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Sitta Sittambalam

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my expertise in the industry

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Is it not important to add some key facts re limits on LTV, Age limits, to avoid unnecessary enquiries make it even before one launches into an application?

From: Sitta Sittambalam 29 March 2021 09:52 AM

I would say if this Sophia is a genuine case then I agree totally with Andrew Towneshend, in respect of council responsibility as well as with his comment "unsafe homes > worst offenders are Social Housing," so effectively Govt legislation and Councils are treating social housing people as not entitled to the same protection that they expect private landlords to maintain. It is a well known fact that far too many on the Councils' payroll are not fit for employment!

From: Sitta Sittambalam 29 March 2021 09:46 AM

Well it is all expected form from the elected scoundrels who as said earlier are there to simply help themselves and brag that they were "elected", What a bloody waste of public money buy these wasters! The councils simply employ far too many unemployables and the central govt. manipulate the councils and the judiciary to minimise their NOT focussed on how to dispense a problem fairly! AND to cap it the courts work to largely benefit the legal eagles, after getting largely into the pockets of their paying clients??

From: Sitta Sittambalam 11 March 2021 09:17 AM

Such reckless greed propelled endangerment must be punished including confiscation of the property or a substantial charge on the value of it!!

From: Sitta Sittambalam 23 February 2021 10:37 AM

Or even build a few more council houses and subsidise the rents and allow loads of two legged animals to rent to, with apologies to those fair and reasonable tenants, who are mindful of taking care of their rented house/flats.

From: Sitta Sittambalam 01 February 2021 15:18 PM

Typical of so-called elected reps (Erps>MPs Councillors) and many govt / council employees TELL what property owners must do irrespective of consequences to owners and WITHOUT SAFEGAURDS to owners. It is high time all these clowns / dimwits get some money allocated to build more homes for such purposes, instead of sucking blood out of LLs. Oh no that will never happen because their grey matter, if any exists, will not permit such common sense! LL alternative if compelled to take pets rent goes up by £50 to £100 / month. Less to worry with recovery from deposits.

From: Sitta Sittambalam 29 January 2021 10:19 AM

As we all know very well most council employees are basically unemployable, except in our public sector, incompetent, ignorant, arrogant and extremely badly supervised. They have been infected by the govt. disease of plundering landlords.

From: Sitta Sittambalam 27 January 2021 10:15 AM

So what's surprising, this clearly demonstrates the warped thinking and bent inferences of some people, associated with the accommodation / housing sector. But don't forget the biggest culprits in all this are the govt. and the councils.

From: Sitta Sittambalam 27 January 2021 10:05 AM

Many civilians.The worst govt. clerks are in the flipping Councils.

From: Sitta Sittambalam 26 January 2021 09:17 AM

So what is new? Politicians do not make these laws simple and clear, as many would have to have another ( good English knowledgeable person) explain their fancy forms and rip off fees. Also as Khan says in the last paragraph above > even many govt. clerks DON'T understand the requirements. Many a law in UK is made for the benefit of lawyers to argue over and make money from

From: Sitta Sittambalam 26 January 2021 09:15 AM

As usual a rather poor analyses, with quite a few holes. A reduction in EU tenants over the years can also have some such tenants returned, but many would have applied for UK citizenship. Some would have bought their own houses exiting tenancies. The same applies to non-EU tenants, who if refugees or migrant workers may have acquired, UK right to reside. Another factor is the wording of the survey questionaire and the understanding of respondents of the survey questions. What effect has the loss of nearly 100K lives on this?? Finally has the housing crisis eased?? Possibly slightly?

From: Sitta Sittambalam 26 January 2021 09:01 AM

Maybe the substantial rent arrears should be turned around and an equivalent delay (six months) in salaries payment to our parasitic, unbalanced thinking, elected reps should be in force and then see how they react. Alternatively they can legislate for lenders to stay ANY ACTION until similar period 6-9 months arrears has built up. This they will never do as most of their buddies are in lender institutions!! Also why do the fair and correct action when they can irrationally penalise LLs.

From: Sitta Sittambalam 25 January 2021 10:10 AM

This is a report on generality. What matters is the reality of each individual LL's experience and if each of their tenants is paying the rent, So it does NOT matter where your BTL is? Similar to the National average wage and the national average payrise that the govt. ONS publicise!!

