Possession proceedings – Seminar – 28th October 2008 1. Introduction - These notes are intended to assist volunteers of Law Works who are giving pro bono advice on housing law. It is aimed at people with little or no experience of the subject. It is hoped they will enable you to identify a specific area and provide basic advice to clients. It deals first with basic housing law and the major change which took place on 15/1/89 with the coming into force of the Housing Act 1988, as a basis for dealing with possession proceedings, mainly involving tenants. It deals briefly with mortgage possession proceedings. The seminar is intended to last for 1 hour. 2. Overview – stages of possession and eviction 3. Status of occupancy 4. Types of Tenancy 5. Determining Status 6. What types of queries you might have to deal with? What to do? What to advise? 7. I have received a letter from my landlord to say I am being evicted. What can I do? 8. I have left (am going to leave) my private rented accommodation and my landlord will not give me back my deposit. What can I do? 9. Possession proceedings 10. Overview 11. Types of queries you are likely to meet 12. what to do 13. what to advise Part I - Status 1. Status of occupant – 4 possibilities i. no landlord and does not own the property trespasser ii. 4 qualities of a tenancy present a) identifiable parties - a landlord and a tenant b) identifiable premises – could be a single room or acres of land c) period of tenancy – e.g. weekly/monthly d) exclusive possession – conveys use of the property to the exclusion of all others (Street v Mountford 1985) tenant iii. any quality missing licensee, e.g. no payment iv. no landlord and owns the property mortgagor/owner occupier 1 2. Trespasser/Licensee/Mortgagor – concerned today mainly with tenants. However, there are similar procedures for obtaining possession from other occupants. Generally speaking, it will be necessary for someone with better title to obtain a court order if the matter is being resisted. Ending Occupation i. Trespasser owner may still need to apply to court for an order due to potential criminal liability. Need only prove title and intention to regain possession (s6 Criminal Law Act 77 – makes it an offence for any person to use or threaten violence against people or property to gain entry, if the person knows there is someone on the premises at the time of the proposed entry, opposed to the entry). Speedy procedure for an IPO (interim possession order –entry without consent). Can obtain a possession order after 3 days. Adverse possession Limitation Act defence, 12 years, rarer. Reform must register claim on land register ii. Former tenant or licensee serve reasonable notice of termination of licence. Licensor may still need to apply to court for an order due to potential criminal liability (s6CLA 77/ s3 of the Protection from Eviction Act - PEA 77 – former tenants entitled to stay in occupation until a court order made, save “excluded” tenants) iii. Mortgagor lender has immediate legal right to possession of mortgaged property. Court has limited inherent and statutory power to stop lender obtaining possession or delay possession. Court will only exercise discretion to suspend an order for possession if satisfied any arrears can be cleared within a reasonable period of time (Administration of Justice Act 1970, s36) Part II – Types of tenancies and determination of tenancies 3. Tenancy. Largely covered by statute. Two important questions i. Who is your landlord? The answer is likely to tell you which statute covers the tenancy ii. When did you move into the property? The answer is likely to help you determine what type of tenancy is involved. 4. Who is your landlord? For our purposes, there are 2 answers to this question i. Landlord is a council landlord public sector tenancy, covered by the Housing Act 1998 and/or the Housing Act 1996 2 ii. Landlord is a private landlord private sector tenancy, covered by the Housing Act 1988, the Housing Act 1996 or the Rent Act 1977. 5. When did you move in? Important dates i. Public sector landlord – before 1997 - definitely a secure tenant. After 1997, likely to be secure tenant, but might be introductory tenant. ii. Private sector occupants – before 15/1/1989, Rent Act protected tenant or statutory tenant. After 15/1/1989, but before 28/2/1997 – tenancy likely to be assured. Tenancy will be assured shorthold, if and only if notice served before commencement of the tenancy, to confirm that tenancy is assured shorthold tenant. Due to landlord`s difficulty, provision changed on 28/2/1997, by the Housing Act 1996. After 28/2/1997, tenancy likely to be assured shorthold. Tenancy will be assured, if and only if notice served before commencement of the tenancy, to confirm that tenancy is assured. 