Reasons Why Landlords Shouldn’t Accept DSS Tenants
Written by The Landlord on 09 Aug 2009Before anyone gets firmly on my tits about this, let me just clarify, this is a follow on article from The Positives Of DSS Tenants. So please, no angry hippies or DSS tenants start protesting, this is just a simple flip of the coin.
But I must confess, this list is longer than the pro-DSS tenants’ article! My bad.
DSS tenants receive a lot of negative publicity; they are seen as high-risk due to the historical view of them being people with poor credit history who don’t look after their rented property. Of course, not everyone is the same, and I’m a firm believer in everyone being judged on their own merit. You’ll find good amongst the bad. However, having dealt with several DSS tenants, I can confirm that they can come with problems, and the odds are, they will. Harsh? I prefer “accurate”
1. DSS Tenants usually carry troubled circumstances
DSS tenants are receiving benefits for a reason, so they’re often individuals with unstable and/or shady backgrounds. I’m not trying to be a pompous prick about it, but that’s just how it is in reality.
That explains why they get thrown into the high-risk and troublesome category. Granted, in cases, there are genuine cases like unfortunate people that have lost their jobs, or unable to work due to disabilities.
2. Landlords no longer receive rent directly
At one time, DSS tenants were sought after by Landlords because the council would pay the rent directly to the Landlord. Unfortunately, that changed a few years ago, consequently tenants now directly receive rent. The change occurred to encourage the tenants to become more responsible with money.
Essentially, a lot of DSS tenants caused a lot of problems for Landlords, but Landlords tolerated it because rent was guaranteed. But since tenants have been responsible for their own allowance, a lot of cases have (predictably) cropped up where tenants are failing to pass on the rent, and presumably spending the money on other things. The only real security landlords once had is no longer there.
3. DSS tenants need to cover a shortfall
DSS tenants will typically need to cover a shortfall each month. For example, if the tenant’s rent is £500pcm, they may receive an allowance of £400 per month. In that case, your tenant will have to cover a shortfall. Bearing in mind, a lot of DSS tenants aren’t working, so it’s important to investigate how the tenant will cover the shortfall.
4. Difficult to get Landlord Rental Insurance
Rental insurance is always a useful policy to have in place, especially if you’re not 100% sure of your tenants credibility.
If your tenant fails to pay rent, your rental insurance company will cover the costs. However, many insurance companies won’t insure your rent if you have a DSS tenant. And if they’re willing to, they may ask for a higher premium than a private tenant.
If insurers are refusing to insure DSS tenants, or ask for a higher premuim, the statistics should speak for themselves. These insurance companies aren’t fools.
5. The Council are useless
I’ve already raged about how useless the council are when problems occur with DSS Tenants so I won’t drag on about it too much. Basically, on various occasions throughout my involvement with DSS tenants I’ve needed to contact the council in order to resolve some outstanding issues. It goes without saying that they have been less than helpful and added to my misery. You can read a more in-depth discussion on how the council are rubbish when it comes to providing Landlords with support.
6. Even Letting Agents refuse to deal with DSS tenants
A letting agents job is to find suitable tenants for their landlords’ as quickly as possible. If they don’t find tenants, they don’t get paid, it’s that simple. So it must say something about DSS tenants if more and more letting agents refuse to deal with DSS tenants.
When a letting agent prolongs filling in vacant properties by denying a certain type of tenant, alarm bells should ring. I’m sure letting agents have dealt with DSS tenants at one point, and on the back of their experiences, they’re now refusing…
7. Allowance amount can randomly change for your tenant
I’ve been in situations where my DSS tenant’s circumstances changed, which reflected on the amount of benefits they were entitled to. For example, they were initially receiving £400pcm, but were then only entitled to £350pcm. That can cause problems because now they have more of a shortfall to cover. Of course, you may never be aware of the change, and you’re not entitled to know why the chance occured because it’s none of the Landlord’s business (according to the law).
However, it can work both ways. In some instances, the tenant’s allowance could go up. But if it lowers, there may be a knock-on affect for the landlord.
Anyone else got anything to add? If so, blurt your stuff…
276 Comments - join the conversation...
In response to the idea that landlords " get in the way" of people who wish to have children with no means to house and support them, I have to say that the council is responsible for housing those in genuine need.
I do not offer social services. Nor do I owe any of you anything. Me having what I have does not prevent you having anything that you care to work for.
Sounds like a lot of sour grapes whining after people have made wrong choices in life to me.
Before you all start flaming me saying having kids wasn't a bad choice, I would suggest that possibly the timing of your children wasn't great if you can't afford to put a roof over their heads without handouts.
