Reasons Why Landlords Shouldn’t Accept DSS Tenants

Before anyone gets firmly on my tits about this, let me just clarify, this is a follow on article from The Positives Of DSS Tenants. So please, no angry hippies or DSS tenants start protesting, this is just a simple flip of the coin.

But I must confess, this list is longer than the pro-DSS tenants’ article! My bad.

1. DSS Tenants have financial difficulties

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

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

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

2. Landlords no longer receive rent directly

At one time, DSS tenants were sought after by Landlords because the council would pay the rent directly to the Landlord. Unfortunately, that changed a few years ago, consequently tenants now directly receive rent. The change occurred to encourage the tenants to become more responsible with money.

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

The only real security and compelling reason landlords had to accept DSS tenants is no longer there. Or at least, not as easily accessible. There are certain circumstances whereby it’s still possible for the landlord to receive payments directly, but it’s not a ‘default’ arrangement anymore. It needs to be arranged with the claimant and council, and from what I’m told, it’s ‘possible’

However, I have no idea when or how it becomes a viable option, and my guess is that each council will have their own set of policies on the matter.

3. Rent from a DSS tenant is NOT Guaranteed

Following up from my previous point, and adjoining with some of my upcoming points…

I’ve heard many people claiming that rent is guaranteed when DSS tenants setup direct payments to landlords. That’s nothing more than a vicious rumour. Of course, it’s usually tenants on Housing Benefit (HB) that are spreading the rumour in order to sway landlords into thinking DSS tenants do have their perks.

I agree, taking on DSS tenants do have their [extremely limited] perks, however, saying that “rent is guaranteed” is total bullshit.

Firstly, most DSS tenants have a shortfall to cover each month, which the tenant is expected to cover on time every month. That shortfall is NOT guaranteed. Secondly, and most importantly, the council have the ability to seize/alter anyone’s benefits at the snap of a finger, and there’s nothing a landlord can do about it.

4. DSS tenants need to cover a shortfall

DSS tenants will typically need to cover a shortfall each month. For example, if the tenant’s rent is £500pcm, they may receive an allowance of £400 per month. In that case, the tenant will need to cover a shortfall of £100. Bearing in mind, a lot of DSS tenants aren’t working, so it’s important to recognise that the benefits alone may not be enough.

I’ve had a tenant in the past that had to pay £150 in shortfalls. It was often late, and frequently required constant chasing. This may seem trivial, but believe me, having to keep track of multiple payments for the same tenancy every month is bloody annoying.

5. Difficult to get Landlord Rental Insurance

Rent Guarantee Insurance (RGI) is always a useful policy to have in place, especially if you’re not 100% sure of your tenants credibility.

If your tenant fails to pay rent, your rental insurance company will cover the costs. However, many insurance companies won’t insure your rent if you have a DSS tenant. And if they’re willing to, they may ask for a higher premium than a private tenant.

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

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

6. The Council are useless

I’ve already raged about how useless the council are when problems occur with DSS Tenants so I won’t drag on about it too much. Basically, on various occasions throughout my involvement with DSS tenants, I’ve needed to contact the council in order to resolve outstanding issues. It goes without saying that they have been less than helpful and outrageously rude. You can read a more in-depth discussion on how the council are rubbish when it comes to providing Landlords with support.

For a quick summary;

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

7. Even Letting Agents refuse to deal with DSS tenants

A letting agents job is to find suitable tenants for their landlords’ as quickly as possible. If they don’t find tenants, they don’t get paid, it’s that simple. So it must say something about DSS tenants if more and more letting agents refuse to deal with them.

When a letting agent prolongs filling in vacant properties by denying a certain type of tenant, alarm bells should ring. I’m sure letting agents have dealt with DSS tenants at one point, and on the back of their experiences, they’re now refusing…

8. Claimant allowances can randomly change

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

For several months she was receiving £400pcm, the next month it had been slashed down to £300 for some reason that will never be disclosed to me. It’s not even uncommon for claimants to completely lose their housing benefits overnight.

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

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

9. Claimants receive their benefits every 4 weeks

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

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

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

738 Comments- Join The Conversation...

Showing 688 - 738 comments (out of 738)
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Stealth Bomber 22nd February, 2018 @ 19:28

@M.H.He I sympathise with Stephen H`s parents! Politicising the rental issue is so dumb it`s beyond comment. Labour councils charge not much less than my rents, for their awful dwellings on awful estates, creaming in rent money to safeguard their golden pensions, whilst doing f**k all in maintenance. Tories just cream in the rent, outsource contracts to their chums and divert the lot in their own direction. Landlords are quite prepared for the risk vs reward process, that`s a given for any business. But effectively, the law supports none payment of rents, theft and wilful damage to property, there is no real recourse for landlords, and tenants just disappear into the night, usually by moonlight! Now that rents are not paid directly to landlords, the amount of non payment and subsequent evictions has rocketed. This is the straw which broke the camels back. Now most of these tenants HAVE had the benefits paid, so cue Stephen H to tell us all where the moneys gone!

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Stephen H 22nd February, 2018 @ 20:01

Crikey Stealth, your surely not looking for sympathy ???
I have to admire your courage mind you ! to have the courage to let everyone know you are a Landlord is a very brave thing to do. Of course the rent issue is political. You voted for a party that got rid of social housing and refuse to replace it. Instead they force everyone into a world private rental and people like you, who voted for those horrendous politicians, take full advatage of it.
If mortgage repayments are too high, then once again, it is down to people like you who vote right wing which gives even more freedom to the finance industry to do what they want.
I'll also bet that you voted for Tony Blair back in 1998, giving Labour a landlside victory and then did it again 4 years later,despite his left wing policies and his non jobs in the councils, and his PFI just as long as the freedon of the finance industry kept going.
Oh dear, what about when the financial collapse happened and all of you Right wing twits jumped back to Tory in the hope that they could ease your financial suffering ! Oh dear, no help was available because Labour had put the control of the interest rates into the hands of the BOE. hur hur.
So todays financial climate is all down to people like yourself. Our massive unemployment driven by right wing policies, right wing privatisation and the growing divide between rich and poor.
So now you are stuck between a rock and a hard place. You hope the right wing government will support you yet they have truned their backs on you, they dont need your sort no Landlord. So your on your own in the big wide world and the poorer people out there who lost everything years ago are far more experienced than you at life on the streets and how to get without paying for it. You got what you deserved buddy.