6. Types of tenancyi. Public sector tenancies a. Secure council tenancy – property let as a separate dwelling under a tenancy or licence, where one party is an individual and the other is a local authority. It affords good protection for the tenant as secure tenancy can only be terminated by possession order made by the court. Generally, the court will make such an order if and only if satisfied it is reasonable in all the circumstances to make a possession order. A secure tenancy depends on occupation. At the point at which occupation ceases permanently, the secure tenancy ends. Note also exceptions to secure tenancy status, set out in Sch. 1, 1985 Act) b. Introductory tenancy – probationary tenancy for 12 months at the end of which it can become a secure tenancy. Excluded from being an introductory tenancy, if immediately, before tenancy granted, it was a secure tenancy. Council must take steps to set up an introductory tenancy regime for all new tenancies. If system is not set up, there can be no introductory tenancy. The idea of an introductory tenancy is if tenant breaches the probation, there is a right of review of the decision by the council. The tenant has 14 days in which to request the review. During the probation, council can terminate tenancy. It can go on to obtain a possession order. Generally, court must make a possession order, provided the court is satisfied that a valid notice has been served. In the event that the tenant disputes the review and the review procedures, these may be challenged by way of Judicial Review. 3 ii. Private Sector tenancies a. Rent Act protected tenancy –Becoming increasingly rare, as no new Rent Act tenancies created after 15/1/1989 (nearly 17 years ago). As with secure tenancy, it is property let as a separate dwelling, before 15/1/89. Once occupation permanently ceases, the protected tenancy ceases. There is a list of exclusions, set out in ss5-12 – the main one of which is a Resident landlord, that is, where the landlord lives in the same building. Upon termination of the protected (contractual) tenancy, a statutory tenancy arises on the same terms and conditions at the contractual tenancy. It is the statutory tenancy which requires possession proceedings to end it. b. Assured tenancy – after 15/1/1989. Again, defined as property let as a separate dwelling. There is again a list of exclusions which are rare in practice, set out in Sch. 1 of the 1988 Act. The main one is the resident landlord. As with secure and protected tenancies, it depends on occupation. Reasonable protection for tenant, as landlord must generally prove tenant has done something wrong to obtain possession, e.g. failed to pay rent. c. Assured shorthold tenancy – this is a form of assured tenancy, which affords very little protection. It must be for a period not less than 6 months and generally the tenant has safeguards against termination in that time. Thereafter, a landlord can serve notice of termination of the tenancy by giving 2 months notice in prescribed form, i.e., there need be no fault on the part of the tenant. Are Proceedings necessary? • Protection of Eviction Act 1977 – there are criminal offences that a person may commit Section 1 • S1 Unlawful harassment and eviction • S1 (2)– if any person unlawfully the residential occupier of premises or attempts to do so guilty of an offence, unless he reasonably believed the person had ceased to occupy 4 • S1(3) – if any person with intent to cause the residential occupier (RO) to give up occupation or refrain from exercising any right in respect of the property ; does any act likely to interfere with the peace and comfort of the RO or his/her household or persistently withdraws or withholds services reasonably required for the occupation of the premises guilty of an offence Section 2 • Restriction on re-entry without due process of law • Where any premises are let as a dwelling on a lease which is subject to a right of reentry or forfeiture it shall not be lawful to enforce that right otherwise than by proceedings in the court while any person is lawfully residing in the premises or part of them. Section 3 • S3 – prohibition of eviction without due process of law • premises let as a dwelling under a tenancy which is neither a statutorily tenancy nor an excluded tenancy and • Tenancy has come to an end • The occupier continues to reside • It is unlawful to enforce without a court proceedings Section 3A – excluded tenancies and licences • under its terms the occupier shares any accommodation with the landlord or licensor (or a member of his/her family); and • (b) immediately before the tenancy or licence was granted and also at the time it comes to an end, the landlord or licensor occupied as his only or principal home premises of which the whole or part of the shared accommodation formed part. Section 4 • agricultural workers Section 5 • S5 below no notice by a landlord or a tenant to quit any premises let (whether before or after the commencement of this Act) as a dwelling shall be valid unless • (a) it is in writing and contains such information as may be prescribed, and • (b) it is given not less than four weeks before the date on which it is to take effect. • This does not apply to an excluded licence or tenancy 5 Part III – Proceedings for Possession 7. Background – all the above types of tenancy are protected by statute. The statute sets out the procedure to be followed in order for a landlord to recover possession. The procedure is contained in CPR 55 Civil Practice Rules and in the County Court Rules, Order 26, rule 17 (warrants). Note also CPR 39.3 – deals with applications to set aside (cancel) a possession order, where it is made in the absence of a tenant. Where tenant is present, order can only be challenged by way of appeal (CPR 52). 