Former landlord claiming for repairs after I moved out: who helps?

Summary

A zero deposit or deposit replacement product is not insurance for you: you still owe for real damage or unpaid rent when you move out. The landlord claims through the provider, and you can dispute the claim, often only within a short deadline. The landlord has to show loss beyond fair wear and tear, using the check in and check out reports. After 3 years, worn decoration is expected. If the landlord left you without essentials such as a toilet, you may also be able to claim compensation for that disrepair.

Key information

• How the product works: you paid a fee instead of a deposit. The provider may pay the landlord and then recover the money from you.
• Dispute quickly: read the provider's terms. Many offer an independent review if you dispute within a set time.
• Fair wear and tear: the landlord cannot charge for normal ageing, or to make the home better than when you moved in.
• Evidence: check in and check out reports, dated photos, cleaning and carpet receipts, and messages about repairs.
• Inspection timing: a check out done weeks after you left is weaker evidence of your condition.
• Disrepair: landlords must keep sanitation, water, heating and hot water working. Appliances they supplied, such as an oven, are usually theirs to repair too.
• Counterclaim: you can claim compensation for loss of use, usually within 6 years.
• The scheme provider can: pass on the landlord's claim and ask you to pay or dispute; refer a disputed claim for independent review if its terms allow. They will not argue your case for you. Send your evidence on time.
• Shelter can: explain deposit deductions and repairs using tenancy deposits and repairs; give advice through its helpline if you are struggling. They will not usually take on a small money dispute for you.
• Citizens Advice can: explain fair deductions using getting your tenancy deposit back and check if your landlord has to do repairs. They will not negotiate with your landlord.

Practical guidance

• Find the provider's claim notice and note the dispute deadline.
• Dispute in writing: list each item, attach receipts, photos and the check in report, and point out wear and tear and the late inspection.
• Write to the landlord or agent listing the repair failures and dates, and ask that compensation be set against the claim.
• If no agreement, use the provider's independent review if offered.
• If you are chased for money, or want compensation for disrepair, consider the small claims process after a letter before claim.
• If a letting agent handled things badly, complain to the agent, then its redress scheme.
• Ask the Shaman to order the steps for your case.

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