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Stephen H 22nd February, 2018 @ 20:13

Ah ! president peters, I missed your little comment there but let me try and educate you regarding my working day. I spend every single day of the week running a Social Enterprise that myself and my wife created in our town. We are a registered community interest company and we make zilch from our endeavours. Everything we do make (and by the way we create employment for 13 other small businesses, is re invested into the town.
At christmas we supplied a 3 course christmas dinner to over 140 local poor people including many many children. We had a Santa and everyone got presents. I am in the process of opening a artist workshop for Veterans suffering PTSD and am well on the way to opening the only youth club in the area.

Now thats off my chest, if any of you ever want any lessons on humanity or what it is like at the chitty end of the stick then please let me know. Perhaps you would care to meet young children who have nothing to look forward to other than their next meal, but, I dont suppose that kind of experience would sit well with your views of poor people would it ? have a nice day.

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Dave c 22nd February, 2018 @ 22:14

Stephen h

WTF has crawled up your arse and eaten your brain.

I was a junkie when i left school and spent my early adult life in a drug induced haze that i only remember small snapshots.

I got myself clean in a spanish prison with no help or support from anyone.

13 years ago i walked out of prison with the clothes on my back and 45 quid in my pocket. Homeless with not even a hostel bed to go to.

I rented a house off a company with 600 houses. They did no repairs and i had to leave because it used to rain in my kitchen.

I became a landlord to provide my people (the underclass of society as you call us) with nice homes to live in.

You are talking like we were all born with a silver spoon wedged up us. We were not.

With a criminal record no one would hire me.

Ive worked dam hard to get what ive got like most other landlords.

Ive done any job i could do to drag myself from the hole i was in, unblocked peoples drains, cleaned out bins, given talks in schools about drugs and prison (won an award for it), built websites, done seo, decking, landscaping and a whole host of stuff i cant even remember.

I own 2 houses with no morgages.

And after all the shit i been through ive got people like you calling me a c u next tuesday and robbing me because i own more than 1 house.

Goes to show what a small minded fool you are sitting there sprouting your bullshit and trying to rile people up.

Ive clawed my way up sitting learning and teaching myself new things to improve my life after working 10 to 12 hours a day 7 days a week.

I didnt get any help from anyone or any government, i did it all on my own and ill hold my head up high when tossers like you try to take the piss.

What i find totally disgusting is people like you who would condone theft because i actually own everything i have outright.

I dont agree with living beyond my means and having everything on the never never.

Ive never been in debt untill scum like you robbed me. And i mean those scum take home 3k a month in state handouts, theyve robbed every company they came accross in the last 7 years but im the c**t for kicking them out.

People like you are whats wrong with this country sitting there sprouting shit about morals. The morally bankrupt fucktard round here is you my friend with your entitled to attitude on life.

Dont judge a man till youve walked in their boots.

Someone like you wouldnt have lasted long in my boots you would have given up and gone and joined the que for the handouts.

Sounds to me like your a dole walla scum bag whos been brain washed by corbyn. Waiting for freebies to be given out.

When all the houses are back in the councils hands under arms length management.

You will be one of the first to moan about your human rights to a nice home.

News for you the councils of britain are not charities they provide substandard accomadation and do no repairs because they can get away with it.

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Stealth Bomber 22nd February, 2018 @ 23:27

@Stephen H I very much doubt either myself, or any other landlord on here is looking for sympathy, so you are seriously misguided yet again. What we are looking for, is you to give us the answer as to why most DWP claimants who get evicted, actually do receive their benefits in full, yet still pay no rent. That has nothing to do with politics, that's about mentality, responsibility, choice, and the law effectively supporting their behaviour. Non payment of rent, without any conflict, should be criminalised for the theft that it is, and rents should be paid directly to landlords by the DWP, like it used to be, that would halt the majority of these situations in a heartbeat. The right wing Government has set things up this way to shaft landlords and deter them from continuing in property, or those that are thinking of doing it. They are actually using benefit claimants to do their dirty work, knowing full well they will blow the money without paying the rent, can`t you see it? You must be off your nut if you think most landlords vote right wing! Seems to me that you are caught in the two extremes of rental housing, and that really does make you a dumb ladypart. Anyone who uses the terms `property tycoon` and `exorbitant rents` really does not have a fookin clue about the real rental market. So let me enlighten you, before you post anymore inane comments. Private landlords have a whole raft of choice of WORKING people. We don`t need to ease the social housing crisis, nor your conscience. Private landlords clearly have a better market than needing to rely on benefit claimants for tenants. Younger generations see the rip off that home ownership and mortgages have become, and choose to rent and spend more on their lifestyle. Then there`s couples who get divorced, neither of which can afford to carry a mortgaged property on their own, they rent as well. It`s also true that many folk are now becoming rather useless, or scared, or financially strained, when it comes to maintenance and repairs, so they are happy to let landlords take that burden, and when you stop believing all the sh!t on the TV, you may find that some landlords are actually pretty red hot when it comes to repair and maintenance. A happy house means happy tenants, and a quiet telephone for us, and after all, that`s the property value which this right wing Government that we voted for (not), is going to steal when we end up in a care home. So there you go, now you can clearly see we are far, far, from being alone in the world of private rental. Yes, it`s not as good as it used to be, but it still beats pensions hands down, in securing the future, guaranteeing retirement, and a fair lifestyle. There`s a green eyed monster lurking in your posts, and whilst you are certainly clueless, and need to learn a whole lot more about the rental market, being jealous just makes you a ladypart!

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Presidentpeters 23rd February, 2018 @ 08:19

You work all day with the disadvantaged and can’t ever conceive that they would ever in a single case be in the wrong/ always stick by their promises (accommodation wise or whatever). Doesn’t stack up mate.

