I like My Tenant. But What Makes A Good Tenant?

As this cesspit has grown and absurdly managed to attract more eyes than it deserves, it’s birthed reason for many industry-related folk to reach out and ‘talk business’. Folk that ordinarily wouldn’t spit on on my pecker if it were on fire, let alone help me glue it back together once the flames have been stamped out. But as we all know, morals and ethics often get thrown out with the trash when it comes to business. So even when someone despises my ‘blogging style’ and general foul-mouthed tone (which is often the case), they’ll still begrudgingly try to strike up a working-relationship, because presumably they believe your precious eyes will line their pockets with cheese. And that’s all that really matters. But the thing is, those kind of unhealthy dynamics do come with some ugly consequences. Let me give you an example.

I’ve dealt with a company whereby their entire workforce only knew me by the appointed alias ‘The angry landlord’- that was their most efficient and direct way of identifying me from anyone else. Shifting that paradigm wasn’t going to happen over night- ‘The angry landlord’ is all they knew, so the shit stuck on the wall like it was cemented. I am ‘The angry landlord’

So ugly! So painful!

Don’t get me wrong, I get why, and to be honest, if I wasn’t me, and if I didn’t know the real me, and if I wasn’t completely besotted with myself, I’d definitely come up with worse names which would make your toes curl up into your asshole (don’t ask, I don’t even know what I’m saying). But even though the name-calling is understandable, it’s still always ugly when it’s about one’s self (did I just use “one’s self” correctly? One can never tell).

So while I’m well aware of why my good name is often dragged through mud by those that are only familiar with my unfiltered online ramblings, the reality is, I have an extraordinarily domineering sweet side that would rot your teeth straight out of your bacteria harbouring gob. However, with good reason, that side of me doesn’t get much airtime around ‘ere.

But today is going to be different; today I’m going to give you a rare glimpse of ‘Candy-floss’ (that’s the nickname given to my by those that know me in-real-life, because that’s how sweet I am), by unnaturally blogging without being fuelled with a gripe, which is typically the driving factor behind the majority of my blog posts. However, Candy-floss is 99% sweet and positive, so on that note, I’m going to metaphorically hump-the-fuck out of my tenant. It’s going to be a positive day.

My name is Candy-floss

Recognising good tenants

Over the years I’ve dealt with tenants of all odd shapes and unhealthy sizes; many of which have been a privilege to serve (as privileged as serving a tenant can be, which is woefully limited), while others have been as pleasurable as a couple of cysts, each the size of a football, swinging off on my nuts.

The other day I was reminded of how fortunate I am to have one particular tenant under my roof. He’s not the only good tenant I currently have, but he did something that triggered my overall love for him on that particular day. Perhaps I was having an off day, or moment; he may have caught me after an episode of Eastenders, when my emotions are notoriously high.

He didn’t do anything profoundly groundbreaking or eventful, but he did ‘one of those small things’ that didn’t go unnoticed, and they’re usually the things that make all the difference to Candy-floss. By the way, is it creepy when I talk in first-person? I feel like it is.

I guess it’s easier to appreciate those small positives when you’ve fallen victim to the wrath of nightmare tenants, which I definitely have. It’s often difficult to comprehend how people under similar circumstances can behave so differently from one another. The perspective polar-opposites can provide is quite remarkable. Yes, I’m the same person that once openly fantasised about peeling my rent-dodging DSS tenant’s flesh off with a blunt spoon so I could toss her corpse into a jar of sizzling vinegar, and here I am today, on the verge of breaking into a mating ritual with one of the better samples.

So what makes a good tenant?

Generally speaking, house-proud occupants that consistently pay rent on time. That’s what we all fundamentally want, right? Anything beyond that is usually subjective, which often depends on what kind of landlord you are, or want to be. Over time, through experience, most landlords form their own blueprint for what makes an ideal tenant.

But the irony is, landlords don’t really know whether they’ve got a good tenant until the final inspection is complete, the deposit is fairly handled, and the tenant has vacated. And that’s because many healthy landlord/tenant relationships turn to a shower-of-shit at the very last moment, when it’s time to assess damages and process the deposit, because it’s so damn easy to unknowingly get lumbered with a landlord that will do everything within his power to claw back every last penny by claiming compensation for every trivial and unjustifiable bullshit blemish, or on the flip-side, a tenant that’s willing to kill before taking any responsibility, despite how bogus the circumstances:

Tenant:

It was like that before I got here.

Landlord:

Nah, mate, I think I would have noticed a hole the size of Africa in the wall.

Tenant:

I swear on my baby-momma’s life that hole was there when I moved in.

Why I’m metaphorically boning my tenant (a.k.a why I like my tenant)

So, while every landlord has their own set of expectations, here’s a list of why I, Candy-floss, consider my tenant awesome:

  • Vacant property notification – this is that ‘small thing’ that recently triggered my hormones to overflow and spill onto my blog.

    My tenant booked a holiday so he notified me of when the property would be unoccupied, and he also notified the neighbours while instructing them to contact me in the event of an emergency. Such a minuscule action, but it’s something most tenants don’t bother doing.

  • Rent on time – never a day late, like clockwork!
  • Good communicator – responds to every phonecall, text message and smoke signal with in good time.
  • Accommodating with repairs – always allows access for repairs and maintenance, and provides several suitable days and times. The flexibility he provides is so unbelievably pragmatic, and it saves me from unbearable back-and-forths.

    I hate it when tenant’s make life unnecessarily difficult and unaccommodating, “I’m only available on the 19th September, after 6:23pm.”

    NO! FUCK YOU very much, dick-face! Please be practical!

    What annoys me the most in this situation is the complete lack of empathy, because you can bet your bottom dollar on the fact that if they were responsible for the repairs, they’d be flexible (or at least forced to be) with their precious time, because most tradesman don’t work after 6pm without applying an ’emergency rate’.

  • Reports the right repairs – I’ve had tenants neglect small leaks and mould issues simply because it wasn’t disturbing their day-to-day life, so they just blissfully skipped ignored them, as you’d expect idiots to do. But what their maggot-sized brains doesn’t realise is that those issues can quickly and effortlessly spiral out of control.

    My tenant has common sense, so he reports those aspiring disasters immediately so I can deal with them. I love him. I do, I do.

  • Grants access – he’s never had any issues with granting me access to the property, even when he’s not there to chaperone. This level of access is so unbelievably useful when tenant’s don’t have a flexible work-schedule while repairs need to be done. Granted, a certain level of trust is required, which is usually formed by the way you communicate. Also, a certain type of tenant is also required (i.e. some tenant’s are extremely cautious by nature). However, if you’re a nice enough person/landlord, trust is usually earned from the offset.
  • House proud – he keeps the house clean and tidy. Keeps it smelling good, too. I’ve walked into some proper stink-pits before *shudders*
  • Asks permission – before undertaking any work, even if it’s menial alterations that will improve the property, he asks permission.
  • Isn’t workshy – he won’t expect me to resolve every piffling little issue which a donkey can resolve. For example, a couple of months ago he noticed the silicone sealant around the kitchen sink was wearing thin, so he reapplied a fresh layer to prevent future leaks. On the other side of the spectrum, I have a lazy buffoon heating up my phone because she needs help tightening the loose screw that’s holding up the bog-roll holder.
  • Invests in his home – he actually treats the property like a home, so continually makes improvements to make it more comfortable, whether it be by hanging flower baskets in the garden, or applying a lick of paint.

Nothing on that list is out of the extraordinary, but it’s amazing how many tenants fall short, and that’s mostly because they don’t give a flying shit, or worse, lack basic common sense. Any tenant can easily do everything on my list, but the point is they don’t, and that’s why it’s important for every landlord to remain grounded and appreciate those small things.

I don’t necessarily think every tenant is required to do those things in order to be deemed a ‘good tenant’, but again, the point is my tenant does, so it creates a greater contrast between the good and the dog-shit. More importantly, it sets standards.

Now, by all means, I don’t think that’s the blueprint for the perfect tenant. My tenant is definitely not the perfect tenant- he’s done a few things in the past that got right on my tits, but overall, those trivial encounters fade into the mist. I’d be happy if every tenant of mine ticked those boxes. Of course, I have other tenants which are equally as good, but in other wonderful and giving ways.

Every landlord will have their own blueprint for what makes a good tenant, and I believe mine, like many others, is largely based on the fact that I’m a good landlord. I say that because a bad landlord would not appreciate their tenant reporting those small pesky leaks, they’d only see it as an inconvenience, because those incidents may result in the landlord digging into his/her pocket and time. Oh, the horror!

Don’t get me wrong, I consider every reported repair a total and utter inconvenience. My life becomes momentarily dark when I know I have to attend to a repair. A broken appliance is landlord kryptonite- each one kills us all a little inside. But it’s not about the money, it’s just about the entire process involved to resolve the issue, it’s just, well… bloody boring and unsatisfying. But the thing is, it’s not ONLY an inconvenience to me, it’s first and foremost a call for me to fulfil my legal and/or moral obligations as a landlord.

Law of attraction

I don’t think it’s any coincidence that I’m privileged enough to have such an awesome tenant.

I’m a firm believer in the law of attraction– “like attracts like.” Good tenants have high standards, just like good landlords have high standards, and they generally gravitate towards one another. If you’re a lousy landlord, you may want to consider that, especially if you’re scratching your ass in disarray, wondering why your tenants are screwing you over.