8. Possession Procedure – 2 important steps for a landlord to take i. Notice – termination of contractual tenancy - the landlord must serve a notice to show that s/he regards the common law (contractual) tenancy as terminated. Once the contractual tenancy is ended, statute then provides for a statutory tenancy to take the place of the contractual tenancy on broadly the same terms. It is the statutory tenancy that requires possession proceedings to terminate it, i.e. ended only by court order. ii. Ground for possession - In order for the court to make a possession order, the landlord must prove to the court a ground for possession. iii. the type of notice and the grounds of possession is set out in the relevant statute. Statutory protection and security of tenure is marked by the need to serve notice of end of tenancy, state a ground for possession and obtain a court order. 6 9. Notices – termination of tenancy at common law i. Secure tenancy Notice of Seeking Possession – prescribed form giving at least 28 days notice. ii. Introductory tenancy Notice of Proceedings for Possession, prescribed form giving 14 days to request a review iii. Assured (or shorthold) tenancy Notice of Seeking Possession, prescribed form giving notice of between 2 weeks and 2 months, depending no ground for possession iv. Rent Act protected tenancy Notice to Quit, prescribed form, giving at least 28 days notice. s5 of the Protection from Eviction Act 1977 (PEA), requires all notices to quit to be in writing, give a minimum of 4 weeks notice and must expire on either the last or first day of a period of the tenancy. 10. Grounds for Possession – i. Secure tenancy – Schedule 2 of the 1985 Act – need to prove ground + reasonableness/ground + alternative accommodation/ground + suitable accommodation + reasonableness. You will mainly encounter Ground 1 unpaid rent or breach of term in the tenancy agreement. However, Ground 2 deals with anti social behaviour, e.g. gang violence, drugs selling. Need to prove ground (e.g. rent arrears) + reasonableness. ii. Reasonableness – this means that the court has discretion to decide whether or not to make a possession order. It can decline to do so, if, in all the circumstances of the case, it considers it unreasonable to do so; for example, in a secure tenancy case, where the arrears are largely due to errors of the council`s own housing benefit department. Or where arrears are very low, e.g. under £100; or where there are reasonable alternatives to possession, e.g. direct deduction from tenant`s state benefit. iii. Introductory tenancy – need only prove service of Notice of Proceedings for Possession iv. Assured tenancy – Sch.2, Part I Mandatory Grounds (e.g. Ground 8 – 2 months rent arrears) Sch.2, Part II, Discretionary Grounds v. Assured shorthold tenancy – additional mandatory ground – (s21) vi. Rent Act tenancy – (Sch.15, Part I – mandatory grounds 7 Part II – discretionary grounds. Case 1rent arrears and breach of term of tenancy Defences – Disability Discrimination Act 1995 Section 22 (3)( c ) DDA 1995 makes it unlawful for a person who manages any premises (e.g. a landlord) to discriminate against a person with a disability who occupies those premises “by evicting [him] or subjecting him to any other detriment” 2 cases - In Manchester City Council v Romano [2005] 1 WLR 2775 at [63]) – the Court of Appeal held that in a case where the court has a discretion as to whether to make a possession order, that if the tenant can show that the landlord’s conduct amounted to unlawful discrimination under the DDA 1995, that factor was a factor to be taken into account when the court was determining whether it was reasonable to make an order of possession In LB Lewisham v Malcolm [2008] UKHL 43 the House of Lords unanimously allowed Lewisham`s appeal and restored the original order against Mr Malcolm . The Court of Appeal had held that damages would not provide an effective remedy in possession proceedings where the tenant has no security of tenure but where the possession proceedings constitute unlawful discrimination. It also held that a court should dismiss possession proceedings if satisfied that that their pursuit is unlawful. The Court also considered three further issues namely (i) the manner in which the trial judge had addressed the issue of disability; (ii) the issue of "causation" namely the relationship between the treatment and the disability; and (iii) the relevance of "knowledge". The ruling goes considerably further than the judgment in Manchester City Council v Romano [2005]. The House of Lords rejected the tenant's case that there was a causal connection between his mental illness and the sub-letting. Moreover, it decided that even if there had been such a connection, there had been no discrimination on the grounds of that disability because (a) Lewisham had not been aware of the disability when deciding to seek possession and (b) its policy was to recover possession where any property had been wholly sublet. Mr Malcolm had been treated no more unfavourably than any other tenant who had sublet and moved away. The decision considerably reduces the scope of the Disability Discrimination Act 1995 not only in housing cases but in all other areas covered by the Act. Other