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Their Housing Benefit entitlement has changed because of a change in their circumstances, this has happened a number of times during the let and because they were friends we accepted the reduced amount as long as we could afford to make up the shortfall. The latest change in payment meant there was no payment for 2 months and then a vastly reduced amount which has left us struggling to pay the mortgage on the property. when I contacted them to explain that we could no longer afford to accept the payments the response was hostile and I am concerned that I have left myself in a difficult position as we never had a formal let. I now think we will have to sell the property and need to know what we have to do make this possible.
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Thank you for getting back to me, appreciate not having to wait 'till tomorrow. If my tenant pays the shortfall from now on and tries to clear the arrears I think I might still have to sell the house at some point so should I ask her to sign a tenancy agreement now in order to be able to end it when I need to and will I be able to without having to default on the mortgage? I really don't want that to happen but as the rent even paid in full does not cover the mortgage I might not be able to sustain it without incurring debt in the process. What started as a favour to a friend has left me in a bit of a mess and as she is no longer being very friendly would her refusal to sign an agreement help my case?
Thanks again, I have a clearer idea of where I stand now. Never set out to be a landlord just tried to help a friend out, lesson learned!