The law of attraction theory isn’t applicable on a case-by-case basis, because despite being sweet as caramel pecan pie, I’ve been screwed over by tenants multiple times, and in this life time or the next, I will burn them to the ground and then shit on their ashes. But from my experiences, those incidents become blips, and that’s because I don’t get derailed from wanting to be a good landlord despite my bad experiences.

While it can be compelling to cross over to the dark-side after being consecutively bent over and shafted, the “They fucked me, so I’m going to fuck everyone. Harder!” attitude rarely results in victory, so I’d stay clear from that path. I have no doubt that many have crossed over.

But I’m under no illusion; if I didn’t meet my tenant’s standards as a landlord, not only would I have lost him long ago, but he almost certainly wouldn’t be so respectful and courteous towards me and my property. We’ve been going strong for almost 3 years now.

How to find good tenants

The key to finding and retaining an awesome tenant is by being an awesome landlord. No real surprise there. But unfortunately, accessing that key does require a certain degree of common sense, which is why many get disqualified.

Thorough tenant referencing will significantly increase your chances, and it’s your best option, but it’s not bullet-proof. Don’t let anyone tell you otherwise, especially letting agents. I’m always baffled when letting agents justify their extortionate fees based on their ability to find ‘superior tenants’ over the average landlord. Of course, that’s a load of shit, and that’s why agents can’t guarantee their claim.

99% of letting agents would close their doors tomorrow if they were held accountable for every sloppy tenant they’ve historically provided their landlords. Don’t be won over by a letting agent just because you believe they have the tools and means to find you a better tenant than you ever could, because it’s not true. Just to clarify, I’m not attacking letting agents, they can’t be expected to prevent or foreseen every disaster. I’m just trying to make it clear that they can fail just as easily as any landlord.

However, I firmly believe that a landlord (with common sense) will be more effective at finding good tenants compared to the average letting agent if the they use the same stringent referencing steps, simply because no one will give a shit about your investment as much as you do, so you’re inherently more likely to have an extra gear grinding away.

Find an awesome tenant, and be an awesome landlord.

Too many landlords accommodate devils

While there’s no shortage of absolute dickheads in this world, there’s definitely no shortage of good people either. Every good landlord deserves good tenants, and every good tenant deserves a good home. If you’re genuinely fulfilling your landlord obligations and providing a good service, then you shouldn’t settle for garbage.

Too many good landlords settle for not only bad tenants, but tenants that actually cast unhappiness onto their lives, and it’s tolerated because the landlord is either too scared or unsure of how to make change. If that’s you, I recommend looking into ways you can legally terminate the tenancy. ASAP. The feeling of relief after removing a problematic tenant is euphoric. You’ll want to sing Lionel Richie and fuck all night… long.

I’ve put up with nightmare tenants in the past, and it’s only through experience and hindsight that I realise how difficult and stressful I made my own life. When a tenant makes a decent landlord’s life hell, the shame is on the tenant. But when a landlord sits back and allows the tenant to continue, that’s when it’s all on the landlord.

Ok, so while I’m in Candy-floss mode, let’s keep this positive vibe in motion; let’s share some good tenant experiences, particularly moments that stand-out. Needless to say, if you’re lucky enough to have good experiences of a sexual nature with your tenant, don’t feel you need to hold back. I’m not here to judge, I’m here to enjoy.

Finally, while many of you refer to me as my self-appointed alias “The Landlord”, can you please refer to me as “Candy-floss” just for this blog post, please? I’ll probably find it hilarious. I remember a blog post from a few years ago, where I referred to a troubled friend of mine as “Cheese-tits” to protect her identity, so then people in the comments section started giving her serious advice while calling her Cheese-tits. That seriously cracked me up. I’d like to rinse and repeat.

*drops the mic*

Candy-floss out! xoxo

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82 Comments- Join The Conversation...

Showing 32 - 82 comments (out of 82)
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Courtney 26th October, 2016 @ 15:51

My dear Candy Floss,
I enjoy your rhetoric, and even promote you on my site. But, I must remind you that there are really good tenants who suffer the behaviours / situations that you described to their landlord! Doesn't get back to me; orders wrong fridge size when I gave concise sizings and description; believes unreliable handyman who says I was not in for appt, when I am disabled and housebound! (he didnt show up3 times in a row); gets workmen in to attend to common areas, but never a thanks for me to provide time, access and info for quotes, works to be carried out, provide water and electricity (on my personal bill), or for my time providing photos of works; etc, etc. etc.
Please keep up the good work.
xxooxx

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David 27th October, 2016 @ 08:22

@mike

Your attitude is the worst, @Nige has the best.

It is no wonder your tenants kick you on the way out.

You do speak a lot of sense but it is your attitude that is your problem.

@Landlord (or little franny poo as I am calling him this week) is spot on about communications.

In life when you ASSuME the worst of people they usually deliver.

Paperwork is a no brainer but inspections should not be wound down, they are your biggest indicator but they also keep the tenant making an effort to maintain property, if you can't be bother why should they.

I would keep it friendly, take an interest in their lives, but maintain the business relationship, treat them as customers but manage their expectations. Find out about their family, where are they from, the more personal info the better, also helps if they do a runner.

I would not give anyone my bank statements and you have no right to ask.

The OFT356 guidelines recognise that Landlords can abuse the power, that is why tenants sign tenancies with unfair contract terms that are unenforcable. You know, the ones where you can give 2 days notice to quit if they breach any term, or the ones that say you can charge £25 a day for late rent rather than actually being limited to your actual loss (base rate plus 2%).

I have seen client so annoyed by a Landlord trying to squeeze £100 for four days late payment that they decided to screw the Landlord. Landlord served notice incorrectly so many times, even when they finally got it right Lawyer screwed up and they went to appeal. Total Landlord cost £8000 in legal fees for what should have been a 20p a day charge which was not even worth collecting.

I think you are right about seeing how people live. I had opportunity to see a tenant in flat they were leaving, was an Asian guy, trainee accountant, seemed perfectly respectable. It was really disgusting. The bed and mattress full of mould and bedroom was disgusting. Made me want to heave and I had to get out of there pronto.

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David 27th October, 2016 @ 08:28

@Courtney you are spot on.

Agents (useless reprobates that need to be exterminated) usually employ the worst.

Saw one that could not fix a basic leaking pipe, they ended up replacing all pipework, toilet, sink and new floor too.

Agents also worst at inspections, they are on a time window, only things they check are seals on bath and fire alarms.

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Mike 27th October, 2016 @ 08:35

Hello David

Comments noted, I never assume anything, I have been in this games for a very LONG time, every situation is different from the last, no two tenants are the same, always start a new tenancy with a clean page, open minded and without prejudice. This is a business, we are in this business for profit, capital growth, as well as rental profit. Yes by all means take an interest in their lives, but never cross the landlord - tenant line, once breached you can never return.

I wish you all the very best :)

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The Landlord Avatar
The Landlord 27th October, 2016 @ 09:35

@Courtney
No doubt about it Court's (I've shortened your name like we're besties), tenant's too often fall victim to awful landlords, which I think I do imply in my post.

Sounds like you'be had a tough time from at least one of them... come here... *candy hug*

Oh nice, thank you. What's your site? Plug away :)

xoxo

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Nige 27th October, 2016 @ 10:42

In a perfect world we would have lovely landlords and lovely tenants. In my dreams !!

Natural selection however is weeding out bad tenants usually based on finances.

On the other hand I see ....from personal local knowledge....the property is being bought up by foreign landlords who are taking a much tougher stance on tenants and I don't mean in the legal way either.

Housing associations also don't seem to be as lenient as councils were.

Ah isn't progress wonderfull.

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andrewa 27th October, 2016 @ 17:32

Its quite simple really, good tenants pay on time and tell you when something is broken (better the loose screw in the bogroll holder doesnt allow the holder and tile to fall off the wall and moisture from the shower/bath to rot the studding)
I find the best way to keep good tenants is either not to increase the rent or increase it at a rate below inflation to let them know they are appreciated. @ Nige 24 hours notice and pitch up with keys or comes a call out charge is they right way to do it.

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David 29th October, 2016 @ 21:15

@Nige

Wake up Wake UP

Ideal, no such thing!

Foreign Landlords are not above the law, their property can be taken from them if they think being abroad protects them.

Most of them leave property empty, they are only interested in long term value.

I had an agent representing one though, the agent was a complete scumbag. Told my client they had to pay them the profit they would have made when he pulled out of a property because when he turned up someone was sleeping in his bed!

All kinds of delays later and the property never became available, was just under 2 months and he pulled out.

Agent had phoenixed a few times on all agents, tried to suggest my client had to go to their arbitration, I tell you he made up so much bullshit.

A little work later we found the wife of owner was a part owner and went after her. Agent did not protect deposit and as client slept in property for one day the tenancy was started.

Nothing like when a woman has a man's balls to make him move.

Owner got their own lawyer who let the agent know in no uncertain terms that they were holding him responsible both legally and what they were going to do to him after!

24 hours later a bank transfer for the full £3500 back in account. That agent was a total scumbag, I mean I hate them all but he really was the worst.

Housing Associations are not that tough unless they have to be, obviously they vary as much as landlords do but many of them come from social background. Mostly I would say they are just better organised than your typical landlord. They have some exemptions compared to a private Landlord but they are bigger on health and safety.

They will issue a tort for stuff left in communal areas and bin it after 28 days. Yet many seem to turn a blind eye to serious drug taking, they ask the tenant to report it to 101 and then may get the anti social behaviour team involved, but not usually.

