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

Rent Guarantee Insurance (RGI) 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 outstanding issues. It goes without saying that they have been less than helpful and outrageously rude. You can read a more in-depth discussion on how the council are rubbish when it comes to providing Landlords with support.

For a quick summary;

  • The council don’t give a shit when tenant’s don’t pay rent (even though they are giving them an allowance)
  • They actively screw landlords over when the tenant falls into arrears by telling them to remain in the property until they can be legally evicted (e.g. after they have fallen 2 months in arrears)
  • They randomly start and stop providing benefits to the tenants, and give no fair warning to the landlord. Then the landlord is effectively left with a tenant that has no income.

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 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. It’s not even uncommon for claimants to completely lose their housing benefits overnight.

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.

Most landlords take on DSS tenants on the basis that they are receiving regular financial support, and the council know that.

8. Claimants receive their benefits every 4 weeks

You’d think the council would want to make it easy for DSS tenants to receive their benefits and pay their rent on time. They don’t, which makes it a terrible proposition for landlords.

The council pay every 4 weeks instead of per calendar month (which is when rent is typically due). This may sound trivial, but it can get terribly messy when enough months have passed and the tenant’s start receiving their rent on the 15th of every month and rent is due on the 1st. You’ll soon find that the tenant has spent the allowance long before rent is due.

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

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598 Comments- join the conversation...

Showing 548 - 598 comments (out of 598)
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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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Katie Moudry 21st September, 2014 @ 14:29

You are the reason people like me, disabled and unable to work, are unable to find a place to live even though my housing benefit has continued to be paid for years. It is a fallacy that all people on benefits are high risk, or that we are unreliable. Someone self employed is a much higher risk than me.

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thinking lady 8th November, 2014 @ 09:26

Hi
I have lived through quite a lot of life events. Some pretty bad. Just noting that some people have closed shrivelled hearts and no humanity.Can be rich or poor. Labelling people 'DSS' is ridiculous and mean.Where did all this nastiness start? Was it Thatcher? I think so.Her worshippers are in control now. Her wish to get back to Victorian times is coming true. Maybe the evil witch is waving a magic wand from the afterlife.Capitalism will eat itself and hopefully those riding on suffering people's backs.Hope it's a new age.

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Barry Blust 13th November, 2014 @ 19:38

I am a pensioner with a small amount of pension credit to top me up. This is perfect for me as I get the advantage of a menu of benefits which make my retirement livable. One of these benefits is housing... the payment of up to £350/month and tax. This benefit is paid in addition to my pension of @£600. I also have modest savings and own a car. For the life of me I cannot see why I should be denied the rental of a private let flat for £350/mo. Seems to me you are lumping the good citizens in with the not so good, and refusing rents to some decent folks who would make good tenants. I also feel there is a case here for civil rights violations.

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shirley clement 23rd December, 2014 @ 00:21

To much FAMILY TAX CREDIT was paid to my tenant so they recovered it through my HB. How can they do that ? Tenant was then getting less money. Said they couldn't afford to pay the money back to me. Every problem I have had is with DSS and bloody dogs.

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thinking lady 23rd December, 2014 @ 09:07

Hi. All you intelligent landlords with money to spare should keep up with the situation. Its DWP. There is no such thing as DSS or DHSS.There is LLL. Lazy Leech Landlords.There always will be.

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Benji 23rd December, 2014 @ 22:07

http://en.wikipedia.org/wiki/Department_of_Social_Security

The old abbreviation is still often used informally. Advertisements for rented accommodation often describe prospective tenants who would be paying their rent by means of Housing Benefit as "DSS" tenants.

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Pete Cowell 30th January, 2015 @ 23:59

You sound like a bunch of judgmental snobs. Reason people have to rent privately is because there's often a housing association waiting list for years if they're not single mothers. I doubt if they would choose to pay a fortune to pay for somebody else's buy to rent property, then be ripped off when asking for their deposit back.