defences – include - not reasonable to make possession order (discretionary ground) e.g. outstanding HB Defendant has significant counterclaim for disrepair Technical defence – defect of relevant notice – but note that court may have power to waive the defect in some cases (not in section 21 cases) McCann v UK European Court, Application no 190009/04 8 Mr and Mrs McCann were joint tenants of a council house in Birmingham. Mrs McCann left with the children and was re-housed. The council then asked her to sign a notice to quit in respect of the joint tenancy. When she did so, the tenancy ended and the council sought possession from Mr McCann. He had no defence in English property law and, on appeal, a possession order was made. A claim for judicial review of the council's actions was dismissed. He therefore never had a forum in which to make a factual case as to why he should be allowed to keep his home. The European Court decided that this had violated his right to respect for his home (under Article 8) and awarded him compensation and costs. In doing so, the Court explicitly endorsed the approach of the minority in the House of Lords cases of Qazi v Harrow LBC and Kay v Lambeth LBC 11. Possession Proceedings - governed by CPR 55. Landlord must prepare and lodge Claim for Possession and Particulars of Claim, setting out information prescribed in CPR 55. This includes i. identifying the land to which the claim relates ii. whether claim relates to residential property iii. ground for possession iv. full details of tenancy or mortgage agreement 12. The court will fix a hearing date, which must not be less than 28 days from the date Claim issued. Defendant must have at least 21 days notice of the hearing. A Reply form will be sent with the Claim. The Defendant has 14 days to return this to indicate whether the Claim will be defended. If there is a defence, it is likely that the hearing date will be adjourned with directions. Instructions can be taken to see if the tenant has a claim against the landlord, e.g. disrepair, to counterclaim in the proceedings 13. Accelerated Possession Proceedings – where i. there is an assured shorthold tenancy ii. the landlord has served a section 21 notice, giving 2 months notice of termination of the tenancy and intention to apply for possession iii. he seeks possession only s/he can apply to the court for an order for accelerated possession on a prescribed form. The court has the power to make an order without a hearing, based on the papers only, which must include the tenancy agreement and the section 21 notice. The tenant has 14 days to reply to indicate whether s/he has a defence to the Claim, or whether s/he wants the court to postpone possession for maximum of 42 days, in case of exception hardship. No reply court will make possession order on considering the papers only, that is, no court hearing. 14. Possession Order – can be suspended or outright. 9 i. Outright Possession Order (OPO) means and immediate order for possession on a fixed date. On this date, legal possession of the property returns to the landlord, the tenant is ordered to leave by the court and the statutory tenancy formally ends. The Housing Act 1980, s89 allows that possession should not be postponed to a date later than 14 days after the making of the order, unless it appears to the court that this would cause exceptional hardship. In any event, it shall not be postponed later than 6 weeks after the making of the order. ii. Postponed Possession Order means that the date on which possession is transferred is delayed upon the occurrence of certain terms. In the case of rent arrears, the court usually orders the tenant to pay the rent, plus an amount off the arrears. Once the tenant misses such a payment, the possession order comes into effect, the tenant is ordered to leave and the statutory tenancy formally ends. There is now a line of authorities relating to tolerated trespasser. Note - Housing and Regeneration Act 2008 – abolishes tolerated trespassers from 22 July 2008 forward, but note: Bristol CC v Hassan [2006] EWCA Civ 656 – in the case of secure tenants, the case was responsible for introducing the concept of postponed possession orders. Once the order is broken by the Defendant, e.g. term of the order to pay rent plus amount off the arrears is broken, landlord then has to apply to the court for a date on which the tenancy will be determined. White v Knowsley [2007] EWCA Civ 404 – applies the same principle as in Bristol case to assured tenants. 