From: Sitta Sittambalam 25 January 2021 10:01 AM

Disgusting yet not surprising, as clearly the level of punishment / penalty is grossly inadequate. Clearly confiscation and sale of property, and 50% sale price as fine and LL told he cannot be a ll anymore. Also if there is a mortgage lender should foreclose on the mortagge

From: Sitta Sittambalam 18 January 2021 09:24 AM

It is clear that our grossly overpaid politicians and so-called public sector clerks are continuing with their mental condition crisis. Nice one MPs for legalising robbery and deceit for tenants. It is high time MPs worked without pay like councillors, but only get expenses!

From: Sitta Sittambalam 18 January 2021 09:07 AM

It is relevant to note that there possibly are three hawks who are keeping an eye on this to rip off landlords. Proptech wakey wakey! 1.Lender, 2. Property insurers, 3. Councils. All of whom will look at how they could increase their takes, while the govt. will sit and look at it and do ZILCH.

From: Sitta Sittambalam 15 January 2021 09:06 AM

It is clear LL, he got off pretty light. One year's rental as penalty, especially after being given time to fix the problems is not unreasonable combined with a life ban from property letting/managing!

From: Sitta Sittambalam 13 January 2021 13:54 PM

Andrew M, JohnT, We all know very well how grossly incompetent and devious the UK public sector is. I t is undoubtedly the fault of the senior govt staff and the combined ignorance, incompetence of our politicians. They do not give a hoot so long as they can be parasites on Landlords. I too am sympathetic to many genuine tenants on hard times. But both Councils and central govt MPs/Ministers are indirectly, directly using the private funds of many a landlord . they all talk a load of B/s, about being fair, knowing jolly well what they are doing is grossly unfair!!

From: Sitta Sittambalam 13 January 2021 13:21 PM

On balance we should consider granting the London Mayor his wish. On three condiitions 1. All lender banks should reimburse LLs with equivalent rents, with no expectation of re-imbursements, throughout this period of eviction/rent free stay, 3. For LLs with no mortgages, Govt must guarantee at least 75% market rent, 2. All Council staff should take a 33% pay cut, 3. The Councils and Lender Banks should sign upto home refurbishment to a fair standard when tenants do vacate. AND 4. Number of Councils across the country MUST be reduced by a third?! Well surely this is quite achievable Mr.Mayor, afterall what does govt or banks do when they run out of money > PRINT A SHIPLOAD MORE, REMEMBER WHAT YOU HAVE BEEN DOING SINCE 2008, JUST STAY ON IT!! Mr. London Mayor consider your wish GRANTED IF YOU CAN GET THE ABOVE DONE!

From: Sitta Sittambalam 10 January 2021 13:32 PM

Please calm down guys, for a moment, hard as it is when the flipping bent prats in Parliament, Councils and other govt employment, > the lot who tell us how we should do things and get paid an awful lot of money for their massive incompetence and not unknown devious conduct. Here is an idea for those brainless dimwits. Now that due to home working many companies and some govt. depts. will be able to release significant amount of buildings, which can be converted to housing. These brain dead lot can take their favourite tenants,>unable/unwilling to pay rent and put them in those buildings and feed them, instead of screwing the private landlords! I write this with an apology to a very small proportion of fair minded, genuinely concerned and committed public sector employees and parliamentarians > I would say this may be around 5 to 10%. Oh and one final point govt. talks a lot about free market enterprise and load of bull, but remember they are there to protect their buddies irrespective of whether they are blue red or yellow (Con, Lab, Lib). Remember what they did with Fred the Shred when he collapsed the UK Banking System within days of the Northern Rock Crash. NOTHING , well took his (k)nighthood and made him see Daylight?

From: Sitta Sittambalam 10 January 2021 12:56 PM

It is really important when such notorieties/celebraties make controversial public proclamations, /campaigns /advice to govts; for such do gooders to disclose their own interests in the same field at the outset, so the reader and all affected / interested parties know ALL associated facts. Come on Mr.M.Lewis open your books on property ownership and let us the public see for themselves. Far too many are good at deciding on issues of others, but never being transparent about their affairs, especially the MPs. Just recall how difficult it was to get their expenses made transparent some 10-15 years ago!!

From: Sitta Sittambalam 09 January 2021 11:04 AM

P.S. I recall £85million as the price at which Martin Lewis sold his business and he was retained by the buyers to continue at a good deal or so. While I am sympathetic to the genuine public on hard times, the problem has been magnified over the past 20years or so by different govts. giving the rent money to the tenants rather than landlords, the so-called excuse given for this at the time by brainless MPs was to help the poor tenants with managing money and that continues today. We really have some morons both in Parliament and as govt employees. They could have just the Benefits office and given state credit cards to the benefit recepients thereby saving another fortune on the pay of benefit office staff!!