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shirley clement 31st January, 2015 @ 01:28

How very bitter are all these comments from the renting/DSS people here on this forum. Why are you all blaming private landlords? Why are you all so angry? What bad things have we ever done? How sad you are to tell us we are doing things wrong. It may be you that are doing things wrong. If you need to blame someone try looking in the mirror. Then stop writing nasty comments about us very nice private landlords.

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thinking lady 31st January, 2015 @ 08:50

Hi Shirl. Lazy leech landlords can feel smug and vote for more austerity for poorer people. That should cheer them up. However, things are changing in the world very quickly. Capitalism est Mort,or in its death throes. Also its DWP.Many more people will be claiming in the future from DWP not DSS or DHSS which do not exist. Wages are low,rents are high.What can that lead to? And yes poorer people can do wrong. Like not setting out to ride on the backs of others to survive instead of working.A rent cap would level the playing field and maybe stop the heartless greedy ones.But power to anyone who gives a thought to others. Ofcourse some landlords get ripped off but that's business. If you can't stand the heat don't go in the kitchen.

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Grandma 31st January, 2015 @ 11:22

It's not the private landlords - some of my best friends are private landlords. It's not the DHSS tenants - some of my best friends are on the dole. Who can blame private landlords for getting as much money as they can? - wouldn't you? Who can blame those on benefits? - most of them are in low paid jobs (despite what the Mail says, most of our work related benefits goes to people who HAVE jobs, they are just on incredibly low wages)Anyone see that programme on the super rich the other night? - this was not about rock stars covered with bling, it was about the REALLY rich - those people and businesses that keep lending to the poor and raking huge returns, buying up swathes of our cities and driving up the price of property, deferring and evading their taxes. If we carry on at this rate, we'll ALL be living on the Isle of Wight, private landlords and DHSS tenants together while the wealthy of the world roll around in the long green grass of what used to be England but is rapidly becoming a nice little piggy bank for the sticky fingered rich. There's an election coming up - vote Labour - they're not much, but they're better than the other lot. And they HAVE promised to do something about social housing ( I know, I know - politicians promises... we can always hope..)

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thinking lady 31st January, 2015 @ 17:41

Shut up grandma. Vote Labour? Do me a favour. There's a revolution coming.' We can always hope'? No get off your bum and fight. Greece and Spain getting their mojo back. Yeah. Your friends are landlords. Great. We're where we are becos of people like you voting for corporatism and Thatcher lovers. No to oppression and corruption. Evil. Miliband a sock puppet.Smell the coffee before you're facedown smelling the gutter.And no I wouldn't rip off people if I was a landlord. I would have respect not greed.

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Presidentpeters 31st January, 2015 @ 18:28

Grandma might not share you political POV (she doesn't share mine) but she is always polite so don't tell her to "shut up".

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Barry Blust 31st January, 2015 @ 18:42

Exchanging a commodity... such as a £ for a dozen eggs in Farmfood. Yet in FF they would lose their business if they only chose certain customers. No FF must take them all if they have the £.

Now certainly there is a matter of longevity and potential damage to investment, etc. And currently there is the issue of who gets the money. I believe the Landlords deserve to be protected to the extent of 100% of their investment including any damages and any back rents and any loss of rentals due to repairs.

Now it the councils cannot come up with the dosh to represent their clients in the same manner a private client would need to prove he could pay the rent, such is life. We cannot expect private investors to subsidize our housing problems. This is the responsibility of govt. No ifs ands nor buts!

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Benji 31st January, 2015 @ 18:56

@ Thinking Lady,

If you can't stand the heat don't go in the kitchen.

That is exactly what they are doing, hence all the adverts saying "No DSS".

