Agenda Document Pack - Licensing Committee - 29/09/2025
Perth and Kinross Council · 29 September 2025
Back to Licensing Committee — 29 September 2025 and its agenda
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Ambition | Compassion | Integrity Our vision is for a Perth and Kinross where everyone can live life well, free from poverty and inequality Council Building 2 High Street Perth PH1 5PH 22/09/2025 A hybrid meeting of the Licensing Committee will be held in the Council Chamber on Monday, 29 September 2025 at 13:00. If you have any queries please contact Committee Services on (01738) 475000 or email Committee@pkc.gov.uk. THOMAS GLEN Chief Executive Those attending the meeting are requested to ensure that all notifications are silent on their device and other devices are in silent mode. Please note that the meeting will be broadcast online and recorded. The recording will be publicly available on the Council’s website following the meeting. Members: Bailie Mike Williamson (Convener) Councillor Iain MacPherson (Vice-Convener) Councillor Keith Allan Councillor Hugh Anderson Councillor Bob Brawn Bailie Rhona Brock Councillor Steven Carr Councillor Michelle Frampton Councillor Neil Freshwater Councillor Ken Harvey Councillor Carol Mair Councillor Willie Robertson Councillor Alan Watt Page 1 of 28
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Licensing Committee Monday, 29 September 2025 AGENDA MEMBERS ARE REMINDED OF THEIR OBLIGATION TO DECLARE ANY FINANCIAL OR NON-FINANCIAL INTEREST WHICH THEY MAY HAVE IN ANY ITEM ON THIS AGENDA IN ACCORDANCE WITH THE COUNCILLORS’ CODE OF CONDUCT. 1 WELCOME AND APOLOGIES 2 DECLARATIONS OF INTEREST 3 MINUTE OF MEETING OF LICENSING COMMITTEE OF 11 AUGUST 2025 FOR APPROVAL (copy herewith) 5 - 8 4 GRANT OF A SHORT-TERM LET LICENCE - 11 SPECKLE PARK ROAD, HUNTINGTOWER, PERTH PH1 3XL Report by Strategic Lead - Legal and Governance (copy herewith 25/239) 9 - 28 IT IS RECOMMENDED THAT THE PUBLIC AND PRESS SHOULD BE EXCLUDED DURING CONSIDERATION OF THE FOLLOWING ITEM(S) IN ORDER TO AVOID THE DISCLOSURE OF INFORMATION WHICH IS EXEMPT IN TERMS OF SCHEDULE 7A TO THE LOCAL GOVERNMENT (SCOTLAND) ACT 1973 P1 GRANT OF TAXI/PRIVATE HIRE CAR DRIVER LICENCE - TD1520 • Exempt Reason 14 - Any action taken or to be taken in connection with the prevention, investigation or prosecution of crime. P2 SUSPENSION OF TAXI/PRIVATE HIRE CAR DRIVER LICENCE - TD1609 • Exempt Reason 14 - Any action taken or to be taken in connection with the prevention, investigation or prosecution of crime. P3 SUSPENSION OF TAX/PRIVATE HIRE CAR DRIVER LICENCE - TD2035 • Exempt Reason 14 - Any action taken or to be taken in connection with the prevention, investigation or prosecution of crime. Page 3 of 28
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Licensing Committee Minute of hybrid meeting of the Licensing Committee held in the Council Chambers, 2 High Street, Perth on Monday 11 August 2025 at 1.00pm. Present: Bailies R Brock and M Williamson, Councillors K Allan, H Anderson, B Brawn, S Carr, M Frampton, K Harvey, I MacPherson, C Mair and A Watt. In Attendance: M McLaren, S Michie, S Gibson, M Pasternak and A Brown and R Ramsay (all Legal & Governance). Apologies for Absence: Councillors A Chan and W Robertson. Bailie M Williamson, Convener, Presiding. 1. Welcome And Apologies The Convener welcomed all those present to the meeting. Apologies for absence were noted as above. 2. Declarations Of Interest There were no Declaration of Interests in terms of Councillors Code of Conduct. 3. Minute of Meeting of Licensing Committee of 30 June 2025 for Approval The minute of meeting of Licensing Committee of 30 June 2025 was approved as correct record. 4. Grant of Short-Term Licence – Greystones, Logiealmond, Perth, PH1 3TD There was submitted a report by Strategic Lead – Legal and Governance (25/189) along with a letter of objection in relation to Short Term Licence - Greystones, Logiealmond, PerthPH1 3TD. Mr J McCrone, objector was not present at the meeting. Mr Phillip Blunt and Mr Alan Farningham attended on behalf of the applicant Mrs Flavell, addressed the Committee and answered Members’ questions. Resolved: Short-Term Let Licence – Greystones, Logiealmond, Perth, PH1 3TD, be granted for a period of three years. 3 Page 5 of 28
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5. Grant of a Short-Term Let Licence – Schiehallion House, Strathtummel, Aberfeldy, PH16 5NT There was submitted a report by Strategic Lead – Legal and Governance (25/190) along with 10 letters of objection and a letter of representation in relation Short-Term Let Licence – Schiehallion House, Strathtummel, Aberfeldy, PH16 5NT. Note: Objections submitted by Peter Pejacsevich and Jan and Elise Smienk have been withdrawn prior to the meeting. Ms Alison MacLeod, Nicholas and Diana Coldwell-Horsfall, Iain Macintyre, Andrew Macintyre, objectors were not present at the meeting. Mr David Taylor, who submitted a letter of representation, was not present the meeting. Mr Ali El-Ghorr (on behalf of his wife Linda El-Ghorr), Mr David Gifford, Mr Colin Stanfield, and Ishbel McLaren, objectors attended the meeting, addressed the Committee and answered Members’ questions. (Following A Short Adjournment, The Committee Reconvened) Resolved: Short-Term Let