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Stephen H 23rd February, 2018 @ 09:39

You believe what you want matey, your failure to comprehend is a direct result of your failure to allow humanity into your world. Yes these people get things wrong, yet they are the first to jump to the rescue of someone who is worse off than they are.
Stealth, Oh, I see, so you rent out property because your intent on supplying a public service ?- BS buddy, you do for the same reason as every other landlord, you do it for the hard cash and then whinge like a biatch when someone way less fortunate than you decides to elope with the rent money.
Why do you need to be a landlord ? why do you need to have more than one home ? why do you (as you claim) continually suffer the loss of stolen rent money ? _ could it be because you have tyhis overriding urge to do some social good ? - Pffft. Listen Landlord, you do it for the cash and because it feeds your ego to claim to be some back street property tycoon. There should be only one Landlord and that is the local council. Any other landlord is on a par with a money lender.

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Benji 23rd February, 2018 @ 17:08

"There should be only one Landlord and that is the local council."

None of my tenants want to live on council sink estates, they prefer renting my nicer homes in better class areas
- clearly they don't know what's best for 'em!

What they really need is some clueless, communist, pretentious prick telling them how to live their lives.

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Stealth Bomber 23rd February, 2018 @ 20:00


Pissing myself laughing, comedy gold you are mate, what a clown.

So you like councils stealing taxpayers money, providing woeful dwellings, on estates which would give Syria a run for it`s money, charging rents not too much cheaper than mine, whilst making sure they keep that golden pension pot overflowing, have properties abroad, and claiming expenses on things they don`t even live in.

You like benefit tenants having no interest in paying rents, it`s not eloping with money, IT`S THEFT, so you need to be absolutely crystal clear on that. Taking goods or services without paying is THEFT. Try it next time you go shopping.

You never read where I claim to be supplying a public service, so stop lying to suit your own ends. It`s simply supply and demand of the time. Private landlords carried the student accommodation shortage when Universities boomed, no problems there. Uni`s recognised they needed to find an answer, and some support from private sector. Students never got evicted, most worked one, or even two jobs, rents paid, get a degree, move on. Why do you think benefit tenants should be allowed to behave rather differently? The example proves it`s more down to discipline, attitude and mentality, rather than some political social disaster. Face facts and accept the real truth, the best thing you can do for humanity is open a sterilisation clinic! Breeding us into oblivion, and everyone demanding housing, especially with zero means of funding or income, simply cannot be. People are going to end up in trailer parks, or living in hostel type, shared accommodation, you mark my words sunshine because it`s coming, and that will not be the fault of private landlords at all. It`s called keeping your legs shut, and making better choices.

Nor do I continually suffer the loss of rent money, it happened once, when giving benefit claimants a chance, which is precisely what this thread is all about! Minimising the risk of non payment, by avoiding DWP claimants altogether. Are you catching on yet? Nor should it cost to go through the legal process of getting your own house back. The Taxman or Mortgage lender would walk straight in and take the property back, regardless of tenant occupancy, if I owed them money!

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Stephen H 24th February, 2018 @ 10:37

YOU LOT,created the sink estates and the underclass and the idiots that run offd without paying their rents. YOU LOT allowed right wing governments to take away communities, whole commun ities built up around huge industries tghat YOU LOT allowed right wing governmen ts to close.

The loss of those communities (and we are talking millions of people) led to a loss of morals, of values and of decency as hard working families were told "Kiss my ass there is no work for you nor your kids now or in the future".

YOU LOT, voted for and allowed that to happen. So all of those forsaken people looked for the only other option open to them. Get through life as well as you can spending as little as possible because that is what governments have done to you.

So now there are no (or very few) proud working class left, they have been replaced by a breed of person that YOU LOT created who have learned to take whatever they can get and not worry about the consequences.

Steelworking communities, Mining Communities, Fishing Communities etc etc, all lost that ethic of "Get up and go earn a living" because YOU LOT allowed the government to take that living away for nothing more than shareholder profits.

So the product of those estates now, the way they think and the way they act is a direct result of what the type of person who has more than one home has created.

Man needs work - your voting habbits took that away. Man needs a home, - your voting habbits took that away, man needs a family !! well thats one that YOU LOT haven'y managed to atke away because they are still having families and they are still provding for them by ripping off people like yourselves with the same contempt that you show them every time you vote for right wing governments who try to destroy them.

So I dont care what your claimed backgrounds are, if you have more than one home then YOU LOT are living on other people's misery, you are not providing some wonderful caring service that everyone should be grateful for, stop hiding behind a lie.

You may convince some people you are the real deal but sorry, I'm not that stupid, I see through to the greed. Have fun with your undercalss, I hope you learn something valuable from them but alas, your right wing minds are made up and are set in profit mode.

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Benji 24th February, 2018 @ 18:23

Whevs.. Up the revolution comrade!

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Stealth Bomber 25th February, 2018 @ 13:48

@Stephen H. You can stop commenting now, your status as a complete and utter imbecile is secured. Honestly man, read your own lunatic comments, and get yourself some help. You have blamed everyone who votes Tory, have voted Tory, AND everyone who voted for Blair, go figure!

You are also blaming people who weren`t even born, when Maggie closed the pits down, let alone old enough to vote. So who do you blame then, our mum and dad, nannan and grandad, great nannan and grandad, Adolf Hitler, Henry the 8th? It`s pitiful reading it to be honest.

We can only deal with the situations that occur at any given time in our life, and make the best of things, without stealing. It`s only those whom you endorse, that drag society down. They breed kids which don`t have a chance, because their parents have neither the means nor mentality themselves, to raise offspring in the first place. There`s no `raising a wholesome family unit`, so don`t kid yourself fool, children are a source of income and not much more.

Remember this, there`s only two types of animal which expect someone else to provide a nest, AND feed it`s kids.

I suppose you could say they both start with `C`, and ones a Cuckoo!