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Grandma 31st January, 2015 @ 20:41

Dear Thinking Lady,
I'd appreciate it if you'd read to the end of this comment, which you obviously didn't with my last one. You're arguing on adrenaline, not logic. I agree with you, strangely enough, this country DOES need a revolution - but a peaceful one, back to a caring supportive and supported society. Why should DHSS tenants care how they treat private property, if they get it into their heads that the landlords are ripping them off? Why should the landlords let to DHSS tenants when they get it into their heads that they risk their investments? And I'm talking about REAL private landlords of which there are thousands - people who use it to supplement their pension (instead of applying for benefits!) People who are trying to make their lives and their kids lives a bit better. Just like the DHSS tenants. We are fighting against each other, and we are each the wrong enemy. While we keep growling " Bad Landlords!" and "Bad tenants" we are not concentrating on the real problem, and that's just what the Government and the Big Boys want - while you are fighting the other kids in the playground, you don't notice that Dad is sawing Mummy up in the woodshed. There won't be a violent revolution in this country - the British don't have that kind of mental makeup - Hitler had to actually start dropping bombs on us before we took him seriously. And, sock puppet or not, we only have two political parties in this country at present. I don't like it, you don't like it - what can you do about it? What happens if you riot? Well apart from the fact that the rioters often destroy their own communities and facilities, (not too much damage done in the City in the last riots, was there? )- the police come out fully tooled up and break it up. If that doesn't work ( which it always has in the past) the Army comes out and THEN it gets broken up with bodies and bullets. There's a lot that needs to be changed in this country, but you can't eat an elephant whole, start by nibbling at it's toenails. Shouting screaming and making wild and unrealistic claims might make you feel better but it doesn't do any good.
President Peters - your chivalry is always appreciated!

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thinking lady 1st February, 2015 @ 08:53

Grandma. Who mentioned riots. Calm down. I hate violence but I have spirit and adrenaline otherwise I'm dead. You wouldn't have a vote now if women hadn't shown courage and spirit in the past. Sure let's dream and hope. I'm sure it will lead to happiness and justice! Shouting and screaming? I don't use capitals to denote screaming. I don't have to. I'm a writer. Used to write for a local paper Grandma Yes I'm upset and angry about inequality,but I know how to talk about life and reality not pie in the sky. I'd like to hear from students, young people about their shaping world views on housing, a basic human right.Don't push Miliband on people. Other small parties can rise,and will. There aren't just two anymore.Thank God. And no I don't think that a DWP tenant on LHA's first thought would be to trash the place if they felt ripped off. Maybe the majority would be turning to the people in power locally and in Government to help them. MP,useless org.Shelter,local council.Fat chance.Question,always question. Find out what your rights are and stand up for yourself. They like you Grandma put people in boxes and are able to manipulate the vulnerable and desperate.Don't think about soldiers and guns. That's negative. Dickens said. There's Want and theres Ignorance. Beware the latter.I'm shutting up now. Got letters to write in pursuit of Justice.

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thinking lady 1st February, 2015 @ 09:10

Benji. I meant letting generally. Dealing with people in such a personal way.People in work behave badly in property too. You should get out more. I know a rich landlord.He has day to day problems with running his business. Lots of tenants to cope with.But he chose that living. He's pretty hands on,so gets his earsbashed a lot.Heating,water problems,maintenance issues, bad builders. Its not all DWP tenants.And yes he tries hard to meet all regulations and does repairs quickly.Not a bad chap overall.But getting richer every day as rents so high for so little.

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shirley clement 1st February, 2015 @ 23:59

I've never read so much rubbish in my life. Thank goodness I don't live in your world Your all quite mad. Such anger. Such twisted minds. Always blaming other people for your self inflicted problems. How did you all get this way. If you don't come to your senses you will be as miserable tomorrow as you are today.

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thinking lady 2nd February, 2015 @ 09:14

Tell us what to do. Great thinker Shirl. How do we who believe in fairness come to our senses? There are a lot of us rising now. Decent people shafted. I'm interested in your point of view if you have one. Tell us why we are right or wrong in your opinion. You can use a keyboard,use your brain. Sad world, lots of pain, fear and want.Let's laugh and have joy but let's not let the world slip into heartless greed and squash people into nothing with no human rights. You and I, and everyone else are equal in respect of rights. You are bitter. Maybe you should go into some other form of 'work' if you are a landlord.

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tjc 12th July, 2015 @ 11:28

Number 1 isnt true...i minimise tax liabilities being self employed. I could pay rent without hb but am entitled to a small amount so claim that. Get your facts straight.

