Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi all! We have been experiencing an issue on site where threads have been missing the latest postings. The platform host Vanilla are working on this issue. A workaround that has been used by some is to navigate back from 1 to 10+ pages to re-sync the thread and this will then show the latest posts. Thanks, Mike.
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

How to approach tenancy not registered

2»

Comments

  • #52
    amcalester
    Closed Accounts Posts: 4,121 ✭✭✭amcalester


    Old diesel wrote: »
    In relation to my post the Student quoted the point I would like to make is this.....

    IF a tenant whether it's the OP or any other tenant - hits a financial problem - how do you address any issues with paying the rent with the landlord as early as possible and in as honest and helpful way as possible.

    I was hoping people might have picked up on the possibility that paying rent might be a struggle without the loan restructure and thus.....

    1) suggested how you might explain to the landlord how you have a temporary financial situation due to the OH being ill and that this loan restructure means the rent is easier to pay.*

    2) or in general how you might address a sudden difficulty you might have in paying the rent with the landlord as early as possible with honesty, integrity and trying to avoid being a bad person to the landlord.

    The Op doesn’t have difficulties paying rent though, it’s the loan that they’re having issues with.

    A loan can be restructured, rent is a fixed necessary cost and should be prioritized over a loan payment.


  • #53
    Old diesel
    Registered Users, Registered Users 2 Posts: 5,821 ✭✭✭Old diesel


    amcalester wrote: »
    Old diesel wrote: »
    In relation to my post the Student quoted the point I would like to make is this.....

    IF a tenant whether it's the OP or any other tenant - hits a financial problem - how do you address any issues with paying the rent with the landlord as early as possible and in as honest and helpful way as possible.

    I was hoping people might have picked up on the possibility that paying rent might be a struggle without the loan restructure and thus.....

    1) suggested how you might explain to the landlord how you have a temporary financial situation due to the OH being ill and that this loan restructure means the rent is easier to pay.*

    2) or in general how you might address a sudden difficulty you might have in paying the rent with the landlord as early as possible with honesty, integrity and trying to avoid being a bad person to the landlord.

    The Op doesn’t have difficulties paying rent though, it’s the loan that they’re having issues with.

    A loan can be restructured, rent is a fixed necessary cost and should be prioritized over a loan payment.

    He needed the landlords confirmation that he rents the place in order for the loan to be restructured.

    The inability to restructure the loan creates the potential difficulty of trying to pay BOTH rent and the loan.


  • #54
    amcalester
    Closed Accounts Posts: 4,121 ✭✭✭amcalester


    Old diesel wrote: »
    He needed the landlords confirmation that he rents the place in order for the loan to be restructured.

    The inability to restructure the loan creates the potential difficulty of trying to pay BOTH rent and the loan.

    It doesn’t though. The rent is the same regardless so either he can afford the rent and the full loan, reduced loan or no loan at all. Either way the rent is the same.

    Anyway, some practical advise to the Op, make out a statement of means with incomings and outgoings and write a letter explaining your situation and what you can afford and how long you want the loan restricted. Just make sure it’s reasonable and realistic.

    The bank will respond accordingly, you’ve probably just met a “computer says no” situation.


  • #55
    Browney7
    Registered Users, Registered Users 2 Posts: 3,100 ✭✭✭Browney7


    This thread is both miserable and depressing in equal measure.


  • #56
    The Student
    Registered Users, Registered Users 2 Posts: 1,279 ✭✭✭The Student


    Del2005 wrote: »
    The OPs financial position is not the landlords problem. If they can't pay rent then the landlord is entitled to issue eviction notices, everyone keeps saying that they want professional landlords and that's how professional landlords operate.

    People should have a rainy day fund or income protection insurance for emergencies.

    I would have to agree with this. People have cried out for professional landlords, I would expect if this request was made to one of the institutional landlords there would be a charge involved.

    Banks/Insurance companies etc charge admin fees all the time.

    Perhaps if the tenant offered to pay the landlord for the documentation then the landlord may oblige.


  • #57
    Old diesel
    Registered Users, Registered Users 2 Posts: 5,821 ✭✭✭Old diesel


    The Student wrote: »
    Del2005 wrote: »
    The OPs financial position is not the landlords problem. If they can't pay rent then the landlord is entitled to issue eviction notices, everyone keeps saying that they want professional landlords and that's how professional landlords operate.

    People should have a rainy day fund or income protection insurance for emergencies.

    I would have to agree with this. People have cried out for professional landlords, I would expect if this request was made to one of the institutional landlords there would be a charge involved.

    Banks/Insurance companies etc charge admin fees all the time.

    Perhaps if the tenant offered to pay the landlord for the documentation then the landlord may oblige.

    The "I'm not going to confirm that you live here and that you pay x amount - because well we just don't do that kind of thing"

    Is an example of why rightly or wrongly people wanted professional landlords.

    This landlord has just said no flat out - no mention of yes I can do that but I will need a 50 quid admin fee for it.


  • #58
    The Student
    Registered Users, Registered Users 2 Posts: 1,279 ✭✭✭The Student


    Old diesel wrote: »
    The "I'm not going to confirm that you live here and that you pay x amount - because well we just don't do that kind of thing"

    Is an example of why rightly or wrongly people wanted professional landlords.

    This landlord has just said no flat out - no mention of yes I can do that but I will need a 50 quid admin fee for it.

    That's his prerogative if he does not want to do it then he should not be forced to. People may not like that but I would have an issue with anybody being forced to do something as simple as this if they don't want to for whatever reason.


Advertisement