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Maître Reda KOHEN, avocat au Barreau de Paris
Maître Reda KOHEN
Avocat au Barreau de Paris

French Landlord Refuses a Quittance de Loyer: What Can a British Tenant Do After Brexit?

When a British tenant leaves France, a missing rent document can become a practical legal problem months later. A bank, insurer, future landlord, tax authority or benefits body may ask for proof that rent was paid. The French document normally used for that purpose is a quittance de loyer, meaning a rent receipt confirming the sums actually paid. A landlord or managing agent who refuses to issue it cannot justify the refusal merely by pointing to Brexit, the tenant’s return to the United Kingdom or the fact that the lease has ended.

The important distinction is between rent that was fully paid and rent that was paid only in part. Full payment calls for a quittance; a partial payment calls for a reçu, meaning a receipt that records what was actually paid without falsely confirming that the whole rent was settled. An avis d’échéance, or rent demand, is not automatically either document. It may state what is due, whereas a quittance records what has been received.

This guide sets out the route for a British tenant who rented a home in France, paid through a British account or another cross-border arrangement, and now faces a refusal from the bailleur (landlord) or the mandataire (agent acting for the landlord). It explains the evidence to preserve, the wording of a formal demand, the difference between a rent receipt and a security-deposit dispute, and the French court options available after an unsuccessful request. For the general French-law baseline, see the firm’s guide to obtaining a refused rent receipt; this article adds the British cross-border evidence and post-departure route.

I. Can a French landlord refuse a quittance de loyer to a British tenant?

A. What document must the landlord issue after full or partial rent payment?

The starting point is Article 21 of the French law of 6 July 1989, the principal statute governing residential leases. Its obligation is directed at the landlord or the landlord’s agent, not at the tenant’s nationality and not at the bank through which the rent travelled. The official text states: Le bailleur ou son mandataire est tenu de transmettre gratuitement une quittance au locataire qui en fait la demande. In English, the landlord or agent must send the document free of charge when the tenant asks for it. The rule is reproduced on the official Légifrance page for Article 21 of the 6 July 1989 law.

The same provision defines the essential content: La quittance porte le détail des sommes versées par le locataire en distinguant le loyer et les charges. The receipt should therefore identify the relevant period and separate the rent from the charges, a French term commonly used for recoverable service or occupation costs. A document that simply shows an account balance, a future due date or a generic “paid” stamp may not provide the detail required for the tenant’s proof.

Three consequences follow. First, the request must be made by the tenant or by a person acting with authority for the tenant. Secondly, the document concerns sums actually paid, not merely sums invoiced. Thirdly, the landlord cannot charge a fee for preparing, managing or sending the quittance. Article 21 expressly adds that no charge connected with managing the rent demand or quittance may be billed to the tenant. The tenant should challenge a line labelled “administration fee”, “postage for receipt” or a similar expression rather than quietly paying it as the price of obtaining proof.

A full rent payment does not require the tenant to have used a French bank account. A transfer from a United Kingdom account, a payment by a British employer under a relocation arrangement, or a payment made by a spouse may raise an evidential question, but it does not by itself remove the landlord’s obligation. The relevant issue is whether the amount due under the lease was paid for the relevant period and can be linked to the tenant’s account. A French receipt can refer to the tenant and the lease even if the remitter’s name on the bank statement is different.

Partial payment produces a different document. The final sentence of Article 21 states: Si le locataire effectue un paiement partiel, le bailleur est tenu de délivrer un reçu. The landlord must not issue a full quittance for a month in which a balance remains unpaid, because that could later be used as an admission that the whole rent was settled. The tenant should nevertheless receive a clear receipt identifying the amount received, the period to which it was allocated and, where appropriate, the balance claimed.

This distinction matters when a British tenant has paid a rent in pounds which was converted into euros by an intermediary. The lease may require payment of a fixed euro amount. If the receiving bank credited slightly less because of intermediary fees or exchange-rate handling, the landlord may have a genuine accounting point. The correct answer is not to refuse every document. The landlord should issue a receipt for the amount received and identify the alleged balance, while the tenant checks the payment instructions, the bank’s conversion record and any agreement about transfer costs.

