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That doesn't sound right to me at all. I'd check with BCC myself.

thatbum's a lawyer, and I defer to him re the contract between landlord and tenant (or lodger). FWIW, I agree with him that the text messages are unlikely to constitute "agreement". Less important than the landlord-tenant issue, IMHO, are the possible implications for the landlord if the...

It's not the "extra people" but the "splitting into two separate parts" that I think invalidates your insurance. If the insurance company hasn't explicitly been told that they're two separate households, I suspect your insurance is invalid. Have you discussed with your local planning...

You're in the wrong on several fronts. Give them their bond back and be glad if that's the only consequence. If you don't have permission for multiple tenancy (appropriate zoning, firewalls, etc.), you can get huge fines, may have to re-consolidate the dwellings, may have to refund all...