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Michael Foley
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Edwin, who knows what’s going on I believe Her Majesty has referred to dark forces before, Mr Harold Wilson UK Premier at the time was been watched by Security Forces for visiting Russia, talk about not trusting your Mother, we just keep clear of all that heavy stuff. We are targeted and sanctioned for being legitimate landlords.
From:
Michael Foley
07 August 2022 20:38 PM
Paul, asked a question which is the heading of this Article, SO WHAT DO YOU WANT TO TELL GOVERNMENT. Do they really mean they don’t know after the thousands of blogs aired on here. They must be taking the Mick having already produced a disgraceful 80 page WHITE PAPER It’s obviously all crap and should be binned before it turns GREEN and collapses the whole economy.
From:
Michael Foley
07 August 2022 19:51 PM
Andrew, yes I know that one to had a flat sharer together with others while one was out of work in 1964 when we lived in Hornsey, he couldn’t find work so I took a day off from my own work to look for a start and got 2. I sent him to one in place of me to Greenpark working on Victoria tunnel construction earning £122.00 pw but he never gave me back the £85.00 borrowed while out or work.
From:
Michael Foley
07 August 2022 15:05 PM
The surest way to loose a friend or employee is to lend them money, very unlikely you will ever get it back even when they are in clover.
From:
Michael Foley
07 August 2022 12:18 PM
I had Tenants Diplomats from foreign parts that wouldn’t pay or go and told me there was nothing I could do about it which was wonderful considering I had built the house. Eventually relations went sower between them and UK and they got expelled, one problem solved.
From:
Michael Foley
07 August 2022 10:50 AM
Ellie, yes and was very limited at that, landlords had to provide some services I remember landlords coming around with a box of cornflakes and a pint of milk, there you go I have provided you with a Breakfast. There was no private lettings and no one would buy a house for someone else to take over and sit there at a minute rent while owners pay the huge Mortgage’s relatively speaking. I only remember a handful of letting Agents in London, that comes to mind Anderson’s the main one. Now we will be forced to use Agents who are taking over control, a bit late to the party like digital landlords.
From:
Michael Foley
07 August 2022 08:42 AM
Removal of Section 21 the very foundation of Residential Letting Business which the whole industry is based on. None of you would now be a Landlord today if Section 21 hadn’t existed, tell me I am wrong or how many of you were Landlords before S.21 or were you even born no more than the digital White Paper writers that only ever know a key board or were too busy making a house out of the dog. FAIRER RENTING the word actually means treated equally without favouritism or discrimination, that’s THE WHITE PAPER completely one sided proposals out the window and they needed 80 pages to tell us that.
From:
Michael Foley
07 August 2022 04:49 AM
Edwin, that’s very noble of them when they have bought them on the cheap. First introduce the legalisation to force price reduction (Band C). Then here comes the do gooders to make a killing.
From:
Michael Foley
07 August 2022 04:08 AM
Jo. I’ll give you that you one.
From:
Michael Foley
06 August 2022 21:27 PM
Its not just access about the electric & annual gas certification is it, its the whole property in general and every aspect of it. We to know what’s happening when the ceiling in the bathroom is falling down. when the shower or bath is leaking, like other day when I seen a notice on toilet door do not use but nobody notified me, we would like to know when they are sub-letting & overcrowding or growing whacked baca. We used to be able to visit in reasonable day light hours but that’s all gone as long as it damages LL its fine. So they want to hear from LL’s well not a hope too scared, how much more do we have to suffer in silence while being trampled on. Keep landlords out at all costs then we are free we do what we like, just add WHITE PAPER to give them your property completely. So the Regulation’s are being made by people that don’t know. Right I let a house to 4 persons, 4 double bedrooms fine but not long before they doubled up, so 2 couples had 2 rooms and sub-let the other to 2 more couples, making over £1’000, pm out of me and didn’t it go on. Keep Landlords out it will be fine if he say anything the Council will prosecute LL him. Who is LL going to tell, anything in your favour will be taken down and used against you. So why have they drafted a WHITE PAPER without having a clue about what’s going, so now they would like to hear from us after they have already drafted it.
From:
Michael Foley
06 August 2022 20:53 PM
The business is now getting so stupid it hardly deserve a comment. Paul says it all when he referred to a LL of 25 years with 30 properties who can no longer cope with the huge burden of administration placed on him and likely now will have to use an Agent, so what chance do many other LL’s got if it’s taken a LL’ 25 years to reach this level of incompetent and not able to cope with the proposed System. That includes me as well & me a LL since 1978, Something seriously wrong with those digital academics that have taken over control of LL’s and the letting business with computers, iPhones, laptops certainly nothing to do with housing, no need to ask any of them at meetings what their line of work is, it will be the above not a tradesman amongst them that could do anything with property, it won’t involve a cement mixer anyway. Paul my friend did you forget to mention the Redress Scheme that caused me to walk out of your Harrow meeting / yes Paul it was me, keep your questions to the end when the subject is forgotten, you can deliver a free flowing speech but don’t expect an easy ride when you are taking our livelihood away that we spent decades creating by sacrifices, hard work and dedication….
From:
Michael Foley
06 August 2022 18:24 PM
Digital clowns in suits now look what you have done, a right mess they are getting the Country into You can’t have an Economy based on housing alone. increasing interest rates will cause a Recession and that’s their answer morons, that’s 2 things wrong one caused by the other. There’s still something they can do even at this late Stage, Scrap Section 24, get their back pedals going immediately on Section 21, that’s a big improvement already, now one more simple step that was never required in the first place will reduce the impact enormously. Scrap THE WHITE PAPER and cop yourselves on, have a good evening.
From:
Michael Foley
04 August 2022 23:28 PM
As expected they rope everyone with help 2 buy Scheme’s, no stamp duty etc, then up the interest rate that’s a life sentence but they are first time buyers friend to make billions for big Developers. Scrapping Section 21 is enough to cause a Recession on its own
From:
Michael Foley
04 August 2022 18:31 PM
I have a HMO house where the Rent hasn’t increased in 20 years even though Tenants rotate, so I had to Suffer the up grade requirement costs and repeated license fees plus given up the £2000. deposit I had in 2003, because it was made a liability not a protection. Another licensed HMO house hasn’t increased either in 12 years similar situation but loaded with imposed costs by local Authorities no stopping them,
From:
Michael Foley
04 August 2022 07:32 AM
Historical low voids but not for the reasons given by hi-technology companies that are doing enormous damage with Digital everything and riding rough shod over LL’s, that I refuse to deal with anymore. The low voids are thanks to landlords supporting and retaining their existing Tenants in difficult times and not increasing their Rents, while under enormous attack from the Authorities and lame duck tax free Charities that supplies no housing and their top brass paying themselves well over £100k pa.
From:
Michael Foley
04 August 2022 07:02 AM
Sell is only option and give notice to long standing Tenants.
From:
Michael Foley
03 August 2022 22:59 PM
Peter your are off your trolley I would rather be dead, Its already costing me £5k to submit my accounts after I have spent weeks getting in a presentable fashion, so now it’s going to make it simpler for me by having to do it 3 more time in the year.. perhaps we can have a space storm knocking out your satellites then you all go and get a proper job and earn your living.
From:
Michael Foley
03 August 2022 22:42 PM
I suppose you are right Andrew, consultations a smoke screen like the HMO consultation when a guy came from York and I attended the 3 Venues, Southall, Ealing Broadway and Acton, It was based on the Mayhew Report, he told us what was coming in and that’s it, there’s your consultation. When we questioned parts of the report he was dumfounded he didn’t know the areas like us, anyhow his fee was £100k, outrageous but peanuts by comparison to the millions the Scheme has taken off us.