An avis d’échéance is often sent before or around the payment date. It may be useful evidence, but it is not necessarily a quittance. In Cass. 3e civ., 24 March 2004, no. 01-14.439, a published decision, the Cour de cassation approved the conclusion that the landlord’s notices did not comply because they were not issued as quittances and ne portaient pas le détail de sommes acquittées. The case’s official summary states that notices labelled “avis d’échéance” do not constitute quittances under Article 21 when they do not detail the sums paid by the tenant.

The practical test is therefore not the visual layout or the landlord’s preferred label alone. Read the document against the lease and the bank record. Does it identify the tenant, the address, the payment period, the rent, the charges and the amount actually received? Does it state that the listed sum has been paid, rather than merely becoming due? If a landlord sends an account statement that contains the necessary information, it may become useful evidence, but a tenant seeking a formal quittance should still ask for a document that is clearly identified as such.

The Supreme Court addressed a similar objection in Cass. 3e civ., 2 December 2014, no. 13-12.269. The landlord had argued that a request for older quittances had lost its purpose because the final accounts were being settled. The Court held that the landlord was required to provide the free quittance requested and that the appeal court had violated Article 21 by rejecting the request on that basis. The decision records the rule in these terms: le bailleur est tenu de remettre gratuitement une quittance au locataire qui en fait la demande.

The official Service-Public explanation of how to obtain a rent receipt confirms the same operational points. It says that the landlord, estate agency or social landlord may send the quittance by email if the tenant has given consent; it also repeats the requirement to distinguish rent and charges and the obligation to issue a receipt after a partial payment. A British tenant can use the official letter model as a starting point, but a cross-border dispute usually requires additional payment evidence and a carefully addressed demand.

The statutory right commonly applies to a residential lease governed by the 6 July 1989 framework, including the ordinary empty or furnished tenancy used as a main home. The exact contract should still be checked. A holiday letting, a commercial occupation, a company lease or a room arrangement may fall under different provisions. The label “rent” is not enough to decide the regime. Keep the signed lease, any amendments and the inventory of fixtures and condition, known in French as the état des lieux, before deciding what remedy to seek.

Brexit changes immigration, tax and certain administrative questions; it does not turn a French residential lease into a United Kingdom contract. The GOV.UK guidance on living in France is useful for the British side of a move, including residence and renting information, but the legal duty to provide a French quittance comes from the French lease and French law. A landlord cannot lawfully answer a request by saying that a British former tenant is now outside the European Union.

B. Can a British tenant request missing rent receipts after leaving France?

Leaving the property does not erase the history of rent payments. A tenant who has returned to Britain should ask for the missing months in one schedule rather than sending a series of vague messages. List each month, the contractual rent, the charges if they were included in the payment, the date and amount of the transfer, and the document still missing. If a payment was partial, describe it as such. Precision prevents the landlord from answering that the request is too broad or that the tenant is confusing rent with the security deposit.

A useful authority is Cass. 3e civ., 1 February 2011, no. 10-11.603. The case involved a former tenant seeking documents after the lease had ended and the tenant had left. Its first ground was dealt with in the procedural record rather than producing a simple general declaration for every case, so it should not be presented as an automatic victory. It nevertheless demonstrates why the old lease, payment records and requested months must be separated from a later deposit dispute. The same decision holds that, for deposit deductions, il incombait au bailleur de justifier des sommes qu’il entendait retenir. That evidence principle is highly relevant when a landlord mixes missing rent documents with alleged end-of-lease deductions.

In the later 2014 decision, no. 13-12.269, the Cour de cassation rejected the idea that the existence of arrears or the need to close the accounts automatically makes a request for earlier quittances pointless. The decision concerned a landlord’s attempt to have the court reject the request after a long period of non-payment. It does not mean that every tenant receives a full receipt for a month that remains unpaid. It means that paid periods must be identified and dealt with accurately instead of being swallowed by a general final account.

A British bank statement is valuable but is not the same thing as a French quittance. It may show the account holder, the beneficiary, the amount, the date and the transfer reference. It may also show an amount debited in pounds while the landlord received euros. Attach the statement together with the lease clause specifying the rent, the transfer instruction, the receiving account and any currency-conversion record. Redact unrelated transactions, card numbers and other personal information, while leaving the transaction identifiers and dates readable.