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andrewa 25th February, 2018 @ 14:33

Bwahahahahahaha +1

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Stephen H 25th February, 2018 @ 16:06

Ok Stealth, you win, I'll stop posting now. There's no point in going on because you have all proved you are so far up your own selfish me me me backsides you have lost sight of humanity.
So you keep kidding yourselves that you are all supplying this wonderful public service (for the highest of moral reasons of course), and those of us who mix with normal people will keep on believing the truth. If you let me have your address I'll see if I can find a suitable Christmas card to send you,

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Stealth Bomber 25th February, 2018 @ 21:20

@Stephen H. It`s for the best, it really is!

Blindingly obvious that you don`t even read people`s comments properly, lost in your own world of hate, spouting vitriol like something that`s stuck in the 70`s. But when Letting Agents, Insurers and Landlords are all turning against DWP and Housing Benefit claimants, it`s got to tell you something, and it`s not all down to the mighty dollar and vast profits, so you really do need to get a grip.
There`s a world of difference in humanity, people having a home, and the cuckoos you are defending. Strange thing is, you seem to think it`s a small victory, when they get away with non payment of rent, and while that makes the landlord a victim in the short term, it only happens to them once (or should do), and those 8 or so months it may take to get the thieves out, do eventually come to an end.
For cuckoos, they have to keep moving on, and try to pull the same stunt elsewhere. And this is where I suspect your real anger lies, because the game is up where private landlords are concerned. And that`s why you come to Landlord sites to vent.

Next stop, Trailer Parks and Shared accommodation/hostels for them there cuckoos I am afraid. Can see it coming a mile off, the Country simply can`t provide house after house after house, free of charge, to all those who are breeding wonderful wholesome families.

Save the Christmas card, the best present you can give to humanity is get that Sterilisation Clinic open sharpish. I will even cut the ribbon and declare it OPEN!

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Angry 1st April, 2018 @ 19:53


I am trying to get dss tenent out from september 2017.its 8 months now.

It’s really difficult to get them out because of council on them side.Just payed to my solicitor £1000 and am going to pay court fee £355.just cant wait them to go forever from my life and my mind.

PLEASE DO NOT GET DSS(people getting money from council housing benefit people)STAY AWAY THEM PLEASE.

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Stealth Bomber 1st April, 2018 @ 22:34

Angry. Unfortunately that's the game as it stands. The law supports bad tenants as you give them legal possession of the property. Depends if your tenant is fighting you or not, but there's no way it should be costing you a grand in solicitors fees. The N5B form for getting possession granted is literally a 3 or 4 page document which you could even do yourself online! If you have everything in order there's no reason why court won't award you possession and give the tenant a date to move out.

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One house limit 10th May, 2018 @ 15:56

"Remember this, there`s only two types of animal which expect someone else to provide a nest, AND feed it`s kids.

I suppose you could say they both start with `C`, and ones a Cuckoo!"

The other one is a Landlord, and it starts with L.

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One house limit 10th May, 2018 @ 15:58

"the best present you can give to humanity is get that Sterilisation Clinic open sharpish. I will even cut the ribbon and declare it OPEN!"

Hmm, the last time one group of people tried to sterilise another, it was the Nazis to the Jews

Now landlords want to do it to tenants

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Stealth Bomber 10th May, 2018 @ 20:35

@One house limit. Bwhaaaaaaaaaaa! I love it.

Humanity is breeding itself into oblivion, whether you like it or not, face the reality. Sad thing is, those who choose NOT to breed are usually the wiser ones, who have a stable life, some degree of success and financial security. The mongs of society breed because they are bored, and sex is free entertainment. We should incentivise NOT breeding, and give society a chance to stabilise, as all we have, is a never ending supply of mongs.
So here`s the funny part. The Government is only making it hard work for landlords because they don`t like working class people getting on a bit, and securing their retirement funds. They hate how people have abandoned their nice pension chums, in favor of property investment, that`s why they introduced the auto enrolment con! (sorry I digress)
They do not give a monkeys about the social housing plight, those living on the streets or in poverty. Their nasty moves towards landlords may well spike an upsurge in property available for sale, but that only helps them who can get a mortgage in the first place, which involves that thing called WORKING and taking some level of responsibility.
It won`t help those that are at the lowest end of the spectrum one bit. So you are looking in the wrong area here, for the reasons why there`s a housing problem. Houses need paying for, one way or another, they do not grow on trees, so walk a mile in the shoes, before you form anymore dumb opinions. Most landlords own property which has always been private, so it`s always had someone paying for it, nothing new here.
We simply cannot keep dishing out house after house after house, every time Jeremy Kyle finishes and more breeding commences. The time is going to come, and you heard it here first, where those on benefits etc, are going to end up living in student type, shared accommodation. There really is no other way, private landlords no longer take up the slack of DWP and Housing benefit claimants. Insurance companies won`t even offer a policy if tenants are claiming, Letting agents refuse them as they can`t get through credit checks under the financial responsibility regulations. You should see this starting to bite pretty soon, now that private landlords have been forced out of carrying the housing shortfall. What does scare me is that desperate tenants will fall into the hands of some REAL nasty people, there will be no contracts, no safety, no rights, rents will be collected by a knock at the door, and evictions will be via the nearest window. So be careful what you wish for.

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Donna 30th May, 2018 @ 14:11

I am a tenant and very good one. I am disabled and so is my partner and for that reason we are in receipt of housing benefit. Ive Always paid my rent on time, we seem to be one of the very few people on housing benefit that landlords can trust and believe me its not been easy..i feel judged and discouraged when all I want is to have a roof over my head for my family. I still grieve for the career I had and how if I had that career would people simply look at me in a different light? Sadly that answer is yes. Except now that Im disabled and recieve help from the governement im now automatically viewed as lower class and unreliable. Ive met a lot of landlords that arent willing to take us on because we are in receipt of housing benefit. It is discriminatory to people like us who cant help the fact that we are unable to work and yet we still need a roof over our heads and to class every person in receipt of DSS with the same brush is low. Yes I agree having a tenant that is in receipt of housing benefit is not guaranteed rent but neither is it guaranteed just because someone earns a wage. Its a risk you take with every prospective tenant. It comes down to the choices they make. I am more financially stable now than i was with my career, yet Im judged for getting the financial help I need to provide a roof over my head. Dont you think that it comes down to the morals of the people paying your rent rather than it being solely from the DSS category.