Licence – Schiehallion House, Strathtummel, Aberfeldy, PH16 5NT, be granted under following conditions: • After 10pm on each day of stay, the garden grounds are not to be used for socialising, and no amplified music is to be played in the garden grounds after 10pm by short-term let guests. • Guests must be made aware through guidance, policies, and/or the welcome pack that they are required to comply with the rules of the Loch Tummel Riparian Society. • The day-to-day management of the property should be available to local residents to address any issues that arise regarding the letting of the property. • The contact details of their day-to-day manager should be provided to the local residents of Loch Tummel. Licence holder is to familiarise themselves with PKC policy on release of fireworks. (It was agreed that the public and press should be excluded during consideration of the following item in order to avoid the disclosure of information which is exempt in terms of Schedule 7A to the Local Government (Scotland) Act 1973.) Page 6 of 28
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P1. Immediate Suspension of Taxi/Private Hire Car Driver Licence – TD2398 There was submitted a report by Strategic Lead – Legal and Governance (25/191) along with immediate suspension request letter from Police Scotland dated 7 July 2025 in relation to Taxi/Private Hire Car Driver Licence – TD2398. Police Scotland attended the meeting, addressed the Committee and answered Members’ questions. Mr Asif Ali was not present at the meeting. Resolved: Taxi/Private Hire Car Driver Licence – TD2398, be suspended for the unexpired portion of the duration of the licence (06/05/2028). Page 7 of 28
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PERTH AND KINROSS COUNCIL – LICENSING COMMITTEE 29 September 2025 REPORT BY HEAD OF LEGAL AND GOVERNANCE SERVICES TYPE OF APPLICATION Grant of a Short-Term Let Licence APPLICANT Keliane Pereira PREMISES (if applicable) 11 Speckle Park Road, Huntingtower, Perth, Perth and Kinross, PH1 3XL THE APPLICATION Ms Pereira, the sole Applicant, has applied for a three-year short- term let licence for secondary letting. The Applicant was previously granted a three-year short-term let licence under PK13209F. At the time, the Applicant was as an existing host and was living at the premises address. The licence applied for and granted was for a home letting licence. After that application was considered by the Licensing Committee, the following Additional Conditions were attached: B.11.1 The outdoor areas are not to be used by short-term let guests for the purpose of social gatherings after 9pm on each day. B.11.2 Once installed, the hot tub must not be used by guests after 9pm. B.11.3 There will be no amplified music to be played after 9pm. The current Application is for that of a secondary letting. The Application has been validated by Licensing Officers and was sent out for consultation. Police Scotland and Scottish Fire and Rescue Services have stated they have no objections to this application. The short-term let property is a detached house. The Application is for that of a ‘Secondary Letting’ short-term let licence. The property has four bedrooms the Applicant has applied for a maximum capacity of six guests. The previously-granted licence was for the same number of bedrooms and maximum capacity. The Day-to-Day Manager is Keliane Pereira 1 Tippermuir Close, Tibbermore, Perth, Perth and Kinross, PH1 1AD. Three letters of objection have been received with regards to this Application (see attached letters of objection). RELEVANT LICENSING POLICIES The Council’s Short Term Let Policy was approved by the Licensing Committee on 22 September 2022. The Council’s Short-Term Lets Policy focuses on ensuring that an efficient, effective and proportionate licensing scheme is in place, which is customised to the needs and circumstances of the Council’s local area and supports applicants who wish to obtain a short-term let licence. The aims of the licensing scheme are: • to ensure all short-term lets are safe; • to facilitate licensing authorities in knowing and 4 Page 9 of 28
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understanding what is happening in their area; and • to assist with handling complaints and address issues faced by neighbours effectively. In assessing an application for a short-term lets licence, the Council will consider: • the suitability of the person applying and that of the other people named on the application form (whether they are “fit and proper”); • compliance/ability to comply with mandatory conditions (applicable to all short-term lets across Scotland) (copy attached); • compliance/ability to comply with any additional conditions that the Council might attach to the licence (either specific to the accommodation, or specific to short-term lets in Perth and Kinross); and • the suitability of the premises in the context of Perth and Kinross Council’s policies. The Council may vary the terms of a licence on any grounds they think fit and can do this at any time. This can be done following an application made to the Council by the licence holder on their own initiative. This could include adding further conditions to the licence. The Council will consult with the statutory consultees and