If you look at their properties they tend to be a bit more "industial strength", loo seats that are stronger than stadium seats at Chelsea football ground. Floors that could be used in a factory.

Some do not provide any white goods, no cooker, no curtains, no shower curtain and some no floor surface, i.e. need to install carpets or flooring.

They now take on all tenants on a one year trial with 5 years to follow. They tend to offer a life tenancy but reserve right to move you down to smaller property if your needs reduce.

Some do not decorate, they repair damage to voids but then have a scheme where the tenant paints and they provide the materials. Is quite a good way of getting "buy in" as the tenant can choose from a selection of colours.

I think the plumber I spoke to was right, they either care or don't care. My mother always taught me that "don't care was made to care". Needless to say there is often conflict between those that care and those that do not.

The HA's do come down hard on anti social behaviour than threatens another tenant or member of the public.

Sadly with Government changes I think HA's will go out of business, not sure how long it will take, right now they are being told to merge merge merge, but why would those with 20,000 to 40,000 properties and a solid book want to take on those who have a load of debt when they can pick up the properties when they collapse.

I know some that no longer do social housing, they are doing part ownership and other schemes because their business model has been destroyed by the Government.

They think the homeless situation is bad now, just wait and see!

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Nige 30th October, 2016 @ 01:09

@David

Now this may shock landlords but I do not actually think that people should rent houses per se!!!
This is from a guy brought up on a corporation estate, has lived in private rented, council rented, corporation rented with part payment of the rent by housing benefit and only managed to buy his first tiny house (half the size of any of the rented properties) with the aid of government schemes in the 70s. Yes interest rates hit 15% and even 17.5% for a while and I watched as rental rates on council houses didn't follow suit.

Yes I am aware that the current trend is to rent life and this rolls to cars,phones, subscriptions to tv , gym membership etc. I watch as the mortgages are refused due to excessive commitments to ;leasing; contracts that can't be escaped.

As I posted once I lived in a housing association where I paid £5 to technically own one twentieth of 20 houses. Rent was paid. So technically I was an owner. If you remained for a few years you built up a credit which would then be paid if the house was in good condition when the ''tenancy'' or share was given up.

Nobody vandalized houses. Nobody left gardens untended.No anti social behaviour. In fact it was in the interests of the ''tenancy'' member to keep the estate good as that meant a higher payout if they remained for a long time. Also rents remained static except for increases in general repair funds. A win win situation. I only left because I moved jobs.

A different story to the way some council estates became no go areas. In some ways I benefitted from the current housing crisis. My last tenants and some I manage for my daughter know that the rents are now considerably less than the going market rates and know that they are on a good thing so tow the line far more than tenants in the past did.

As you say even housing associations have trial periods in tenancies and anyone in local HA properties know the danger of not abiding by the tenancy agreements as commercial rents in the alternative are to high.

It is sad that tenants have to be controlled like this but unfortunately society has turned out this way.

But that is why I believe tenants should have a stake in the property akin to a savings plan which can be lost instead of dumping the costs onto the rest of us. Im not advocating a right to buy from private landlords but maybe a scheme whereby the rent is increased by say £10 a month refundable at the end of the tenancy if everything is ok.Car rental companies take your credit card details as hotels do.
When you have something to lose you take more care.

Ah the perfect world !!
Yes landlords would do everything by the book with section 21s getting the property back on the due date instead of twiddling their thumbs watching their investment being further destroyed with no rent coming in and grinding through the court cases and waiting for bailiffs.
I am aware however of Rachman tactics coming in locally with evictions that would definitely fall foul of the law but done in such a manner that the outgoing tenant would not dare to make a formal complaint. I am sure that this is the dark world that is not made public but it does exist.

As a footnote to all of the above I was talking to a young lad (next door to the property I am doing up) Still living with mum and dad because he cannot get a mortgage or rent a place. Why not ?
Because outside sits an expensive piece of machinery with 20 inch alloy wheels on a PCP plan with 3 years tie in. And he admits that this has reduced his ability to get his own place.
Ah well !!

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Catherine 1st November, 2016 @ 06:07

Well I am delighted to see that I must be a good tenant as I do all of the above! My landlady was very happy that I informed her I was going on Holiday and gave her number to my neighbour.

However, it was no more than was in the tenancy agreement, so I didnt feel I was doing anything more than my contratual obligations. It's also basic courtesy and frankly, common sense.

Its a shame landlords feel such simple things are exceptional. Thry must have dealt with some real shits.

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David 1st November, 2016 @ 08:31

@Nige

I have no problem with renting as such but that may be because it was just something I grew up needing to do until I was able to buy a flat.

However, in those days the ratio of salary to loan was affordable even at the 16% interest rate on my first mortgage.

What we know about any industry is it is subject to abuse if not regulated, in fact it is the deregulation of banks that cause this imbalance.

Now even people on reasonable salaries can't get a mortgage and need £50k+ deposits.

I am sure there are Rachman tactics going on for immigrants who do not know the law, we also have slavery albeit it is hidden. I would urge anybody on the receiving of Rachmanism to report it, no matter what. I have seen milder harassment get serious punishment.

I do not know what it is that makes tenants become part of the "not care" brigade. I have seen new build social housing where people throw their cigarette stubs and beer bottles out their windows, making their own environment a pigsty. The housing associations response is to charge them £16 a week to employ an environmental services team to clean up their shit. So all tenants pay because a handful are scum.

I used to think it was a lack of hope that made them this way but I have seen many given opportunity only to throw it away. I guess it starts with the parents who only saw them as a means for child benefit. However, I have no sympathy for such people, because even when given property where they get the rent paid by housing benefit they do not look after their environment.

Yet between these you see decent people, again born with nothing but ready to contribute to society, if only to respect their neighbour.

They say 80% of people in prison have Antisocial Personality Disorder and 15% other more serious disorders like Autism and ADHD. Well I have seen enough APD people to know they are devious SOB's and I have no time for them. I read out the diagnostic criteria for APD to one and he said "that is me".

I have also seen affluent people with this disorder and yes a few landlords.

I see a place for social housing and for renting until a better system comes along. Maybe the Government forcing landlords to become companies if they want to offset tax is a grand master plan to make them create companies that will be sold and merged to eventually become huge and turned into housing associations? No of course not, it was just a way to increase stamp duty!

One of my kids is mid to late 20's they cannot afford a place because they can't rely on bank of mum and dad, they have to live in London as they often work past 11pm in a 9 to 5 job. So they share a house with a lot of like minded individuals. They sold their old car, a second hand Cleo they had in Uni, they have a few gadgets but nothing too bad.

The problem for them is this distortion in the salary to loan value and it will always be one step ahead of them. The next promotion may offer some hope but with it will come more tax so who knows. Right now they are hardly living within their means, they get to share most outgoings with housemates but it is the cost of living in London that means they need their bonus to pay off their overdraft, no money for saving.

I would rather see people have an opportunity to buy their own home than have the market dominated by the buy to let brigade, quite how we redress this imbalance is beyond me.

It does seem to me that "affordable housing" should mean affordable by people on average income(£24k) and for those below there is social housing. Maybe we need a new level below that for the APD scum, perhaps limited to the isle of wight or outer hebrides!

APD
===
A. There is a pervasive pattern of disregard for and violation of the rights of others occurring since age 15 years, as indicated by three (or more) of the following:

1. failure to conform to social norms with respect to lawful behaviors as indicated by repeatedly performing acts that are grounds for arrest

2. deceitfulness, as indicated by repeated lying, use of aliases, or conning others for personal profit or pleasure

3. impulsivity or failure to plan ahead

4. irritability and aggressiveness, as indicated by repeated physical fights or assaults

5. reckless disregard for safety of self or others

6. consistent irresponsibility, as indicated by repeated failure to sustain consistent work behavior or honour financial obligations

7. lack of remorse, as indicated by being indifferent to or rationalizing having hurt, mistreated, or stolen from another.

B. The individual is at least age 18 years.

C. There is evidence of conduct disorder with onset before age 15 years.

D. The occurrence of antisocial behaviour is not exclusively during the course of schizophrenia or a manic episode.

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Nige 1st November, 2016 @ 09:57

@David
A lot of wise words thank you David.

NOW !! I did write earlier in this post about my good tenant. Yes a ''disabled'' one on DHSS. Played ball all through the tenancy and eviction process. Was even ''given'' a bigger converted house for her needs.

Silly silly me. Oh Im smacking myself round the head now with a damp towel.

Basically as I am selling the renovations started immediately. I allowed her to collect her stuff 3 days after the bailiff and as I was on the premises access on other days.
Remember in agreement with the court I allowed 47 days after the final possession hearing. So there were 47 days to organise.

I worked around piles of boxes and furniture. Unable to decorate ceilings and remove carpets due to the sheer volume of consumerism which ranged from 2 upright fridges full of food plus a chest freezer to settees that the guys struggled to get out of the room. There were 3 tables in the dining area !! And on day 3 a Luton van turns up with 3 very rough guys. It took them and poor me who has a friend helping be from 1.30 until 6 to fill the van to the brim twice.These guys worked like trojans non stop. One even rushed to the shop to buy baby wipes after carrying her mattress !!!
However they were only contracted for 2 loads and left a whole room full of boxes.
Now this is in addition to the storage unit she hired and filled and the whole house has a footprint of 6 metres by 6 metres.
On day 4 she storms in saying that they could have taken the rest (no hope the van was piled high). Selects a few boxes and tells me she doesn't want the rest. Thats chests of drawers, wardrobe, bedside tables etc. I threw it out of the bedroom window smashed up to add to the 8 yard skip worth of Fisher price toys and other destroyed consumer items.
Then come the accusations that we have been going through the boxes and her mattress is destroyed. ( here we go another load of money bollox in compensation)
Phew an empty house !!