I would also like to highlight that banks will lend people on receipt of benefits a loan just as they would woth someone on a wage. They consider many factors. Maybe landlords should consider all the factors of a prospective tenant before judging them solely on the fact that they are getting help with their housing costs.

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Donna 30th May, 2018 @ 14:19

And sadly I came across this page while googling why my prospective landlord wont accept us for a viewing because we are on housing which I was told it was due to insurance purposes and something to do with the mortgage the landlord has on the property. I dont understand it all but I cant help that once again Ive been discriminated against and placed into the category of unreliable and poor. The reason we need another house is because we need a downstairs bathroom and so we are already limited to the type of houses we can go for. Its just so difficult. The people that have made it hard for us are the people that have abused the system and made it hard for landlords.

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Stealth Bomber 30th May, 2018 @ 18:29

@Donna. Whatever your political stance maybe, simple fact is we are all victims of the Tory system, just to a different degree that`s all.

Worst thing ever was to stop the rent being paid direct to landlords. Personally I can stand a bit of sh1t from tenants, I take that risk to reward process, so long as I don`t get financially strangled into the bargain. Now it`s more like a £500 quid a month free for all, zero rent paid, more evictions, possession orders and money judgements than ever before, comes as no surprise. And yes I know that`s not everyone, but these things are on the increase for a reason.

This has forced Banks and Insurers to steer their clients well clear of DWP and Housing Benefit claimants, decisions made in a boardroom, and taken out of landlords hands. As you say, for any landlord with a Buy to Let mortgage, it`s a complete no no from the lender, to allow benefit claimants. Same goes for insurance, we simply can`t get a building/landlord policy if tenants are in receipt of DWP.

There`s a few other points to clear for you.

Banks will give anybody an unsecured loan, that`s not really a guide at all. Loans are significantly lower sums than mortgages, and the value of property. Plus Banks can suspend people`s accounts, they are quite happy to dish out loans. Landlords have no control of non paying tenants whatsoever.

Whilst there is indeed no guarantee on someone earning a wage, and paying the rent. There is a route to get an attachment to earnings order through the Courts, should things go seriously wrong. Not ideal I know, but it`s one more option that you don't get with benefit claimants.

The whole system is turning us all against each other, and it`s a real shame people don`t see this. 75% of landlords only own one rental property, most are working class, trying to secure retirement funds, and it`s being portrayed like crime of the century, which has created the entire housing crisis.

If you are disabled I don`t see an issue. DLA claimants are not categorised the same as the aforementioned, nor the issues that go with it. I`ve had a DLA tenant for 5 years, no issues with Insurance and he`s a 42 carat diamond.

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Mutley 30th May, 2018 @ 21:08

Whilst mortgage and insurance companies usually make an exception for disabled on HB (technically it would be discrimination if they didn't), the majority of agents and landlords I have spoken to do not accept this distinction.

Thankfully I am now in social housing, after months in emergency accommodation (costing tax payers huge sums of money) with an uncertain future, and a lot of stress and sleepless nights.

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Good tenant 10th August, 2018 @ 06:42

Well, I'm middle aged, renting with my 12 y/o since I had to sell up at a loss in the 2008 crash (as a result of which I also lost my job). I now have a permanent, but low paid, job in a school. I have received HB for the past eight years. In that time I have NOT ONCE missed a payment, or even had a payment a day late. RI'veent and bills are always my first priority. I've been lucky to have two decent LLs who sort any problems quickly.

I want to move house in the next year or so, but everywhere I look is 'No DSS', etc. I've no idea how to convince LLs and estate agents that I'm a good tenant. Nightmare.

My friend is a LL in a different area. She once found a working professional hiding from her, under the bed, when she went round to the house to sort out months of unpaid rent!

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Good Tenant Too 13th August, 2018 @ 23:01

Like the last few comments, I'm also in the good tenant category. I had a house that I owned with my husband. After our son was born we split up due to him being a borderline violent misogynist, selfish, entitled prick, I had to leave that house with my 12 month old baby. I was working full time so was able to get a private rental place. However, I had to leave that due to my neighbours constantly smoking cannabis (by the way they both worked full time... go figure...) and it coming into our flat. The next house I moved to I lived in happily and paid my rent in full on time for over 2 years. However in that time, I had a breakdown and was unable to work so was put on benefits. Even though that was the case, I was still able to cover my rent because the HB and my savings covered it. I kept the house clean tidy and in good repair. I was a good neighbour and never caused any problems. At the end of my last term there, my darling landlady decided in her heartfelt wisdom that she would chuck me and my child out on the street because.... she wanted her friend to move in! Because I was in receipt of HB no other landlord would touch me. I begged her and pleaded with her, but she didn't care. All she said was I'd have to go into temporary accommodation! i.e. I would have to take my son into a hostel, where druggies and prostitutes and down and outs live! The council told me to stay, so the landlady took me to court and even though it was through no fault of mine that we were being evicted, the court ruled in her favour and I had to pay her fucking court costs, as well as moving costs and storage costs. In order for me to avoid going into a hostel I rented a room from a friends mum in the next county but had to drive 300+ miles every week to keep my son in his school. It took 5 months of this before the council found me a place. I'm very grateful they did, but can you please tell me where in all this my landlady comes off like you lot keep talking about "caring landlords"?? She didn't care. At all. I kept that house immaculate. I redecorated throughout and had it professionally cleaned before I left because I didn't want to give her an excuse to shaft me any further. Oh and even with an exemplary reference letter from the letting agent (who incidentally also refused to work with me to find another property, because they don't accept HB) no other landlords or agents were willing to take me on without OR with a guarantor. I'm now working part time again, and thankful I now have a home I cannot be chucked out of, and have just passed my 12 month check and received assured tenancy, because I'm a good tenant and treat wherever I live as if I own it, with care and respect. It's bollocks that most HB claimants are unreliable, and reckless where paying rent is concerned. It just suits all of your agendas - from the bankers, to the "insurance" companies, to yourselves. Another point to make is, my aunt is a landlord too - she absolutely disgusted me when she replied, on being told I was being evicted, that she would do the same. She is a Daily Mail reading, right wing, selfish uncaring person. Like the most of you. #sorrynotsorry.... I guess you could call me bitter, because of the selfishness of my landlady, I and my little boy have had 3 homes in the last 12 months. He had to suffer the indignity of living in a grumpy old lady's house where he wasn't allowed any of his toys out of the bedroom, and had to put up with her talking down to him, his useless shit of a father stopped his beloved football lessons because he was too lazy to drive to where we were to collect him, and he had to suffer 2 long car journeys every single day to get to school for the 5 months we were homeless. All because that selfish woman didn't give a good god-damn who her actions affected.