From: Sitta Sittambalam 07 January 2021 11:40 AM

Not all clever people are clever all the time. Martin has missed a blatantly obvious trick here! The house rent is a chain, to pay the mortgage(keep the wanks > sorry banks +financial rogues in the city fat) repairs to the house and for those who have paid up mortgages a supplementary income. We have got all shades of govt and politicians who are totally u/s as they are quite happy on their £90K p.a. salary plus rip off expenses. So Martin's argument should have extended to show a way for our flipping u/s MPs to the banks into this loop and tell "the unable to pay rent tenants" their debt will be registered with the lender direct and for those who do not have a mortgage, the govt. should fork out at least 50% of rent. The real problem is what do you do when lumbered with 95% crap MPs.

From: Sitta Sittambalam 07 January 2021 11:27 AM

I am all in 200% favour of this so long as the Lib Dems and all other political cronies who talk a lot about what others should do also put money where and what their mouth spits out! We have unfortunately got a public sector TOTALLY UNFIT FOR PURPOSE. And many an MP on nearly £90K pa plus expenses telling Jo public how they should spend their money. It would be fair and good if these dimwits take paycut to National average wage before any more mouthing!

From: Sitta Sittambalam 04 January 2021 10:40 AM

Simply proves the point of that "MANY OF THESE WASTERS ARE NOT FIT FOR PURPOSE / GOVERN". All this sadly should have been curbed with less Local Authorities and less coolie Councillors and council clerks

From: Sitta Sittambalam 25 December 2020 07:00 AM

Can they also come down on rogue employees(fraudsters) who collect their pay every month but do nothing or next to N! What bunch of dipsticks?? So what's new??

From: Sitta Sittambalam 03 November 2020 09:43 AM

Also if as he says quite fallibly that LLs have the greatest ability bear this cost, why not go to hhuge earners , excess of £100 or 200 or 300K pa and tax them at the old extortionate rate prevalent in the 1970s etc. eg 90%+ because it can be fairly argued that huge incomes are not essential for survival/ subsistence.

From: Sitta Sittambalam 03 November 2020 09:24 AM

As one saying goes, " Those who can > do, others teach/preach" In anycase Murphy should substantiate his claims with well founded, fair and detailed facts. It seems he is desparate for more political recognition and end up in house which pays £350/day for mere attendance!? Maybe I am wrong and an unjust cynic.

From: Sitta Sittambalam 03 November 2020 09:17 AM

£100 to £250 per visit and failure to actively execute remedial work should precipitate prosecution within 2 months. finally court should be empowered to order lender to foreclose on the mortgage and if there be no mortgage a compulsory sale order be issued by court AND a further levy equal to the original fine be recovered from of the sale proceeds. Also LL be barred from future letting /management of property for at least 10 years to life time. Just like most crimes the punishments are NOT sufficiently severe to be a deterrent, thus far!

From: Sitta Sittambalam 22 October 2020 15:56 PM

On balance this landlord has got off light having ignored planning notices re breaches between 2010 to 2015. Depending on the extent of breach maximum time allowed for rectification should be 3 months with council isits every month to monitor action chargeable at

From: Sitta Sittambalam 22 October 2020 15:35 PM

This scoundrel appears to have got off extremely lightly. Agreed there should be or should have been a sequestration order and delay in penalty payment should be subject to hefty interest charges similar to credit card interest rates or circa 2% p.a. plus banning him from any future lettings!

From: Sitta Sittambalam 16 October 2020 09:16 AM

Quite Right, financial incompetence and mis-management, which our public sector is notorious for. Please correct me if I am wrong, but Councils have reduced many of their services yet continue to demand full council tax + business rates and the LA Ombudsman is defunct.

From: Sitta Sittambalam 16 October 2020 09:08 AM

Hi Mr.Byfield, , firstly the age of the law is immaterial one should consider its merits! No it is not free to comply,to protect deposits, as there is a fee to pay in the protection option. Agree penalties have to be harsh to be effective, so how come the same principle does not apply to rent defaulting tenants and the so-called part-time Magistrates keep pushing the boundaries to defer penalising the tenants. Sorry but any fair minded son would unequivocally infer that this as mentioned earlier is LL BASHING AND MOLLY CUDDLING TENANTS!!