15. After the possession order i. Breaking the possession order – where the tenant fails to comply with the possession order, the statutory tenancy ends. ii. In the case of secure tenants, the case of Burrows v Brent 1996 HL, created the concept of a tolerated trespasser. This is a secure tenant against whom a possession order has been made and the order has been 10 broken and where the landlord allows the occupant to stay until formal steps are taken to evict him/her. An OPO is broken by staying in the property after the date on which the possession order takes effect. An SPO is broken by failure to comply with a term to which the order is subject. Once the order is broken the statutory tenancy ends. Such an occupant is without tenancy rights, the tenancy having ended, unless and until an application is made to the court under s85(2) Housing Act 1985 to reinstate the secure tenancy. This allows the court to postpone the date on which possession was due to take effect. iii. In the case of assured tenancies, it is believed that concept of tolerated trespasser also applies, although there have been no decided cases in respect of it. s9 Housing Act 1988 is similar to s85 of the 85 Act. 16. Application for eviction – i. the landlord applies to the court for a bailiffs warrant. This is application for court bailiffs to attend the property and evict the tenant, for his/her failure to comply with the court order. The application is made on a prescribed form with payment of a fee. ii. The bailiff will then write to the occupant to confirm attendance at the property on a particular date (the eviction date) in order to evict all occupants on the property referred to in the warrant. 17. Application to stay the eviction – at this stage, the occupant/former tenant can apply to the court to stop the eviction. The court has wide discretion to do so. The application is made on Form N244, with payment of a fee (presently £35) or completion of a fees exempt form, stating the reasons why the court order has been breached, proposals for remedying the breach and a proposal to deal with future conduct. If the application for a stay of execution is dismissed, the eviction will go ahead. If the court grants a stay, the eviction will be stopped and the court will impose terms in respect of any adjournment, stay or suspension, e.g. as to payment of rent and arrears. 18. Post Eviction – an application can be made after the eviction for re-entry into the property. Again, the application is made on N244 with the appropriate fee. The court`s powers are extremely limited to order re-entry. 19. There are 3 situations where this can be done 11 i. where an application can be made to set aside (cancel) the original possession order, as the Defendant was not present (CPR 39.3) ii. where there has been fraud in obtaining the eviction iii. where there has been abuse of process or oppression in the execution of the eviction (Hammersmith + Fulham v Hill 1995 CA). An example of oppression is where the landlord or someone else involved in the eviction process (e.g. the court) does something to prevent the occupant applying to the court to stay the eviction, e.g. says that the only way to stop the eviction is to clear all the arrears (LBLambeth v Hughes 2001 CA) Outline Mortgage Possession Proceedings Similar to landlord possession proceedings Don't delay – early action means more options open and it limits legal costs. Reason for repossession There has to be a legal reason for your home to be repossessed. The most common reason is if you have mortgage arrears or arrears on another secured loan taken out against your home. If you are in arrears you should try to pay as much as you can on a regular basis, even after court action has been started. Leaseholders can also be evicted by their freeholder if they break the conditions of their lease, e.g. non payment of service charges Notice from your lender The lender will write to you asking you to remedy the situation and will write to you to let you know it intends to take court action against you if the problem is not resolved. A summons from the court The court will write to you telling you when a hearing is to take place. It is essential to get legal advice at this point if client has not already done so. An adviser may be able to help client to prepare for the hearing, gather evidence and/or negotiate with the other side. The court hearing At the judge will hear evidence from you and your lender or freeholder before making a decision. The judge may: 12 adjourn the case strike it out allow you to stay in the property provided you keep to certain conditions, such as repaying the arrears in instalments, or give you time to sell your property to avoid repossession, or decide that you should be evicted. The court order If the judge decides that your home is to be repossessed, the court order will asset a date for you to leave. If you have not left by that date, your lender or freeholder must apply to the court for a bailiffs warrant. The bailiffs will write to tell you when the eviction is to take place, and when they come, they can remove you from your home. FAQs 1. How quickly can a repossession be stopped? It can be stopped right up to the date of eviction. 2. . Should I pay my unsecured debts in priority over my mortgage ? No. Definitely not – do pay someone just because they make the loudest noise. Prioritize in order of importance. Roof over your head is usually the most important – after food and probably council tax for which you could be sent to prison 3. Can I take out a unsecured loan to pay off my arrears? Beware quick fixes that make the situation worse, particularly if at high interest rates. 4. Is handing back the keys the end of the matter? No. Your lender will put the house up for sale, normally by auction to recover the money owed. If there is a shortfall, meaning you owe more than the house is sold for, your lender can legally chase you for this money for 12 years (5 years in Scotland). You will be responsible for ongoing mortgage interest payments right up until sale, and all the sale costs. This will include estate agents fees, locksmiths costs, solicitors fees on repossession and re-sale, surveyors fees and utility bills. 