From:
Michael Foley
03 August 2022 22:30 PM
Regarding another matter that doesn’t seem to be covered on here. The WHITE PAPER CONSULTATION closing date 15th August 2022, urgent to respond to the listed questions in not more than 3000 words unfortunately I cannot take part it’s only for Digital Academics landlords, has to be down loaded / uploaded all that alien nonsense. That excluded me and thousands of other traditional landlords so we don’t have a voice anymore well done.
From:
Michael Foley
03 August 2022 21:17 PM
But I do understand this licensed landlords have been doing it for 15 years, first battery alarms were ok, then that changed and had to be hard wired on their own circuit and annual Certificate. We have the battery carbon monoxide detectors for years. Ellie suggests it doesn’t apply to gas cookers if I read it correctly? otherwise where there’s a combustible appliance presumably the gas Boiler but now we have all room sealed Boilers so do we need this at all. With the Boiler and Cooker been Serviced and Certified Annually.
From:
Michael Foley
03 August 2022 19:42 PM
Selective licensing in Oxford £280. Less than half price of other Boroughs. It cannot not be Selective and be all at the same time. The idea of Selective meant it could only be Selective parts of a Borough or Ward, usually not more than 30%.
From:
Michael Foley
03 August 2022 19:03 PM
Hang on a minute I am not Accredited but had been for years in the past with 2 different Organisations you have to keep jumping through hoops for the latest thing they dreamt up, keep updating brownie points on line to stay Accredited, so that’s me not Accredited because I’m not capable of adding the points on line so that’s me not Accredited but I can build a house single handed and every aspect of it which I know is far less important, don’t get taken in with discount that’s only a one off to rope you in, you don’t get it on your future Applications.or renewals.
From:
Michael Foley
03 August 2022 12:55 PM
Bill brilliant that’s an extra £50.00 on to your HMO application fee, also if your kitchen is on the small side you’ll need another kitchen but if you have a large kitchen it will be classed as a extra room and another £50.00 extra
From:
Michael Foley
03 August 2022 11:59 AM
Sorry Steve, failed to keep up with inflation.
From:
Michael Foley
03 August 2022 07:30 AM
Just tell us the difference, what the amended requirements are and stop all this nonsense and baloney about downloads. I could find the requirements or so called booklet. 2 lines will suffice and stop it wasting everyone’s time. 2 little plastic units on the ceiling and we need a book.
From:
Michael Foley
03 August 2022 07:26 AM
Everyone warning and threatening us. I think they don’t know very much about housing all just jumped up digital kids with computers. The real men that build beautiful real family affordable homes with gardens and garages in the 1930’s /40’s that stood the test of time, all done mostly by hand including the footings and concrete mixed up on site. All done by traditional means and materials, not a bit of hairy wool, polyurethane foam or plaster boards heard of, you could knock them about extend or remodel brilliant now all so quick to condemn them. They were build as a guide of costs for a Terraced £650. and Semi £750. each, the doors came in by boat cost 6s-0d. I knew trades men that worked on them. Recently to replace a garage door & frame cost £1’800. Those Regulators today think they are so smart going around in their suits and shiny shoes making a mock of everyone and not a days work in them.
From:
Michael Foley
02 August 2022 21:13 PM
Ann-Marie. very true plus many private Landlords like me are 40% + tax payers so by getting rid of us they are loosing virtually guaranteed income year on year for the sake of a one off payment of c/gains. Every property bought by individual Residents is a huge loss of Revenue to the Treasury every year. Plus landlords pay far higher c/tax and have to pay commercial rates at recycling centres, pay thousands in licensing fees, thousands more in Compliance work plus 20% vat tax on everything, plus thousands in fines & Penalties that you cannot cream off if we are not there. Have you not taught this through where all your soft money is coming from I think you need a reality check ?.
From:
Michael Foley
02 August 2022 19:11 PM
Just add Residual Circuit Breakers are a god send by comparison to the previous PME System if you were familiar with that.
From:
Michael Foley
02 August 2022 18:25 PM
To honest all of mine have been changed during this last 10 years even though I had some previously installed modern at the time the pop out type. All of mine are now min trip switch breakers plus RCD’s expensive business like £350. / £400. per box. I think its only a matter of time before we are required to re-wire, like before when they were lead cables, then they were rubber covering with green earth, then PVC black / red & earth yellow/ green earth, about 12 years ago colour code changed again to Blue & Brown & earth so they’ll know instantly what the age your wiring is within limits, just an observation.
From:
Michael Foley
02 August 2022 18:19 PM
Surely Polly is not complaining about a reduction in the private rented Sector that she was the main mover in creating. Polly is well placed to help the homeless, for a start she could take a Salary cut of £100k pa and still paid too much, she only started on £126k pa years ago when she took over from Campbell Robb, then use some of their tax free £60m pot to house people instead of shouting and bellyaching about us.
From:
Michael Foley
02 August 2022 17:30 PM
I believe it’s the Customer is dangerous not the electric. I have seen & suffered the consequences of some of their actions, ripping the plug from the socked by the lead, I had to replace 10 crab tree switched socket outlets in a new house I had built a few years earlier all smashed, they also put a No 14, 50mm screw across the Consumer Unit to use a welder too powerful for the System, some of the 2.5 ring mains had to be replaced because of over heating, the wires were more like high tensile steel that copper wire.
From:
Michael Foley
02 August 2022 17:17 PM
Richard, All licensed HMO’s of every kind have Electrical Safety checks by law for years and renewed every 5 year. I have had them done over again & again, file boxes full of them, what are they taking about delay in reforming have they been in a deep sleep. So the answer is tens of thousands if not millions.
From:
Michael Foley
02 August 2022 16:54 PM
Just no end to the attack on Private landlords now I see ‘How 2 Rent guide’ has increased to 48 pages. I believe it has changed 15 times and the crap increased each time since 2015 having been introduced originally in 2014 by Shelter. The new version includes mandatory Redress Scheme, what on Earth for ?, I don’t take Deposits since they made it a liability not a protection imagine give them back 3 Deposits along with the Deposit making it 4 Deposits. Further we are not allowed to charge the Tenants any fees for anything more or less, so what will we be Redressing them for ? unless it’s the Rent they didn’t pay, its utter nonsense who is going to Redress us ?.
From:
Michael Foley
02 August 2022 10:43 AM
It would be great if Council’s were capable of doing something useful instead of issuing spurious fines & penalties.
From:
Michael Foley
02 August 2022 07:58 AM
It’s easy to fix housing crisis get rid of those guys paying themselves £280k pa and in most cases well over £100k anyway including Charity Bosses that doesn’t supply any housing. Those are The Rogues that have driven up Tenants Rents by 52%, while pretending to be helping them. The Tenants friends are their Landlords who have helped them out through thick & thin.
From:
Michael Foley
02 August 2022 07:50 AM
I am surprised 1980’s got a mention when I was paying up to 17% interest, not 2%. Short memories and the tax had to be on the principle repayment up front as well on a variable interest loan, just as if you had the money in your pocket but it’s already gone to the lender, unlike plant & machinery which were able to claim all eventually, unlike property. So now no worries install an occupant with hands hanging & give him the property at a discount as well.
From:
Michael Foley
01 August 2022 23:15 PM
Affordable Rents ask my Tenants very affordable rent in general £100. pw each payable monthly some far less, for this all have own room some shared facilities, otherwise the run of whole house & small garden plus parking for 2 cars. So people wants to tell me its cheaper to Buy than Rent try this one in a central prime location with £1m price tag, get calculator out and stop talking nonsense.
From:
Michael Foley
01 August 2022 22:09 PM
Liz, is talking daft the Council’s have far too much power already, They are the root cause of most housing problems caused by their interference, stupid laws and huge Penalties and fines how is that an incentive for any landlord to do better only withdraw his services. They don’t know much about getting the best out of people, just as well they have Public funds to play with and of course they have now taken private landlords money too. Ms Truss could you not scrap the red tape for landlords, scrap Section 24. Retain Section 21. Turbo Charge Private Landlords you’ll have more property than you know what to do with, crisis over no Public funds required. Sorry big Company Director’s get the soft money somewhere else.