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hannah 17th July, 2015 @ 13:26

Just to mention it's not only DSS tenants but people on low paying jobs who are often refused by landlords. People who are unemployed but have a lot of savings are also refused by landlords. I moved to a different city to be with my boyfriend after becoming pregnant and trying to rent here is a nightmare. He recently got laid off from his job as a professional and has a lot of savings, enough to pay rent for a whole year, but no one anywhere will accept us even for 6 month or 12 month contracts. If I live here officially for 6 months I can apply for a council flat and that's what I plan on doing. We thought we had a property secured recently but after paying the referencing fee we call the estate agent up 2 days later and are told that it's professionals only and we are paid it all back. Of course I can see this from the landlords point of view. I have lived on council estates a lot of my life and I know what people in receipt of DSS can be like. Many of my neighbors were noisy, messy, had issues with substance abuse and are antisocial. The laws also make it unfavorable for landlords to rent out to DSS tenants or even non-professionals. Paying housing benefit directly to landlords would be the best course of action, but the Tory government fails to be realistic in this stance. People whose lives and mental state are a mess are not suddenly going to become responsible with their money. Living around those sorts of people has taught me than many of them just don't care about anything. Even being on the streets is no big deal to many of them as long as they can still party and have something alcoholic to drink. Also, giving landlords the power to evict unruly tenants after a certain number of strikes would also be a good idea. Thing is the council don't want to have to re-house these people. A lot has changed these past few years for the worse. The Tory government live in lala land and their laws won't encourage anyone to be more responsible. They will just increase homelessness and antisocial behaviour.

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sigh... 23rd October, 2015 @ 11:54

what a ridiculous level of tory-sounding prejudice and generalisations... this is the reason inequality is growing... people are not their backgrounds... gonna go be sick and cry about the state of our country...

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s knight 7th November, 2015 @ 12:13

I`m a private tenant & had 3 private landlord & yes i`m on dss,i`m too ill to work & i feel very stigmatised by letting agencies who wont allow anyone on housing benefit in their doors. I had a couple of months when i had money problems, who doesnt? but i always had the money to pay the deposit & rent up front, & no the 2nd months rent wasnt late. I want to move house again and i`m finding it insane that most properties now in 2015 are only for full time working people.

I appreciate benjis comments of "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."

yea the term dss is old, it doesnt exist in modern benefit agencies ,but letting agencies all use it apparently, they also make spelling mistakes on 70% of properties they are trying to rent out...geniuses. "flat with dble glarzing, benefitz from a bathrooom" complete muppets. they stigmatize us and we aren`t the ones who are half witted.

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Kaz 20th November, 2015 @ 22:44

I'm a single mum in a good job but as I've to pay 1200 per month to my daughters nursery, I struggle with rent. At the moment my daughter and I are living on a friends sofa bed as no one will let us rent. I've had letters from my employer explaining that I'm in a safe job, yet the letting agents shut the door in my face. I'm not entitled to social housing so I guess I should stay on a sofa bed! Before you ask my ex has not helped, I've had to flee a domestic abusive relationship.

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Grandma 21st November, 2015 @ 10:04

Kaz, I don't suppose it's any consolation to you to know that you're not alone. There are thousands of families struggling with this at the moment. The problem is not just the simple one of "more social housing needed" Unfortunately successive governments have allowed the housing sector to get into this situation for many reasons,: lack of foresight, lack of empathy, lack of brains, and now have dug the entire country into a huge hole. The problem is: If the government now start to build the many, many social housing homes that are needed ( which could, actually be quite easily done)what then will happen to the private housing market? It would drop like a stone, leaving millions with negative equity and causing a horrendous run on the stock market. Now, you may say "What do I care about mortgage payers and stock brokers - I'm sleeping on a sofa!" but a financial situation like that affects us all. Look what happened to the entire world in 2008 when companies realised mortgages couldn't be repaid in the States. if you look into the figures, as a country we've ALL got a mortgage - so much British property and land is owned by the Chinese, Saudis etc. And if we don't pay it, they could foreclose. Who's sofa would the Queen end up sleeping on? So now that this horrendous boil is coming to a head, the government has the tricky job of lancing it without spraying pus all over the economy. They've GOT to do it, but I don't think they've worked out how yet. I suspect DC might be hoping to die of old age before he has to act...