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i think the whole no DSS which is extremely frustrating by the way is discrimination and should be seen as such... i think the person writing the comments against are so very pompous if im honest. and yes you are its not reality i take care of my home and my property, i have a very nice landlady who gets her rent on time straight from the bank on a standing order
we moved in as soon as broughtm, and have decorated it, and keep it very very clean, i think no one should jjudge people on their circumstances, saying everyone who recieves HB or LHA is being discriminating how would you like me to judge you on being upper class? or a male... or where your from - its the same diffrence
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The statement that most people on benefits are unstable or shady is just about as offensive and plain wrong as it can get - sure some are, so are many not on benefits - that's what references from previous landlords are about.
Try judging the people themselves and not some label you've invented and put on them.
That sort of language, "them" ! "those people" ! "most of them are...." !
Try changing the label from DSS to, say, female, or elderly, or disabled, or ethnic and see how it sounds !
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Roz
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Some people are on benefits because although they actually do have a job, the job is low paid and rents are high. My rent is more than I actually recieve in wages a month. The government allows this free market metality for rents...its tied on with mortage rates which are far too high any way because the bankers are criminals....If we lived in a realistic world and not the world that the bankers have made impossible for us through their greed, each person would have enough to pay rent if they work.
People on benefits you seem to think are just low-lifes....because of your total ignorance you judge them. You are ignorant, arrogant and basically you have not one iota of EQ.
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Bravo to the landlord who has decided to go a head and show his prospective tenant the house inspite of all the negative advice from other landlords. Regardless of what happens in the future, by letting the property to this woman and her children,you would have made a difference in their lives and that is a true and would be successful business!
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my daughter has aspergers and dyspraxia and because of this i am on income support and carers allowance.
not all people on benefits are troublemakers, or alcoholics/junkies. i am caring for my child, and am constantly knocked back for things, even though my income is over part time work amount.it is a stigma that people should open their eyes to and realise that a lot of us are decent human beings, who are critisised unduly because of redundancy, ill health, family circumstance and other things outwith our control.
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Yes you are!! I've got a BA and am a professional and just lost my job through no fault of my own and I would never discriminate people like you have. Some pros are junkies and I think you ought to apologise to all of us for making that remark. I'm on DSS and now have 25 days to find somewhere to live because people like you are discriminating to Landlords and putting decent people like me down and all the rest that may be on DSS for health reasons. You are a disgrace.
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I hope that makes it easier for you to find somewhere to live.
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Would they be barred from renting.
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They should take this to the European Court of Human Rights and sort this "I'm not renting to such and such bollocks" once and for all.
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What a load of rubbish!
I have rented from private landlords whilst i have been in receipt of housing benefits in the past.
Of course according to this statement that must mean im an undesirable, well no actually. I have always worked and due to a marriage breakdown found myself having to claim the benefits which i was entitled to, in order to bring up my two sons.
If everyone had this narrow minded and quite frankly disgusting attitude then people who desperately need help through circumstances beyond their control would end up on the streets.
Oh and btw i have always worked, from leaving school to serving in the armed forces and after having my children.
Its time this outmoded concept was buried for once and for all.
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I kinda agree,
but the post actually said 'theyre OFTEN individuals with unstable and/or shady backgrounds'
not that all of them are.
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We are fully registered with the FSA (registration number 564939) and can be found on the FSA's register of payment service providers.
The idea behind our company is simple the tennant agrees to pay our company (Tasker Payment Services) the money they get from the LHA and the landlord gets paid from us fortnightly. All we take £4.00 transaction fee for transferring the money to the landlords bank account.
This also helps out the council because they dont have to deal with arrears and it could help the council because more landlords would want to register because they know they are going to get paid.
If you would like to visit our website http://taskerpaymentservices.co.uk/ and read a little more about us if you have any questions please feel free to ask.
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My criteria is always the same - decent refs, deposit and rent upfront (and someone I believe I will get along with during the tenancy). At present I have 3 dss tenants/families, never a late payment, never any problems, and they respect that their property is properly maintained.
So, I think its narrow minded that landlords automatically reject dss (although I understand previous bad experiences - however believe that it was a poor choice made by the landlord initially).
And, I cant stand - and have never let to DSS tenants that winge at me and expect pity - everyone has problems!
There are shitty landlords and shitty tenants, just like there are brilliant landlords and tenants, its just about finding the suitable ones to rent to/from.
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I'm 16 and live with my disabled mum for whom I also care for, I have one brother.
