Lawyer, politician and seventeenth Prime Minister of Canada, John Napier Wyndham Turner once said, “Substantive and procedural law benefits and protects landlords over tenants, creditors over debtors, lenders over borrowers...” and, as a victim of the financial crisis, I know each and every word of this statement to be true.
Over the past five years I have been told,
- Creditors who hound are not bound by their regularity codes of conduct because these are only guidelines
- Requests made by he Financial Ombudsman Service of lenders under investigation are not binding and therefore they are not obliged to comply
- Regardless of the terms laid out in the Housing Act for the treatment and rights of tenants, my landlord holds all the cards because, at any point after the first six months of my assured short hold tenancy, he can give me two months notice to quit.
- I have also been told by both our local police and my solicitor that if my seventy five year old landlord ever enters my rented home uninvited and physically attacks my husband again, we will be well within our rights to bring a case against him for harassment and common assault,