If a family member paid the rent, the tenant should explain the arrangement and attach the written instruction or message that links the payment to the lease. If a relocation company paid an initial period, add the employer’s payment confirmation. If the tenant paid through a platform, download the platform receipt and the underlying bank debit. These documents do not allow the landlord to invent a full payment, but they answer the common objection that the person named on the bank statement is not the tenant.

Joint tenancies require a further check. The request should state which tenant or tenants are named in the lease and how the receipt should identify them. If one British tenant paid the whole amount for both tenants, the transfer may prove the payment while the lease determines whose name appears on the quittance. Avoid asking the landlord to rewrite the parties or to certify a fact that the lease does not support. Ask for the legally accurate document and preserve a separate explanation of who funded the transfer.

Send the request to both the landlord and the managing agent where an agency is involved. Article 21 expressly refers to the landlord or the agent. An agent who says that only the owner can answer should be given the owner’s contact details and the management mandate if available. A landlord who says that the agent handled all payments should still be sent the schedule. The aim is to prevent a circular exchange in which each recipient directs the former tenant to the other.

Give a current service address in the United Kingdom and a preferred email address. The former tenant does not need to pretend to have a French address. State the former French property address, the lease dates and the date the keys were returned. If email delivery is requested, give express consent to electronic transmission and ask for the documents as separate PDF files or in another format that can be saved with their metadata. Consent to email does not waive the right to a free document.

Do not confuse a missing quittance with the dépôt de garantie, the security deposit paid at the start of the lease. Article 22 of the 6 July 1989 law deals with the deposit’s return and deductions. Its timing depends on the condition of the property and the information provided to the landlord, and certain late-return consequences can apply. Read the official Article 22 text on Légifrance separately from Article 21. A request for rent receipts does not prove that the deposit was returned, and a deposit dispute does not cancel the duty to document rent already paid.

The tenant should also avoid withholding the last month’s rent as a self-help measure. A frustration with missing paperwork does not normally authorise unilateral set-off against rent. Non-payment can give the landlord a separate claim and can turn a document dispute into an arrears case. Pay rent in accordance with the lease while recording the request for documents, unless a lawyer has reviewed a lawful set-off or a written agreement changes the payment arrangement.

Time is still relevant even though a former tenant may make a late request. Older statements can disappear from online banking, an agency can change software, and a landlord can sell the property. Make the demand promptly, download records before closing a bank account and keep the original electronic files. A late request is not a reason to abandon the claim; it is a reason to build the evidence before asking a court to order production.

There are two distinct questions to keep apart. The first is whether the landlord owes a document for a period that was fully paid. The second is whether the tenant suffered a financial loss because the document was missing. The first may be established by the lease and payment trail. The second needs its own proof, such as a rejected mortgage or tenancy application, an insurer’s written refusal or a measurable administrative cost. A judge may order delivery without awarding a large sum for inconvenience alone.

II. How can a British tenant force delivery of a French rent receipt?

A. What evidence and formal notice should be sent first?

Before sending a formal notice, create a short chronology. Record the lease signature and end dates, the date of key return, every payment, every request and every response. Mark each month as “full payment shown”, “partial payment shown”, “payment unclear” or “not paid”. Add the name of the landlord, the agency, the address for formal service and the last known email addresses. This classification often reveals that the dispute is limited to two months rather than the whole lease.

Your evidence file should normally contain:

  • the signed lease and any rent or charges amendments;
  • the move-in and move-out état des lieux, if the end of the lease is also disputed;
  • the landlord’s rent demands, account statements and any documents already called receipts;
  • bank statements showing the debit, beneficiary, date, currency and transfer reference;
  • the receiving-bank or payment-platform confirmation where the amount was converted or routed through an intermediary;
  • emails, text messages and portal messages about rent, missing receipts and the forwarding address;
  • evidence of the request for the document, any refusal and any fee demanded for sending it;
  • proof of a practical loss if compensation is sought, rather than merely a request for delivery.

Make a payment table that can be understood without opening a bank application. A suitable row might identify “March 2026”, the contractual rent in euros, the amount debited in pounds, the date of debit, the date credited, the exchange-rate difference and the current document status. Add a column explaining why the payment is linked to the lease. If the reference says only “rent”, add the property address and the landlord’s name from the beneficiary record. The table is an aid to proof; it does not replace the underlying documents.