Ps I loved the last paragraph of the last comment - says it a really doesn't it... it's individuals not the benefits... I've known working people trash a house - many times I've heard stories like that, from landlords themselves...

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Stealth Bomber 14th August, 2018 @ 18:03

@ Good Tenant Too. The system is broken, across the board, so it`s no good levelling at landlords for it. Private renting is very, very different to taking a council property, and those on benefits should not be falling into the hands of private landlords for their housing needs. That is the bottom line in all of this. Private landlords own circumstances change too you know, it`s not some giant dinosaur organisation which stays the same forevermore like council housing. Private lets were ok when they were for students, or those waiting to get onto the property ladder, building credit score and then securing a mortgage. It`s the clusterfu*k of Government and lack of social housing which has driven those on benefits into the hands of private sector. Now, years ago it was not so bad, when the rent was paid directly to landlord. We could stand a bit of shit from bad tenants, because at least we weren't being financially crippled into the bargain. And tenants didn't get chased through the Courts for rent arrears either. Now it`s simply too much of a risk, that rents are not paid direct, tenants have full control of our fate, and no sane person would leave themselves wide open to it. There`s enough risk in it on a good day, but more avenues are open to us, should things go wrong with a working tenant. With those on DWP there`s simply no recourse when things go wrong.

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Thomas 14th August, 2018 @ 18:10

It's funny how landlords happily accept £4 billion per year subsidy off tax payer when it suits them but treat DSS tenants like lepers when not. 5 million workers on benefits too but don't let that fact stop your little righteous circle jerk.

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Tom Tit 15th August, 2018 @ 09:06

Is providing a housing service a taxpayer 'subsidy'?
Is that like the £8Bn subsidy for Tesco's providing a food service and the £144Bn subsidy for the NHS providing a health service?

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Stealth Bomber 15th August, 2018 @ 14:00

Wild comments, I love it. The Government doles out billions in housing benefit. Tenants spend it on whatever they like, and landlords get the pleasure of taking things through Court just to get their own property back. Utter madness.

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Tom 15th August, 2018 @ 16:03

If Landlords weren't such greedy b@stards expecting at least 5% yield, UK tax payer wouldn't have to subsidise. Benefit scroungers.

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Tom Tit 15th August, 2018 @ 16:50

I wouldn't get out of bed for 5%!
10% for quality tenants.
Double that for problem tenants -if I could be bothered with all the hassle.

Ever considered why shit tenants get shit landlords?

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Stealth Bomber 15th August, 2018 @ 19:42

Tom Tit. I just love the logic here. We hate benefit claimants and don`t give them a chance, landlords and letting agents are turning them away in droves. Yet at the same time we are greedy bastards making a fortune out of the tax payer by stealing housing benefit payments!
The other Tom, you are the real TIT here, and I suspect you are way behind the latest rounds of retarded Government legislation. Still, when your only purpose of coming on here is to vent, there`s not much point in spoiling your day with little things like facts and truth.

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Jamie 8th November, 2018 @ 19:22

Comments about positive experiences with DSS seem to be from the tenants themselves, but positive experiences from landlords seem to be few and far between.

The system needs reform. It ought to be possible for the government/council to pay the full rent to the landlord from day one, and guarantee it. (Perhaps even in the case of split payment where the tenant would also have to pay the government their portion.) With such a situation, DSS tenants would become equally attractive as other tenants.

BBC story just out: Worth reading albeit it with unsurprisingly slightly left wing BBC bias.

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Housing 9th November, 2018 @ 14:01

Hello everyone, after reading this article and all the comments and hearing on these sad stories, plus knowing first hand what its like. I have started a go fund me page that will benefit us all. Please visit our page and donate if you can, so we can make a change. Thank you.

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KLB 8th December, 2018 @ 21:06

Reading this article is not really any surprise and whoever wrote this, obviously NEVER experienced being on any kind of benefit and obviously has no wider mind-set or any realistic, look out the box common sense.

Very narrow-minded!

DOES NOT mean they’ll (the writer) NEVER NOT end up on benefits either. Anything can happen and to anybody at anytime and to put them in a situation where they need financial help.

A loan from the bank is not far the same concept. Borrowing funds for a bank loan to the employed and benefits to the unemployed.

What’s the difference?

Oh yes! Bank loans need paying back with interest, that ends up quadruples in final payments, and many times this is to fund landlords their rent and bills.

How many millions living in the UK are in debt? And I’m sure the actual figures would definitely be at least up to 85% of those, are in employment

My money and yes I am on DSS, has mostly gone on my rent (incl. bills, essentials and food). Because I’m on less income I understand my budget better as more cautious than a lot of those in employment.

Hence reasons I’d never own a credit card or borrow from a bank, ever.

Oh but coming from one who is NOT in full-time work, surely my mind-set couldn’t be in this way in cline. Lol

And those who get back into work do pay back the government in taxes or if worked for years prior to benefits, is owned their taxes in DSS/HB benefits.