From:
Michael Foley
01 August 2022 21:53 PM
Scarborough Council is very smart to know this, who would have thought that, to know something that they caused.
From:
Michael Foley
01 August 2022 21:12 PM
Jo, to buy a new Build 3 bed house in west London costs £800k, 2 new one just built down the road from me for sale. According to what I was reading yesterday average London rents are £1750 per property pm if I read it correctly. All my Rents are below average Rents, it seems to me the Tenants are getting a real bargain. Its well time for Shelter, Generation Rent etc to stop knocking us and get their facts right. Its worth doing figures on this or use your figures as a guide and multiply by the multiple’s. They don’t know when they are well off , buy one of those and complain to the lender see how you get on.
From:
Michael Foley
01 August 2022 18:47 PM
Ok but not many people were buying for holiday let’s or AirBnB. I don’t know anyone, they had the Property already and made a decision to switch to survive after being continuously attacked by regulators and unfair expensive conditions including HMO licensing and Section 24 plus to imminent threat of removing Section 21. Give me a break what’s this guy on about he says second homes reduce the number of properties available for people to live in, isn’t all Residential Property available for people to live in regardless of Tenure, so how could the number of properties available be any less for people to live in. Perhaps they could target the new Flats bought by over seas investors and sitting idle, sometimes they tell us they are all taken, ask the local people that knows that were hoping their business would pick up like shops and restaurant etc.
From:
Michael Foley
01 August 2022 07:47 AM
It seems to me to be a sustained attack from every angle on private landlords. I hope you all have a HMO license unless your friends your fellow countryman in high places exempted you when writing the rules specifically with you in mind. They say they have now streamlined the system which means the Fee for a license for me in 2006 was £650.00 now has increased to £1550.00 from 1st April ‘22 (£900.00 increase). This is allegedly to improve the condition of the property and help the Tenants ?.imagine that very thoughtful of them. Those are the App’ fees now in West L’don for your Terraced 3 up 2 down for 5 persons but not the highest by any means I understand some are up to £2’500.00 this is to make renting more affordable, no sorry must be other way around, if you don’t get a license you can pay a civil penalty up to £30k …honestly doing so much to help us.
From:
Michael Foley
01 August 2022 03:09 AM
Christopher, you got that right the Government wants us out and are creating a MTD system to achieve this, that’s the only thing to understand that’s simply about it.
From:
Michael Foley
01 August 2022 01:57 AM
Stephen, thanks for the maths lesson very good, just a few more calculations and we are oxo, my room is 25% smaller than yours, the box room is 9.75% smaller than mine, the master bedroom is 11% bigger than yours otherwise the facilities are the same, by the way I wants the parking space, should be easy to work out by comparison to HMO regulation’s.
From:
Michael Foley
30 July 2022 16:24 PM
I think the people behind MTD are go to be very disappointed when they realise they were getting more tax before, just add traditional landlords that cannot do it and have to fork out thousands more in Accountancy fees plus they are removing any incentive to move forward only demise in prospect.
From:
Michael Foley
30 July 2022 12:51 PM
What the Benefit System is doing is creating a generation of young people growing up not capable of doing any real work and probably never will, just play computer games all day long with someone in god knows where.
From:
Michael Foley
30 July 2022 10:58 AM
Another neat little trick the 2004 housing Act requiring a license for 3 or more unrelated people fair enough but also said more than 2 couples / which is 2 households, however what it now says is 2 or more households that’s completely different altogether. (more than 2 households) (2 or more households) neat tricks and we are not even told and can end up with a large fine for not having the license you thought you didn’t need.
From:
Michael Foley
30 July 2022 06:22 AM
Licensing Scheme’s requires Landlords to confirm that he has the power to Access to all parts of the Premises, now withstanding they have gone out of their way to exclude Landlords from the Property. Landlord must also confirm that he has the Power to Authorise any Necessary Expenditure, where is his croc of gold they forgot that bit, oh I nearly forgot they have taken it, so forget he most likely has a loan rapped around his head, rent arrears or forced to subside Tenants during Corona virus just add Section 24 to make sure to destroy him. So many people are required to lie or no License granted or can’t operate.
From:
Michael Foley
30 July 2022 06:02 AM
I think the WHITE PAPER is in direct conflict with Licensing Act 2004 (2.4) which says Landlord must confirm that he has the Power to Grant and Terminate Tenancies.
From:
Michael Foley
30 July 2022 05:41 AM
The disastrous White paper driving LL’s out. They hate landlords and Tenants alike. They have robbed Billions from Landlords with Licensing Schemes and trumped up Penalties charges. They tell Tenants they are their friends while they are the main cause of pushing up their Rents by something like 30% it doesn’t benefit LL with all the imposed costs, fees & compliance stacked against us. So much regulation now making it impossible to self manage. I know several that can’t do it anymore and that includes me, too much Bull sugar to deal with impossible and me a LL since 1978. Currently I have house with 5 Shares (licensed for 7) where one wants to change now proving impossible for me to do, you have to be all digital then you are automatically called a Professional, just press them buttons you are a Professional but only know theory and capable of actually doing nothing with property but all shinning Gov’ stars. Incidentally I actually Built this House by my own hands with only hand tools, no electric on site and cordless tools or computers not invented and no family or government support. Now then that was when I was less than one third of the age I am now. I would like those so called Professionals to try it, any volunteers I’d love to see it you know everything and can do nothing.
From:
Michael Foley
29 July 2022 20:05 PM
Mr Murray are you having a laugh. The people that worked hard scrimped & saved, bought their own home and reared their family, done it right way around. So now you want to tell me the people that decide have family first with no nest ready should be other peoples responsibility , even the birds build they nest before laying the eggs. The people that have a house they bought through hard work and their off spring may have left home temporarily, will hope one day to inherit their parents Est, you want to deprive them of that in preference to a blank stranger that’s nothing to do with them.
From:
Michael Foley
29 July 2022 17:21 PM
They now have created HMO’s by Statute and enforce except for Families or so called pretend Families by any stretch of the imagination. Which one of my 5 HMO shares will have the right to buy.
From:
Michael Foley
29 July 2022 09:10 AM
So they want the Tenants to take over our property at a discount, that will be easy when the WHITE PAPER have them already permanently installed in your property and LL can’t them out, the picture is now becoming clear. Will future generations be able to grab the property from them. Time the Tax collusion Charity law were changed, LL’s are feeding them with millions of Inheritance tax, when you leave 10% or more in your Will you get a tax discount, the Charities that hates you and doing everything in their power to destroy you and we are supporting them.
From:
Michael Foley
29 July 2022 08:01 AM
No one to vote for, where can I vote for levelling down demise of PRS white paper Bill.
From:
Michael Foley
28 July 2022 07:06 AM
I doubt if private let property is as bad as they would they us have us believe. There are loads advertised on internet usually looks very nice & modern to attract good Tenants. The climate is getting warmer so we will be using less energy to keep warm, if we go over the top we’ll be using energy to keep cool.
From:
Michael Foley
27 July 2022 17:31 PM
James & Christopher also raised this point about digging up Concrete Floors it’s a mad idea anyway you look at it. Surveyor’s and Building Department’s need to address this issue again, it has to be entirely possible to surface lay on the existing floors to bring up to standard of compliance. So many products on the market and if you loose an inch or so in height what difference, most ceilings are higher than modern requirements anyway. Come on now specify please and stop the dig filling up Skips.
From:
Michael Foley
27 July 2022 13:29 PM
Edwin my friend that’s a different kettle.
