Reasons Why Landlords Shouldn’t Accept DSS Tenants

Before 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.

1. DSS Tenants have financial difficulties

Whatever the case may be, whether we’re talking about genuinely sincere and deserving claimants, or piss-taking parasites that prefer to leech off the Government than make a real effort of climbing out of the system, all DSS tenants are shackled by financial restraints. If they weren’t, they wouldn’t be claimants. That instantly makes them ‘high-risk’

Being a landlord is about managing risk, but more importantly, minimizing risk. And since this is a business based on cash, we need to do whatever we can to keep the cash flowing, and that’s easier to do when you’re dealing with tenants that don’t have financial restraints. But for a better example, we can use banks and their policy for loaning. Would a bank give a loan to someone on DSS? Very unlikely. Why? Because it’s unlikely they’ll have the means to make the repayments.

Why should landlords think any differently than banks? They really shouldn’t. Fundamentally, we’re all talking about exchanging commodities.

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.

Historically, many DSS tenants caused a lot of anti-social problems for Landlords, but we tolerated it because rent was guaranteed- directly into our pockets. But since tenants have been responsible for their own allowance, there’s been a predictable rise in tenants failing to pass on the rent, and presumably spending the money on other things.

The only real security and compelling reason landlords had to accept DSS tenants 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, the tenant will have to cover a shortfall of £100. Bearing in mind, a lot of DSS tenants aren’t working, so it’s important to recognise that the money coming in won’t necessarily be enough.

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 demand a higher premium to do so, you kind of have to put the dots together and realise that their figures show high claims when DSS tenants are involved. If that wasn’t the case, they’d happily insure.

These insurance companies aren’t fools, so it’s safe to follow their lead.

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 them.

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. Claimant allowances can randomly change

I’ve been in the situation where my DSS tenant’s allowance entitlement randomly changed overnight. I didn’t get any warning from the local housing association, no notifications, just an unexpected phonecall from my tenant informing me rent would be short this coming month because their allowance had been slashed, and there was nothing they could do about it.

For several months she was receiving £400pcm, the next month it had been slashed down to £300 for some reason that will never be disclosed to me.

You’d think the landlord would be entitled to a warning from the council, but apparently discussing their clients’ personal finances is a breach of data protection regulations. Do me a favour, seriously! Meanwhile. I’m left with a tenant that can’t afford the rent.

Anyone else got anything to add? If so, blurt your stuff…

559 Comments- join the conversation...

Showing 509 - 559 comments (out of 559)
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Master Jack 28th May, 2014 @ 12:19

BENJI/PRESIDENTPETERS.

Private Landlord is beginning to sound like a dirtier word than DSS!

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Allan 28th May, 2014 @ 13:07

Up and down the country the councils have built mid market rental property and will only rent to workers, so why should private landlords take the risk when the councils won't. here in Edinburgh they have decanted lots of the problem tenants to private landlords and what a problem it is ,some nice areas have been decimated

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Allan 28th May, 2014 @ 13:18

Over the last six months my friend who is on the council housing list has been offered three brand new council flats throughout the city .they are mid market rent and only being offered to people in employment ,the councils are desperate to fill them with working people .if you are unemployed you won't get offered one

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Grandma 28th May, 2014 @ 13:42