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Lobat 22nd November, 2015 @ 17:44

I haven't read this forum for ages. Nothing changes - arguments bounce back and forth. Both sides offering valid views and utter dribble.

I have been extremely lucky since I first started with the forum. I first came here as a person seeking resolution on how to get housed. I found a private landlord who was realistic but no fool; we parted amicably when finally I was offered a council let in the middle of nowhere in Yorks.

Reading through the forum I can't help but feel that it might be time for the "masses" seeking affordable housing to use their collective weight to demand affordable housing from the state. Refuse overpriced private lets; leave that to those who fit the criteria of those landlords. Refuse B&B or overpriced "temp" accommodation. And then add a local letting tax to rental property and a high council tax rate for former social housing, to fund true social housing.

I perhaps live in cookoo land. Better here though, than a land of magpies.

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andrewa 22nd November, 2015 @ 18:05

@lobat,
Demand affordable housing from the state, Demand? Why don't YOU build ME a house? You seem to want me and others to supply you with "affordable accommodation"? Look up RDP housing in South Africa......50 year waiting list see squatter camps also, or 4 families in 2 room apartments.....Communist Moscow. If it weren't for private landlords in the UK there would be very very little affordable rental property in the UK.

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steve h 31st December, 2015 @ 13:27

@andrewa

"Why don't you build me a house"
Over the years, various governments have increased the gap between what is earned and what is affordable.
Those same governments have taken away major employers such as steelplants,coal mines, ship building, automotive industries and even the armed forces and replaced them with - "Nothing"
It's also fair to state that many people in this country who were unreliant on those industries supported those government moves.
So a nation of part time, low paid and even unemployed was created, but even worse, a large proportion of that nation were left with no hope, no light at the end of the tunnel and no self respect.
So people like you have taken away the ability of others to secure permanent well paid employment, you have also supported the selling off of social hosuing to private enterprise and worse still,it appears you intend to continue to deny any form of housing for the poorest in society.
You should also be aware that the position of anyone in society is dictated by geographic location of your birth and just whom it was that your mother opened her legs for.
I am sorry if that sounds crude but it is a fact of life in the UK.
Life in the UK does not present equal opportunities for all.
Social housing was sold off to win votes, rents were allowed to be increased to win votes, housing benefits was brought in to maintain those votes, zero social house building maintains those votes, surely you can understand why social house building must be a priority?
I understand why landlords do not want to rent to a certain section of society, however, present rules are forcing the majority of would be tennants to be included into that section of society which is not allowed to rent.
You can only kick a dog so many times before it bites you, the way UK society is going it is evident that eventually the people at the bottom (who are rapidly becoming the majority) will start to bite.
It is every mans right to have a home, employment and enjoy family life. Given that the first two of those conditions have already been removed, it wont be long before the public take to the streets, what price your "Private Letting" then ?

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andrewa 31st December, 2015 @ 19:18

@ Steve H
I get your point, I already have several houses whilst my son has none. In accordance with your statement that every man has a right to a home, employment and an enjoyable family life when are you going to build my son a home and employ him with a large enough salary to enjoy his family life? After all as you state it is one of his rights when are YOU going to do something about it? Or do you think it is someone elses job to provide these "rights"

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Grandma 1st January, 2016 @ 11:37

@Steve H - The reply to you from Andrewa on 31/12 - how can you even begin to argue with a mindset like that? " I already have several houses whilst my son has none"!! Poor son. Daddy's got it and daddy's gonna keep it. It does seem to be a very widespread attitude nowadays - those that have will keep, and those that don't can rot. The people who make these comments on this site are adults, educated enough to own and rent property. If they haven't learnt the basic lessons of compassion, charity and equality yet they are never going to. Shame that the Christian ethic seems to have gone down the pan in this country.(and before the anti-religion brigade leap in, I said Christian ETHIC not Christianity) Nice to see that so many people haver never needed a helping hand

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Steve H 2nd January, 2016 @ 00:06

Grangma
I fully agree, I also agree with Andrew to a degree, people should not have a house supplied for them, in the ideal world.
However, this is not the Ideal World, this is the real world where voters have consistently brought in governments who have taken away the ability of the younger generatio to earn a living to buy their own houses.
The average wage njowadays to be able to buy the average house is £50,000 +, how many younger people (or even older people) make that sort of money ?