And until experience such situation I think those like yourself (writer) should not pass such insensitive judgements. And I find this extremely high in discrimination. You shouldn’t brush everybody off with the same brush. You cannot judge a person’s financial situation or such I re-phrase that to, money management, purely on their employment/occupation status.

Let’s hope the writer here, never loses their job and this could happen to anybody at anytime for a number of circumstances to randomly occur. And even with savings, this doesn’t last.

It goes the same with some landlords accepting students but NOT DSS/HB. What is this all about? “Student friendly” If one is not in employment or a DSS/HB claimant, but a full-time student, they still need proof of where the money source is coming from to set up the standing order.

At the end of the day, we ALL have ONE thing in common. BILLS to be paid. If the individual has excellent credit checks and can pay the funds, via BANK account ONLY, individuals occupational status doesn’t be of any issue but more down to the lifestyle, living situation and personality of the individual tenants. Something that I hope in near future landlords will start to take seriously and even help those individuals like myself get away from benefits because I really do not think for one second any landlord would believe, they are one of the main reasons many are on certain benefits in the first place. Explanation for this a bit more further down.

NOT once do majority of landlords mention the possibility of “professional” tenants, being made redundant or to get fired from a job which does happen unfortunately and just like BOTH employees and those on DSS / HB when set up a standing order by bank account, this is automatically done so therefore this is a secure way for payments to be made. I totally agree with NEVER to deal with cash-in-hand transactions and these individuals are ones who are more likely unreliable and there’s huge risks.

The main upset, for those like myself;

What about the individuals on ESA? Ever heard of this? Those, for whatever reasons are unable to work, or limited to work, this can affect EVERYONE at anytime and the housing association for actual housing is terribly difficult for single persons on ESA due health issues, especially as the waiting list is like, years.

I have been on the look out for a small one bedroom en-suite washroom studio via private because I suffer OCD, like a decent clean place and have all the right funds via DSS/HB with extra for essentials and food.

Unfortunately no private landlord to this standard will accept me purely because of my DSS/HB status.

Really disheartening as I have been paying rent to my parents for 15+ yrs via being in work and in the last several years as a ESA claimant.

In all this time, have had no issues as all done via stand ordering, just like I’d do with a landlord. I seriously do not see any issues here. And because of this, landlords NOT willing to take in consideration of the very liability of many of those on benefits, like myself when comes to payments...

I’m stuck still living at home at 35 with a verbal abusive stepfather, a mother who has never been emotional connectioned with me since my biological father left me at seven and although getting professional help to help me with this, still not able to get away from this living situation and as I suffer hygiene and order OCD and with order, this actually helps with all my payments, actual health conditions contributes to being reliable with all my money managements and many other lifestyle behaviours too. Which NOT one landlord takes into account or consideration. Oh hold on, actually rewind a few minutes in the process of the meeting with I and the letting agent.

They know the truth and on all my previous viewings that I’ve attended, not disclosung the fact I’m on DSS, that they have all said I’m a perfect tenant candidate. They ALL accepted me with my great record and I proved and showed my real personality away from the depressed deep me, but the one I want to be.

I’m in part-time studies to get me back into work and have enough savings, this from previous jobs, as saved and said my total income from part-time work, truthfully, this is the ONLY lie, I actually added up the income from DSS/HB, I’d get for that particular property.

The writer here definitely hasn’t done any research to know what individuals on particular benefits, that the LAW say can get in HB towards rent.

I have come up very positive in ALL reviews for letting agents, even they say the landlord is impressed and to get me on their agreement.

And now, I believe you all know where this is going from here...

💣DSS/HB is now being mentioned because cannot show proof of recent employment payments.

Thanks! Now all my anxieties, fear, depression and even suicial thoughts come rushing to the surfaces, yet again. It feels like landlords are racist against DSS/HB and once the day comes when landlords STOP judging those on such benefits, admit even if they have said I make an excellent tenant, they’ll NEVER ADMIT to being unfair and purely discriminating.

Note; to all DSS claimants here, if the very naive mind-set of the writer here, for whatever reasons, lost everything then by word of her own mind-set, they have put themselves in that exact category they put us into. But hey who knows? Maybe the writer had always been the person who is always been great with payments. Automatic will be a liability with payments ALL because on benefits!

Like nobody in work is unreliable and gets into debt. lol

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John 26th August, 2019 @ 11:03

I have been a Landlord since 1988, always dealing with the Local Authorities.
Up until the beginning of this year I had no problems whatsever, in fact some of my properties were in need of minor repairs, which the incoming tenants put right for their own comfort.

Due to the various law changes recently introduced, I am selling the entire portofolio of 37 properties.
I do not blame tenants, I blame the government for creating a total mess of the housing market.

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Bella 13th September, 2019 @ 17:25

It is very disheartening to read some of the comments, I am a lone parent to an amazing princess. I had to claim dss as I was made redundant. I now work part-time as a teacher. No one aspires to be on benefits, I graduated with a masters in education and envisioned an amazing and rewarding career, however in London the amount landlords charge for rent is at best extortionate! I have been trying to move as my current accommodation is unsafe, I always pay my rent on time and have even fixed up the place as the landlord seems to be of the view that his tenants on dss are subhuman and therefore do not deserve to have a decent place to live. I am constantly met with NO DSS ads online and humiliating rejections from letting agents. I am now considering moving abroad and settling down in a country where you are not penalised for and shamed for being a lone parent and where I can earn a good salary.

However I understand both view points and emphasise with both landlords and tenants and the sad truth is that our current government are waging a war against the working class and disadvantaged. Being educated or being in full time work does not guarantee the ability to rent, as often there is a standard annual wage requirement which most people in work do not earn! I was earning 29k in the past as a teacher and was still getting declined to rent in London as I wasn’t earning the standard 30k+.... the system is broken and there is no limit to what landlords are allowed to charge!

