I signed for a letter addressed to the owner or occupier of my flat. I opened it to find notification that the bank are going to re-possess the flat due to non-payment by who I can only assume is the landlord. The letter advises us to contact the sender and also seek legal advice ourselves.
We deal with a letting agency so I sent them a copy of the letter. Letting agent has advised that they have forwarded the bank’s lawyer our tenancy agreement as proof I am the occupier and stressed that we must continue to pay rent.
A quick googling suggests that the bank may agree that we can stay on and rent from them or may just re-apply to have the property repossessed anyway.
What are the rights of the tenant in this situation? Are there any useful links I can look at? Should I contact the bank’s representation myself as I don’t trust the letting agent with this simple task? Do I need a lawyer myself?
Any thoughts, advice or similar experiences welcomed.