Our legal system is a farce!! 😤😤

[mickd1961]

Shaking my head in disbelief at this Mick, I hope there's a mechanism for you to get all or at the very least a good chunk of your money back.

Will these tenants be blacklisted, absolute vermin.

Thanks WCV.

The Council have been informed that they are keeping the rent and it’s not being passed on to us and from now on the money will be stopped from their benefits to pay back the £14k plus if lost rent but it will take years to get.

The £22k plus legal fees are lost because the tenants are both bankrupts and her brother who was guarantor are not worth chasing as he was already used as guarantor on their previous rental home on which they did exactly the same as they’ve done to us.

It will cost more in legal fees to try to recover than we would be due to get back and they know this.

Proper due diligence was not done on this family by our estate agent who handled the property for us but once again, proving that will cost more than we would get back.

With law changes coming in in favour of tenants later this year anyone must be mad to rent out now,it’s fraught with danger.

We are selling our final two rental houses at present and then father in laws house if we ever get it back.

The law and the government offers virtually no safeguards for landlords now so please do not fall into this renting out trap folks.

[baggieal]

Surely Mick it’s bog standard for an estate agent to make the proper checks. For example we are renting at the moment so £2000 per month. An affordability check was made to ensure you earn at least three times your annual rent and six months worth of bank statements had to be submitted proving income. Also everyone in the rental had to be checked out ie employer name - any criminal convictions - any past CCJ’S etc etc. We got frustrated and said it’s the same as a mortgage application and was told - follow the procedure or there’s plenty in the queue wanting the rental.

[mickd1961]

Surely Mick it’s bog standard for an estate agent to make the proper checks. For example we are renting at the moment so £2000 per month. An affordability check was made to ensure you earn at least three times your annual rent and six months worth of bank statements had to be submitted proving income. Also everyone in the rental had to be checked out ie employer name - any criminal convictions - any past CCJ’S etc etc. We got frustrated and said it’s the same as a mortgage application and was told - follow the procedure or there’s plenty in the queue wanting the rental.

We’ve Ben renting out for 20 years, we know the ropes and have used the same letting agent for 15 years without a previous concern.

The fact that these people were about to be taken to court by their previous landlord didn’t come to light as they applied for our property before the other court case was instigated.

They also had a guarantor as well which is supposed to be “belt and braces” but in effect means nothing.

These people are specialist scam artistes, they pay their rent on time up until the landlord needs the property back and as soon as legal notice ( Section 21 Notice ) is served they immediately stop paying rent because they know that the law is a joke and they’ll likely get another 15-18 months in the property.

The biggest mistake we made was in not having landlords insurance to cover against a bad tenant.

This is my fault, I never knew these policies existed until it was too late, no estate agent has ever recommended that we take one out and indeed, even our regular rental house insurer has never mentioned having this type of policy to us.

I’ll always take a personal mistake on the chin but to be 15 months down the road and still not able to get them out despite the highest court order available in the land is what’s winding me up.

I’m shortly going to be visiting every estate agent in our area with the personal details of each of these tenants to make sure they get blacklisted in our area, I owe this to every other potential landlord victim.

When you consider it was a home my in laws saved for, had no mortgage for, brought up three children in and looked after with pride into their mid and late 80’s and then vermin like this take the old man for £35k whilst he sits vacant in a nappy waiting to be changed by strangers!!

F U C K I N G SEETHING beyond belief!😤😤😤😤😤😤😤😤😤😤😤😤😤😏😏😏😤😏

[soulman101]

So sorry to hear what you are going through.
The stress alone from your fathers in law battle with dementia takes such a toll on your family's health.
I spent 5 years sitting with our Mom every day and then 18 months seeing her every day in the care home.
I couldn't have coped with what you are going through on top of the Dementia.
One of my mates is selling his renters, as soon as they become vacant.
Why would they allow the law to trust people to hand over the housing benefit.
You would have thought the Tory's would be on the side of the landlords.