Allan @510 - 2 points in your post:
"Up and down the country the councils have built mid market rental property and will only rent to workers" - is that true? Can you tell us more? I didn't think they were allowed to do that! Are you saying that councils actually say in policy docs. " If you don't have a job you don't get a council property"? If so, why aren't the voters outside the council offices protesting?
Point 2. "here in Edinburgh they have decanted lots of the problem tenants to private landlords" This is such a chicken and egg situation. You get a tenant of the council who is a bad tenant. The council evicts them. Then because of badly devised benefits policy the DSS has to pay their rent. So they go to private landlords. Some private landlords ARE unscrupulous so take on tenants with bad council records. So ALL DSS tenants get a bad name. And those landlords tend to buy property in the same area, so the areas go down. And so do the prices. So more houses can be built. DSS tenants SHOULD NOT HAVE TO RENT FROM PRIVATE LANDLORDS! We should build social housing for all low paid or DSS tenants. And - if they did not behave in a socially acceptable way ( and most DSS tenants are more than happy to do that!) and got evicted - that's it - NO housing benefit. No rent paid to a private landlord. No home. This would encourage the less socially minded portions of our society to make a bit more effort to fit in, and we'd all be saved a lot of money.
On another point, while I'm at it, I was listening to an economics programme on RAdio 4 the other night - did you know that only 10% of the land in GB is built on? One of the major causes of housing shortage in this country is landowners holding onto land that could be built on so that the prices go up . It's not the councils, or the builders, or the private landlords, or the immigrants that are the main cause of trouble, it's the bloody fat cats, whether they are aristocracy, bankers or nouveau riche. Oh no wonder I want to spit blood.....and I hope the mainline political parties look at the latest UKIP results and realise how much they are out of touch with the common people....

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Grandma 28th May, 2014 @ 14:10

Allan @511 - Which council is that? Have you or your friend asked to see the councils housing policy document? Or informed the local paper? If a council IS behaving like this, they should be "outed"

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Allan 28th May, 2014 @ 14:26

Re Grandma
Hi just off the phone to my friend and he has another flat to go and see so that's now 4 he has been offered they are 1 bedroom flats brand new with carpets and white goods .they call them mid market rent £400 per month + council tax . So they are getting around who they offer them to they are offering to single workers it could be the DHSS won't pay housing benefit for them and councils won't admit the policy to just give to workers but that is what is happening usually when you refuse a flat you go to the bottom of the pile but these developments are getting rented to workers only

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Grandma 28th May, 2014 @ 14:30

PLEASE let us know which council this is?

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Allan 28th May, 2014 @ 14:54

Grandma
I won't go it to details because of spoiling it for my friend but I would like to bet that if one council is doing that then they all will .councils have upped the game to get rid of problem tenants and move them to private landlords .The problem is when the private landlord gets shafted and loses money then he won't make the same mistake again and just won't take the chance with DHSS .I had a horrific problem which cost me a fortune . So I would never rent out to DHSS again is this unfair yes but it's about survival .

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Master Jack 28th May, 2014 @ 15:23

ALLAN.

If councils are getting rid of tenants and, as you maintain, sticking private landlords such as yourself with them how would they manage that when you and all other landlords won't accept tenants who receive benefits????

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Benji 28th May, 2014 @ 15:32

Grandma,

I think Allan means housing associations rather than council housing in the usual sense. See these;

https://hillcrest.org.uk/Northern+Housing/Mid+Market+Rent/2092/Q10+Edinburgh/
Those applying should be able to pay rent without the aid of Housing Benefit
Applicants should normally be economically active

http://www.castlerockedinvar.co.uk/find_a_home/homes_to_rent/edinburgh_-_mid_market_rent.aspx
You need to earn a minimum of £1,000 a month and have a maximum income of £36,000 per year.

All legit and above board.

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Allan 28th May, 2014 @ 16:07

Master jack
You answer your own question ,this has been going on for a long time and as the supply of private landlords willing to rent to DHSS diminishes, somewhere along the line private landlords all get shafted all it take is one bad one .The good DHSS tenants get tarred with the same brush .If I have learned anything never get involved with someone that has not got skin in the game (ie there own money ) . And if your a landlord you will learn this very fast. I tried to advise a relative who was renting out a £250000 house but he new best . He rented it out to a family with references on the DHSS all went well for three months they then withheld the rent. It took 8 months to get them out. They trashed the house stole all the fixtures even the lead off the roof. The house was repossessed by the bank and sold for £140,000 the bank are now looking for the short fall £60,000 not to mention his own money that he put in to buy it .this is what frightens the landlords because most are just getting enough to pay the mortgage and insurance.renting is a learning curve and if you want to survive it you better learn fast .yes there are a lot of descent people on DHSS unfortunately the bad ones spoil it for them . Could a working Tennant do this yes but in 30 years I have never had a working tennant shaft me .councils advise DHSS tenants to stay until the are evicted by court order costly for a landlord .