any other parties it considers appropriate. Conditions attached to a Short-term Let Licence Mandatory Conditions Any Licence will be subject to Conditions. Under the 2022 Order, there are certain conditions which the Council must attach to a short-term let licence, irrespective of the type of short-term let granted, whether it is Secondary Letting, Home Letting, Home Sharing or Home Letting and Home Sharing. These are known as “mandatory conditions” and are detailed at Annex A. Please note that the Council has no power to amend these mandatory conditions. All applicants should ensure, prior to applying for a short-term let licence of any type that they are able to comply with the mandatory conditions attached to a licence. Applicants should also note that in term of listing their premises as a licensed short-term let, as required under mandatory condition 14, the listing must include the licence number provided by the Council and the valid energy performance certificate rating) if an Energy Performance Certificate is required for the premises, in accordance with the Energy Performance of Buildings (Scotland) Regulations 2008. Page 10 of 28
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LEGAL POSITION The Civic Government (Scotland) Act 1982 provides grounds for refusal of a short-term let licence. Any decision to refuse a short- term let licence must be relevant to one or more the following grounds of refusal as detailed in the Civic Government (Scotland) Act 1982:- A licensing authority must grant the application unless one of the grounds of refusal exists. If, in the opinion of the Committee, a ground of refusal exists then the application must be refused. The grounds of refusal are:- (a) the applicant or, where the applicant is not a natural person, any director of it or partner in it or any other person responsible for its management, is either – (i) for the time being disqualified under section 7(6) of this Act, or (ii) not a fit and proper person to be the holder of the licence; (b) the activity to which it relates would be managed by or carried on for the benefit of a person, other than the applicant, who would be refused the grant or renewal of such a licence if he made the application him/herself; (c) where the licence applied for relates to an activity consisting of or including the use of premises, those premises are not suitable or convenient for the conduct of the activity having regard to – (i) the location, character or condition of the premises; (ii) the nature and extent of the proposed activity; (iii) the kind of persons likely to be in the premises; (iv) the possibility of undue public nuisance; or (v) public order or public safety; or (ca) the applicant would not be able to secure compliance with: (i) the mandatory licence conditions, and (ii) the standard conditions and any further conditions to which the licence is to be subject; (cb) the application does not contain the consent of the owners of the premises; or ( (d) there is other good reason for refusing the application; and otherwise shall grant the application. In deciding whether or not to grant or renew a Licence, the Council will consider each Application on its own merits and will take into account the following: Page 11 of 28
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Annex A – Mandatory Conditions Mandatory conditions will be applied to all types of short-term let licences (as specified in schedule 3 of the Order) and Temporary Exemptions. The following are mandatory conditions and will apply to all licences issued:- Agents 1. Only those named as a holder of the licence can carry out the day to day management of the short- term let of the premises. • any Objections or Representations • this Licensing Policy Statement • any other relevant considerations OPTIONS The Committee need to consider whether the objections received relate to the activity of a short term let licence. The options open to the Committee are therefore to: • grant the application; • grant the application for a shorter period of time; • grant the application with additional conditions; or • refuse the application if one of the grounds for refusal exist. PROCEDURE • Identify parties • Consider any preliminary issues • Members of the public speak to their representation(s)/objection(s) • Committee asks any questions to the objectors • Applicant makes submission • Committee asks any questions of the applicant • Objector/s sum up • Applicant sum up • Committee makes decision Page 12 of 28