So it's easy for people like Andrew who already owns property to sit back and say "Let them buy their own homes" my answer would be "Give them the opportunity and wages to do so and the probably will" .

Until that time, it is vital that we supply enough social housing to give homes to those whom, affetced by our past voting habits, have been denied that opportunity.
Lets also not forget that most of these people who do have their own homes actually own ex Council Homes and some have more than one.

However, I assume if you do not have the compassion and humanity to help your own children onto the housing ladder then total strangers would get no sympathy whatsoever.
Happy New Year Grandma

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Allan 2nd January, 2016 @ 01:11

As a country we are only as good as the next generation . to enslave them in debt, poverty, and no hope will only lead to tears before bedtime, 2016 is the year that changes everything, so pay attention to what is really going on, and not what they want you to believe in

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Emu 12th January, 2016 @ 13:35

I need some advice

I am trying to move out and I am having to go on DSS because I ma in full time education.

Why do landlords think that DSS tenants are high risk when they don't know the circumstances. How do they know I wouldn't be able to afford the property? Where am I supposed to live these days. In a dirty, damp grotty thing?

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Cant Rain Forever 25th February, 2016 @ 17:33

DWP, Housing benefit or DSS, is a much more stable and guaranteed payment than someone who is working, especially these days when so many jobs are hardly secure. Housing benefit can be arranged to be paid directly to the landlord. I agree the money should be paid direct to the without the option of being paid to the tenant, but the whole 'NO DSS' thing is unfair on many people. Most are just down on their luck and NO DSS is simply another kick when your down. if I was a landlord a would accept DSS :-) That is all.

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Steve H 25th February, 2016 @ 23:06

I am sure someone will correct me if I am wrong, but I do believe that the insurance companies who insure the buy to let homes stipulate that the policy holder is not covered for DSS tennants.

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andrewa 13th April, 2016 @ 20:44

@ Grandma

From your response I take it you are one of the wonderful people who has taken two Somali Muslim refugees into their home as it is their right? Or are you one of the all talk no action types?

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Grandma 14th April, 2016 @ 06:10

Thanks for the laugh, Andrew. Can’t actually accomodate any Somalis at the moment (who actually get a lot of support from various charities) as am at present housing and helping a recovering heroin addict and an ex-prisoner. How about you?

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Bob 16th April, 2016 @ 00:17

I too used to think what is the issue to rent privately to a DSS (or whatever the official term is now)? So for the last two years I have rented out my home to a lovely family who have looked after it well. My circumstances have changed and I will need to move back into my own home. I have given 3 months notice.

Not so easy!! There is a shortage of homes for my tenant to move onto. So they are advised to stay in my property until they are actually evicted. Speaking to a lawyer this is quoted as £1200 to manage on my behalf. (I could probably do it cheaper but run the risk of not getting access to my home).

I spoke to the council and they said that unfortunately there is a huge shortage in council managed properties, and very few private landlords available. I am not surprised when it is looking likely that not only will I not get access to my own property, but I will have to go through a costly eviction before the council will help my tenant.

It seems like a very short sighted view from the council to not help my tenant until they are evicted. It's going to cost me time money (which I too don't have) and effort and the last time I rent to DSS. So removing yet another private landlord from the list.

However I might consider lodgers in desperate need like the lady early on as they will have less rights and the council cannot screw me over for trying to do the right thing. Or can they?

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andrewa 16th April, 2016 @ 00:40

@ Grandma, It can be tough if your significant other is a junkie ex con. Me? We accommodated a young lady while she slowly died from aids (you cant just let someone like that with no money just die in the street if you are a decent person can you?)

@Bob, The council is run by short sighted idiots with no understanding of the law of unintended consequences. They are ALWAYS out to screw you, hence the song "We get our money for nothing and our cheques for free"

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