My Tenants Have Split Up From Their Stupid Relationship

The Break Up

My tenants have only gone and split up, ain’t they? Why do bad things always happen to me? That’s what I want to F’ing know!!!

So, I was meant to receive a scheduled standing order from one of my tenant’s yesterday. As usual, I logged into my online account to check if payment had been made. Of course, I was left short, and there was no sign of the transaction. Once again, I’ll probably have to mug an old lady to put food on the table this month.

I frantically sent my tenant a text-message saying that rent hadn’t gone through as it usually does, and enquired whether there was problem (there obviously was). He notified me that he had split up with his girlfriend, and it was from her account that the rent used to go out from. He said he would drop the money off to me in cash. But seriously, THANKS FOR LETTING ME KNOW IN ADVANCE, DOUCHE-BAG!

I replied saying fine, and also gave my condolences. Oddly enough, his response was, “Don’t be sorry, I couldn’t be happier”.

At that point, I was tempted to ask what happened, but I managed to refrain from my nosey and inappropriate traits from being unleashed. Damn my disciplined side. I really want to know. I don’t remember much of his girlfriend, only that “I would” because she had nice tits.

On a side note, what is it with today’s generation? They don’t know shit about what it takes to make a relationship work, and consequently the only person left hurting is ALWAYS the poor landlord! I bet they broke up over some dumb real dumb shit as well. I remember reading about ‘back in the day’ when men were allowed to cheat at least five times before even separation was an option. That’s probably when “commitment” actually existed.

Anyways, there are a few alarm bells ringing right now. I’m left in a bit of a vulnerable position. I’m pretty sure the guy doesn’t earn enough on his own to “comfortably” afford the rent on his own. I mean, he probably earns enough to be able to pay it, but with bills on top, and the cost of general living, he’ll probably find it a little tough. I’m not entirely sure what the situation is. She may even pay her half until the tenancy ends its term. The Tenancy Agreement is under his name, his partner was just an “authorised occupier”, so I don’t need to update the contract, which is one good thing.

There’s about 6 months left on the tenancy, and up until now, they’ve collectively been good tenants. Obviously, I have no basis to judge how he is as an individual tenant. He’s always been my main point of contact, and he’s always been spot on. But the tide tends to turn when hearts get broken, and when the powers of freedom runs through the veins. Dangerous combination.

He could go through a mid-life crisis and start throwing wild parties and/or returning home with dirty club-skanks. Granted, I wouldn’t blame him, we’ve all been through that phase. And some of us have been stuck in that phase for the past 10 years. Guilty.

Either way, it’s not ideal for the landlord because not only am I left in a high-risk situation, but the odds of him continuing the tenancy after the fixed terms are unlikely, consequently I’ll soon enough need to find new tenants. I just hope he moves on quickly and drags in any old tart to be his new room mate. That would be ideal, as long as she the means to pay the bills and doesn’t leave chlamydia all over the gaff.

On a more positive note, there is a Guarantor in place, which happens to be his dad. I’m wondering if it’s worth spending £100 on rental loss insurance. I’m thinking it is.

Right, well that’s my story for today.

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7 Comments- Join The Conversation...

Guest Avatar
jeffo 13th November, 2010 @ 20:36

Paid for rent loss insurance and then read the small print. It was barely worth the cost. They wont pay a penny for the 1st month and dont seem to want to pay more than the next two after that. Needless to say I will double check before I pay up next time. You cant ask questions about something you have not experienced before as you just wouldnt expect it not to pay up.

1
The Landlord Avatar
The Landlord 15th November, 2010 @ 10:57

Hey Jeffo,

That's interesting. Which insurance company did you use? I've used HomeLet in the past and they paid out when my DSS tenant fell 2 months in arrears. There was a excess charge, which was a bit annoying. But it could have been a lot worse.

Cheers

2
Guest Avatar
Jools 17th November, 2010 @ 14:01

Hey Landlord - have you moved in on the girlfriend and given her one yet? LOL

Jools

3
Guest Avatar
jeffo 19th November, 2010 @ 22:13

My crap policy is, wait for it, Halifax!

4
The Landlord Avatar
The Landlord 24th November, 2010 @ 08:39

@Jools
I was actually thinking about adding her on Facebook. But I was going to leave it for a month, just so it's not too obvious I was trying to pick up my tenant's leftovers hah!

@Jeffo
I've never had any experience with Halifax rental insurance- I wasn't even aware they offered it. But thanks for the warning, I know to stay clear :)

It's probably better to get rental insurance with companies that actually specialise specifically with BTL/Landlord insurance e.g. Homelet!

5
Guest Avatar
jools 24th November, 2010 @ 18:23

You are a true gentleman did you know that!!!

Jools

PS - is she a minger?

6
The Landlord Avatar
The Landlord 24th November, 2010 @ 20:42

Hmm she's not the best, but her large breasts make her do'able!

7

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