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Type of licence 2. The holder of the licence may only offer the type of short-term let for which the licence has been granted. Fire safety 3. The holder of the licence must ensure the premises has satisfactory equipment installed for detecting, and for giving warning of - (a) fire or suspected fire, and (b) the presence of carbon monoxide in a concentration that is hazardous to health. 4. The holder of the licence must keep records showing that all upholstered furnishings and mattresses within the parts of the premises which are for guest use, or to which the guests are otherwise permitted to have access, comply with the Furniture and Furnishings (Fire Safety) Regulations 1988(1). Gas safety 5. Where the premises has a gas supply - (a) the holder of the licence must arrange for an annual gas safety inspection of all gas pipes, flues and appliances in the premises, (b) if, after an annual inspection, any appliance does not meet the required safety standard, the holder of the licence must not allow a short-term let of the premises until the works necessary to bring the appliance to the required safety standard have been carried out. Electrical safety 6. Where there are electrical fittings or items within the parts of the premises which are for guest use, or to which the guests are permitted to have access, the holder of the licence must - (a) ensure that any electrical fittings and items are in - (i) a reasonable state of repair, and (ii) proper and safe working order, (b) arrange for an electrical safety inspection to be carried out by a competent person at least every five years or more frequently if directed by the competent person, Page 13 of 28
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(c) ensure that, following an electrical safety inspection, the competent person produces an Electrical Installation Condition Report on any fixed installations, (d) arrange for a competent person to— (i) produce a Portable Appliance Testing Report on moveable appliances to which a guest has access, and (ii) date label and sign all moveable appliances which have been inspected. 7. In determining who is competent, the holder of the licence must have regard to guidance issued by the Scottish Ministers under section 19B(4) of the Housing (Scotland) Act 2006. Water safety: private water supplies 8. Where the premises are served by a private water supply, the licence holder must comply with the requirements on the owners of private dwellings set out in the Water Intended for Human Consumption (Private Supplies) (Scotland) Regulations 2017. Water safety: legionella 9. The holder of the licence must assess the risk from exposure to legionella within the premises, whether or not the premises are served by a private water supply. Safety & repair standards 10. — (1) The holder of the licence must take all reasonable steps to ensure the premises are safe for residential use. (2) Where the premises are subject to the requirements of Chapter 4 of Part 1 of the Housing (Scotland) Act 2006, the holder of the licence must ensure that the premises meet the repairing standard. Maximum Occupancy 11. The licence holder must ensure that the number of guests residing on the premises does not exceed the number specified in the licence. Information to be displayed 12. The holder of the licence must make the following information available within the premises in a place where it is accessible to all guests - (a) a certified copy of the licence and the licence conditions, (b) fire, gas and electrical safety information, Page 14 of 28
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(c) details of how to summon the assistance of emergency services, (d) a copy of the gas safety report, (e) a copy of the Electrical Installation Condition Report, and (f) a copy of the Portable Appliance Testing Report. Planning Permission 13. Where the premises is in a short-term let control area for the purposes of section 26B of the Town and Country Planning (Scotland) Act 1997(4) (“the 1997 Act”), the holder of the licence must, where the use of the premises for a short-term let requires planning permission under the 1997 Act, ensure that either— (a) an application has been made for planning permission under the 1997 Act and has not yet been determined, or (b) planning permission under the 1997 Act is in force. Listings 14. - (1) The holder of the licence must ensure that any listing or advert (whether electronic or otherwise) for the short-term let of the premises includes - (a) the licence number, and (b) a valid Energy Performance Certificate rating if an Energy Performance Certificate is required for the premises, in accordance with the Energy Performance of Buildings (Scotland) Regulations 2008(5). (2) The holder of the licence must ensure that any listing or advert (whether electronic or otherwise) for the short-term let of the premises is consistent with the terms of the short-term let licence. Insurance 15. The holder of the licence must ensure that there is in place for the premises - (a) valid buildings insurance for the duration of the licence, and (b) valid public liability insurance for the duration of each short-term let agreement. Payment of fees 16. The holder of the licence must pay any fees due to the licensing authority in respect of the licence on demand. Page 15 of 28