From: Sitta Sittambalam 15 October 2020 13:25 PM

Yet again this is a disproportionate law brought in by many of the arrogant, ignorant MPs, suppported by councillors and some assisting lobbying organisations, unemployable clerks in councils, because of some landlords rip-offs. This was and is never a fair law, it merely demonstrates "not fit for purposeness" of our lawmakers, those grossly overpaid, many ignorant, arrogant MPs. The deposit should be recorded/registered in the tenancy agreement and that should be adequate. All this is about how to rip off landlords and make tenants / lawyers rich by perverse means. the lawmakers go even further in holding the landlord responsible even if the managing agent has failed to protect the deposit. NICE ONE the moronic lawmaking deviants!!

From: Sitta Sittambalam 15 October 2020 10:18 AM

Hello Mr. Kaye, I am sure you have been aware that the many self proclaimed do-gooder politicians and pub(l)ic (sorry mis-type) employees are arrogant, complacent and full of themselves, living in the past and assuming either that the state infinite resources or that they have an infernal right to spend others' money. This is only for the landlords, but not for the finance sector where almost anything and everything crooked and bent is ignored! I agree fully with you in the imbalance of over-regulation of the PRS, because of a few rogue LLs. Also the clean money accountability is only for the flipping locals and not for the overseas who bring money into UK, because many of the politicians who depart/retire from this area go find a good home in some foreign migrant national's empire, e.g. a recent Finance minister from the blue party sat as an editor of a London evening newspaper. he is the joker who brought in the 3% extra stamp duty for BTLs, to curb LL buying more. The private school education has not been much use in his ability to think clearly, just a knee jerk action.

From: Sitta Sittambalam 14 October 2020 10:42 AM

Also remember a wealthy turkish 2nd/3rd generation migrant who is an extremely prominent public figure with an extremely English sounding name ending in"son". Having said all of the above I would add that although overt racial prejudice in UK is still far too prevalent, but is a lot less than it was some 30 to 50 years ago, albeit now more covert and subtle at times and blatant at other times. My recent experience of prejudice was only a few months ago with a policeman who dodged investigating a complaint against one a native for aggressive threats and damage to property (car and my house front door)saying "no corroborating evidence". On balance it a still in my view the best country to live in and I am happy to be here and would not want to return to live in my country of birth. It is a very small number of natives who truly make Britain Great, and it always crucial to remember that.

From: Sitta Sittambalam 02 October 2020 13:26 PM

Yes it could be right that some rogue LLs are from foreign communities, due as stated above fewer native LLs have made a success of being LLs. Also the average Smith/Jones is risk averse as I have observed with colleagues when I worked in a large company. The natives (not all, just a lot) who tend be bent go into estate agency, banks, financial sector etc. where they do not need to invest their own capital and are able get jobs easily due to being native?? Remember Fred the Shred Goodwin (a so-called Chartered Accountant, who did not understand liquidity); The head of FCA around the 2008 Banking Crash who was asleep on the job.

From: Sitta Sittambalam 02 October 2020 12:23 PM

I agree Mr.Barrett, and if I may, I guess you intended to state "fewer", correct me if I am wrong. But then again if a generation changed or in even less time there is nothing to stop some changing their name. I am from the far east ex UK colony and there were families that changed names then early 20th and late 19th century to Wilson, Breckenridge, Sanders etc.... just some examples

From: Sitta Sittambalam 02 October 2020 11:49 AM

Sorry computer misbehaving, it is my view the punishment / penalty is quite light. It should be severe warning 1st time with immediate removal of all L/L illegal actions/tenancies, and fair and reasonable time period given to rectify all shortcomings. Recifications monitored by enforcement and chargeable at circa £200/visit All income so generated illegally must be subject to recovery, and fines and costs laid on top?! NO FLIPPING WONDER JO PUBLIC AND MPs are anti landlords!

From: Sitta Sittambalam 02 October 2020 11:39 AM

Clearly a case of NOT A FIT AND PROPER PERSON to have / manage a rental property. the landlord has got off very light for a second similar offence

From: Sitta Sittambalam 30 September 2020 06:51 AM

quarters of unverifiable origins. It is certain some of the culpability lies with our various shades of govts over the years and the so-called financial sector, which has not been properly regulated, as there have been many who clamoured for deregulation, which every 10, 15, 20 years brings on a variant of Banking(virus) disaster, which govt was ready to vaccinate (bale out at any cost) with QE by the Central Banks, yet never, or nearly never baled out any manufacturing. Have we learnt anything from post WWII performance of the two countries that lost the w/war II? We as the public are also have a serious blame responsibility in not wanting to pay higher taxes but expecting higher rewards, concessions etc. and when a political party comes up with some higher tax proposals which all / most of them are scared to do now as they result in certain defeat at the polls. It is absolutely right, moral, ethical that every generation must leave a fair just and equitable inheritance to our future generations. Many of us are willing to accumulate wealth for ourselves and our families, and their futures, yet think twice about paying higher taxes, which I agree with in one sense as govts. are the the most wasteful spenders (HS2). Final passing note, just one example, where did that Chancellor(GO) who introduced SDLT on private BTLs, accept employment after leaving parliament?? to work for an Oligarch?