Now this is the Thursday and I have a promise that she will get a skip. On Sunday a 6pm I get a phonecall. Heart sinks. She wants the bayonet fitting for the gas cooker. I tell her she can;t have it as Im not allowed to play with the gas. At which point the whirling dervish screams that its hers as they replaced my electric cooker with her gas one and her 'mate' fitted it and he needs it for the new house.
(Please don't cringe here as I know all the gas regs !!)
So where is my electric cooker ???? I will look under the pile in the garden.
I haven't heard another word since. Are you surprised ?

Now one of the conditions of her new tenancy with the housing association is that there are no issues with the last tenancy and no debts. So I have an avenue to follow and it clearly states in the terms and conditions that she could have obtained her new tenancy fraudulently and will lose it.

I won't go into the massive celebrations the neighbours are having or the complaints about dope smoking being posted on facebook by her new neighbours less than a week after she got the keys.

You may ask why I put disabled in inverted commas. She could carry heavy boxes down the stairs unaided better than the removal guys. And they were big guys.

So I woke up this morning unable to move with a bad back and genuinly unable to move ,worrying about the gas safety of the new landlord who has had a cooker (which was so filthy that the removal guys covered it in clingfilm to move it) connected illegally.

And finally. As I have a friend who is a professional inspector / inventory inspector this chaos has been created since the last inspection.

I feel a phone call coming on !!

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Bob 15th November, 2016 @ 11:59

Tenants on benefits can be fine, or even very good. I'm on HB and have been for 12/13 years.
To begin with, I thought it would be a good idea to get the council to pay my HB directly to the agency. How wrong I was. At that time, my HB was the same as my rent (please be aware that HB will not rise with every rent increase), but it was paid in two smaller payments, every two weeks. This meant that sometimes I was in arrears on the 1st of the month. So I would get the phonecall, and pay what they asked. Of course, that meant I had paid them too much when they got the next check. Eventually, they had to send me a nice check.
Ever since then, I have had the HB paid to me, and I have a standing order for rent payments.
Agencies should know how HB works if they intend to use tenants on HB, and they should, for we are all just people who have to live somewhere, and you're a prick if you single out benefit claimants. In fact, I hope you become one one day.

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David 15th November, 2016 @ 15:37

@Bob

With respect I totally disagree with you.

Geting the rent paid direct means that tenants do not spend it on an unexpected expense.

Landlords, Housing Associations and letting agents accept that it is paid 4 weeks in arrears when paid to a 3rd party. You can tell them to stop harrassing you if they keep chasing you (or their computer does).

They can even insist it is paid direct after 6 weeks of arrears with most Local Councils.

The reason it is good for the tenant to have it paid direct is that it removes that temptation to go into arrears when their is a blip in finances. This is important because non payment of rent means you intentionally made yourself homeless and so the local authority no longer has a duty of care to house you.

Bear in mind Bob this is primarily a site for Landlords and it believes that for the most part DSS tenants are not viable for private rent:

http://www.propertyinvestmentproject.co.uk/blog/refusing-dss-tenants-is-discrimination/

I am inclined to agree because DSS tenants have been priced out of the market due to massive rent increases cause by lack of supply and increased demand. The LHA levels that set HB have not been increased adequately so the tenants can no longer afford to live in that property or that area. The benefits cap that does the social cleansing and ships tenants to the armpits of the UK is another factor.

The answer is to restore the requirment to build 20% social housing of all developments (changed by Osborne) and to create a massive building programme of social housing (not affordable housing. This will restore the supply to the market and lower rents, that lowering of rents will reduce LHA and that in turn will reduce HB costs.

Nige is a decent Landlord, take the time to read his replies all over this blog and you will see. He has just beem screwed too many times after trusting people.

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Bob 15th November, 2016 @ 15:50

My point is people are people, tenants are tenants. Perhaps there is DSS and then there's DSS; I'm long term disabled, getting a comfortable benefit income, and always pay my rent. Maybe, if people can't do that, they aren't getting enough and/or there are other reasons for their behaviour (yes, that may be the case with someone on HB more than someone not on it, generalizing wildly).
The situation I described is a decade an more behind me, but it is accurate. You live and learn.

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Nige 15th November, 2016 @ 18:52

You may be right. There are DHSS and DHSS.
I have just taken back my last property that is let to DHSS. Not a bad tenant really. Rent up to date or maybe a couple of quid out.
I started action to evict her well back earlier this year.We slowed the process down to enable her to get organised. She had known about the end coming for 2 years but circumstances allowed different disposals.
So in August we hit court virtually holding hands. I get the possession order but suddenly DHSS kicks in. She uses the law as she is entitled to and we get a further hearing where I suggest she has an extra 42 days to get out. Ms DHSS squalks thats the day her kid starts school so I offer a further 7 days which the judge is surprised at.

Does she mover out in the 49 days...NOPE. She wants to be evicted by bailiffs. Oh another £121 forked out.
Now we all know bailiff eviction rules. Thrown out and can arrange to pick up her stuff. In the mean time she and her 2 carers (who work full time who are living in the house without permission and she is paying single persons council tax) are put up in a premier lodge at £82 a room rate.
Then she pops back the next day to pick up some of her stuff. The next day she sends a removal team in (she is nowhere to be seen)who are not to happy with the state of the gear they are shifting and insist on wrapping the cooker in clingfilm. 2 full luton vans are moved over the next 4 and a half hours helped by myself and my worker. But stuff is still left.
So the next day when working in the house she turns up to retrieve the last bits. She doesn;t want most of it so we are left to dispose of it.
A couple of days later I get a demanding phonecall telling me she wants me to disconnect the gas bayonet fitting so she can connect her cooker. This is now 6 days after eviction but she insists its her property as they fitted it after they disposed of my electric cooker (which has now vanished.)
I put the phone down.

Now all this is roughly what I expected except for a couple of matters. I had stated that I was going to totally refurb the property for sale so damages would be ignored ie holes in doors which magically appeared etc. The seven year old kitchen isn't worth salvaging and so on it goes.
Not to bothered as house is being gutted anyway but there is one issue.

Knock on the door 8 days after eviction !! Its her !! Wants me to share the cost of a skip because of our builders rubbish. NOPE we dispose of our rubbish our way (you know..laybyes..left at side of kerbs..thrown in peoples gardens !! ) She storms out so I wait 3 days and pay another £288 to a company to clear enough to fill 2 skips and a further £100 to a guy to remove the entire stock of the 99p shops toys from the grass.

Ah today now 25 days after eviction the scrap boys finally pick up the barby, dishwasher where she dumped them on the street. Neighbours are cheering with flags out and they are going to send the BIG boys after me if I ever rent the house again.

Now she had TWO live in carers??? Probably getting payment from DHSS or somewhere. So if she had a carer why didn;t they shift the crap or clean the house etc. ?

So now this tenant has a nice shiny housing association house with all amenities and I am left with bills everywhere.

As the letter to her explained. If she had been a working tenant she would have probably left at the end of the tenancy notice. ALL the bills were as a direct result of her choices..not mine. She wanted the 2 court cases. the bailiffs and to leave her rubbish.

Anyone want to pop down to Ladbrooks and get odds on whether my claim for my actual costs of clearing rubbish. ? Dont hold your breath.

PS and now its your turn to throw up.
In the garden rubbish documents were found showing that she got £465 per week plus housing benefit. She wasted NHS time by being investigated for cancer so she could be put to the top of the pile in a car accident claim. (no cancer of course)

Yes there may be DHSS tenants and DHSS tenants but you know which group of society I would let to again. Yes working people.

Front and rear gardens are full of rubbish. She was warned about this multiple times

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Nige 15th November, 2016 @ 19:20

I dont know how those last 2 lines went out of sync

@Bob
Whilst you state that your rent is paid in 2 week lots one of those payments is in arrears. Then unless I am wrong you have a monthly tenancy with 12 requests for money. To comply with the tenancy these should be made before or on the due date.
So you get a request and you top up and then get in advance and you are refunded.
Have you calculated how many additional transactions a year are being made by the landlord/agent ?
A lot.
A lot of checking bank accounts virtually every day as payment dates vary, refunding etc. Letter writing or phone calls. It all adds up. Sometimes DHSS tenants do not get the same amount every time as their circumstances change as often as a ball bounces.
I calculated that I do 6 times more work as a result of DHSS payments as I should if a tenant paid as per tenancy agreement.
And that discounts the huge amount of time,money, effort and paperwork involved if the tenant refuses to leave because they want the council to rehouse them.
landlords do and I did house DHSS but I am not part of the social system but somehow bear some of the brunt .

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Mike 15th November, 2016 @ 19:24

Nige, your tale is so true and correct, those that read your comments and ridicule them will have never experienced what you have described. In this past year I have had two exact cases, one property cost me over £4K to restore, the second £6.5K, in both cases the tenants were on benefits and lived like pigs. One family boastfully told me that they received over £2K a month, their phone was on speed dial to the local bookmakers and Chinese, need I say any more!