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False or misleading information 17. The holder of the licence must not provide any false or misleading information to the licensing authority. Interpretation 18. In this schedule - “Electrical Installation Condition Report” means a report containing the following information – (a) the date on which the inspection was carried out, (b) the address of the premises inspected, (c) the name, address and relevant qualifications of the person who carried out the inspection, (d) a description, and the location, of each installation, fixture, fitting and appliance inspected, (e) any defect identified, (f) any action taken to remedy a defect, “Energy Performance Certificate” means a certificate which complies with regulation 6 of the Energy Performance of Buildings (Scotland) Regulations 2008), “gas safety report” means a report containing the following information - (a) the date on which the appliance or flue was checked, (b) the address of the premises at which the appliance or flue is installed, (c) a description of and the location of each appliance or flue checked, (d) any safety defect identified, (e) any remedial action taken, (f) confirmation that the check undertaken complies with the requirements of an examination of - (i) the effectiveness of any flue, (ii) the supply of combustion air, (iii) subject to head (iv), its operating pressure or heat input or, where necessary, (iv) if it is not reasonably practicable to examine its combustion performance, Page 16 of 28
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(v) its operation so as to ensure its safe functioning, (g) the name and signature of the individual carrying out the check, and (h) the registration number with which that individual, or that individual’s employer, is registered with a body approved by the Health and Safety Executive for the purposes of regulation 3(3) of the Gas Safety (Installation and Use) Regulations 1998(7), “holder of the licence” means any person to whom a short-term let licence has been granted or jointly granted, “home letting” means a short-term let consisting of the entering into of an agreement for the use, while the host is absent, of accommodation which is, or is part of, the host’s only or principal home, “home sharing” means a short-term let consisting of the entering into of an agreement for the use, while the host is present, of accommodation which is, or is part of, the host’s only or principal home, “premises” means the accommodation which is the subject of an application for a short-term licence or the subject of a short-term licence, “repairing standard” means the steps which the holder of the licence is required to take to comply with the obligations placed on the holder by Chapter 4 of Part 1 of the Housing (Scotland) Act 2006(8), “secondary letting” means a short-term let consisting of the entering into of an agreement for the use of accommodation which is not, or is not part of, the licence holder’s only or principal home, “short-term let” has the same meaning as in article 3 of the Civic Government (Scotland) Act 1982 (Licensing of Short-term Lets) Order 2022, “short-term let licence” means a licence for a short-term let, and “type of short-term let” means one of the following purposes - (a) secondary letting, (b) home letting, (c) home sharing, or (d) home letting and home sharing. Page 17 of 28
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SPR STL From: Kirsty Kilday Sent: 12 August 2025 18:47 To: SPR STL Subject: Objection to short term let Categories: I am writing to formally object to the short-term let application for the property at 11 Speckle Park Road, Perth, PH1 3XL. My objection is based on the following grounds: 1. Impact on Residential Amenity The introduction of a short-term let at this address risks increased noise, disruption, and transient occupancy patterns that are not in keeping with the established residential character of the area. 2. Neighbourhood Safety and Security Frequent changes in occupancy reduce the sense of community and make it more difficult for residents to recognise and look out for each other. This can lead to increased vulnerability to crime and antisocial behaviour. 3. Parking and Traffic Concerns Visitors unfamiliar with the area may increase congestion and parking pressures, which are already significant in our neighbourhood. 4. Potential Breach of Planning Intent The property is located within a primarily residential area, and its use for commercial short-term letting conflicts with the intended use and purpose of the local planning framework. As shown from the picture of evidence below, short term lets also go against the title deeds of the property. 1 CAUTION: This email originated from an external organisation. Do not follow guidance, click links, or open attachments unless you have verified the sender and know the content is safe. 4 Page 19 of 28
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I urge the council to consider the cumulative impact of such conversions on the quality of life for permanent residents and to reject this application in order to preserve the stability and wellbeing of our community. Thank you for your attention to this matter. I trust that the council will carefully weigh the concerns of local residents in reaching your decision as well as recognising it goes against the title deeds of the property. Kind regards, Kirsty Kilday 23 Normande Road, Perth, PH1 3XH 3 Page 20 of 28