From:
Michael Foley
27 July 2022 10:14 AM
Owner occupiers and family’s in multiple occupation have done very well off the backs landlords dragging up the price of their property too without having to do anything and exempt. We know who are making the rules.
From:
Michael Foley
27 July 2022 10:00 AM
This idea is much like something that has been circulating in recent years in the Rent 2 Rent lettings. They do expensive courses to pull the wool over owners eyes. I had it tried on me last year and they don’t give up easily, it was Rent 2 Rent with Purchase lease option. I don’t think much of R 2 R for a start renting your property and creaming off double whilst owning nothing and obviously no Mortgage’s for them, owners have all the responsibility if it goes wrong. Any figures or analysis by anyone on this, there are thousands falling fo R2R. I call it a scam I wonder how many have a purchase lease option attached you’d need to be off your trolley comprising ownership.
From:
Michael Foley
27 July 2022 07:04 AM
Ellie. I have a 2 bed Flat in west London HM0 licence for four but only 2 occupants, there was 3 persons one left over 2 years ago the other 2 said they wanted it between the 2 of them and pay the full money, then Corona came and couldn’t pay, so £500. pm short for more than 2 years ( over £12k out of pocket) now its become the norm and not interest in getting anyone in.
From:
Michael Foley
26 July 2022 17:07 PM
I did learn something from the LL Conference last night, 1.1 million are on Housing Benefit, while 27% of private Renters don’t work, are the Authorities targeting the wrong section of society. 45% of Renter’s have no savings but didn’t say why, I can fill that in, too many takeaways, iPhones Contracts, internet broadband , netflex etc, I am sure the 27% doing nothing can’t expect to save. When I was saving to get my first property I didn’t have any wasted money like that. 21% PRS homes non decent that will be down to Regulation’s, excluding LL from his property, too scared to go there in case Tenants complain to Council. Property was far better maintained when LL had access and could keep everything right. How can you maintain a property remotely ?.
From:
Michael Foley
26 July 2022 08:15 AM
Its what the continuous attack on individual landlords is all about, to get us out of the way for the big boys to take over, plain & simple. Everything they are doing and have done is to destroy us they’ll be no Section 24 for them, welcomed with open arms. It doesn’t matter what we have done, effort and sacrifices made over the years to create the industry that didn’t exist before. I went to LL / Council conference last night, another disaster virtually everything that was coming up on the big screen was anti-LL, and dare not question them. I was told there would be an opportunity to ask questions at the end, what use is that so much stuff going on when you get to the end the subject is lost, should be allowed to comment or challenge as it came up. LL must join Redress Scheme ? what for, how many more things are we required to join and who’s going to redress us. I was told to be quiet like everyone else just sit there like a lemons, not a word out of any of them while our Business goes down the pan, they must be as crooked as hell hiding behind the bush. It was a 2 hour meeting but I couldn’t hack the course and suffer the indignity, left after 45 minutes and wished them good luck.
From:
Michael Foley
26 July 2022 07:02 AM
Jo, if that’s the case they are very wise. However many thousands are buying those Flats and as I understand it all the incentives are for new Build, so the free bee’s and help is not available on older properties unless something has changed.
From:
Michael Foley
25 July 2022 10:54 AM
First time buyers Type Property has risen 10 / 13% wonderful this will be the Big Developer’s, in the Government’s pocket with their already over priced high rise Flats. Aren’t those the Flats eligible for special Government Schemes with free stamp duty etc, to stitch them up properly. I just thought I had read an article about greedy landlords surely they meant Developers. My Rents haven’t increased at all, (none) some have gone down or in real terms all have gone down while fleeced with Regulatory costs. Come to Harrow Civic Centre landlord Forum tonight, if you have the stomach to hear all the big wigs telling you what more they have planned to destroy you, good luck.
From:
Michael Foley
25 July 2022 07:48 AM
The White/ Black Paper says. The Tenant must be allowed to live in his Property without fear of eviction and there’s the problem it’s not his Property.
From:
Michael Foley
23 July 2022 21:33 PM
A house with the job is a total disaster in an Agricultural setting. I can comment on that one, a first cousin of mine had such employment for 20 years at least, he had some difficulty including marriage break up. He was hard worker good at his job and well liked, However the Boss man got old and sons took over he then got the cold shoulder not suited to modern generation computers being alien to him etc. He ended up with nothing and got bad health. When he started that job he could have bought his own house like every one else for £4k at that time, so instead of working for a pittance because of the house supplied, he would have ended up with a a house worth £250k / £300k, waste of a life having once worked on the 14’000 acres from Sandy to Hitchin.
From:
Michael Foley
23 July 2022 19:57 PM
It’s not a white paper it’s a black paper and a black lie. They don’t know the meaning of the word fairness. They are the scum of the earth and we are supposed to live in a democracy. So now instead of Landlords given the Tenants 2 months notice, the Tenants give the landlord 2 months notice. The Landlord have lost all control of his property have the Russias take over. It’s Private Freehold Property none of their business whether I want it for a Family member, or to sell or keep, who’s property is it anyway, we didn’t get any help from them when we bought or need their advice or their rubbish interference. So now we will not be allowed to choose out Tenants but must take all sorts. including false Benefit Tenants which is what most of them are already, you are destroying Society. Further there will now always have be a Court Case needed to stitch you up properly and make more billions for so called justice System. Oh yes we we can go to First Tier Tribunals if we have a death wish, some of their staff are ex-Council employees brilliant. We are loosing complete Control and our Property is been confiscated. I suspected this 4 years ago that this was going to happen when a young guy from the Department still wet behind the ears attended a Landlord meeting and said exactly what this Bill contains, he said he was working on it. There you go, the Bill is not safe and should instantly scrapped.
From:
Michael Foley
23 July 2022 19:36 PM
Stephen my friend good for you report away. I am sick of the Regulatory dishonesty / Section 21. Section 24. Licensing Scheme’s. that applies to some Sections of the Community and not to others do you think that’s fair. Best wishes have a good weekend
From:
Michael Foley
22 July 2022 18:41 PM
I think removing Section 21 is Nationalisation, or worse to be involved at all. Why and for what to be everyone else’s fool and banded a Criminal, while supplying the property and paying taxes to keep them.
From:
Michael Foley
22 July 2022 18:19 PM
Stephen my friend how does traditional Landlords letting out property affect first time Buyers as I understand it to avail of the Government Schemes they’ll have to buy New Build that will be from Developers high rise over priced Flats from the Governments mates creating unfair market place. I have built some of my own again if I let those properties I will not be use any stock available to first time buyers because if I didn’t put them there they wouldn’t be available to anyone. I think you have been listening to the wrong people while I agree with you what they are doing will reduce prices (Collapse the Market). The first time buyers that have bought are the unlucky ones saddled with over priced Flats and then hit with increased interest rates, if they try to sell they’ll be taking a hit plus it then will be a second hand property.
From:
Michael Foley
22 July 2022 16:32 PM
Rental Reform Bill Conference £240. to attend a bunch of nanny goats talking through their hat, if they pay me £1’000. I will not go anywhere near those destroying us. Accreditation is a farce keep renewing adding brownie points, to add to the latest garbage they dreamt up. How did we manage for decades before any of those Quangos existed, now we are expected to learn how to be a landlord, like first day on the job to create more money streams for them at our own expense solely.
From:
Michael Foley
22 July 2022 09:00 AM
Won’t be any savings I have come across those Air Source heat units well before now, used to heat swimming pool’s outside installation not great and so expensive very heavy also several hundred weight. How can we save £1’878. on Energy Bills no matter what we do, or do they think we are oblivious to the fact they have doubled our Energy Bills. Maybe we could avoid stupid wars the root cause.
