notice? I’m not even sure why someone would rent a house that they are prohibited from doing so.
Shirley101 is offline  
19-11-2019, 09:24   #15
Steer55
Registered User
 
Steer55's Avatar
 
Join Date: Mar 2017
Posts: 96
Even if he has no lease, i think hes still protected by the ptrb. The landlord is in the wrong here.
Steer55 is offline  
Post Reply

Quick Reply
Message:
Remove Text Formatting
Bold
Italic
Underline

Insert Image
Wrap [QUOTE] tags around selected text
 
Decrease Size
Increase Size
Please sign up or log in to join the discussion

Thread Tools Search this Thread
Search this Thread:

Advanced Search



Share Tweet