Preserve the original PDF downloads and the original email files where possible. Screenshots can show a portal page but may omit the account holder, URL or date. Export the page or download the statement and retain the screenshot as a convenient copy. Do not edit the source files to remove inconvenient information. Instead, use a redacted copy for routine correspondence and keep the complete version in a secure folder ready for a lawyer or court.

The formal notice is a mise en demeure, meaning a written demand that puts the recipient on notice of the obligation and the requested performance. It should be calm, factual and specific. State that you were the tenant, identify the lease and list the paid periods. Ask for a free quittance for each fully paid period and a receipt for each partial payment. Ask for the document to separate rent and charges. If the landlord disputes a payment, require a month-by-month statement identifying the alleged balance rather than accepting a general assertion that the account is closed.

Give a reasonable response period, such as eight or fifteen days, while making clear that the period is a practical deadline in the letter and not a claim that the statute creates a fixed eight-day rule. Ask for electronic delivery to the agreed email address and, where the dispute is serious, for a paper copy sent to the United Kingdom address. Include the phone number or email through which a short clarification can be arranged, but keep the legal request in a durable written form.

Refer to the statutory basis without turning the letter into a long legal essay. You can link Article 21 of the 6 July 1989 law and explain that the document is free, records sums paid, separates rent and charges, and becomes a receipt request where the payment was partial. If the landlord says the account is closed, refer to the principle confirmed in the 2014 Cour de cassation decision, no. 13-12.269, while making clear that you ask only for periods supported by payment evidence.

The contract remains relevant. Article 1103 of the Civil Code states that Les contrats légalement formés tiennent lieu de loi à ceux qui les ont faits. The official provision is available through Légifrance. A special payment calendar, a corporate relocation arrangement or an agreed method for reconciling charges may affect the calculation. It cannot normally be used to remove the mandatory statutory obligation to issue the appropriate document for rent actually received, but it may explain why a landlord alleges that a balance remains.

Article 1353 of the Civil Code gives the basic proof framework: Celui qui réclame l’exécution d’une obligation doit la prouver. It also requires the person claiming to be released from an obligation to justify payment or the event that extinguished it. The full provision is on Légifrance. In practice, the tenant proves the lease and payment trail; the landlord explains any unpaid balance, allocation problem or deduction. Neither party benefits from sending only a vague account total.

Electronic material can have real evidential value. Article 1366 of the Civil Code provides that L’écrit électronique a la même force probante que l’écrit sur support papier, subject to identification of its author and conditions preserving integrity. Link to the official Article 1366 text when explaining why an email, PDF or electronic account record should be preserved. This does not guarantee that every screenshot will be accepted without challenge. Keep the source, the transmission details and a clear chain showing how the document was obtained.

If an agency has stopped responding, send the notice to the agency’s registered address, the landlord’s address stated in the lease and any address used for deposit correspondence. Use a tracked method that records delivery. A French lettre recommandée avec avis de réception, often abbreviated LRAR, is a registered letter with acknowledgement of receipt. From the United Kingdom, a tracked international service can help, but check how delivery will be proved in France. Email may be sent on the same day and can speed up the exchange; it should supplement, not replace, the durable notice in a contested case.

Keep the demand proportionate. Do not threaten criminal proceedings for a simple failure to send a receipt, do not accuse the landlord of fraud without evidence and do not publish private correspondence. State the consequences accurately: you may seek an order requiring delivery, a proven loss and procedural costs. A measured letter makes it easier for a judge to see that the former tenant sought a straightforward correction before starting proceedings.

If the landlord replies with a document that covers only some months, identify the missing periods in a second letter. If the landlord sends a document labelled “avis d’échéance”, compare it with the rule applied in Cass. 3e civ., 24 March 2004, no. 01-14.439. The Court’s published summary refers to the absence of detail about amounts paid. The answer may be that the notice already contains all the required details; if so, explain why you still need a clearly identified quittance for a bank or administrative file.

Evidence of a fee should be kept separately. In Cass. 3e civ., 6 July 2017, no. 16-12.599, the Court dealt with an argument concerning fees connected with sending quittances and noted that un seul document litigieux ne permettait pas d’établir l’existence d’une pratique illicite. The decision did not create a licence to charge for a quittance; Article 21 supplies the statutory rule. It does show why a tenant claiming a repeated practice should preserve several invoices, account lines or written demands rather than relying on one unexplained screenshot.