From:
Michael Foley
22 July 2022 07:22 AM
They want pets but it will be the landlords responsibility. I have had it all don’t need analyses, reports or studies, cost me several hundreds to have a house fumigated by specialist plus throwing away beds virtually new and 3 piece suit, carpets had to be rolled back and treated etc..it’s not my first day on the job like the rule makers.
From:
Michael Foley
22 July 2022 07:01 AM
Edwin, fair enough if they were Policy’s but there are not Its a blatant discriminatory open ended attack from several angles, legally, illegally and financially to destroy us a law law abiding section of its citizens that house millions and millions of People off their own backs, contribute billions to the Revenue and every other aspect of the economy, with their own finance hard work and dedication, then they stoop so low they are prepared to change the law specifically to destroy us and for no other reason, so unjust and want to call it fairer.
From:
Michael Foley
21 July 2022 06:35 AM
Why not reverse Section 24 so that it applies to all Companies & Corporate Bodies and remove it from Private Landlords, now wouldn’t that be fairer, when they want a fairer renting system, and didn’t Private Landlords build this letting Sector and not one of those Companies in to be seen. Why not see how they like it they are all so smart while we are being sold down the river. Change of P,M, what a waste of time that is, we might as well have kept Mr Johnson lies, warts, bluster & all, now that we can see the alternative. At least he don’t one good deed before he went, sacked Michael Gove I’d shake his hand for that, the stupid Architect of the White Paper he’d need to learn the definition of fairer.
From:
Michael Foley
20 July 2022 23:49 PM
Pauline, that’s an easy question to answer, the Tenants will decide whether you can have your property back or not, it will depend on how fat you want to make the brown envelope, there’s no other system if you at thinking you can go before the 3 wise men and get justice forget it.
From:
Michael Foley
20 July 2022 21:07 PM
Council tax is a joke system Poll Tax had merits. I see 6 / 8 people living in a property with same C/tax as 2 retirement people that paid tax all their lives, how is that fair so huge numbers pay nothing, now I hear people suggesting to increase it on the already over taxed payers.
From:
Michael Foley
20 July 2022 14:41 PM
Robert and none are rising as fast as the costs being imposed by local Authorities that’s eating well into it. There are plenty of properties derelict or need up grading but some people don’t want the bother just walk in when its all done much easier but jealous if they think the builder made a return.
From:
Michael Foley
20 July 2022 11:38 AM
Simply don’t forget the root cause of all this removing Section 21, that caused the switch. Then for good measure add Section 24.
From:
Michael Foley
20 July 2022 09:55 AM
Jo, I am sure the fencing contractor was good value you didn’t knock the work. It can be hard work especially if he has to contend with concrete founds for previous posts and a good worker is always worth it. It might seem like a short day but apparently he was after breakfast and went before dinner so can we add that to the 5 hours. I don’t know what he was doing removing waste or get material which is another cost separate from his day’s earnings. Maybe I misunderstood but I avoid knocking the workers the ones that gets my goat are the ones that don’t work, milking the system and soon to be given our Property for free. Best wishes.
From:
Michael Foley
19 July 2022 11:37 AM
It looks like the big boys moving in whether John Lewis, Lloyd Bank, General Accident etc build or buy to let will be exempt from the say regulation as regular traditional LL’s , courtesy of their colleagues from Oxford, Harrow or Harvard.
From:
Michael Foley
18 July 2022 09:44 AM
Ellie. I hope you are right I think some landlords don’t have much equity in there.
From:
Michael Foley
18 July 2022 07:36 AM
No Capital appreciation just money devaluing and then tax you on inflation.
From:
Michael Foley
18 July 2022 07:18 AM
Waste of time more rubbish of the highest degree. With the New Proposal the Tenant has the opportunity to attend Court and for Landlord to EVIDENCE GROUNDS HAS BEEN MET, really so he now has to justify himself as owner to the Tenant & Courts that he would like his own Property back. About time those worse that useless parasites trying to make those rules grew up, anyone that has bought a property knows too well how difficult it is, how many years to pay for it and the Sacrifices made, probably cost you half a million if in London but now don’t worry about any that just hand it over to someone off the Street or the ones on Benefit given priority, (the ones that get their kids reared, education for free gets Children allowance even though they contributed nothing and by the way don’t forget to claim the extra £326. costs of living increase that’s specifically for they). Roll on why not give them my house as well saved them buying one, easy peasy.
From:
Michael Foley
18 July 2022 07:13 AM
Jim, I’ll tell you what the problem is and obviously not a problem for you as you are a HMO operator by choice run by cash flow under the Cloak of Company and all the advantages of that. Companies don’t need the personal input money of their own, just borrow up on the Company acids / property and keep expanding forever, which is what has happened ending up with hundreds of properties or should I say the unacceptable face of Capitalism. I believe this is your business model and have been advising LL’s on courses and offering viewings on how to divide up property to maximise profit from HMO’s and I don’t knock you for that. However I am not a Company LL and not a HMO LL by choice but this was forced upon me, private Landlord private property financed by me personally. I have never let rooms or wanted to either that don’t stop the Regulators forcing me into HMO licensing compliance. Section 21 is the foundation of all private letting as far back as 1988 prior to which virtually no lettings were available, do you not ask yourself who that was ?Obviously no Section 21 no letting why would I buy or build a property for someone that’s nothing to do with me. so where was your HMO’s they didn’t exist until invented in 2006, you can’t see the difference but now like most other new comers want to rule the roost. Private Freehold Property Privately owned, not to be taken over for Public and use in perpetuity without consent.
From:
Michael Foley
17 July 2022 18:02 PM
All good points and real life storeys. So Tenant decides the job is not for him up sticks and gone instantly. What about Landlords flexibility when he finds out he’s been lumbered with a Tenant he can’t stand, he’s expected to tolerate him and now given a life sentence as per WHITE PAPER.
From:
Michael Foley
17 July 2022 10:12 AM
So if it taken 50 years to get 100k members (they should be able to get that in a week), how many years will it take our body to be able to claim to be a representative of 2.5m Landlords, or are there 2.4m Landlords without a voice.
From:
Michael Foley
17 July 2022 07:47 AM
Fair to Sophie, of Propertymark fighting their corner for its members on aspects of WHITE PAPER before it gets too far advance when nothing can be changed. Where are our Landlords Association's they are staying very quiet just waiting for it to happen, to start more money streams on the back of the WHITE PAPER. What about Redress Schemes more bureaucracy to Redress whom it certainly won’t be to give LL any rights, is it any wonder they only have 100k members after all those years and including amalgamation, out of a pot of 2.5m landlords, surely they should have a couple of million members by now if they driven by self-interest. Membership should be closer to 100%, something seriously wrong here Landlords needs to use that thing in their heads called a brain.
From:
Michael Foley
17 July 2022 07:34 AM
Disgraceful behaviour by people in Authorities that shouldn’t be in a job of any sort not alone in a law making positions. Scrap the White Toilet Paper now before it does billions of £’s more damage, look at what damage its cause even now before it comes in at all. People selling up or switching away because of the removal of Section 21. Its so un just it shouldn’t see the light of day. Great Suggestions Periodic Tenancies walk away at any time or stay as long as you like, now further blame the condition of the Property, don’t pay and walk away, this will be the damage they caused themselves wonderful just an other rotten scan like the 2015 DeRegulation Act’ that was never required. We are already excluded from our property that’s now out of control, to allow them to over crowd at sublet or Rent 2 Rent it’s that ridiculous but LL has to stay quiet and turn a blind eye, because he’s the one that gets fined for the crime he did commit, it’s the new justice system where the innocent party pays for other’s crimes They are really taking the mick.