From: Sitta Sittambalam 24 July 2020 09:27 AM

Nice one from the "think tank". Let's not tax high incomes,(because all such propositions will be FULL BLOWN VOTE LOSERS to all politicans) but do it differently. It is vital to consider different proposals, How about trimming some of expensive salaries, expenses and perks(benefits) for MPs, Lords, and many an executive in the public sector, who are still in a dream world that GB is an Empire in so far just tell the public what they need to do, as we (executive) know what's best for them. Yet I fully agree that there is an inherent perverseness in the extortionate rise in house prices! We had one Chancellor increase SDLT for BTL, yet he and predecessors were delighted to see all kinds of foreign money pour into UK from certainly some dubious levy tax

From: Sitta Sittambalam 24 July 2020 08:56 AM

We simply get the sheep MPs we elected, in the majority. This is yet another example of arrogance of government thinking that since they have a majority they can do whatever they want. I am all for this legislation IF the govt. applied it across the board to ALL BUSINESSES. Then we could have riot as we had with the Poll Tax introduction by this same colour of govt. That is not to say that the reds are any better.

From: Sitta Sittambalam 25 January 2016 08:13 AM

That is about the quality and standard of staff and policy competencies employed by the Councils, and the wretched govt. knows this but does nothing about it. To the Councils and the public servants they just do not give a damn about anyone except themselves!

From: Sitta Sittambalam 12 January 2016 10:30 AM

The 35+50 billion was referring to the non essential HS2 only to be used mainly by MPs, civil servants and a few very well of and made-it-in-life (good luck to this lot) people.

From: Sitta Sittambalam 06 January 2016 11:44 AM

Well said all contributors from public above. We really got a few very expensively educated class in govt. who have not got the slightest clue about the REAL market place. It is not very different in the civil service/public sector either. Their view appears to be whatever they decide is fair and sod the rest. We as Joe public must shut up and pay up. A name called Putin comes to mind. After all the legacy we have now is the joint efforts of Labour and Conservative over the last 40+ years. Why not put that so-called £35 or £50, (more likely to £75 billion, by the time it is completed) into some affordable house building and sell them at cost +5-10% profit. Oh NO we cannot do that, we will be taking away the rip-off that our friends make in this sector, wouldn't we?! And we must allow whatever money coming from abroad, without any checks (on its origin) to buy expensive apartments in the city,(AND other investments across UK,) lock 'em up and leave them. Why capital gains tax them at 80%. Just for info. I am a landlord with a dozen houses and a massive borrowing.

From: Sitta Sittambalam 06 January 2016 11:41 AM

Well done Lord Flight. This regulation is typical of some parliamentarians attitude. GO (Osborne) does not, cannot, is scared to do the same with all businesses (especially the big ones, like Amazon, Startbucks etc.), in not allowing legitimate business expenses to be deductible. The imminent Judicial Review may put mud in his face. The significant factor in house price escalation is largely overseas investors bringing in money which cannot be verified as "CLEAN" or otherwise. Also why permit non residents to simply buy up properties in UK. Exceptional situations demand exceptional solutions, at least temporarily. No overseas person may buy here unless they prove that they are legitimately and actually doing business here. Give them 5 years to sell up and levy 80% capital gains tax on such properties. Additional measures can also be brought in to apply to UK investors limiting their BTL to no more than 2 houses per person, until govt. can improve its housing supply. Fix a time span for this 5-10 years. After many have forgotten how a female PM in UK sold off all the council houses in London and never put any of the money back into house building, instead paid off the national debt or or part of. Then came "Labour" and spent money without any care, due to squabbling between AB & GB (Tony Blair & Gordon Brown) as to when GB should sit at no. 10. No one in Parliament then observed the spendthrift ways of GB, which all blew up at the elections in 2010. OFcourse we deserve the govts. we elect, but the MPs are petrified to balance books and live within sensible means - sensible taxes, borrowing and spending!

From: Sitta Sittambalam 06 January 2016 11:08 AM

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