We were kicked out totally by surprise by my mothers parter who we used to live with. We told the council we where homeless because we had no where else to go luckly my mothers friend took us in to her 3 bed house and her 3 children it was cramped!
The council said they could do nothing about it and said we had to look for rentals and as you could imagine they all said NO DDS, we did so. we found a 3 bedroom nice house in an ideal locations and a year later the landlord puts the house up for sale without even telling us! she also did this to my mothers friend as they shared landlords. the council said we had to wait for an eviction notice before they could do anything! its always made to look like people on DDS are scrounging and rif-raf nd i've had enough. My mother despite her mental illnesses is actually one of the smartest people i know. she only wants the best for me and brother and not being able to do this because of small minded idiots is making her illnesses worse. Change is needed now!
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Why does it really matter where your rent payments come from?
So what you are really saying that anybody who DOESN'T recieving housing benefit is a decent person and has more morals than a person who is on HB?
This is pure discrimination and it is my absolute mission to bring this to higher people.
I recieve HB because I was born with Spina Bifida, I am a lower leg amputee, I suffer with chronic pain and I don't drive. There is absolutely NO way I can work at this time in my life. And trust me, I would give ANYTHING to be able to get up and go to work each day and earn my own money.
I'm very luck my landlord is a good person. He recieves his rent payments from me, in time without fail.
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If a "HB recipient" doesnt pay, a landlord has to take on The Council, Possession Order process, Legal Aid, TRO, Shelter, CAB, Lawyers R Us and Uncle Tom Cobley.
And has no chance of chasing any future earnings.
And payment is not made direct.
And it is in arrears.
Mention that to your 'higher people' and you might make a difference.
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In reply to your post a few moments ago.. All that you wrote can be totally avoided, by simply asking the renter to ask Council to pay their HB directly to the Landlord. That is a situation which should be discussed between Landlord and Tenant.. I have my HB paid directly to my landlord and top up the difference myself, I am disabled as I have previously mentioned, Thankfully I have a fantastic landlord, but then again, I have spent nearly a £1000 over the past 16 months on the garden in my basement flat alone... I worked for all of my life since aged 15, sadly no longer able to... though because my physical health is bad my brain still work, which is why I am back into university doing a degree, yet most landlords would totally discriminate against me, 1. for being on benefits, and 2. for being disabled... When it all comes down to it, how many landlords really take care of their tenants??? why is it always an 'Oh Woe is me' from a landlord... there is good and bad in everyone.. just because of a few bad apples, it does not mean that tenants are to be judged the same as Landlords should not all be judged... though if there is much more discrimination, I shall support all of those who are on HB for whatever reason.. And join with any class action to prevent this atrocity continuing through arrogance of some landlords towards their tenants...
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A good retort!
But perhaps youre not seeing where Im coming from.
I want landlords to take on 'HB' etc.
But.
It is a real pain for landlords to get paid direct- So why should they bother?
Plus as I said earlier-
-If a "HB recipient" doesnt pay, a landlord has to take on The Council, Possession Order process, Legal Aid, TRO, Shelter, CAB, Lawyers R Us and Uncle Tom Cobley.
And has no chance of chasing any future earnings.
And it is in arrears-
So why should they bother?
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Why,because im a DSS claiment not because i choose to be. Because after serving 9 year in the british army and fighting for the your right to be free! I have PTSD and other disorders.
I have for the past 3 years since i was discharged on medical grounds rented an appartment off a private landlord and not only been a good tenant but also done my fair share of improvment to the property. Now i know the bad will as outsize the good but just think why some people are on DSS. Because im on DSS and if it were'nt people like me put our lives and wellbeing on the line there would'nt be a country for you to rent properties in!
Thanks
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If youve been M.D'd for PTSD, didnt you get one or more of; a lump sum, war pension, AFCS, ill health pension etc? If not, you can still put a claim in now.
If youre still struggling, theres a lot of help available from your Regimental Association, SSAFA, RBL, combat stress and many others. They work very hard to prevent ex squaddies being homeless and will always help, however long youve been out.
If you approach a 'no DSS' landlord with the backing of one of the above organisations, many will re-consider.
I agree, landlords should do all they can to support our Armed Forces.
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were living in a sammll box in central london waiting for a house ... are little one is born in a month thankyou London ,,, Agents
half of them arent english anyway ,, what gives them the rights,,,
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You say sorry, that's not good enough, have a car crash, break your legs, realize you can't work and any pay your morgage off, loose your house and put your yourself in the situation like all off us reply to your dumb founded bullshit. You should be ashamed u fucking coward.
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The council are to blame for so much homelessness START PAYING THE RENT DIRECT TO THE LANDLORD!!
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