From:
Michael Foley
16 July 2022 21:19 PM
Shelter, Generation Rent / Alacia Kennedy Baroness etc. The chickens are coming home to roost. Driving out Landlords or cause them to switch to AirBnB well done who could have predicted that ? Just add Rogue’s Regulators and removing Section 21, Oh yes and what about Section 24 driving out Landlords by scrapping a genuine business expense or forced them to switch to AirBnB or go Bankrupt. So the double Stamp Duty disgrace also adding to burden private Sector letting driving up Rents & property prices making it more unaffordable for Renter’s and first time buyers. Removal of Section 21 is confiscation of property, so in a nut shell everything that’s wrong was caused by the above mentioned, that only ever have negative input and cause so much damage to Renter’s and First time buyers.
From:
Michael Foley
15 July 2022 07:12 AM
I must say the Gov’ / Council’s plan to drive out Private Landlords is proving very successful. Just weight us down with so many rules, regulation’s, endless checking all invented extra unpaid administration, expensive requirements, class all damages as wear & tare, removal of all rights to make sure we are dysfunctional and have to leave.
From:
Michael Foley
14 July 2022 06:54 AM
I wonder how many of our rule makers who know about pigging the pipe.
From:
Michael Foley
13 July 2022 23:08 PM
I installed large water mains as well tested to 120psi which was required even though normal working pressure was only 60psi. I worked on the large gas pipe line installation and gas pressure reducing stations + steam injection but I dare not touch anything domestics.
From:
Michael Foley
13 July 2022 22:58 PM
Robert you were lucky. I stayed in Digs there was 7 single beds in one room in Hornsey. I missed breakfast I was gone to work before it was read. similarly missed dinner it was finished before I got home. Regarding health and safety certificate for gas hob every year, my mother rip had a gas cooker with oven for 60 years with her bottle of gas, never broke down or see a gas engineer, she was well capable of cleaning it herself, done endless cooking, baking and roasting. What’s the problem now are they not made properly anymore or is it regulation for the sake of regulation. Surely if they confiscated all the knives from the young people it would make a far bigger impact for Health & Safety.
From:
Michael Foley
13 July 2022 21:12 PM
When did that definition of a HMO change certainly that wasn’t the definition for 15 years. It was more than 2 households that’s completely different. So 2 couples equals 4 persons equal 2 households. 3 individuals equals 3 households therefore licence required for 3 individuals, probably a Selective.
From:
Michael Foley
13 July 2022 20:54 PM
Now I must study that Redress Scheme and find out who else I can compensate I can’t leave anyone out.
From:
Michael Foley
12 July 2022 22:26 PM
Might as well pay the extra Higher rate Capital Gains tax and the double Stamp Duty Land Tax, its really helpful.
From:
Michael Foley
12 July 2022 22:15 PM
Spare a thought we have been doing it for 16 years that’s since 2006, I now have some done and re-done 4 times, Then we had Shelter take away our Deposits in 2007 + the 10% wear & tare + 2015 DeRegulation Act + Section 24 + now removing Section 21 + all the extra checking costs + all the other Regulatory requirements…. When that junior Council girl comes with her clip board to inspect god help you. How could anyone possibly not think they love us so much, going out of their way to help us like that, we have to be grateful much appreciated Mr Council man.
From:
Michael Foley
12 July 2022 22:09 PM
When are they going to have enough rules, it’s more to do with computerisation than housing, just because they can sit there pressing buttons with no actual effort or input they keep making unnecessary rules at adverse laws. I see LL’s who reduced Rent to help Tenants in the Pandemic getting into a pickle over Deposits, they never seen the 5 weeks Deposit in many cases its locked up in a ponzu scheme. However the fact they reduced the rent means they are now operating illegally as Deposit is now more than 5 weeks rent.
From:
Michael Foley
12 July 2022 10:41 AM
Jo, we are the grass roots they must think we are even greener than the grass. The people behind the Redress Scheme (another Stress scheme for landlords) were planning this in collusion with Government behind the scenes through the Pandemic. Holding meetings and offering free membership to Landlords to get them to Register to get the Roller Coaster off the ground. Then they’ll get it into law and the Charges start making another money stream to make the millions off Landlords backs just like the disgraceful Deposit Schemes, they learned well and mainly by Organisations that are supposed to be helping landlords also have enlisted under their wing anyone that might previously have been a help for landlords. They talk about Professionalism they are full of that what they mean is more red tape, endless bureaucracy and haven’t a clue about the real world or property. Don’t worry we are now getting invites to Council / landlords meetings and they’ll tell us about the lovely Schemes being yet again forced upon landlords.
From:
Michael Foley
12 July 2022 08:03 AM
Peter nearly everyone in the same boat so why the Change other than to stitch up the Landlord. They already have Contracts that most Landlords are happy to allow to become and continue as Periodic. So why get rid of Section 21 an integrated of the process undermining the whole business. There a massive difference between staying as long as they like by consent and staying as long as they like as of a right by a non owning occupant. Loads of new blocks of Flats in Ealing all sold more or less apparently but so many vacant bought by over seas investors many from China, how does that help the housing situation.
From:
Michael Foley
11 July 2022 16:00 PM
Their Policy’s are the direct cause of higher rents and housing crisis, adding additional unnecessary costs to the sector that has to be paid for including huge Council fee for licensing etc. Add Section 21 fuelling the flames driving Landlords out making less rental property available.
From:
Michael Foley
11 July 2022 10:20 AM
I had a house down graded from C to D at the 10 years renewal mainly due to Tenants interference following him around haunting him, as a result the insulated plaster board on all internal of exterior walls was missed. Tenants have too much power, anyway it will have to stay that way until I have to get it changed, too much time spent dealing with invented issues
From:
Michael Foley
11 July 2022 09:45 AM
Can’t say anything in support of this landlord, but I believe there’s a good chance he didn’t know the occupant as sometimes they switch around. He should have had a Tenancy Agreement at least he would know who was supposed to be living there and who paid the Rent if any, can’t see him locking out a paying person. It’s very big of Bristol Council Championing Tenants and shouting for removal of Section 21, how about Championing Tenants and house them if you love them so much.
From:
Michael Foley
11 July 2022 08:14 AM
I am sure they mean MP. Paul Scully, Sutton & Cheam (not Cheap). Eddie Hughes still in Place Minister for levelling Private Housing Sector to the ground.
From:
Michael Foley
11 July 2022 07:49 AM
wlll not, typo
From:
Michael Foley
11 July 2022 07:06 AM
Of Course majority of Tenants are happy with their Landlord’s, its a shame the Government keeps increasing their Rents. They should be able to sue Government not the LL.. I see a lot of Candidates lining themselves up to be Premier making all sorts of promises yet none have said they will scrap Section 21, the only one issue that could possibly lessen the impact of imminent Recession.
From:
Michael Foley
11 July 2022 06:58 AM
Andrew I know writing to MP is pretty much waste of time and have done plenty in the past but what options have we got. They know selling is is not viable for higher rate tax payers, for a start they are going to take 28% C/gains + your costs, (+ they’ll have a pot of SDLT from buyer as well ) not withstanding you already paid tax on the money you purchase with, then what ? a third of your money has disappeared. What are you going to do now with the Balance, you are not allowed to give it away say to your children and definitely not to grand Children without further huge tax complications and liabilities. Leaving the rest in a Will they will take another 40% of the Balance IHT. The £325k threshold hasn’t risen in years and anyway those Schemes are not worth a carrot to a Portfolio holder. When your Estate goes over £2m for every £2. they take a £1. So you end up with no allowance. Ellie I have used Company Let’s in the past before the 1988 Act, limited option not enough to go around if too many jump, it was ok at the time I had some strong Blue Chip Companies, wouldn’t put much hope on it now with Computerisation.
From:
Michael Foley
10 July 2022 20:30 PM
Just looking at Auction list for later this month, 5 bed Semi Detached, well located for all amenities Central Chichester, guide Price £285k Regulated Tenancy, income £8’320 pa, take note removal of Section 21 is Regulated Tenancies going backwards to pre-Assured Shorthold Tenancies, time to wake up and lobby your Member of Parliament.