13 Offer to pay what you can afford - no matter how small Client can offer to repay the arrears over any amount of time up to the remaining term of the mortgage. Explain why client can only afford this amount – they may not be aware of your circumstances. Until you explain your problems, you're just another account number. Ask to delay repayment of arrears If client can afford your normally monthly payments, but can’t afford anything towards the arrears, you could ask lender if they can delay arrears payments for the time being pending a review in say, 6 months. Ask to add the arrears to the mortgage loan You could ask the mortgage company to capitalise the arrears. This means adding them to your total mortgage balance, spreading the arrears over the remaining period of your mortgage. This will increase monthly repayments, but not greatly. Sell your property yourself If you can't see a way to affording your mortgage repayments in the long term, then don't sit back waiting for the inevitable. If your home is repossessed by your creditors, they will take control of its sale. Further Reading LAG – (Legal Action Group) - Defending Possession Proceedings – by Nick Madge, Jan Luba and Derek McConnell Manual of Housing Law – Andrew Arden/Caroline Hunter – Sweet and Maxwell Statutes Rent Act 1977 Criminal Law Act 1977 Protection from Eviction Act 1977 Housing Act 1980 Housing Act 1985 Housing Act 1988 Housing Act 1996 Housing and Regeneration Act 2008 14 Tenancy Deposits The system - The system changed on 6 April 2007. From that date, a tenancy deposit scheme was introduced. It does not protect deposit before that date.After payment of the deposit, the landlord or agent must then protect the deposit using a tenancy deposit scheme. There are two types of scheme available: a custodial scheme. With this scheme, the landlord or agent pays the deposit to the scheme, which will keep it until the end of your tenancy an insurance scheme, where the landlord or agent keeps the deposit but pays insurance premiums to the scheme. This means that the deposit is insured if there is any dispute, and the scheme will repay the tenant the agreed amount directly. The insurance scheme can charge fees to landlords for membership and can require contributions towards the costs of insurance What the landlord must do - The landlord or agent must decide what scheme to use. They must then provide certain information to you within 14 days of the day when you paid your deposit. This information includes: the landlord or agent's contact details which tenancy deposit scheme they are using and the contact details for the scheme information about the purpose of the tenancy deposit when you can apply to get the deposit back at the end of the tenancy what you can do if there is a dispute about the deposit What must you do - Consider drawing up an inventory when you move into the property. Make sure you keep a record of all rent payments. Consider obtaining legal advice, if for example, unsure about the tenancy What if the landlord fails to protect my deposit - If the landlord fails to provide protection within 14 days, you can get an order from the County Court that you get your deposit back or protect it in one of the deposit schemes. The court will also order the landlord or agent to pay you compensation equivalent to three times the value of the deposit you paid. The landlord or agent must do all of these things within 14 days of the court order.In addition, if your landlord or agent hasn't protected your deposit and provided the required information within 14 days, then there are restrictions on how they can evict you. Normally, landlords of assured shorthold tenants can evict a tenant by giving you a minimum of two months' notice and then getting a court order without having to show a reason. This is known as the 'shorthold ground'. However, if your landlord or agent hasn't protected your deposit and provided the required information within 14 days, then they cannot use the shorthold ground to evict you. 15 Examples 1. Mrs. B. comes to see you. She has an eviction date due in 2 weeks time. She has no papers with her. She says she has been living at her property for about 10 years and is terrified of being evicted. She believes she has arrears of over £3,000. She wants to know what, if anything, she can do. i. what further information would you need from Mrs. B. ii. what documentation might you want to see iii. what advice would you give Mrs. B about her status iv. what advice would you give Mrs. B about what next needs to be done. a. Gordon Brown comes to your office. He says he has an eviction notice from his landlord, Mr. Chester, whom he owes rent, of about £1,000. It tells him that if he does not pay all the arrears by 19th May, court proceedings will be started against him. He has already started packing his bags to move out with his wife and children. i. what further information would you need from Mr. Brown? ii. what advice would you give him about the eviction notice? iii. what should he do about his packed bags? iv. what practical steps could he take? 16