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Stealth Bomber 13th September, 2019 @ 21:24

Bella, you are a victim of being caught up in the suffocation of the London bubble, and it seems to me that’s where the majority of this extortionate rent for a dog kennel issue lies. Yes there’s high rents, and yes there’s some rough properties which are real bad, all over the country, but the two seem to combine most regular in our wonderful capital. You have to be realistic if things like single parent hood or qualifications and experience impact on your earning potential. I wouldn’t be anywhere near London if I could only earn a 30k salary, that’s not arrogance it’s reality. ‘ No DSS ‘ is for many reasons. Landlords can’t get an insurance policy if tenants are DWP claimants. These decisions have been made by the insurance industry, NOT LANDLORDS. Guarantors are a waste of time if it comes to rent arrears and Court action.

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Dante Lloyd 2nd November, 2019 @ 10:03

As a large percentage of benefit claimants are minority groups, it is indirect discrimination to require 'No DSS'. This is of course illegal and it's only a matter of time before those responsible are brought to task.

You can go on all you want about reducing risk but what you are doing is making it harder for vulnerable people such as the disabled or single mothers to find housing.

If you had it your way, I would be out on the street because I dared to have a debilitating illness.

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allan 2nd November, 2019 @ 10:49

There are now thousands of private landlords selling up because of the changes in government attitudes and tax .buy to let is finished.Do a property search for your area and look what’s on the market it’s full of ex rented properties. So where do the people go now ,someone has not thought this out and renting just got so much harder. Single property owners are running for the door

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stealth bomber 2nd November, 2019 @ 12:12

Dante Lloyd The simple fact is, benefit claimants should not be falling into the hands of private rental for their housing needs. Government and Banks have created this mess, so you’re looking in the wrong place to be playing the blame game. More housing problems than ever before, due to ‘bedroom tax’ and the removal of direct payment to landlords from DWP was a huge mistake. Still, must of us are over and out now. Good luck waiting for the Government masterstroke.

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allan 2nd November, 2019 @ 12:58

I you are a private landlord you should be running to the exit and getting out now, somewhere down this timeline you will be forced to take the cheating tenants. the game is up get out now. I now sleep much better having sold up. dont be the last to leave the sinking ship

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alex 27th November, 2019 @ 20:05

being employed guarantees that you will pay your rent, obviously, and no one gets sacked anymore so its totally reliable and guaranteed. good article

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andrewa 3rd December, 2019 @ 18:36

Stephen H. Sounds like a socialist.
Hitler was a socialist.
The government of Germany during WWII was socialist.
Stalin was a socialist.
The British Liberal party was in government when they invented and paid for the construction of concentration camps.
And people are PROUD of being socialists? Or a SJW?

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andrewallencia@gmail 3rd December, 2019 @ 18:40

Alex, it's a question of statistics.
Statistically employed tenants are far more likely to pay their rent than DSS.
Renting to DSS is like playing roulette with 10 zeros whilst renting to the employed is like blackjack :)

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Grumpy ex landlord 31st December, 2019 @ 22:05

What a thread!

@Allan #730

Well said. I ran for the exit. Sold all properties.

3 years ago we stopped taking DSS tenants for many of the reasons above. It is a terrible shame the good dss tenants are affected. But we had the same issues.

However just as all landlords are now tarnished with the “scumbag landlord” mark the Bad DSS tenants ruin it for every one else.

Government (all parties) policy is to drive out of business all small private landlords.

To all the people complaining about high rents now. Just Wait until all the small private landlords have sold up and there is no competition when it’s now all owned by large companies.

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Anita 23rd January, 2020 @ 14:22

I am just going to start to find a tenant for a small property in Derby and have come across Derventio housing trust who deal with tenants with various social/other problems. Apparently, this company receives money from the council for tenants and they pay rent to the landlords, which indicates to me that there would not be a problem with non payment of rent. Do any landlords out there have any experience with this housing trust that could give me feedback on whether this may be a good thing to do?

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allan 23rd January, 2020 @ 14:41

If you are a private landlord in Scotland new stats out today show it will take you about 42 weeks to get a Tennant eviction its 17 weeks in England the SNP changed the rules, can you afford no rent for 42 weeks plus the legal costs of eviction. this is now a game not worth the risk and that's why I am out of the landlord game

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Stealth Bomber 23rd January, 2020 @ 16:16

@Anita. There’s more to being a Landlord, than having the rent guaranteed, if that’s your main motivator for considering this move. You could take out an insurance policy to cover unpaid rent, or even go guaranteed rent with a letting agent, although their monthly percentages effectively mean you’re covering it yourself on a month by month basis. Our wonderful Landlord host, has covered many of the variables, which can become out of control at the best of times, but with social housing, you’re increasing the odds greatly. Unless Derventio have a specific clientele which they support, you will be at their mercy as to who goes in. Smokers, pets, unruly kids, and damage to property, all come together far more often in the social housing circle, places get treat like council houses and no one cares. Insurers won’t give a policy on a private let if it’s got DWP tenants, so do your homework on that also. It’s your property and you’re the one risking it all. Personally there’s no way I would let a faceless organisation take control of my properties. We have all the crap at one end of the scale, with ridiculous BTL mortgages, paying full Council Tax on empty property, and no direct rent payment from DWP anymore. Then Local Authority come crying with the ‘guaranteed rent’ carrot, for us to solve the housing crisis. Sorry I digress, rant over! I hope all goes well, whatever you decide.

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Grumpy 23rd January, 2020 @ 16:57

Hi Anita,

Well done finding this blog. Spend some time reading this before you jump into renting out your house. It sounds like you are fairly new to the game so tread very carefully.

As Stealth and Allan pointed out the risk of renting to a company “guaranteeing” the rent is very very risky

You might get your rent guaranteed but without a CAST IRON contract guaranteeing they return the property in perfect condition you are wasting your time.

The damage costs WILL massively out weigh any rent you receive.

As Allan said it’s a mugs game now being a small time landlord. For a small property before I would rent it out you should consider To sell it now while it’s still in good condition and put the money into your pension.

You should get tax relief on the pension Of about 20%

There is ZERO chance you get a 20% return on the rent vs house value.

Good luck

(Ex landlord -all sold up... been there got the T shirt)


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