From:
Michael Foley
10 July 2022 18:28 PM
What amazes me landlords and Tenants need each other in the main gets on very well. Government and dark forces can stand this, are determined to drive the wedge between us same old storey divide and conquer. They have short memories its not taking them long to forget that Private LL’s took the biggest hit during the Pandemic supported millions in difficult times and fair to say bailed out the Nation is this how we get repaid. I read this rubbish about Stamp Duty holiday there was no SD holiday. George Osborne unfairly doubled SD in 2016 for LL’s only then Rishi halves it temporarily for Corona so LL’s were still paying full SD anyway, good holiday isn’t it now back to paying double again some favour.
From:
Michael Foley
10 July 2022 08:44 AM
Jo & Ellie excellent comments from you both yesterday if I may say so, if other landlords would read and grasp the contents of what you are conveying to them about the reality of what’s coming our way. Government or someone in Authority might take notice before it’s to late, 2 million landlords without a voice only a couple of dozen ever comment on here. The Organisation’s that’s supposed to help us haven’t grown much since Amalgamation and now only interested in creating more money streams for themselves on the back of those Anti-landlord new Regulations that’s clear enough.
From:
Michael Foley
10 July 2022 08:08 AM
Jim how can we be expected to comment on such a load of baloney for start Mr Cris Norris thinks the object of the Reform is Progress, when the reverse is absolutely true, they are Destroying Private Rented Sector and he thinks it progress, how can we comment on that when they are so wrong they are away with the fairies. Regarding HMO’s I can’t distinguish between single letting and HMO because I have been forced to license single let’s as HMO’s, some of which has been licensed three and four times, so that’s that point, regarding Section 21, I am left in no doubt this is the main reason for quitting. The Renters Reform Bill is not required just another pack of lie’s and should be scrapped immediately, sometimes old saying are true if it not broke don’t fix it. This proposed Bill is tantamount to Confiscation of Private Property so why all this talk about voters, how is any of this is Democratic, the reds are not under the beds anymore they are in it.
From:
Michael Foley
09 July 2022 20:29 PM
It’s the wrong headline it’s not Renters Reform Bill or levelling up although it could be called levelling down. It should be called what it is The Landlords’s Property Confiscation Bill.
From:
Michael Foley
09 July 2022 15:57 PM
Never has there been such a concerted attack on private Landlord. Jo you done exceptionally well in difficult circumstances. Many of us didn’t get an easy start certainly no silver spoon like many today. I missed out on further education as I had to work to exist and dad rip at 47, when I see the chance so people have with parents support. I worked in the fields at 15 on piece work for example thinning mangles, beet & turnips @ 1s-2d per 100yds your own sandwiches & bottles of cold tea, one 4 day job earned £8-7s-6d delighted at the time, crawling the furrows with canvas bags tied on my knees with twine, that equates to 8 miles on the knees on storey hard ground. Certainly given no advantage when I see other continuing education into their twenties. I could never have imagined in my wildest dreams that a Conservative Government would have treated us so unfairly no just that but went out of the way to damage us.
From:
Michael Foley
09 July 2022 15:12 PM
Lesser of 2 evils some choice. For all the Regulation’s we now seem to be having more residential fires than ever with all the Regulation’s under the Sun, waste of time when LL is made powerless and excluded from the property, loss of control means extra coming & going unofficially and subletting, plus HMO’s promoting room lettings with cooking facilities in rooms, so not just one source of potential fire at the property but several.
From:
Michael Foley
09 July 2022 11:40 AM
My Rents haven’t increased at all pre or pose pandemic and I take no Deposits. I don’t believe there’s any shortage of housing it’s just Rogue Regulations making owners too scared to let. Why would it be news that 1.5 million are on Social Housing list everyone wants to be subsidised by the tax payers like the million on it already and given priority to housing. Then I see NRLA magazine this time blowing about young successful LL from nothing managing not only his own portfolio but doing it for others, how disgusting it’s Rent 2 Rent being promoted here that’s what the Regulation’s have done, made long standing LL’s incapable of running their own business. So the LL is the fall guy for Rent 2 Rent merchants who pays the landlord a limited amount of regular rent, if all goes well they make a huge margin on top for themselves without the responsibility of owing the property or paying a Mortgage, if anything goes wrong the LL is Responsible. Tenants getting robbed in the process paying much higher Rent than renting off the LL directly like it used to be…
From:
Michael Foley
09 July 2022 11:28 AM
It certainly takes a long time to sell at least the ones I know about maybe a year but Government wants the Capital Gains tax in a flash before you can catch your breath. There’s plenty of torment for landlords deliberately so as Gov’ have stated they are reducing the PRS especially for the big boys to take over our business with their blocks of flats that’s clear enough. I would be more concerned for the first buyers that have bought, rather than the ones that’s planning to buy as they will know in advance the rates are already
From:
Michael Foley
08 July 2022 22:06 PM
Landlords have to accept we are the cash cows, easy pickings 5, 10, 30k penalty at the drop of a hat no problem. Different for others like Brent Council have written off £400k un collected debts whether businesses rates, over payment of Benefits etc, last year written off £2m in historical debts not collected but not private Landlords we are hit wrongly with a sledgehammer.
From:
Michael Foley
08 July 2022 20:12 PM
Jo, well Summarised. George behave yourself.
From:
Michael Foley
08 July 2022 17:46 PM
Section 21 is the breaking point for me, it doesn’t matter a hoot what the EPC is when they have given the Tenants Control of your acids.
From:
Michael Foley
08 July 2022 07:22 AM
Mr Johnson resigned but Eddie Hughes still in place that was put there by discredited Johnson. The Renters Reform Bill will crash the economy so if that’s what they want continue, you can’t have an economy based on housing alone not sustainable which is what seems to be happening now, its a merry go around LL collects the rent pays the tax to help house over a million housing benefit claimants much of which is paid to LL’s to house them to re-repay the tax again in a circle for ever. Looks like Mr Johnson is still in place they’ll need a Section 21 to get him out.
From:
Michael Foley
08 July 2022 07:01 AM
No chain to break usually 28 days to complete, none of this coming back finding faults knocking the agreed price, or saying we can only raise so much for the Mortgage and want £10k off after wasting months, or the Surveyor said ground is too high for the damp course and it will cost thousands, I have heard that one but after they bought the ground stayed as it was.
From:
Michael Foley
07 July 2022 08:39 AM
Maybe he wants a lifetime Tenancy like trying to get rid of Section 21 and collapse the economy. 50 gone no need to replace them doing a non job braying like donkeys at each other, what a way to behave in Parliament. Big agenda to make more rules & laws what for ?. They never stop making laws at what point do they think we have enough or was that years ago. Good riddance to Mr Gove he doesn’t know the meaning of fairness and him a former Justice Secretary. Its not levelling up anything it’s a malicious meddling to destroy Private Sector Housing that house millions, it seems to me we are just tax collectors contributing billions to the Treasury and they want rid of us, their loss I don’t know why we bother.
From:
Michael Foley
07 July 2022 08:01 AM
Premier Boris Johnston has now lost all credibility and everything he does is based on lies. Surely the main backers, Shelter, Generation Rent, Eddie Hughes and Michael Gove have been discredited as well, so their input to the Renters Reform Bill is called into question. They are the Architects of the WHITE PAPER based on a pack of lies so it unsafe and should be scrapped immediately.
From:
Michael Foley
06 July 2022 22:12 PM
Thank God, hopefully followed by Eddie Hughes.