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Bob 15th November, 2016 @ 19:37

Nige. Firstly, my post was not a direct reference to you, though we could get in to a most unedifying spat about the very Daily Fail attitude exemplified by some in this thread
Your reply makes my point for me - it is best for many tenants to pay the rent themselves after having HB paid to themselves. That would mean less work for you, and the tenant wouldn't have to chase an agency for money owed.
You'll note that my situation is in the past, because I chose to take it in hand.

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Nige 15th November, 2016 @ 20:35

@Bob
Have you ever heard of cannabis ? Its the first thing bailiffs say to me. ''can you smell cannabis''

There is an expression . You cannot get blood out of a stone.
Universal credit where the tenant receives the money directly and passes it on to the landlord is sending shivers down the industry.
I can tell you of horror stories of tenants borrowing from money lenders with alsatian dogs at gawd knows how much interest for trivial reasons. Who is going to have first call on the money ?
Try getting food from Tesco without paying before you eat it.
But DHSS tenants all to often know the law and giving them the power to choose what they spend the money on is risky.
So a tenant doesn't pay the rent. OK 2 big boys throw them out on the street ? No way. Its no rent for 3 months with time and bills , paperwork and court visits.(remember many small landlords also work so a day off work) and maybe you get the house back.
Just watch ''cant pay and we will take it away '' to learn the multitude of ways people from all walks of life evade paying .
When I take a DHSS property back I am inundated with letters which demand cash from loan companies to washing machine hire.
The worst I have seen were water bills for £5000 and £2500 !!
Its a nightmare sorting out card meters for gas and electric which have been run on emergency.

Ask me how many DHSS properties have been returned clean enough or in good repair and suitable for letting immediately. ONE in 20 years.

My last evicted tenant stocked up her THREE fridges full of food the day before eviction (DUH) whilst owing me money ordered by a court. Tesco Home delivery got paid first.

None of my DHSS tenants has ever used a recycle bin !!!
A quick reccy of the bins after they leave will be full of branded products bought from local shops not the supermarkets own brands.

Did you know that in the UK there is no register that can be checked so you cannot get a report on bad tenants who have skipped paying rent.

I know of at least 3 foolproof ways of skipping a property owing rent and then getting a council house.

So we take tenants on with a degree of trust and there are sections of our society who I wouldn't trust to tie my shoelaces never mind pay the rent themselves out of benefits.

I could tell you about the tenant 'locked' out of her home and called us out on emergency.She had been standing outside for an hour. WHY? She had another door key cut and had the original in one hand and the new one in the other. She never tried the original.

I could tell you about the emergency gas boiler call out where the engineer found the radiators were hot. But apparently not giving out heat. DUH.

The majority of my tenants were DHSS and if I paid spent as much time attending to my house as I did to repairing damage I would live in a palace. Such is the business.

But I value other peoples opinion if they are like me.
67 years old. Had a heart attack and a stroke yet still renovating properties damaged by 35 year olds. And the only benefits I receive are a pension of £115 per week that was earned by paying NI whilst working. And never claimed any other benefits in my life.
PS I was brought up on a council estate.

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Bob 15th November, 2016 @ 20:54

Why are you telling me this, Nige?

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Nige 15th November, 2016 @ 21:56

This is a general discussion forum and most people can write what they would like subject to a degree of censorship.As David explained this forum is primarily for landlords.

The UK has a safety net for people which is generally regarded as fairly generous. There are many who as you put it...''I live comfortably''

Well I dont . ALL of my earnings and pension have been directed towards property repairs caused by DHSS tenants since March.
Earnings ZERO and even then I have had to dip into savings.

No safety net for me at all.

My benevolent attitude towards DHSS tenants has cost me dearly . At a time when I should be enjoying retirement I was working in freezing rain clearing up the crap of another DHSS tenant who , if you read my story further back, took advantage of my generousity.

For some reason many DHSS tenants think that they should be treated differently and as a priority.

A female friend of mine with very severe arthritis , so bad that she cannot get out of the car at times is a prime example. She lost her job.
One month and one day of missing her mortgage payment she received a letter saying that she was going to lose her home. No safety net whatsoever for her. Basic job seekers only.
Not enough to pay her mortgage. No housing benefit to help.
Not many companies interested in employing a disabled (though not officially ) 60 year old woman. So she had to take a low paid job and she struggles.
Interestingly enough if she had lost her house through non payment of her mortgage she would have been deemed to have intentionally made herself homeless. Councils refuse to help that catagory of person. Best she could have hoped for would have been a room in a shared house.
However councils are bound to help a tenant who is evicted for non payment of rent.

Comfortable is not a word many landlords would regard their position. Rules, regulations and crap being foisted on us daily followed by paperwork that clutters up my house in reams.
Why? Because rules always favour the tenant and especially tenants on benefits.

I have several investor friends who have now disposed of all their rental properties and are buying and renovating instead of meeting the demand for rental housing.

You wrote explaining why it would be better if tenants received housing allowance directly and then passed it on to the landlord. I explained that this was sending shudders down the industry.

Imagine a world where no landlords would let to DHSS as is rapidly happening now. David has already explained that more houses are needed in detail.

I have one tenant left in a property managed by an agent. The rent was £620 a month when the DHSS tenant died leaving chaos and a devastated house.
Its now let at £750 a month. No damage, no part payments, rent well over DHSS levels and I can sleep at night.
I wish I had taken this route years ago and then maybe I could describe my life was comfortable instead of worrying about the security of a house I am renovating.

One thing thats never mentioned. Houses are damaged and repairs cost a lot of money. Repairs are deducted from earnings and therefore the government gets less tax. Less tax means not so much money for benefits. So in effect those who damage properties are shooting themselves and others in the foot.

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Bob 15th November, 2016 @ 22:05

I haven't questioned your right to write what you want

I'm sorry your tenant had the temerity to die whilst providing you with a living, by way of the state.

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Nige 15th November, 2016 @ 22:57

And in typical DHSS mode you think that your money comes from the state. There is no state money. There is no council money.
It is money that comes from all those who have it taken away from them in taxes and I can assure you that I have always been a positive contributor paying both tax on my earnings and tax on my spending which have already been taxed.

The temerity to die ? May I tell you that I took a desperate woman with 3 kids in on a temporary tenancy as she had nowhere to go. She even got a reduced rent from the previous occupant.
And she worked until her last days even after losing her hair due to chemo. She put into the system to help support less deserving cases.
Yes she was with me for 3 and a half years at a lower rent than it should have been because I respected her.

I wont go into disabled arguments here but no doubt are sitting typing on a computer paid for by benefits on a connection paid for by benefits and in a house paid for by benefits. If you can type there are home jobs involving typing. I had a tenant who was a taxi controller using a mobile phone and an internet connection.

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Bob 15th November, 2016 @ 23:21

Nige, are you really a rightwing parody bot?

Terrible disableds, with their seizures, infections, clots, organ failures, drug resistances and so forth! Dreadful people! Are there no workhouses?!

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Andrewa 15th November, 2016 @ 23:29

Bob, why you change subject and not answer Niges question? I can tell you can do a job that requires the ability to read and use a computer just by the quality of your posts (or does your carer type your posts by decoding your eye blinks?)

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Bob 15th November, 2016 @ 23:57

What was the question?

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Nige 16th November, 2016 @ 00:00

Thank you Andrewa

I always believed that National Insurance was set up so that people who fell onto hard times could be helped to recover.

Now it encompasses everything. Everything except those who want to put something back into society.

Many tenants imagine that the landlord gets all the rent. Silly me. I have to pay tax, national insurance, gas checks, transportation to properties, attend training courses, have to have a phone, have to have internet as all documents come online now, attend court, read up all the legal regulations which change daily, prepare accounts,have data protection registration, have landlords insurance and liability insurance, be a member of a trade body, do repairs or replace items I am responsible for, spend time on tenant/landlord documentation ie letters and agreements..and so the list goes on.

Yes Bob is 100% right. I made some of my money from providing reasonable houses at reasonable rents to DHSS tenants (not all tenants were DHSS) I even had good tenants who I found out later were in receipt of benefits where the tenants made up all of the rent and was paid BEFORE the due date. Their account looked like any other 12 line yearly statement not a missmash of 2 payments at different times followed by refunds.

Of course Bob would not understand the free choice tenants have to move away from nasty landlords. Thats why the majority of my tenants were with me for over 5 years and some over 10 years. Ive even had them leave and come back.

Would I be better off on benefits I ask. Well the straight answer is YES because of my disabilities.

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Andrewa 16th November, 2016 @ 00:17

What Nige asked was seeing as you can use a computer and in my opinion judging by the quality of the English in your posts are better educated than he is (maybe Nige is better with tools like me) why you are claiming benefits instead of working for a living?

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Bob 16th November, 2016 @ 00:54

Ah, yes. You confused a rant with a question.
I won't be explaining the full nature of my condition to you or anybody else who just happens to think they have a right to know

It is interesting that discrete abilities are mistaken by many for the capability to hold down a job of work.

G'night.

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Bob 16th November, 2016 @ 00:57

"Their account looked like any other 12 line yearly statement not a missmash of 2 payments at different times followed by refunds."

Point being?

"Of course Bob would not understand the free choice tenants have to move away from nasty landlords."

Um...What?

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Andrewa 17th November, 2016 @ 07:21

You got it wrong Bob. The statement is "it is interesting that discrete abilities are used by many for holding down a job whilst those utterly incapable of useful work may be supported by those who can"
I take it you are "sick of work or have a terminal case of lazy"

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Nige 17th November, 2016 @ 08:20

Slightly off topic but in the same vein.