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1 SPR STL From: Linsey Barron Sent: 30 August 2025 19:00 To: SPR STL Cc: Lee Barron Subject: Objection - Short Term Let - 11 Speckle Park Road, PH1 3XL Attachments: damage 1.jpg; Damage 2.jpg; Damage 3.jpg Follow Up Flag: Follow up Flag Status: Completed CAUTION: This email originated from an external organisation. Do not follow guidance, click links, or open attachments unless you have verified the sender and know the content is safe. Good afternoon We are writing to object to the short term let application in respect of: Keliane Pereira 11 Speckle Park Road Huntingtower Perth PH1 3XL Objection made by: Linsey & Lee Barron 13 Speckle Park Road Huntingtower Perth PH1 3XL Ground specified as per below. We feel that short term letting is contrary to the terms as stated in our deeds – specifically sections noted below. Deeds – Page 22 Part 2 Real Burdens Section iv) of the Estate Deeds states: Any Dwellinghouse will be used as a private Dwellinghouse only and for no other purpose whatsoever and shall never in any way be sub-divided or occupied by more than one family at a time” Deeds - Page 22 Part 2 Real Burdens Section vi) of the Deeds states: “No trade, business, manufacturing process or profession can be carried out on a plot but home working is permitted if incidental only to the use of the Plot as a Dwellinghouse for residential use Deeds - Page 22 Part 2 Real Burdens Section xii) of the Deeds states: 4 Page 23 of 28
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2 “Nothing may be done within a plot which may be deemed a nuisance or occasion disturbance to the other Proprietors in the Development or to their tenants or assignees or any other inhabitant in the neighbourhood.” In addition to the Deeds we also have several further concerns as detailed below: There has been several occasions the 9pm curfew set from the previous hearing in the back garden has not been adhered to. On initial complaining to the Council regarding this we were advised to raise concerns with the owner of the property. We have not raised any other further concerns with the owner after rude attitude in reply and threat of solicitor action due to affecting her mental health. In regards to the property being used as a short term let the integrity of the building is questionable following the front end of the house being driven in to, please find photos attached. Whether this is in connection with the property being used as a short term let or not remains to be seen. It raises the question on if the property is insured properly for the use of short term letting and as to why repairs have not been made yet. A Barrats representative has declared that the damage sustained to the property is extensive and the structural integrity is affected. There has been several instances of up to 3 vehicles being parked on the street overnight, raising the question of multiple families in the property which goes against the deeds. This is also a nuisance which is also in the deeds In the previous hearing it was declared that the property is used not only as an Airbnb but also to run a Jewelry business from – which goes against the title deeds. Airbnb is also classed as a commercial business. It has been raised in the private estate social media page that we are not the only people concerned about the use of the property. We hope they have managed to object in time to back up our objection The website for the property does not state anything regarding the curfew set and encourages on street parking and music until 10pm. Speckle Nest | Stylish 3-Bed Holiday Let in Perth, Scotland New Use Class C5 for AirBnB? - Planning Direct new use class C5 for AirBnB Letting a property through Airbnb may not be simple: Legal advice from Hanne & Co We have value building relationships with our neighbours and bought the property to raise our children in a quiet, safe, residential estate. Airbnbing is the closest thing to living next to a hotel with comings and goings every day with new “neighbours”. The property should be used to live in, or rented. Allowing Airbnbing sets a president for use of residential dwellings and we encourage the Council to act responsibly and not allow this, or at least not allow until all of these matters have been addressed as to whether it is allowed or not and also please take into the that there is a 90 day Air BNB rule which applies to residences in London and is still a grey area with stricter rules applied in Scotland. Please take this email as confirmation of electronic signing on behalf of Linsey Barron and Lee Barron. Kind regards Page 24 of 28
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3 Linsey Scott Managing Partner Contact us to discuss your risk management needs We aim to ensure you have a great client experience everytime you work with us. It would help us to know how we did today. Please consider the environment before printing this email. Please note, any requests for cover should not be assumed until a representative from Partners& has contacted you to confirm. If you require urgent cover, please contact us over the phone and we will be happy to assist. Partners& is a trading style of Partners& Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. No 00497227. Registered office MRIB House, 25 Amersham Hill, High Wycombe HP13 6NU. If you aren’t the intended recipient of this email, please delete it, as unauthorised use of its contents may be unlawful. Partners& believes this email/attachments to be free of viruses/other defects which may affect your computer and does not accept any responsibility for loss/damage from its use. We also reserve the right to intercept/monitor incoming/outgoing email correspondence. Page 25 of 28
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