[baggieal]

We’ve Ben renting out for 20 years, we know the ropes and have used the same letting agent for 15 years without a previous concern.

The fact that these people were about to be taken to court by their previous landlord didn’t come to light as they applied for our property before the other court case was instigated.

They also had a guarantor as well which is supposed to be “belt and braces” but in effect means nothing.

These people are specialist scam artistes, they pay their rent on time up until the landlord needs the property back and as soon as legal notice ( Section 21 Notice ) is served they immediately stop paying rent because they know that the law is a joke and they’ll likely get another 15-18 months in the property.

The biggest mistake we made was in not having landlords insurance to cover against a bad tenant.

This is my fault, I never knew these policies existed until it was too late, no estate agent has ever recommended that we take one out and indeed, even our regular rental house insurer has never mentioned having this type of policy to us.

I’ll always take a personal mistake on the chin but to be 15 months down the road and still not able to get them out despite the highest court order available in the land is what’s winding me up.

I’m shortly going to be visiting every estate agent in our area with the personal details of each of these tenants to make sure they get blacklisted in our area, I owe this to every other potential landlord victim.

When you consider it was a home my in laws saved for, had no mortgage for, brought up three children in and looked after with pride into their mid and late 80’s and then vermin like this take the old man for £35k whilst he sits vacant in a nappy waiting to be changed by strangers!!

F U C K I N G SEETHING beyond belief!😤😤😤😤😤😤😤😤😤😤😤😤😤😏😏😏😤😏

I feel for you Mick as I would feel like revenge! I bet the nightmare is not over either when they get evicted as they will most likely trash the place as they know the deposit won’t be forthcoming. I would photograph all the exterior as know tenants who have left before with the windows.

[Omegstrat6]

I know of a lady with several properties up North and whilst the vast majority of her renters have been as good as gold, she too has had one like yours which has caused her so much hassle that she too is re- considering her stance on renting. The law certainly isn't on the landlord's sides in cases like this and there are those that obviously take deliberate advantage of it. Generally these tenants are the ones with little or no money or on benefits so they know they won't have to pay back any fines/legal costs either.

The broader picture though is that there are also plenty of renters being shafted by some unscrupulous landlords. You get bad tenants and you get bad landlords, like in every aspect of life. Aside from the law being in desperate need of reform to protect both parties, the main driver in this is the lack of housing-especially social housing. Right to buy and Right to let may have benefited quite a few but the consequences of these (because the government did not help replenish the housing stock ) has meant virtually a whole generation have been forced into renting at ever increasing costs and are likely never to be able to afford a mortgage or own their own property. The majority of these are people who work, not necessarily on low incomes as such but whose salaries do not match the escalating cost of housing.

As for those on benefits, for those lucky enough to get council properties there are still too many scummers who take the system for a ride. A neighbour has just had this woman and her son move in next door to him in a council property and she is already being a nightmare. She recently privately rented in the village but trashed the place and didn't pay rent for months. The landlord, at long last, managed to get shot of her but the council then moved her into our area which is mostly elderly or disabled where everyone gets on and looks out for each other. I understand that the council have a duty of care to house people, regardless of their behaviour, but all they have done is move a problem. I get that councils cannot make people homeless but there needs to be a more robust system to ensure that renters treat their properties (and neighbours) with respect and not just rely on the fact that they will be taken care of. Of course the council has a list of rules around this but the process takes ages.IMHO tenants like this need to be moved to controlled barracks like accommodation away from main communities where they might also get some help to address their issues/behaviour but, of course, this isn't ever going to happen either because of lack of funding or because some w oke official (who doesn't have to live next to such people) claiming that it would be "against their human rights".

I really sympathise with the situation you are in and just hope that it is resolved soon.