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Master Jack 28th May, 2014 @ 19:00

ALLAN

I fail to understand your belief that I answered my own question? Be that as it may I believe it simply highlights the way you wrongly interpret things or, you didn't understand the question. You maintain councils are evicting problem tenants and passing them on to private landlords. Again, I ask, how do they manage that as they can't force landlords to accept them! Private landlords, who are in it for gain, could simply ask a potential tenant where they are/were residing previously and why they left/are wishing to leave. If it's a question of eviction then rightly so a landlord should refuse to rent their property to such persons.
One should learn to differentiate between applicants! Persons are on benefits for a variety of reasons which I won't go in to. My circumstances, along with many other retired persons, are different to unemployed persons. When the government reduced housing benefits I, personally, had mine reduced by almost £65 a month. I chose, without the landlords knowledge, to make up the difference so my landlord didn't lose out. I consider myself to be an excellent tenant and I've been a tenant at my current address for the past five years. However, if want to move on, for whatever reason, I will be viewed by landlords such as yourself as high risk because I'm on benefits.
I resent your comment re people who 'Don't have skin in the game' suggesting they don't have any money. For your information a person doesn't have to be on their uppers to qualify for benefits! They may be on a permanent low income but are still allowed to have up to £10,000 in savings. So, many of them do have some 'Skin in the game' and may choose to use some of those 'skins' to offer six months rent in advance to fool landlords such as yourself! There's more than one way to 'skin' a cat!

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Allan 28th May, 2014 @ 20:25

Master Jack
I resent that war criminal Tony Blair made £13million last year but some times the facts can be sobering .your reply 'Skin in the game' and may choose to use some of those 'skins' to offer six months rent in advance to fool landlords such as yourself! There's more than one way to 'skin' a cat!
Highlights the problems to be aware of
, time to buy you're self something nice with your ten grand to perk you up ,the time to use the victim card has long gone .the world is changing fast and by the end of this year it will be a brave new world for us all
Best regards

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Master Jack 28th May, 2014 @ 22:55

ALLAN

Whilst you may resent what others make, Tony Blair, etc, that's your problem. You have your way of making money and he has his and it's no business of yours or mine!
You assume too much. I didn't say I had £10,000 to do anything with! I simply gave you an example. I in turn would advise you to take some of your profit and invest it in further self education as your English, punctuation, and spelling is sadly lacking and it offends my eyes and I'm just as sure listening to you would offend my ears.

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Allan 29th May, 2014 @ 09:56

Master Jack
So your offended by my reply ,is a pity your not offended by a WAR CRIMINAL TONY BLAIR responsible for the death of thousands of family's not to mention the British soldiers. That's everyone's business. You are stuck with this ME ME ME attitude, the world does not owe you a living, so you are willing to turn a blind eye as long as your ok disgraceful .
Dig out your hair shirt and move on I have wasted enough time on you .
Just remember natural selection will get the uniformed and unprepared

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Benji 29th May, 2014 @ 10:05

@Master Jack,

"offer six months rent in advance to fool landlords"

It may help a landlord to mitigate the risk of a dodgy tenant but the only landlords you will fool with this, nowadays, are the incompetent or the criminal.

6 months rent, no questions asked, would set alarm bells ringing for any half decent landlord.

It can also raise complications with the tenancy period and deposits.

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Master Jack 29th May, 2014 @ 19:14

ALLAN

I'll have two of whatever you appear to be drinking prior to hitting the keyboard!
I have mentioned previously your lack of command of the English language and your inability to form intelligible sentences using correct words, spelling, and punctuation. For example: Descent should read decent. There should read Their. New should read Knew. Tennant should read Tenant. Your should read You're. You're self should read Yourself. I hope you don't have to write too many business letters.

No, I'm not interested in what Tony Blair got up to! If he's responsible for the death of families (Note the correct spelling) it's none of my business! It has nothing to do with what this forum is about!