We are trying to refurbish the house Ive mentioned.

One of my workers who has the misfortune to be stuck in a cold house and in the rain and clearing up after a DHSS tenant mentioned the traffic walking past the house.

His exact words were.

''Do you know its the same people walking past and going to the shop three or four times a day.''

There is a joke told by the shop staff.

'' Packet of fags . 2 number ....scratch cards and £3 on the electric card.''

Guess who pays for all three items (ok 4) and guess which one is essential.

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Bob 17th November, 2016 @ 09:08

That's an interesting conclusion, Andrewa, which brings you down to the level of certain others here.

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Bob 17th November, 2016 @ 09:11

And guess what it's like to live their lives, Nige.
It's sad that you think people shouldn't be able to afford a little respite and hope.

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Nige 17th November, 2016 @ 17:46

And I suppose I wouldn't be surprised if the donations I gave to the Salvation Army to help the less fortunate was spent on scratchcards in attempt to win a million.

Yes I would like to live the lives on some of them. No worries about the wolf knocking on the door as the next payment coming in will pay that.

My income including pensions since March. ZERO

Sorry this is day 24 of working in a shitty . unheated crap hole trying to make it habitable again after the tenant was given a nice new warm house so she could sublet it again. Yes spent an hour on the phone today trying to get gas and electric under control after her debts were not paid to those utilities and my workers twiddled their thumbs so we could get gas and electric certificates on the property.
Oh and yes she was given a nice new Astra as a mobility car when she didn't have a driving licence. That was used by all and sundry until her friend who also didn't have a licence piled into 3 cars at Tescos. It was taken away from her so now she admits she has no insurance on the vehicle she drives.

Maybe I should advise landlords to stop buying property and buy scratch cards ? At least they might win something without standing in front of a judge.

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andrewa 18th November, 2016 @ 19:39

Yes Bob, down to the level of using logic. As I said I can tell from your posts you are both well educated and can use a computer. I may be too stupid but I cannot think of single disability that prevents someone as well educated and computer literate as you from holding down a job using those abilities. Come clean....you just don’t like working if someone else will work to support you.

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Bob 18th November, 2016 @ 19:54

You're probably not thick exactly, just ignorant of the many weird and wonderful impediments to work.

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andrewa 18th November, 2016 @ 20:59

Imoediments to work. Err, bone idleness, laziness, desire to ride on someone else’s back,work shyness?
You are computer literate and not a "special needs due to IQ" person as mentioned above so I can only assume you are mentally disabled in which case I am dreadfully sorry otherwise I think you are being selfish and are taking money from people who really cant work (I know people too dim to use language and computers like you in "sheltered employment" doing things like picking up litter and you wish to tell me that you are incapable of using your very evident skills to support yourself?) You can read, write and type as proven above but would rather subsist on the taxes paid by someone in sheltered employment? Really?

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Bob 18th November, 2016 @ 21:13

Keep at it, I'm sure you'll get there eventually.

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Nige 19th November, 2016 @ 00:07

Coming away from the personal attack on Bob !!

National Insurance was set up to provide a safety net.

Notice the word insurance and in order to get insurance you have to pay a premium. So tell me how people who have never done a days work in their lives and are probably third generation of families who have not put anything in get to draw on that insurance.

Every tenant I have housed who has been on DHSS has been healthier than me !!

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Rick 19th November, 2016 @ 01:58

@Bob I would not worry about @andrewa or anything he has to say, you see what @andrewa is doing is bringing out his own dissatisfaction with who he is and reflecting that on you.

I have a brother in law who was injured and cannot work, he has done so much in his time, served his country, setup two businesses employing others, worked for others for 10 years, earned over £10k a month and paid nearly £7k deductions in same months.

I have asked him some pretty deep questions about how he is adapting and he told me he would rather be dead. He has a major depression because he is never going to be able to recover or do the things we all take for granted.

He told me that the worst thing for him was having to claim from the State, the 57 page form and the medical forced him to face his disability, before that he had hope. We all know about the death stats, that is the 65,000 extra people that the ConGov killed. Yes Cameron lied to the House of commons over the stats, said they did not exist, but DWP had already told ICO they did exist. Later after some massaging, date splicing and missing data the figures came out and people talk about Saddam Hussein gassing 5000 kurds, that is nothing compared to Ian "call me Duncan" Smith's policies!

My brother in law is as computer literate as you Bob (actually way more) and so bloody capable, he walks with aids and he told me the day he has to go in a wheelchair is the day he tops himself.

He would like to be able to work, in fact if he could he would start another business, just working from home, but he is unable to work.

We discussed it and having employed others he explained it very well, he asked me

What is a Job? Define it?

Whether Self Employed or Employed, he said it was this:

A job requires that you complete a defined task or series of tasks, to a certain specification and quality, in a reasonable period of time.

He and a lot of other people can't do it, now we can pay them £2 an hour and make them feel even worse about themselves or we can help them perhaps volunteer in whatever capacity they can.

He can do about 20m at the computer; maybe 30m if he pushes himself, he then needs about 2 to 3 hours to recover.

With his meds he can't think straight, they make him a zombie, he can't drive, can't use a PC, can't remember what he us supposed to be doing. I looked up these drugs and these are their side effects.

So without the drugs he is in too much pain and with the drugs he is still in pain but spaced out.

Having been in the elite of fitness, run double marathons, triathlon and the like he figured he would be able to fix this. He parked his car in the closest free car park he could find, forced himself to get to the library (as a place of work), took about an hour with strategic stops along the way. When he got there he was in so much pain he has to sit on their sofa for about 3 hours. He browsed the web for a bit then made his way back. He was expecting it would get easier, it didn't in fact it made his injuries worse.

Now if you were to meet him you would think he could do something, but the most basic things that we do every day are a struggle for him.

He refuses to claim PIP and survives on under £500 a month, he volunteers where he can because he can't commit to doing something at a regular or specific time as he never knows from one day to the next how bad it will be and he hates to let people down.

We discussed his depression and he has it all planned out, he said he has achieved more than most men of his age have done. He knows he can't face the potential of 20 more years of this. He lost his family, his home, his work and can’t afford anything that may give him some pleasure. He still has a massive sense of self-discipline but he is not living up to his own expectations.

His first plan was to use very sharp knives and a heavy but small item so he did not have to use his limited strength to get them in; he had other knives for key arteries in neck and legs if the first one left him conscious. He plans on taking meds first that he had after surgery to dampen the pain.

He also considered just pills, the ones he has would do the job, but both of these left him with a problem; the certainty of success in his task. He knew it would be a great dishonour to his family so he had to think of a way that would save them that.

Finally he came up with a place in the town where he lives, there is a hill where the lorries go a bit too fast, there is a crossing and it would all be considered an accident. So no loss of honour for those left behind.

He is under treatment from Adult Mental Health, he has had as many surgeries as he can, is now getting day procedures on specific areas. The funny thing is that he hates himself more than the likes of @andrewa hate people like him.

@Bob the problem with the likes of @andrewa is that he is judgmental, it is not his fault, you see like a lot of people in this country he has been programmed by the newspapers and media.

Every day we are told who to hate, who to blame, Monday is it single mums on benefits, Tuesday it is eastern Europeans, Wednesday the disabled, Thursday any benefit claimant and Friday the Muslims..

You can hate anyone but do not hate the people that caused the crisis this Country is in; the government, the politicians, finance industry that created non-existent products and gambled all of our money so we all going up a treadmill going down.

We see this the world over, Trump won because he gave them someone to hate and he said he would change things like Obamacare which cost them money.

What idiots like @andrewa have never done is walk a mile in the shoes of those he wants to admonish. He is lucky he has a brain and the capability to do better than "these people" that he hates so much.

The rank hypocrisy of the likes of @andrewa is that he is on benefits as are the majority of people in this country, starting with the biggest benefit claimant family, the royals. Yes they have their "duty" but there is a reason they and other wealthy people live 20 years longer on average than those at the bottom of the scale in the UK.

@andrewa will get tax breaks, child benefit if he has kids, he will have a few fiddles of his own, perhaps pays people in cash to get a better price or no vat.

Now working and volunteering with people on benefits I see all sorts, some have fear of trying because they have been knocked down so many times. Some are ex-cons who are completely cut off from society, so why would they respect it or want to be part of it.

Some see the benefit trap; they are below the breadline so they get housing benefit and Council Tax credit, over 70% of these claimants work, they do shit shoveling jobs and get no real respect for that. They do zero hours contracts, go to work, get paid nothing, but are not allowed to work for anyone else. Modern day slavery.

Now as soon as they cross the level someone on JSA gets there is a precipice, it is effectively an 85% tax, they lose Council Tax credit and are suddenly faced with a £1800 to £2500 bill. Their HB is reduced, so they can't pay their rent and they bring home less money than they had plus they do not get the money they earned for a month and can't afford the cost of travel to work.

Now as much as @andrewa derides them, they can do the maths; they can work out they are worse off, it is not that they do not want to work, it is that they can't afford to or they lose their home.

The likes of @andrewa complain because they have a smartphone or a flat screen tv, the fucking bastards, how dare they take up a special offer, buy a cheap one off ebay or pick up a TV off Freecycle? These motherfuckers should have nothing, they should “lick road clean wit tongue”.

