Spray Foam Insulation and Mortgage Problems: Can a Lender Refuse to Lend on Your Home?
Spray Foam Insulation and Mortgage Problems: Can a Lender Refuse to Lend on Your Home?
24 August 2026
Can My Landlord Blame Condensation for Damp and Mould? A Complete Guide for Tenants
Can My Landlord Blame Condensation for Damp and Mould? A Complete Guide for Tenants
4 September 2026

Tenant Secures Compensation After Years of Rat Infestation, Damp and Drainage Problems

28 August 2026

Housing Conditions Claim Case Study Overview: Years of Rat Infestation, Damp and Drainage Problems in Kent Home

MJV Solicitors acted for a tenant in a housing conditions claim against a housing association arising from severe and prolonged disrepair at a residential property in Kent. The claim concerned a long-standing rat infestation, damp caused by defective waste pipework, disrepair to external brickwork and doors, and failures to investigate or repair drainage defects despite repeated reports over several years.

The matter settled following expert evidence and negotiations, securing compensation and an agreement for remedial works.

The claimant occupied the property under a tenancy agreement and was entitled to live in a home that was maintained in repair and fit for human habitation. The landlord was responsible for the structure and exterior of the property, together with installations for sanitation, drainage and waste pursuant to section 11 of the Landlord and Tenant Act 1985, the Homes (Fitness for Human Habitation) Act 2018 and section 4 of the Defective Premises Act 1972

Years of Rat Infestation, Damp and Unresolved Disrepair

The tenant began experiencing problems at the property as early as 2018 when a rat infestation developed. Rodent droppings were present throughout the property, and maggots were observed emerging from the walls near the external door. These issues were reported repeatedly to the landlord over a number of years, including on numerous occasions by telephone and in person. No meaningful investigation or repair was undertaken.

In 2020, damp began to rise through the kitchen and bedroom walls and floors. The tenant believed this was caused by rats chewing through waste pipework, allowing water to escape beneath the property. The damp worsened over time, causing damage to internal finishes and creating unpleasant living conditions. The tenant continued to report the issues regularly, but no inspection or repair followed.

Further disrepair was identified to the external brickwork and door surrounds, particularly around the rear door where worn seals and defective masonry allowed heat loss and moisture ingress. An inspection eventually took place, during which the landlord’s contractor advised that a replacement door was required, yet no works were carried out and the defects remained unresolved.

The Landlord’s Repairing Obligations

The claim was pursued under the Pre-Action Protocol for Housing Conditions Claims (England). The landlord had been on notice of the defects for several years and had failed to carry out repairs within a reasonable time. The claim relied on breaches of section 11 of the Landlord and Tenant Act 1985, sections 9A and 10 of the same Act as amended by the Homes (Fitness for Human Habitation) Act 2018, section 4 of the Defective Premises Act 1972 and the common law

The tenant sought an order requiring the landlord to carry out the necessary repairs together with compensation for distress, inconvenience and loss of amenity caused by prolonged exposure to pests, damp and unsanitary conditions.

Expert Evidence Confirmed Damp, Drainage Defects and Rodent Access

An independent housing disrepair expert was instructed to inspect the property and prepare a report and Scott Schedule. The expert confirmed evidence of damp affecting internal walls and floors, consistent with defective waste pipework and drainage failures. The expert recommended renewal of waste pipework, sealing of all potential rodent access points, repairs to external brickwork, and installation of adequate ventilation.

A CCTV drainage survey was also obtained, which identified defects within the drainage system consistent with rodent ingress and leakage. The expert evidence supported the tenant’s long-standing reports and confirmed that the defects fell within the landlord’s statutory repairing obligations.

The Outcome for Our Client: Compensation and Remedial Works Agreed

Despite having been provided with the Letter of Claim and expert evidence, the landlord failed to engage meaningfully at an early stage. Following further correspondence and negotiation, the landlord made an offer to settle the housing conditions claim.

The settlement included:

  • payment of damages to reflect the prolonged distress, inconvenience and loss of enjoyment suffered by the tenant,
  • an agreement to carry out the remedial works identified by the expert,
  • payment of the tenant’s legal costs

The matter settled without the need for contested court proceedings.

Why This Housing Conditions Claim Matters

This case demonstrates the serious impact that unresolved pest infestation, drainage defects and damp can have on tenants and their families. It highlights the importance of placing landlords on clear notice, obtaining expert evidence where defects are denied or ignored, and pursuing housing conditions claims where landlords fail to comply with their legal obligations.

MJV Solicitors regularly act for tenants in housing conditions claims involving damp and mould, pest infestation, drainage failures and long-term disrepair where landlords have failed to respond appropriately to repeated complaints.

Need Help with Housing Disrepair?

If you are living with damp, mould, leaks or any form of disrepair and your landlord is not taking action, we can help you in the same straightforward, effective way

Get in Touch Now for a Free Case Assessment 

  • Call us on 01253 858231 
  • Visit our website for more information about how to start your claim for Housing Disrepair 

Read about some of our other successful disrepair claims, and how we helped:

Useful Guides for Tenants:

Frequently Asked Questions

Yes. Where a pest infestation arises due to disrepair, defective drainage or structural defects for which the landlord is responsible, a housing conditions claim may be brought.

Yes. Landlords are responsible for installations for sanitation and drainage under section 11 of the Landlord and Tenant Act 1985 and related legislation.

If a landlord has been on notice of disrepair and fails to act within a reasonable time, a tenant may pursue a housing conditions claim and seek repairs, damages and costs.

Yes. Compensation may be awarded for distress, inconvenience and loss of enjoyment caused by prolonged disrepair and poor living conditions.

Expert evidence is often crucial, particularly where the cause of disrepair is disputed or where specialist investigations such as drainage surveys are required.