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Presidentpeters 29th May, 2014 @ 20:53

@masterjack

Nit picking over spelling and grammar- the go to weapon of the floundering keyboard warrior.

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Master Jack 29th May, 2014 @ 22:52

PRESIDENTPETERS

You have already shown your ignorance on a subject (486) so you'll forgive me if I don't respect your opinion. If YOU are going to accuse me of nitpicking (not Nit Picking) at least get it right!!! A floundering keyboard warrior? I fail to see any evidence of my floundering. It has been my experience that what one accuses others of they are usually guilty of themselves!

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Grandma 29th May, 2014 @ 23:45

Allan, Master Jack ( And PP, tut, tut!) - when you contribute to an open forum, you have to expect all sorts to contribute - it would be lovely if we all had a degree and understood the best process for debate, but that's just not the case. So can we please stop the infighting and get back to the subject? People on both sides of this forum have valid points they want to contribute, even if some of them don't know how best to express them. Or even understand why they are in the position they are in. There's a chance that something someone says might help.

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Master Jack 1st June, 2014 @ 13:00

GRANDMA

It goes without saying that one expects all sorts to contribute to an open forum and not everyone has a degree, including myself! However, one doesn't need a degree to spell, only a dictionary! Of course, one does require the ability to read English and have some idea of how the words one wishes to use are formed! Regarding ALLAN, I'm sure many DSS tenants are far more educated and intelligent than he appears to be!

Getting back to the subject matter it appears to me it's a 'them and us' situation. On the one side we have such 'landlords' as ALLAN, mentioned above, who I can only visualize as a slum landlord for reasons already stated. BENJI, who is obviously suffering from a severe case of DSS paranoia and, like PRESIDENTPETERS, believes he knows everything. What is glaringly obvious, none of them will budge on their opinions and beliefs. On the other side we have the DSS who, no matter what opinions or argument they put forward in their defence does, and always will, fall on deaf ears.
The landlords mentioned above are probably those who used to happily rent their properties to DSS tenants but, when the government decided to pay housing benefits
directly to the tenants and then later capped those benefits, said landlords reacted like rats deserting a sinking ship! No doubt they recognised the problems this presented them with, having difficulty renting slum accommodation to prospective tenants, having to do repairs they'd normally ignore, the possibility of tenants withholding rent until such repairs were carried out. I don't believe the government decided to pay housing benefits to the tenant instead of the landlord in the hope it would make a tenant more responsible. No, I believe the government came to realise they were paying housing benefits to too many slum landlords so they decided to save money by placing the responsibility on the shoulders of the DSS tenant. If a person can't rent a property from a private landlord he obviously won't receive any housing benefit until he does and at the same time they deprived slum landlords of a guaranteed income. Clever move.

There are landlords out there who don't practice discrimination and who are making good money from DSS tenants and smiling all the way to the bank. Good luck to them say I.

I've indicated previously that DSS has become a dirty word, made so by landlords similar to those mentioned above. Yet I wouldn't mind betting they, or members of their families, have received some kind of benefits or grants in their lifetime just as the people they condemn.

Grandma, you believe the government could solve the problem by building more houses? People who have invested in their own homes don't want council estates on their doorstep with all the problems that might bring. I, personally, don't want to live on a council estate either, for the same reason, so I'm happy to rent from a private landlord and if I have to go without some 'minor' luxury in order to bridge the gap so be it.

You still believe there's a chance that someone might say something that will help? Well, this particular forum has been running a long time, and as long as there are landlords such as those on here there's nothing anyone can say that will help to solve the situation between them and those on housing benefits.

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Benji 1st June, 2014 @ 15:56

@Master Jack,

I let good properties to DSS (sic) and have done for some time. I certainly don't believe I know everything but your comments show that I know a lot more about it than you do.

What I don't do is let properties to dishonest people with a chip on their shoulder who try and 'fool' me about their circumstances.

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Benji 1st June, 2014 @ 16:07

P.S Your use of the pronoun "one" is laughably pretentious in the context you have used it.

