Any Landlords / property experts or legal beagles in the house?

[Donnie]

So, hypothetically, if you had a nearly 21 year old daughter who had been renting for a couple of years and getting on with her busy life and all seemed fine, then you get a letter to your house with her friends name on it and think "that's odd".

then there's a phone call from said daughter where the whole house of cards falls down.

Seems shes been subletting a room in the current house she rents but is in the middle of a move to another house with said friend and because this friend needed references etc as she cant use the sublet address my daughter thought it was fine to use mine.

Now, it's been over 2 hours and Im still really really effing angry about this and about the fact she didn't think to discuss her plans etc with me and her mum beforehand.

So, I guess part of me is venting but Im wondering (even after a google search) about HOW much it affects me.

My main concern initially was the illegality of the sublet, it seems that yes she cant do it but its not social housing so the worst the landlord can do is evict?

But also, if this girls used my address to then use to get rented accomodation is this not fraud?
And surely this could have an impact on my credit score and my wifes etc?

Or am i being stupid?

 

[neil_g]

Presumably it's only a correspondence address? Can't see why either address would be an issue to be honest.

 

[JohnM100]

Was she renting the place on her own as sole tenant or with others?

Agree with Neil that would not worry if your address was given purely as correspondence address.

 

[Donnie]

She (my daughter) was renting with one other girl, then subletting to another, so 3 in the house when there should have been 2.

Address wise, they have done it so that when they bring references and proof of ID to the new landlord. So she's fraudulantly using my address to get the new tenancy with my daughter. So, I don't think it's a correspondance address only.

Additionally, there is now a record of her bank account to this address, i have no idea how that would affect credit ratings etc should she financially get into bother

 

[JohnM100]

It may be moot now if they are moving out but if the occupants have gone from 2 to 3 then the property could well have needed to have an HMO licence but if no-one has discussed with the landlord then he/she won’t know they need one (and the extra obligations that come with it). Some landlords limit to 2 tenants to avoid this.

As your daughters friend has changed the address on her ID / bank account to yours then that would get picked up by credit reference agencies. That’s beyond my area of knowledge and it’s impact on you (though its joint account that really tie the records together). I don’t know whether that could reach Letter of Financial Disassociation territory.

 

[Phil V]

I think you’re overreacting a bit.

This girl isn’t using your address for banking (at least not from the detail you’ve provided). And even if she did, it wouldn’t necessarily affect your credit rating.

Your daughter has helped a mate out, she bent a rule or two but she’s not a teenage pregnant junkie. She’s paid her rent, kept up with her bills and is moving up a step in property. Get some blummin perspective.

 

[frank]

Credit ratings only affect the person/'s not the address, if she was using your name unknowingly to you then it might be a different matter. What you need to be careful of that she doesn't name you as a guarantor without your knowledge,
I had this done to me by a relative many years ago, first I heard of it was when debt collectors arrived at my door. Fortunately I could prove I was out of the country at the time I was supposed to have signed the contract form, also the signature was nothing like mine.

 

[Donnie]

It may be moot now if they are moving out but if the occupants have gone from 2 to 3 then the property could well have needed to have an HMO licence but if no-one has discussed with the landlord then he/she won’t know they need one (and the extra obligations that come with it). Some landlords limit to 2 tenants to avoid this.

As your daughters friend has changed the address on her ID / bank account to yours then that would get picked up by credit reference agencies. That’s beyond my area of knowledge and it’s impact on you (though its joint account that really tie the records together). I don’t know whether that could reach Letter of Financial Disassociation territory.

She said that the previous house they were in was a HMO and this girl also lived there and thats why she couldn't use it for where they currently are, in which case I don't know how my daughter was able to either.

I think you’re overreacting a bit.

This girl isn’t using your address for banking (at least not from the detail you’ve provided). And even if she did, it wouldn’t necessarily affect your credit rating.

Your daughter has helped a mate out, she bent a rule or two but she’s not a teenage pregnant junkie. She’s paid her rent, kept up with her bills and is moving up a step in property. Get some blummin perspective.

Oooookay?

Credit ratings only affect the person/'s not the address, if she was using your name unknowingly to you then it might be a different matter. What you need to be careful of that she doesn't name you as a guarantor without your knowledge,
I had this done to me by a relative many years ago, first I heard of it was when debt collectors arrived at my door. Fortunately I could prove I was out of the country at the time I was supposed to have signed the contract form, also the signature was nothing like mine.

Not thought of the guarantor thing, I feel another discussion with my daughter coming on.

 

[nilagin]

Seems shes been subletting a room in the current house she rents but is in the middle of a move to another house with said friend and because this friend needed references etc as she cant use the sublet address my daughter thought it was fine to use mine.

What do you mean by etc? If it is as you say just a reference, I don't see any problems. She just needs a reference to say she has been a good tenant and paid her rent on time.
I can't see a problem with providing that. There isn't any comeback on you if she fails to pay etc once she has gained tenancy.

 

[neil_g]

She (my daughter) was renting with one other girl, then subletting to another, so 3 in the house when there should have been 2.

Address wise, they have done it so that when they bring references and proof of ID to the new landlord. So she's fraudulantly using my address to get the new tenancy with my daughter. So, I don't think it's a correspondance address only.

Additionally, there is now a record of her bank account to this address, i have no idea how that would affect credit ratings etc should she financially get into bother

Well you're not going to give her references so still don't see how that works.

 

[Donnie]

What do you mean by etc? If it is as you say just a reference, I don't see any problems. She just needs a reference to say she has been a good tenant and paid her rent on time.
I can't see a problem with providing that. There isn't any comeback on you if she fails to pay etc once she has gained tenancy.

Why would I provide a reference for her friend thats been subletting a room in my daughters rented accomodation? THATs the issue, it's not about giving my daughter a reference

Well you're not going to give her references so still don't see how that works.

Nor am i sure but I still don't like the fact it has happened.

 

[Tigger.ufo]

What address has this girl been using for correspondence?

I think you need to have a calm conversation with your (mostly?} sensible daughter and get the facts.

 

[Box Brownie]

What address has this girl been using for correspondence?

I think you need to have a calm conversation with your (mostly?} sensible daughter and get the facts.

Shouldn't Paul also find out the full scope of the usage, by the daughters flatmate, of his & his wife's address................there are enough public interest/fly on the wall programmes about misuse of HMO and subletting to worry the average person. He does not want anything coming home to roost 'out of the blue'???

It is a given that he wants his daughter to know just what a can of worms her flatmate might have opened and hopefully the daughter will be on-board with making sure there is never any repercussions on her parents because of her act of friendship!

 

[nilagin]

The only problem I can see is the daughter and friend didn't ask if it was ok if a reference could be provided first. The rest is just a load of what ifs.

 

[Donnie]

The only problem I can see is the daughter and friend didn't ask if it was ok if a reference could be provided first. The rest is just a load of what ifs.

I did say in my initial post "So, I guess part of me is venting but Im wondering (even after a google search) about HOW much it affects me."

That said, Im assuming she's used my address for a reference to get onto the rental agreement of the new place but don't know the scope of usage as alluded to by @Box Brownie says.

 

[nilagin]

I did say in my initial post "So, I guess part of me is venting but Im wondering (even after a google search) about HOW much it affects me."

That said, Im assuming she's used my address for a reference to get onto the rental agreement of the new place but don't know the scope of usage as alluded to by @Box Brownie says.

As you have only had the one letter, I would say there hasn't been any other usage. Ask the woman, you will know more then.