Now you see in the paper the benefits cap and we hear "yes reduce it further" but the benefits cap is a Landlord cap, it really is social cleansing. This concept that "we are paying their benefits" is bollocks, 99% of people are not going to be paying enough tax and NI to cover what they take from the system.

So we kick these people out of the relatively low rent home they have lived in for 10 years, rip their children out of school and send the family to armpits of the UK, they have no local family support and no childcare, their kids lose all their friends, they are all on the scrapheap. But hey, at least they are not living in Islington and that may free up a place for a politician.

Now I would not mind a bit if austerity if the ConGov could actually show they reduced spending, but no, they started with £670bn and got us close to a trillion. Osborne (who has a £7m trust fund from his dad's avoidance of tax AKA Osbourne and Little) created the Office of Budget Responsibility, he created 30 targets and they would independently check on him. HE FAILED 29 OF THEM.

No wonder they were called the Nasty Party, the bedroom tax did not save a penny, the so called discretionary payments are limited to 16 weeks max and fuck it, let's charge that COPD patient for the 2nd bedroom that houses their breathing system. Oh and let's take a £2bn from the disabled and pay it to reduce corporation tax and CGT.

Whatever their rosette colour we see politicians being self-serving, funny how so many of them get non-exec director roles. Some wait until they have finished their MP salary, expenses and freebie swilling careers. Well I suppose if you were instrumental in the privatisation of the Water Industry it makes sense that you would get a non-exec directorship with a water company, no nothing at all wrong with that. Oh and they have the gold plated pension that MP’s get along with the 6 month redundancy package. We saw with their expenses that they were fiddling £6m a year, so we now spend £11m a year for IPSA and still we find them renting each other’s homes to each other so they can claim allowance from us. IPSA even recommended we increase their salaries, they have increased salary by £40,000 since 1996, pattern seems to be a huge increase (£9k in 1996) then one or two K for a bit then £3k here and there and £6.9k in 2015. That is before their “benefits”.

We saw Blair not pay CG tax on his primary residence because he claimed he lived at 11 downing street. He setup a trust fund for his kids managed by a school mate lawyer firm, to buy property when they went to Uni. He and his wife own more than 20 properties worth £27m and so what; they are using their skills to earn what they can in the system, just like the people on benefits in the daily fail use "the system", albeit of a far different scale. Do we blame the person or the system?

We see vofafone evade £6m and get away with paying just £2m, (how many landlords would get away with that?), then they sold stake in Verizon and avoided tax on over £83m.

It costs just £2k to create an offshore structure to avoid/evade tax, so anyone earning more than £15k definitely gets a payback, it will not be long before we see self-employed people doing this en masse, if you can’t beat em join em.

So with so many people feeling excluded why would they care for a society that does not reward them for trying, especially when they see the wealth of others.

One might say that the so call "scum" are smart for seeing the game is rigged and refusing to play hamster.

Now I do not like “scum” any more than the next person, but scum comes in many forms, there are scum who claim benefits, but that does not mean that all people who claim benefits are scum. No more than scum landlords mean that all landlords are scum.

Who the fuck is @andrewa or anyone else to Judge? I bet if I took his life apart I could shame him in some way to the papers.

Where will it end?

I mean let’s start with people who smoke, they are killing themselves anyway, let’s put something in cigarettes to kill em off in a year, it will save the NHS billions.

While we are on people that self-harm, let’s kill off all the fat people, people that participate in risky behaviour, oh and let’s spike the HIV cocktail and kill them off.

We definitely need to kill off anyone who takes any sort of drugs and execute anyone who participates in the supply of drugs at any level.

Prisons are a huge burden, let’s bring in a 3x and you get life and let’s kill off the lifers, it will be cheaper.

I am feeling better already, where next?

What about those old people, they have had their day, over 65% of welfare costs are on the silver tops, let’s kill them off, bit of morphine and they will at least go peacefully.

Now those disabled, they must have a really hard life, they can go and it will save a lot. We could do the disabled kids too, much easier for the parents to have a bereavement they can get over in time rather than a lifetime of care obligations.

Well things will be better, but what about those immigrants, we could send them home but we could have them discreetly disappear, who would complain, who would know?

After that there are the Muslims, very easy to identify and let’s face it they are all extremists or paedo’s following a book that says rape anyone not in a Hijab.

Now if we take out the brown people we can take out the black, Chinese and definitely the French, come to think of it, any bloody foreigners can be got rid of.

So we still have a way to go, yes we can go after the illiterate, anyone who can’t get 142 on an 11 plus paper (whether child or adult), in fact before the war we had this thing called eugenics, we can start that back up.

Once we have killed off all the ignorant or uneducated we can move onto the ugly, let’s face it they can’t be happy, we would be doing them a favour.

It follows that anyone wearing glasses or contact lenses to go next.

After that people with no fashion sense or who wear smelly underwear.

Then there are Volvo drivers oh and yes we can kill off cyclists, fucking idiots on the road. Instead of having them post their stupid videos on YouTube, let’s pay drivers to run them down and post those videos, I feel a remake of death race 2000 coming on.

By this time things will be on the up, still we can go after people with bad breath and introduce a nominations system of individual targeting of people just for being cunts.

In this new small society we will not really need MP’s so we can have a lot of fun killing them off, followed by House of Lords and anyone who is a lord for that matter. Ex-MP to go too.

After that I think we need to solve the housing crisis, answer is simple, kill off all landlords and their properties default to the people living on them. Their own homes go to social housing, their families made homeless.

After that we introduce a youth movement, to weed out anybody who might become one of the above groups, plump kids, the short sighted and the nerds.

Yes that is where hating takes us, now we can all be judgmental, but what gives you the fucking right @andrewa? Nothing, you are just pathetic and taking out your own impotence on someone else who is not as fortunate as you. We call people like you trolls

It would take nothing to wipe you and your seed from the earth, nobody would miss you or anything you did in your sad life, so be careful what you wish for.

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Bob 19th November, 2016 @ 09:26

Wow. Bravo, Rick.

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Courtney 20th November, 2016 @ 13:00

Dear Landlord,

Thank you so much for your website, comment section, and your helpful information. It seems that the Landlord of the Universe was looking after me and I have found a solution for window condensation that has plagued me for two years! Praise the "Land" Lord!

The page I linked to your site (some time ago) is on my seriouslyscarborough.uk/opinion.htm page. I am not looking for publicity; just want you to know that I believe in your almighty works, so to speak.

As a prelude, imagine not having any heat or hot water two Xmas holiday periods... yes, more than 10 days in freezing cold weather, and being elderly, disabled, housebound, and isolated. Well, the first year took 2 months to fix the aged boiler. This past Christmas, problem seemed to be the same, but not only no heat or hot water. NOW, no electricity! Property management company could not care less and did not answer an email or voice messages til 4th January! Not very nice.

Boiler man came out twice, and problem seemed to rectify itself. He could find no problem. Well, next time everything cut off, he discovered that the oven and boiler were on the same circuit. The electrical box/plug behind the oven was rusted out and that was what kept turning the electrics off! I ihad reported damp from that entire wall in my first inventory, and each time a person came to "check on the state of the property" and even to repair people. No one cared. I sent photos of a lot of rain dripping down the kitchen windows when there was guttering immediately above the windows. No one cared!

It transpired that the entire roof of the kitchen / bathroom extension is rotten! etc, etc, etc.

Well, despite the fact that I was given an A+ efficiency certificate for the flat when I moved in, stating that all windows were double-glazed, indeed, the front, aging, sash windows with rotten wood (my bedroom) always have condensation all year round. I am responsible to look after this situation in my TA. I bought thermal curtains, but they do not help. The Scottish govt website suggestion to use condensation strips was a damp squib as there is no promise they work, after you have gone to the trouble to find and buy them.

I found a solution for window condensation that you might want to share with your visitors. The windows had venetian blinds which seemed oblivious to my attempts to keep the windows fog-free. I realised that they might be the problem! I raised them above the level of the bottom window, to find no signs of condensation ever since! The air flow seems important to the solution. Hope this helps someone.

thank you again,

your admirer, Courtney xxooxx

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The Landlord Avatar
The Landlord 21st November, 2016 @ 16:04

Oh wow, this post really has racked up some comments. Albeit, mostly of old women bickering (I probably still would).

@Courtney,
Ooh, thanks for your kind words, appreciated.

Dear lord, sounds like you've had an nightmare, mostly because you've deal with incompetent fools! So at this point, is everything resolved, or is the extension still a rotting heap?

I'm assuming the A+ efficiency was what was rated in the EPC? If so, those reports are often junk! I've been on a few EPC websites in the past whereby the assessment is does remotely (i.e. an assessor doesn't even visit the property)! I'm not even sure if that's legal. Either way, mind-boggling. Moreover, many of the assessments are just done in haste; they're bogus at best.

Ahhh, right. So I'm guessing you used to keep the Venetian blinds closed more often than not, which prevented the airflow? That makes sense.

Haha, that website seriously is Scarborough! You're like a local vigilante. Thanks for the link! xoxo

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andrewa 23rd November, 2016 @ 19:17

@Rick

Sorry not to reply quickly but I have been busy working hard (as one does unless you are like Bob) doing maintenance on two of my rental properties - leaky roof and removing feminine hygiene products/wetwipes a tenant had disposed of in the magic white disappearing chair . I bet calling people names won all your playground arguments in primary school but it doesn’t if you argue with grown ups. Being an adult I will not be lowering myself to your level though I think accusing someone you have never met of thinking or behaving like Adolf Hitler is a possible sign of mental illness, you should have yourself checked out before it gets worse and you actually physically hurt someone you disagree with instead of just comparing them and their thought processes to a genocidal mass murderer responsible for the death of millions.