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Master Jack 1st June, 2014 @ 17:43

BENJI

That you let properties to people receiving housing benefits is encouraging, if true!

I don't believe I've indicated that I know more than you about letting out property.

If you are suggesting I'm dishonest, with a chip on my shoulder, and in the habit of fooling people you are sadly mistaken! I don't need to be dishonest. There's no reason for me to have a chip on my shoulder. And I haven't tried to fool you or anyone else re my circumstances.

However, if I managed to get up your nose then I achieved my goal. :)

Happy lettings.

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Master Jack 1st June, 2014 @ 18:11

BENJI

PS. In your haste to respond you made a mistake, sic should appear in 'square' brackets. [sic] Not (sic). Never mind, we all make minor mistakes from time to time. No one is perfect, not even me. :)

I'm afraid I must end my responses now as I have to finish packing for a 10 day cruise. I have a three hundred mile journey ahead of me starting tomorrow morning. The question is which car should I take? The Jag, my white classic MR2, or my silver MR2 G-Limited Rev 3. Mmmmmmmm. Decisions, decisions. I'd better take the Jag as the boot offers more space for my luggage.

Byeeeeeeeeeeeee.

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Presidentpeters 1st June, 2014 @ 18:23

@MJ

How cringeworthy.

Enjoy your cruise, hopefully in the burst of "jet set" lifestyle outlined above you will forget this thread...

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Benji 1st June, 2014 @ 19:48

@Master Jack,

Your previous posts boast about being dishonest to landlords. If that wasn't true then your posts are, erm, dishonest. Either way...

My only minor annoyance is that you have further discouraged landlords from taking on the majority of honest 'DSS' tenants, which is a hard enough battle as it is.

But you've made up for it by calling a Toyota MR2 a "classic"!

-Best laugh I've had in ages.

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Master Jack 1st June, 2014 @ 19:49

PRESIDENTPETERS

Ha ha ha, Jealousy will get you nowhere, ducky.

Somewhere in this thread a lady called you PRESIDENT PRICK, aptly so.

Yes, thank you, I will enjoy my cruise, both in my Jag and on the cruise ship.

Of course, it isn't my first cruise. In fact I've probably wrung more salt water out of my socks than you've sailed over, or likely to sail over.

There's nothing to compare with a 'jet set' lifestyle old son. You should try it.

'Cringeworthy's' feeling good, sport.

Try as you might, you can't annoy me PP (Pee Pee) I've been dealing with smart asses like you all my life.....successfully too. :)

Relax, be happy. I won't be thinking of you...........except maybe when I have to use the bathroom.

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Benji 1st June, 2014 @ 19:53

P.S The Mersey ferry is not really a 10 day cruise, you just need to remember to get off on the other side.

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Master Jack 1st June, 2014 @ 20:51

BENJI

As I mentioned earlier, you THINK you know it all but you don't. You are a complete ignoramus.

Highlight, in any of my posts, where I have boasted/claimed to be dishonest with any landlord. You can't! No, as usual, you assumed I was dishonest. I wasn't dishonest in my posts either. You should have gone to Specsavers.

I negotiated my first rental through a reputable estate agent from a distance of over 6,000 miles via email and the telephone over 5 years ago. I told the estate agent I was prepared to pay six months rent in advance as a show of good faith. After a discussion between the agent and the owner my offer was accepted. On arrival I found the property not to my liking and gave notice and left six months later.

I came across my current accommodation almost immediately but when I applied I was informed by the agent that they had received lots of applications and as I would be 'last in' I wouldn't have a chance. Nevertheless, I drove 30 odd miles and filled in an application form and when asked how I would be paying I indicated I would be paying six months in advance and then monthly by direct debit. I offered the six months rent because I was determined to get the property. I then went to look at the property and was met by the owner who showed me around. Two days later the agent phoned to say the landlord had accepted my offer.

I fail to see how anything I've said could possibly discourage other landlords from accepting honest DSS tenants. You really are full of it.