Yes. Many housing conditions claims settle following expert evidence and negotiation, without the need for a contested final hearing.

Conveyancing price guide

Introductory paragraph explaining price transparency and why the costs are displayed below.

Our Service

We will (depending on whether we are acting for the buyer or seller):

  1. Comply fully with the Law Society’s Protocol for Conveyancing transactions;
  2. Prepare or consider all initial documents including the contract, property information form, fixtures and fittings forms, legal title and any other such documents required by the individual circumstances of the transactions;
  3. Prepare or consider enquiries and prepare or consider the responses;
  4. Consider the search reports on a purchase;
  5. Prepare a report on purchase properties;
  6. Assist with the execution of the contract and transfer as well as any other documents that are required;
  7. Exchange and complete the transaction;
  8. Comply with all post completion requirements;
  9. Submit a Stamp Duty Land Tax return upon completion.

Purchasing

How much will it cost?

If you are purchasing a freehold property, our fees on a purchase are:

Purchase price

Our fee

VAT

Total

£0-£100,000

£600

£120

£720

£100,001 - £150,000

£650

£130

£780

£150,001 - £200,000

£700

£140

£840

£200,001 - £250,000

£750

£150

£900

£250,001 - £300,000

£800

£160

£960

£300,001 - £400,000

£850

£170

£1020

£400,001 - £500,000

£900

£180

£1080

£500,001 - £750,000

£1000

£200

£1200

Each transaction will also incur the additional charges set out below:

Additional charge and explanation

Our fee

VAT

Total

Bank transfer fee

£30.00

£6.00

£36.00

Independent ID verification (per person)

£5.00

£1.00

£6.00

Depending on the specific nature of your purchase, we may also charge you the following:

Charge

Our fee

VAT

Total

Purchase of a leasehold house

£100.00

£20.00

£120.00

Purchase of any other leasehold property

£150.00

£30.00

£180.00

Purchase of a shared ownership property

£250.00

£50.00

£300.00

Gifted deposit

£50.00

£10.00

£60.00

New build property

£250.00

£50.00

£300.00

The above costs are for our fees only and all are subject to the disbursements on your matter.

Disbursements on a purchase

Please note that, subject to the relevant rules in operation at the time of your purchase and the value and nature of your purchase (i.e. whether you are a first time buyer or if you are purchasing a buy to let property), you may be required to pay Stamp Duty Land Tax on your purchase. This is not classified as a disbursement and we will advise you on your tax liability, if any, upon receipt of your instructions or specific enquiry.

Please note that our search and service providers often increase charges at little notice and so the disbursements quoted below are subject to change. We update this website as soon as possible following any such change.

Typically, the following searches are required for a purchase (all charges are inclusive of any VAT or insurance premium tax):

Local Authority’s current search fee (if Blackpool, Wyre or Fylde)

£122.70 inc VAT

Drainage and Water search fee

£79.50 inc VAT

Environmental search

£71.40 inc VAT

Land Registry priority title search

£3.00 no VAT

Bankruptcy search - £2 per seller named on the Register of Title

£2.00 no VAT

Land charges search - £2 per seller named on the Register of Title

£2.00 no VAT

It may transpire through the course of your purchase that further searches are required, but this is not typically so and most of our purchase matters complete having undertaken only the searches listed above.

You will have to pay a fee to register your property.

Purchase price

Land Registry registration fee (no VAT)

£0 - £80,000

£20.00 no VAT

£80,001 - £100,000

£40.00 no VAT

£100,001 - £200,000

£100.00 no VAT

£200,001 - £500,000

£150.00 no VAT

£500,001 - £1,000,000

£295.00 no VAT

£1,000,000 and above

£500.00 no VAT

Selling

How much will it cost? – Sale

If you are purchasing a freehold property, our fees on a purchase are:

Purchase price

Our fee

VAT

Total

£0-£100,000

£600.00

£120.00

£720.00

£100,001 - £150,000

£650.00

£130.00

£780.00

£150,001 - £200,000

£700.00

£140.00

£840.00

£200,001 - £250,000

£750.00

£150.00

£900.00

£250,001 - £300,000

£800.00

£160.00

£960.00

£300,001 - £400,000

£850.00

£170.00

£1020.00

£400,001 - £500,000

£900.00

£180.00

£1080.00

£500,001 - £750,000

£1000.00

£200.00

£1200.00

Over £750,000

To be negotiated

To be applied

To be agreed

Each transaction will also incur the additional charges set out below:

Additional charge and explanation

Our fee

VAT

Total

Bank transfer fee

£30.00

£6.00

£36.00

Independent ID verification (per person)

£5.75

£1.15

£6.90

We are currently on the panels of Lloyds Banking Group (Halifax, Birmingham Midshires and Lloyds) and Barclays. If you are purchasing a property with any of these lenders, we would be delighted to assist you, but cannot act where the mortgage is provided by any other lender.

Depending on the specific nature of your purchase, we may also charge you the following:

Charge

Our fee

VAT

Total

Sale of a leasehold house

£100.00

£20.00

£120.00

Sale of any other leasehold property

£150.00

£30.00

£180.00

Sale of a shared ownership property

£250.00

£50.00

£300.00

The above costs are for our fees only and all are subject to the disbursements on your matter.

Re-mortgages

We charge £500 plus VAT for acting on a re-mortgage.

Our disbursements are limited to the Land Registry searches of £3 per document (there is no VAT on Land Registry charges) and typically the total cost of these is between £6-£15 depending on how many documents are registered and whether the property being re-mortgaged is freehold or leasehold. Most lenders normally permit the purchase of no search insurance rather than undertaking new searches and this costs, inclusive of insurance premium tax.

Call us today: 01253 858 231