My apologies to the "landlord" of this site for behaving in an old womanly fashion but as a landlord myself having had myself described as a parasite for being such by some of those on this site (not necessarily BOB)in receipt of benefits grates a little. Parasites drain the life force of an organization or person giving nothing in return (except maybe malaria, dengue fever etc) whilst symbiotes (like your intestinal flora helping you digest food) or landlords actually contribute something to the organization they subsist from.

@ Bob,

Steven Hawkins, physically disabled, very intelligent, supports himself.
Downs syndrome toilet cleaner and floor sweeper at Birmingham International, not terribly intelligent but not physically disabled, supports himself with assistance from the state through a home and in sheltered employment - I begrudge him not a penny.
My stone deaf friend, physiotherapist, supports herself, jokes being deaf means she doesn’t have to listen to her victims screaming, doesn’t consider herself disabled just unable to listen to music.
Blind friend, runs a household and family quite comfortably thank you, excellent housewife and mother, supported by husband but doesn’t claim benefits as she thinks they should go to people who really need them and she manages quite well thank you. Her children wear interesting colour combinations if their dad doesn’t see them.
Blind acquaintance, supports herself, types theses, reports etc from audio.
I believe the RAF accepted people without legs to fly Spitfires and become aces, the one I am aware of supported himself on his return to civilian life.
Thalidomide baby, flipper arms, supports herself, does computer data capture.

Bob, if you are worse off than the above please accept my humble apologies, if you are not then how do you justify accepting money from them or people like them and applauding people like Rick?

@Rick,
You are right about the media picking up one thing in my past, according to the UK legal system I should possibly be sharing a cell with Royal Marine sergeant Blackman, though we would be court martialed if when we wounded someone with the first round we disobeyed orders and didn’t try and kill both them and the medical personnel helping them with subsequent rounds.

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David 24th November, 2016 @ 09:25

@andrewa

I think it is you who has failed the intellectual argument above.

You are clearly a person who needs to walk a mile in the shoes of others to understand.

Life has a way of giving you what you need, perhaps a car accident or degenerative disease is in your future, I really hope so.

I would go do some volunteering for disabled and homeless charities; it will enrich your soul.

The problem with ignorant cunts like you andrewa is that all you can do is bully (as you have done with Bob) or repeat the daily mail headlines.

You think this is YOUR money, it is not, I agree with Rick that you and your family probably cost the state more than you paid in. He is right about the over 65% welfare figure being the elderly. In fact long term benefits are a meaningless fraction when compared to all the other public spending.

Picking on groups makes the public feel better about their own struggle; the bedroom tax is a fine example, did not save a penny or solve the actual issue which was shortage of housing.

One of the charities I support has 85% of its beneficiaries unable to find work, the other 15% are given shit jobs yet they could do way more. BUT we can't play off one group against another, or say this group do this so that group should be able to do that. As for the examples you cite, I have seen those same examples in the paper, so it seems you do not have this eclectic group of disabled "friend" but just regurgitate tripe you read.

I like Ricks "kill em all" analogy, but maybe we just need to kill people like you, we need another demographic, not all Landlords!!!

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Nigel 24th November, 2016 @ 10:27

Taking Bob and his situation out of the equation.

Nearly all my tenants have been DHSS and most of them have claimed some sort of disability or disability for their kids.

For goodness sake I am 67. Ive had a heart attack. Ive has a operation to prevent mini strokes . My girlfriend is disabled on benefits.

I can honestly say with the exception of one tenant that every one of them has either been working on the side or has been in better health than me.

They are not the ones working cleaning up the shit out of a garden because I evicted her and her 2 carers (yes 2 carers who were working full time and not listed on the tenancy agreement). I didn't evict her because of any reason other than I need to sell the house in order to live. (my great state pension is £115 per week and I cannot sell the house because it is in a terrible state)

Disabled. ??? She went to Spain twice last year chasing some man she fancied abandoning her 3 kids to their respective fathers until it all went wrong. That left me with a property with 2 carers who shouldn't be there claiming carers allowance and housing benefit paying the rent.

Report it?? NOBODY listens. Neighbours now tell me stories that would take weeks to write and read like a soap opera.

Yes genuine people need help. Thats what the safety net is for. But where is my safety net? A megre pension with no top up because I am fortunate enough (or unfortunate enough to be a landlord) . I struggled to build up my portfolio giving up most of the nice things in life like pubs, meals out, holidays .

Yes my safety net was a health service that saved my life but even now I wait ages to see a doctor if I need to.I'm not a priority apparently.

What I am gratefull for is the fact that I can repair houses and my mind is still fairly alert but I do resent paying full council tax whilst repairing a DHSS tenants house whilst they go shopping in their nice new motability car having been given a nice shiny new house after destroying my property.

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andrewa 3rd December, 2016 @ 12:18

@ David

As I obviously cannot compete with your erudite childish and oh so intelligent argument of calling me a cunt I will not. As to wishing a car accident or degenerative disease on someone else? You must make your parents SO proud of the way they raised you to be such an evil minded and nasty person. For your information I and my immediate family have received not one penny of benefits. I sympathize with Nige and his problems however and suspect the reason Bob has not disclosed his "disability" is the likelihood that if he did (this being the internet) there would follow a deluge of replies stating they have the same or even worse affliction but do noy find it necessary to ride upon the backs of others, some of whom might have even worse "disabilities".

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David 3rd December, 2016 @ 12:53

@andrewa

Funny how bullies do not like getting some of their own treatment!

Intelligent arguments have been given but you ignore them, all you do is pick on someone less able than yourself, so I put you in your place and yes the word is cunt. Actually cunt may not be appropriate, they do at least give pleasure some of the time.

My parents are long dead but they taught me to stand up for those less fortunate than myself and to step in and attack bullies like you. I have done it in the street, I have done it to a gangs beating up a policeman, to some travellers beating up a black man who was a manager at McD. I live by my values, I have helped a plethora of Landlords and tenants alike on here.

You are of course lying when you say that none of you or your family have claimed, it just shows how ignorant you are of how finances of a country work. Your family have used the NHS and had treatment worth many times you NI contributions, they have claimed pension, child benefit is paid to parents of children regardless of means. Tax credits are a benefit, avoiding tax by paying dividends is taking a benefit, shit the biggest benefit takers are the Royal family and their hangers on.

It must be nice for a father like Price William to decide he only wants to work 20 hours a week because this is a time he does not want to miss with his kids.

I too sympathise with Nige, but that does not mean I need to bully Bob, the internet is a publishing platform, he is entitled to his privacy.

He does not have to answer to a troll like you.

Whatever Bob's disability is it is measured by professionals, not cunt trolls like you who would just denigrate him no matter what disability he has.

There is a saying that you have to walk a mile in another man's shoes before you can comment.

As you have shown yourself to be a vindictive cunt troll then YES, I really hope that Karma deals you cards where you can be put in those shoes, a car accident, Huntingdon’s or Parkinson’s disease, would be good. Maybe Motor Neurone, but probably a bit too fast degeneration for scum like you.

Actually for the likes of you I think it would be best for you to just lose all of your assets through mismanagement, lose your income, your lovely family. To find yourself homeless, to be refused accommodation because the local authority has no duty of care to you. For you to be pissed on as a homeless person, to have your health fall to such a level from living on the street that you do finally become so vulnerable that you finally get put into temporary accommodation. I would like to then be there when you have lost all your dignity and to make a decision on your case. I would treat you as you treat others.

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Nige 3rd December, 2016 @ 14:46

I would agree with Bob except for one point.
If I can give an example.
My doctor,a professional, questioned which drugs I an given (on the NHS)because brand A was more expensive than brand B.
The reason is that this professional is questioned as to the cost as I believe GPs are responsible for drug expenditure.

When somebody is granted status as having a problem and the money falls on another budget pot then its easy for the doc to pass on the responsibility.

New measures have taken some of this responsibility away from doctors to centres of assessment.

I have heard of many cases where 'disabled' status has been reduced as a result of this lately as the scroungers are being caught out.

There are few mechanisms to report disabled fraud. I know of actual cases where people have been filmed climbing trees to cut them and they still claim the people carrier.

One of my neighbours claimed carers allowance to look after her kid with asthma. She didn't work in the first place and would have cared for her kid anyway but her attitude was if its available I'm going to have it.

My cousin worked for an insurance company doing investigations. They had 2 vans. One which they parked outside the claimants house with INVESTIGATIONS written all over it. The other with the video was around the corner. Thats because the disability was only evident whilst somebody was watching.

Every one of my DHSS tenants has had a child certified with.......... to get additional benefits.

Yes we have a system but it has lots of flaws. Why is it that when disabled benefits are going to be cut it is only people in wheelchairs being shown ?

There are far to many 'benefits' that can be claimed which people do not even know are available. I can get free gas an electric up to £150 or home insulation if I fit one of a number of benefits. One of them being pension credit. I don't get pension credit because my employer at the time took money away from me !!My friends get it because they spent it with a brewery.

Ah well I am just glad that at my age I am still fit enough to recondition a house let to tenants who claimed twice as much in benefits as I earned as a landlord and they were half my age.

As a postscript the scroungers are being caught. My last one went from £465 a week to £120.

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