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  • Buy-to-Let

    Tenant has abandoned hire purchase cars

    Hello Tribe

    I have tenant who has defaulted on rent for the last couple of months.

    In addition, they have couple of cars which I was told were bought on higher purchase and lying on driveway as they can't afford to pay the tax and insurance.  To make things more complicated, the lead tenant has ran away to avoid debt and I am only left with wife with 4 kids and she does not know much about things.

    I am planning to contact DVLA to clear the cars as a starting point and establish who are lenders / owners.

    I will appreciate any other thoughts you may have to  clear these vehicles that will be appreciated from.your experience.

    Cheers

    MB

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    Forgive me, but I am struggling to why you are getting involved in this?  It is the tenant's problem, and you are not responsible for their cars or that they are not paying their obligations - other than of course to yourself in respect of rent.

    The hire purchase company will soon come and collect them.

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    I am afraid, if the tenant leaves. She may left these as she does not know how to deal with them. I take your point that HP company will come to collect their car.

    To avoid, getting stuck I am asking the tenant to sort this out before she goes..

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    I'm going to assume that the wife is the other joint tenant ?

    ...if so tenant is still in occupation - tenant's possessions (or via HP) is T's problem.

    Would be a different story if you'd evicted them and the cars were still there.

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    DISCLAIMER just my personal opinion - for legal advice consult a qualified professional grown-up.

    Stick to the facts, issue notice and pursue the debt.  Commercially, longer you leave it the more expensive it gets or if you are charitable come to terms with the remaining tenant and work through their crisis period.

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    Start the eviction process now, once she goes to the Council or CAB or Shelter it will take long enough anyway. The average time to evict in London is 42 weeks. And god help you if she is eligible for Universal Credit and you get dragged into dealing with those hopeless clowns, she could end up being a problem for years.

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