"But you made up for it by calling a Toyota MR2 a "classic"!
"Best laugh I've had in ages" Unquote.

Your ignorance knows no bounds. For your information a car becomes a classic when it is 20 years old and remains a classic until it's 45 years old, or thereabouts, when it becomes an antique. Mine is a 1990 model which makes it 24 years old, just in case you can't find your calculator.

If that truly is the best laugh you've had in ages you really need to get out more!

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Master Jack 1st June, 2014 @ 20:56

BENJI

PS. I wouldn't know about the Mersey ferry. I've never been on anything that small. However, I am of the opinion that you have just just got off it!

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Benji 1st June, 2014 @ 22:29

@Master Jack,

You asked-

Highlight, in any of my posts, where I have boasted/claimed to be dishonest with any landlord.

See post 519;

"offer six months rent in advance to fool landlords such as yourself!"

And post 486;

"when applying to rent a property don't mention you might be availing yourself of Housing Benefits...

...Worked for me!"

Right, now that we've established the level of your honesty...

How about some more info about your "classic" G reg Toyota? Is the coachwork really finished in traditional old Japanese racing white? Have you fitted a body kit and furry dice or just kept it to original? It must be turning some heads at the concourse competitions.

Better hang on to the silver MR2 G-Limited Rev 3 as well, once that becomes a "classic" too, it might be worth even more than 500 quid!

And once they become 45 years old, well... the sky is the limit for antique Toyotas. Collectors will be queuing up for them.

Best cancel the ferry and nip out and buy a few more before they are all snapped up.

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Master Jack 1st June, 2014 @ 23:49

BENJI

You really are a moron! Didn't you understand the question. What are you, Irish? Just off the ferry?

Post 519. Forgive me, unlike you I can't be bothered to read it. I repeat, where have I boasted about MYSELF being dishonest in my dealings with ANY landlord? Where?

Post 486. "When applying to rent don't mention you MIGHT be availing yourself of housing benefits" "Worked for me" Well, in a sense, I suppose it did.......6 months later! So, after reading about the plight of many people unable to rent a house because of landlords who refuse to accept people claiming housing benefits I suggested a way around that problem. However, I repeat, I wasn't guilty of that.
Sorry to disappoint you but you haven't established the level of my honesty or dishonesty!

I keep telling you that you should have gone to Specsavers. I didn't claim to have a classic G Reg Toyota! In fact I never mentioned the word Reg!!!!!!!!! To save you scrolling, what I said was, I have a classic Toyota MR2 and, yes, it is the original, white coachwork. No additional body kit or furry dice, I leave that to idiots like you.

Yes, I intend hanging on to both, not for the increasing value but for the simple pleasure of driving them. £500? Like I said, you should get out more.

You really are a very childish, immature individual. You keep tripping over your bottom lip in your desperate attempts to score browny points. All you've actually managed to do is make a fool of yourself.

You and President Prick are a couple of keyboard warriors who sit on the sidelines waiting to pull other peoples posts to pieces. The pair of you need to get a life or move in together.

You keep harping on about the Mersey ferry, have you got shares in it? Perhaps you rent it out to day trippers, that would be about your style.

Grow up!

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Master Jack 2nd June, 2014 @ 07:26

Time to forget about landlords & DSS problems and enjoy the 'Jet set' lifestyle I've been accused of living. :)

Bon Voyage.

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Benji 2nd June, 2014 @ 10:13

@Master Jack,

Thanks for the laughs, good look with your "antique" Toyotas!

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Master Jack 3rd June, 2014 @ 13:36

BENJI

Grow up

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Benji 3rd June, 2014 @ 17:01

Hi Master Jack,

That 10 day cruise must be damn boring if you've nothing better to do than post me insults.

Or was that another one of your little fibs?

I believe you about the "classic" Toyotas though (it still makes me chuckle:)), no one would ever make that one up!

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Master Jack 6th June, 2014 @ 12:23

BENJI

How many times do I have to tell you? You should have gone to Specsavers! I don't join the ship until June 7th! You don't really think I'd have you on my mind while I'm on a cruise do you. I wouldn't dream of insulting you, you're too thick skinned!

