Mar 25th, 2012, 15:28 | 只看该作者 #28 | |
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2. Does the Bank know and allow you rent out the Condo? It yes, it is fine to go ahead; if not, the Bank can sue you further for it. It is called "breach of covenant" in law. Then my recommendition is "that is it". |
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Mar 25th, 2012, 15:31 | 只看该作者 #29 | |
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Check to see if Bank has paid the penalty for you. If yes, then there is nothing you can do with Condo. If the Bank has not paid it, then let the Bank know immediately you will pay Condo directly and then try it with Condo. |
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Mar 25th, 2012, 15:37 | 只看该作者 #30 | |
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但是强调一点, 你可以做以上的条件是,银行知道并允许你把房子出租。 |
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感谢 成事在天 此篇文章之用户: |
红姐 (Mar 25th, 2012) |
Mar 25th, 2012, 16:29 | 只看该作者 #34 |
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Great! now you may want to go ahead to do the followings: 1. Ask Condo for evidence that they informed you of this matter, that is, all the copies of letters they sent to you. Check if they were sent by registered mail; 2. See if Bank has paid all the penalties for you; if not, then tell them you will pay it directly to the Condo, to avoid the Bank charge you administration fee for paying that for you; 3. Ask for the breakdown of $8,000.00 Good luck! 此帖于 Mar 25th, 2012 16:50 被 成事在天 编辑。 |
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Mar 25th, 2012, 16:51 | 只看该作者 #35 | |
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1,赶紧联系银行去看看已经付出了没有(很可能已经付掉了,因为加了在贷款总额上)。告诉他们我不同意,(但是如果有那样的贷款协议我也没办法)。最好取消转账。跟他们说明我会自己去处理。 2,要求管理公司提供通知的复印件,这样可以看到利息及律师费的具体数额,要求他们提供具体的break dowm.如果他们接听电话还是那个态度我就发email.如果利息合理,我也就只要求取消律师费和罚款(如果有)。 3,找到他们不是用register发通知的证据。我觉得最可能是他们把通知直接放信箱了。 4,不知道我是否是对的:这件事应该是管理公司具体操作,业主委员会才是决定者。所以我发email 都应该forward一份给业委会,因为业委会已经决定要换管理公司。 |
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Mar 25th, 2012, 18:10 | 只看该作者 #36 | |
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okay, it is no harm to have a try... If they ask you to contact their solicitor/lawyer, ask them the contact info. and call the law firm to request copies of all the notices they sent to you, no matter what address they sent out. Find out if you have to deal with Condo's lawyer? I double it will be the Bank's lawyer. Take care and good luck! |
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感谢 成事在天 此篇文章之用户: |
红姐 (Mar 26th, 2012) |
Mar 25th, 2012, 23:43 | 只看该作者 #39 |
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今天去租客处拿到最近的和这事有关的信件,租客同意做证人这些信件是今天才收到的,按时间依次为 1,"reminder notice,"by management,told my out standing balance is overdue. 2,by government of Alberta land title, "caveat forbidding registration"说”claim an interest for the unpaid condo fees" 3,"without prejudice," said $446.25 is added for the cost of caveat(什么意思?)by management too.附有几个复印件,看不懂,certified copy of certificate title, 以及encumbrances, liens&interests. 4.律师信,“condo fee arrears and legal charges($418.95).(total around $8000)said if I not paid by March 19, we are instructed to commence foreclosure. the cost will be $10000. 看了数字,这时候的总数就是银行mortgage 多出来的部分。3月20,银行扣了这笔钱,我22日发现。 请教,有很多法律的书面语言也真是难懂,不知道在银行已经支付的情况下我还能做些什么。有什么后遗症?应该不会再foreclosure?那个caveat是什么意思?关land title 什么事? |
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Mar 26th, 2012, 00:03 | 只看该作者 #40 | |
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我相信在这批信件之前,他们还寄过很多次的信件, 而你的房客没有交给你。现在,银行帮你把钱付了, 你可以拿收据去land title要求他们把caveat 移除。 从这个信件看来,银行可能是因为你的房子将被强行foreclosure的危机,才在未通知你的情况下把钱先付了。(我们华人英文不好在这方面真的吃很大的亏,我建议你打给当时帮你买方的经纪或是律师去帮你把这件事解释一下) 劝告买condo 出租的投资人,还是要关心每次开会的会议记录,因为管理公司在做这些动作以前,肯定在会议记录里通知和提醒很多次,才执行法律动作的。 |
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感谢 Niyama 此篇文章之用户: |
红姐 (Mar 26th, 2012) |