If the records are at risk of disappearing, note that concern in the legal file. Article 145 of the Code of Civil Procedure allows a court, where there is a legitimate reason to preserve or establish evidence before trial, to order legally admissible investigative measures. The official text is available on Légifrance. This is not a routine substitute for a clear request for a quittance. It is a potential evidence-preservation route where a bank, agency or digital platform holds material that is genuinely at risk and the future dispute can be identified.

B. Which French court or amicable route should be used after a refusal?

After the formal notice, consider an amicable route before issuing proceedings. A conciliateur de justice is a court-appointed volunteer who assists the parties in seeking an agreement. The commission départementale de conciliation, or CDC, is a departmental body that can examine certain residential tenancy disagreements. Service-Public’s page on the CDC explains the type of disputes it handles and the documents to prepare. It can be found at Service-Public’s official CDC information.

Do not assume that every request for a missing quittance has exactly the same mandatory pre-court route as a claim for a sum of money. The procedural classification matters. An amicable request is nevertheless useful: it can produce the receipt quickly, narrow the months in dispute and show that the tenant acted reasonably. If the file also includes deposit deductions, charges or repair costs, the CDC or a conciliator may be more useful than a narrowly framed document-delivery demand.

If you ask for compensation or repayment of a sum not exceeding €5,000, check the prior amicable-resolution requirement in Article 750-1 of the Code of Civil Procedure. The official Article 750-1 text lists cases in which an attempt at conciliation, mediation or a participatory procedure must precede the court application, as well as exceptions. Do not write that the €5,000 threshold automatically governs every document request. Identify the relief sought and take advice on whether an exception or a different procedural rule applies.

The competent court for a residential lease is usually the juge des contentieux de la protection, or JCP, the French judge responsible for many individual-protection and residential-tenancy disputes. Article L. 213-4-4 of the Code of Judicial Organisation gives that judge jurisdiction over actions connected with a residential property lease or occupation contract. Read the official provision on Légifrance and check the court for the location of the French property. The fact that the former tenant now lives in Britain does not normally transfer a French tenancy dispute to a British court.

The way the claim is started depends on its value and nature. Article 750 of the Code of Civil Procedure states that a claim is normally made by assignation, a formal claim served on the defendant, and can also be made by requête, an application filed with the court, when the amount does not exceed €5,000 in the cases provided by the rule. The current official text is on Légifrance. A lawyer or the court registry should confirm the right form before filing.

A request for a missing receipt is generally an obligation to provide a document, not a classic debt-collection claim. Do not use an injonction de payer, the French fast-track procedure designed to recover an unpaid monetary debt, merely because the word “payment” appears in the background. The claim may ask the court to order delivery of the relevant quittances or receipts, possibly subject to an astreinte, a daily financial penalty designed to encourage compliance. If money is also claimed, set out the monetary calculation separately.

Article 1217 of the Civil Code sets out the remedies available when one party fails to perform a contractual obligation. It includes the right to pursue performance in kind and to seek compensation for consequences of non-performance. The official Article 1217 text should be read with the specific tenancy rules and the facts of the case. For a receipt dispute, performance in kind may be the central remedy; compensation requires evidence of a loss caused by the refusal.

A British tenant should state the requested months precisely in the court papers. Attach the lease, the payment table, representative bank records, the formal notice, proof of delivery and the responses. Explain the difference between full and partial payment. If charges are disputed, identify whether the issue is the absence of a separate breakdown, an alleged unpaid balance or the amount of recoverable charges. Do not ask the judge to order a document for a month that the evidence shows was never paid in full.

Cross-border service deserves attention. Use the landlord’s address in France and the agent’s legal address, not only an informal email address. If the landlord has moved, a French property register, the lease file or a recorded address used for the deposit may help. A British address for the tenant is useful for correspondence but does not change where the defendant is served. A French commissaire de justice, the current name for a judicial officer, can advise on service and enforcement. If a lawyer is instructed, give a written authority and an organised evidence index.

Language can create avoidable cost. A British tenant can prepare an English chronology for the lawyer, but French proceedings and exhibits may require French drafting or translation. Do not translate a bank statement in a way that hides the original currency, payer or reference. Keep the original next to any translation. A short French summary of the request may help the landlord or court, but the legal analysis must match the French lease and the exact documents.