I don't tell fibs....I'm not a landlord!

While I'm away don't worry your little mind about my Toyota.

On yer bike, pal.

Cheers.

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Master Jack 10th June, 2014 @ 21:57

Everyone

Perhaps it is the salty air, or just having the chance to relax a little, but after much contemplation I have come to the conclusion I have stumbled into an argument one loses simply by participating.

As I gaze out at the Mykonos shoreline from my premium economy cabin, I look at the preceding discourse on this topic and can't help but feel that I have misrepresented myself. Anyone that knows me will attest to the fact I am indeed a humble and friendly sort that has actually had, on balance, an amiable relationship with the private landlords economic necessity has caused me to come into contact with throughout all of my independent adult life.

On reflection, I realise my plan of accumulating six month's rent would be a tall order for someone not in receipt of DSS, and a critic could call this naivety, but (and you may say this is the ouzo talking) is there anything wrong with a man being an idealist?

After discussing this topic with an new acquaintance, I appreciate it was not necessary to vocalise the finer things in life I enjoy. Within a thread in which many of the aggrieved complain they live below the breadline, I reluctantly conclude my boasts of fast cars and an intracontinental lifestyle were at best irrelevant to the topic and at worst, the crassest of crassness.

Phew, well I am glad to have got the above off my newly recently bronzed chest. All- Keep on trucking and stay positive and happy.

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M.H. He 19th July, 2014 @ 12:16

This blog - not just this article, the whole blog - is highly entertaining. The whiny output of someone who keeps talking about risk assessment ... yet doesn't do his homework. If being a landlord is such a difficult business and one tenant falling in arrears already endangers your own liquidity, maybe you're not wealthy enough to afford landlording. Go, search for a decent job that pays your bills!

By the way: Owning (and letting) properties is NOT a business like any other. It is about people's homes. Your investment comes second to that.

Once more: If you can't afford your properties, don't be a landlord. Take on a proper job. Work to earn your money, don't try to leach on people who actually have an income.

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Eric Dickinson 19th July, 2014 @ 13:11

M.H. He, sorry but you sound ridiculous.

I only have 2 properties and I can afford to be a landlord (even if my tenants fall into arrears). But why is that even the point? The point here is we as landlords want tenants that don't fall into arrears. Its not a case of being able to absorb the costs of bad tenants. Im sure many hotels could survive if 50% of their guests left without paying. But why would they want to operate like that even if they could?

Every business is tough and every business needs to consider risk assessment. This is nothing to do with being able to afford properties. But beyond that it's like you saying if you cant afford to fix a broken boiler, don't buy a house. Many homeowners CAN'T afford to fix their boiler if it breaks, but it doesnt mean they shouldn't own a home.

You need to get real!

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M.H. He 19th July, 2014 @ 18:39

I am very real. Housing is not a business like any other - being a landlord comes with social responsibilities. Like being a doctor. Housing is a basic need for human beings.

Treating housing like any business is simply wrong.

Laws should be in place to protect tenants and make sure that landlords are able to fulfill their duties. The German rental market does this quite fine.

What you do in your own property, while living there yourself, is nobodies business. But as soon as you have tenants, you need to be able to take the responsibility.

The whining of this underfunded, ill-prepared blogger about a job that he chose and apparently can't fill properly is really hilarious. Business comes with risk, and human business comes with high responsibility.

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Eric Dickinson 19th July, 2014 @ 18:52

I still don't understand your point. This post is about why DSS tenants are high risk. I'm not sure how you know the financial situation of the blogger based on anything here. Have you read something we haven't? I've been reading this blog for a few years and left comments frequently and i'm struggling to remember a post which indicated that the blogger is underfunded or struggling. Where are you sourcing your information from? Are we even reading the same blog articles? :S

No one wants high risk tenants and DSS tenants are high risk.

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M.H.He 19th July, 2014 @ 19:36

Yes. That you don't understand is pretty obvious. :)
It might help you to read my whole postings... but you're not required to.