[baggieal]

So sorry to hear what you are going through.
The stress alone from your fathers in law battle with dementia takes such a toll on your family's health.
I spent 5 years sitting with our Mom every day and then 18 months seeing her every day in the care home.
I couldn't have coped with what you are going through on top of the Dementia.
One of my mates is selling his renters, as soon as they become vacant.
Why would they allow the law to trust people to hand over the housing benefit.
You would have thought the Tory's would be on the side of the landlords.

Trouble with a guarantor - unless a guarantor is fully checked out financially it means jack s hit as they might be bankrupt or be in a worse position than the tenant. In my case I was checked out financially and had to forward six months worth of bank statements to prove affordability. It’s doubtful if someone has a good job with consistent income - they would then go to being unemployed. Must with good jobs always find another good job in the event of !

It’s a sad state of affairs as a friend is a top Judge and he said - if a person goes to court and they have nothing - what can they do!! Go to court with a good income or assets then you have to start worrying if a case goes against you. No money should mean prison as for sure the f uckers would soon find it from family etc to stop being sent down.

[kettering_baggie]

We had a rental house in Northampton for about 10 years, same tenant, no problems. When she left, we decided to sell as we thought that we wouldn’t find another tenant like her and quite a lot of money needed to be spent on the property. No regrets, especially when I hear tales like Mick’s. We did have landlords insurance, I think that it was at the letting agents advise.

Mick, I wish you all the best in getting this resolved and as the old saying goes, ‘Don’t let the bast@rds grind you down’!

[mickd1961]

I know of a lady with several properties up North and whilst the vast majority of her renters have been as good as gold, she too has had one like yours which has caused her so much hassle that she too is re- considering her stance on renting. The law certainly isn't on the landlord's sides in cases like this and there are those that obviously take deliberate advantage of it. Generally these tenants are the ones with little or no money or on benefits so they know they won't have to pay back any fines/legal costs either.

The broader picture though is that there are also plenty of renters being shafted by some unscrupulous landlords. You get bad tenants and you get bad landlords, like in every aspect of life. Aside from the law being in desperate need of reform to protect both parties, the main driver in this is the lack of housing-especially social housing. Right to buy and Right to let may have benefited quite a few but the consequences of these (because the government did not help replenish the housing stock ) has meant virtually a whole generation have been forced into renting at ever increasing costs and are likely never to be able to afford a mortgage or own their own property. The majority of these are people who work, not necessarily on low incomes as such but whose salaries do not match the escalating cost of housing.

As for those on benefits, for those lucky enough to get council properties there are still too many scummers who take the system for a ride. A neighbour has just had this woman and her son move in next door to him in a council property and she is already being a nightmare. She recently privately rented in the village but trashed the place and didn't pay rent for months. The landlord, at long last, managed to get shot of her but the council then moved her into our area which is mostly elderly or disabled where everyone gets on and looks out for each other. I understand that the council have a duty of care to house people, regardless of their behaviour, but all they have done is move a problem. I get that councils cannot make people homeless but there needs to be a more robust system to ensure that renters treat their properties (and neighbours) with respect and not just rely on the fact that they will be taken care of. Of course the council has a list of rules around this but the process takes ages.IMHO tenants like this need to be moved to controlled barracks like accommodation away from main communities where they might also get some help to address their issues/behaviour but, of course, this isn't ever going to happen either because of lack of funding or because some w oke official (who doesn't have to live next to such people) claiming that it would be "against their human rights".

I really sympathise with the situation you are in and just hope that it is resolved soon.

The lack of rental properties is going to become massively worse in the coming years, mainly due to this idiotic government.

With the law changing to prevent “no fault evictions” ie. the Section 21 Notices that have been in place for donkeys years that allow you to get your property back if you need it for yourself or you need to sell the property are being stopped.

Unless you go to court the tenant will tell you when they want to leave and without a full on legal battle you won’t be able to get your property back.

It’s all utter stupidity.

The government are creating a property shortage, an increase in rental prices and more homelessness and people on council waiting lists for property that they’ll probably never get.

It’s madness created by simpletons.

[kettering_baggie]

Don’t expect Labour to make things better for landlords.