There is no sensible reason to delay indefinitely while searching for a perfect file. Start with the lease, the payment schedule and the formal demand. If the landlord answers, update the table and decide whether only a few documents remain missing. If the landlord remains silent, the silence and delivery proof become part of the case. If an agency claims that the owner’s account is different, request the account statement and keep both versions. The objective is an accurate record, not a larger volume of correspondence.

Limitation should be checked rather than guessed. Article 2224 of the Civil Code provides a general five-year period for personal actions from the day the rights-holder knew or should have known the facts allowing the action. The official rule is on Légifrance. Classification, a special tenancy rule, an acknowledged debt, an ongoing refusal and the relief sought can affect the analysis. Treat five years as a starting issue for legal review, not as permission to discard older evidence or as a universal answer.

If you seek an astreinte, explain why a simple order may not be enough and propose a proportionate amount linked to non-compliance. If you seek compensation, identify the event that caused the loss, the amount and the supporting document. A future landlord’s refusal should be evidenced by an email stating that the missing quittance was the reason for rejection. A general statement that the document was “useful” is weaker. Courts distinguish the right to receive a document from the financial consequences of not receiving it.

Costs should also be realistic. A former tenant living in Britain may need to budget for a French lawyer, translation, service and travel or remote participation. Some steps can be handled in writing, but the court will determine the applicable hearing and representation requirements. Ask for a written scope of work: document request only, deposit and charges as well, or a full damages claim. Include the possibility of settlement if the landlord supplies the missing records after the case starts.

The strongest file usually follows a simple sequence:

  1. identify the tenancy regime, the named parties and the exact paid periods;
  2. separate full payments, partial payments, unallocated payments and unpaid months;
  3. download the cross-border bank and platform evidence before accounts close;
  4. send a precise free-document request to the landlord and agent, with express email consent;
  5. send a tracked mise en demeure if the first request is refused or ignored;
  6. consider a conciliator or CDC where the wider tenancy dispute makes that route useful;
  7. ask the JCP or a French lawyer to confirm the correct claim form and relief;
  8. keep the receipt request separate from the deposit, charges and damages calculations.

That sequence is particularly important for a British former tenant because cross-border facts can distract from the narrow legal question. Currency, address, immigration status and the end of the lease may explain the landlord’s objection, but the court will still examine the lease, the sums paid and the document requested. The legal file should make those facts easy to verify.

Conclusion

A French landlord or managing agent cannot refuse a quittance simply because the tenant is British, has returned to the United Kingdom or ended the lease. For a fully paid period, Article 21 of the 6 July 1989 law requires a free document detailing rent and charges. For a partial payment, the appropriate document is a receipt for the amount actually received. An account notice that merely states what was due may not replace either document.

The practical answer is a month-by-month evidence file, supported by the lease, cross-border bank records and written correspondence. Ask for the missing documents with a precise schedule, preserve proof of delivery and avoid withholding rent or confusing the request with a security-deposit claim. If the refusal continues, an amicable route may resolve the issue; otherwise, the residential-tenancy court in France can be asked to order delivery, with any compensation supported by a separate proof of loss.

Brexit does not remove the protection supplied by French tenancy law. It does make proof, service and document handling more important. A former tenant who keeps the original records, identifies the correct recipient and asks for the legally correct document has a much stronger position than one who sends only a general complaint about “missing paperwork”.

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Source : Cour de cassation – Base Open Data « Judilibre » & « Légifrance ».

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Thank you to Maître KOHEN for his analyses of recent case law regarding fraudulent concealment in real estate sales. This reinforces my decision to pursue an action for rescission that I am considering after acquiring a house affected by serious defects intentionally concealed by the seller and not reported by the real estate agent; also defects (rising damp) characterized by progressive through-cracks and damp patches, not reported by the real estate agent… Worse, defects concealed by the latter or on his initiative under a coat of paint and polystyrene tiles glued to the ceiling of a bedroom. And said real estate agent was the drafter of the preliminary contract, which naturally contains no information regarding any of these defects. I would just add that, being 77 years old and suffering from cognitive impairment, I am certain the real estate agent thought I would not be able to uncover the deception and, above all, characterize fraudulent intent, let alone initiate legal proceedings given the complexity and length of the process... That is why I am opting for criminal proceedings, insofar as the intentional concealment of defects by the seller and then by the real estate agent

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