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Stacey 28th July, 2014 @ 07:00

I have a big problem with this article.
I am 27, with two daughters and I am in receipt of benefits.
This does not however mean I am a bone idle, money grabbing person, riding off the governments money.
If I could work I most certainly would!
Both my daughters are two young for full time education and I cannot afford child care.
I am currently in the position that iv just ran from a very abusive and violent relationship, I'm pregnant and homeless.
Up until now I was privately renting and a upstanding tenant. Because iv left my dangerous situation, iv been left with nothing but a few suitcases, my kids, and my dog. I haven't got a penny. I am genuinely in need of government help.
But your article gives landlords a whole list of reasons not to help a person like me.
If you had any idea what being in my situation is like you would be pleading with people to change their views on dss letting.
The money from a trustworthy tenant (like me) IS guaranteed it wouldn't go anywhere but to the roof over my head, I actually care about the properties I am in and I'm certainly more caring about its upkeep than 5 partying students!
I am not a scum of the Earth, lazy, scrounger, I am mother who has fallen on very hard times and because of views like yours and unwillingness to trust I am likely to stay this way for a very long time.

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Presidentpeters 28th July, 2014 @ 07:37

Me and my partner are 26 and are having to put off having children because we want to be certain we can afford to provide for them, we know at least one of us wont be able to work until they go to school and we want some kind of safety net if we fall on hard times. I'd also like a dog but its not very practical as we both work full time and intend to keep doing so. IMO you can tend to be a lot less unlucky when you make responsible decisions.

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Stacey 28th July, 2014 @ 07:53

Excuse me. While I take you off your high horse!
My life choices are nothing to do with you.
My responsible decisions were, I was married, I owned my own home and I had my daughters with husband in a financially secure situation and like I said in my OWN home.
Yes I have been full time employed, yes I have payed a mortgage and bills and yes I am a responsible, conscientious person. You are the epitome of judgemental, to judge me by my current circumstances.
My marriage fell apart through no-ones fault, I gave my ex husband back his full house. I then got embroiled in a dangerous relationship in which my life was tied to a new man. He had full control over my finances and I was not allowed out of the house 7days a week. I was with him for three years. He had money, plenty of it, I was trapped but I was secure and as I loved him I wanted to give him the child he wanted. Once he'd got me pregnant and penniless he beat me a final time and left me.
This is now why I'm homeless.
I hope very much life doesn't turn round on you and leave your smug self in a situation like me. Because god forbid someone would class your decisions to be irresponsible.

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Grandma 28th July, 2014 @ 09:24

President Peters,
Sometimes we make mistakes - that's the human condition. You've made them, I've made them, and Stacey 554 has CERTAINLY made them. Sometimes we just need a helping hand to get back up again. Which is not to say that I think private landlords should be the ones who stick out their arm. See my one hundred and one previous posts, Build Council Houses Again.
Stacey, what is your position re. council housing? Are you in B&B? I would suggest you actually go the council offices in person as often as you can - being there shouldn't make a difference , but it does. And if you can, write to your local MP and Labour Party Executive ( you can usually email free at your local library) It's about time they woke up to the fact that the housing situation in this country is a major problem.

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Onion 17th August, 2014 @ 21:03

I belong to a family where we get help from the council for the rent, even though both of my parents work. There hasn't been a time when both of my parents didn't work. We do pay our rent on time and it's sad that everyone puts all of us in the same group. In order to rent a house we had to not mention we had dss. In the end, this article summary is that some people are scumbags and good people will suffer because of them. Nothing new.

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donna 19th September, 2014 @ 20:06

i can understand some of the reasons a private landlord will refuse dss, as the house im wanting to rent the landlord is a bit funny now as his previous tenant trashed the house, but i only work part-time as work is a little hard to come by but least im working, the girl i will be living with as been told by her doctor she isnt allowed to work at the moment so we'f both have to apply for some housing benefits we're both reliable people and are too proud to trash a house so its a shame that when people are in our situation because of the people who do screw landlords over we don't always get given a chance.

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