From:
Michael Foley
06 July 2022 21:24 PM
(Don’t)
From:
Michael Foley
06 July 2022 21:06 PM
Yes Andrew we can clad outside with insulation but I do like covering up my yellow stock timeless bricks and of course the cost added to all the other costs that’s been imposed on us as Landlords,
From:
Michael Foley
06 July 2022 21:05 PM
No need for rent controls the way inflation is going with the rising costs of everything the Market and competition will soon find its own level even if it’s a drop.
From:
Michael Foley
05 July 2022 14:29 PM
Jo. I think we have it already in the shape of Article 4, if you had a HMO LICENSED property and subsequently let it to a family some Council will prevent to reletting it as a HMO that is restrictive Planning Permission.
From:
Michael Foley
05 July 2022 14:03 PM
It’s fraud & corruption and can’t expect any better when the law of the land is that one sided. As said they knew the condition it was in, yet moved in or did they cause the holes in the walls. I think almost everyone have multiple electric power leads those days with all the modern technologies /computers etc, although most are very low wattage. It’s a sad day when landlords can’t trust or have any confidence in the Justice System.
From:
Michael Foley
05 July 2022 09:11 AM
They don’t give Tenants much credit, telling them they are on their side while every regulation they made have caused increase in their Rents probably adding up to 20/25% in recent years. Tenants are educated and intelligent people does Government think Tenants don’t know the difference between propaganda and rising Rent. Same goes Mr Sadiq Khan saying he’s committed to helping Tenants while robbing thousands from C/tax payers or even from each is individual property he takes hundreds of £’a in c/tax, they can do without his kind of so called help.
From:
Michael Foley
04 July 2022 18:40 PM
Why should a LL be responsible for insuring other people’s live Stock, just get them a Teddy .
From:
Michael Foley
04 July 2022 13:00 PM
No, yes I am only too well aware Its not only dogs but a good starting point. I have had all the other speeches, like , armadillo’s , guinea’s pigs, pet mice, live rats from China to feed the snakes, need I go on ?, so Its not to just force us to house Tenants for life but also their animals and other species.
From:
Michael Foley
04 July 2022 12:51 PM
So it will be like the Deposit Schemes to protect the Tenants money not the Property.
From:
Michael Foley
04 July 2022 07:43 AM
It more interference in the PRS doing even more damage. It should be left as now between LL & Tenant and that’s difficult enough to deal with already. I have suffered it all, dogs in property often unattended all day, doing damage, furniture, carpets ruined, smell atrocious,Garden full of poo, dogs sleeping on Beds, used as weapons to prevent LL doing his duty or any maintenance. Gas Engineer came and scared for his life dropped his tool box (cracked the Ceramic Floor Tiles) made for the door and owner saying he won’t touch you. No use talking about Insurance waste of time and a another load of unpaid bureaucracy there’s not enough hours in the day. 1600 Postal workers bitten in the year if you are looking for evidence and they don’t even have to enter the House. Regarding the little dog in the Article don’t think they are going to be like that little one, although one of my Tenants already has one exactly like that one. Wee all over the place and evident as soon as you walk in, sometimes you can just see his head poking out of her bra. So it’s all new & wonderful to those people making regulation’s that had never to suffered the consequences.
From:
Michael Foley
04 July 2022 04:22 AM
Ellie, I agree on all 5 points, the reasons given and exactly how I see it and operate, go to the top of the Class. Robert, not knocking you but there’s not always a pool of high paid Professionals to pick from.
From:
Michael Foley
03 July 2022 07:58 AM
GW, my friend all this is already in place and that’s well before this fool of a White Paper and Gove generalised distorted facts. The Horse cannot bolt he is already firmly locked in the Stable and not a glimmer of light.
From:
Michael Foley
03 July 2022 07:40 AM
So now we have a 12 point anti- landlords plan, where is it fair to the landlords ?. Not fit for Purpose Michael Gove no fit for Office. They Talk about being guided by property experts, that will be Shelter, Lloyds Bank, John Lewis, General Accident etc the new boys on the Block which is what the White Paper is all about, get it done quickly this Parliament before being chucked out.
From:
Michael Foley
02 July 2022 17:19 PM
Ellie my friend you are having us on, all mine have battery back up too same difference should be independent and the annual Certificate alone will cost £100. Regarding the fire doors I don’t want the cheapest on the market taking from the property so even a cheap 6 panel moulded door from B&Q is £100. or £129. Wicked, the door furniture alone cost me £100. concealed door closers are more dangerous than anything else goes bang if someone opens a window, a reasonable quality Briton 2003 is £70. I put 3 fire hinges £20, because the doors are hardly fit to hold the screws. Mortise lock £11.99 Euro handles £15.Euro thumb screw cylinder with 3 keys £11.99, for Security and comply with requirement that a person cannot get locked in a room so no keys allowed inside the room. What about frames, door stops & seals but all this materials is still at the Merchants & will need full paint treatment. How much an hour is a Carpenter those days if you can get one to come….
From:
Michael Foley
02 July 2022 14:33 PM
Sorry it can’t be wired off the lights circuit I had this years knocked back and I acknowledge it was easier your way but it has to be wired independently on its own circuit, now I will continue cutting the grass.
From:
Michael Foley
02 July 2022 13:34 PM
Fair enough but the hardwired fire alarms system can’t affect any other parts of the electrical installation and has to be directly wired independently on it own circuit with its own trip switch on the Consumer Unit. Anyway there is so much other stuff we can’t go into in a blog, also I commend you for doing things well, on the down side it all costs lots of dosh but then we have to pay the Council’s for the work we just did.
From:
Michael Foley
02 July 2022 12:29 PM
Well if you have a property that’s relatively modern and everything is already compliant then I agree maintenance is not too difficult. However when you have a traditional Terraced or Semi- obviously not compliant how could it be when it was already there before they invented new Regulations that didn’t exist back then, so when you start installing fire doors & sometimes ripping out doors frames its a different kettle of fish with people living in the property and everywhere jammed tight with their belongings, then start lifting floor boards to run wires whether for electric upgrade or install hard wired fire alarm system & emergency lighting or plumbing and kitchen alterations to comply. I have been there done that Its close to impossible, careful now don’t touch my belongings or rise any dust try it & see, (don’t come early or work late how long will it take you are you not finished yet).
From:
Michael Foley
02 July 2022 11:52 AM
According to the White Paper renters stay at their rented property on average for 4.2 years so why the clammer for longer Tenancies. Michael Gove not fit for purpose.
From:
Michael Foley
02 July 2022 08:58 AM
All those Regulation’s as it certainly appears are being brought in with one purpose in mind as Government has stated its their policy to reduce the Private Rented Sector, widely reported in the media and on here. Then they and everyone else shouting from the roof tops that there’s a grave shortage of housing, so this is their idea of making more housing available by reducing it further ???, (morons).
From:
Michael Foley
02 July 2022 08:19 AM
Sharron I am sorry you feel that way about it but you were renting the property not buying it. The Contract would have made that clear at what point did you think you would acquire ownership. There’s a clear difference between renting and buying and you were not buying. The Landlord did not take your money he provided you with a property and has to charge for supplying that Service to you. I am sure he had to pay Lenders or Banks plenty, he didn’t acquire a free property by a miracle or pennies for heaven to hand out for free so he was not taking your money nor were the Banks taking his money they a charging for the service so it’s no use implying people are talking your money as if for nothing. I hope you will buy a property everyone goes through a renting phase I wish you every success in the future.
From:
Michael Foley
01 July 2022 23:01 PM
Not Capital Appreciation more like Currency Devaluation so you need more pounds to buy the same thing, same goes for food and cost of living generally. Banks are the biggest cause of homelessness by bringing down Base Rates too low Abolishing Savers. People with savings were getting zero returns, at end of year probably lost 8/10%, so they were all forced into Properly trying to hold their own, all bidding against each other driving prices through the roof, making property unaffordable for people on low wages and no opportunity or incentive to save as it had been abolished by the Banking system .
From:
Michael Foley
01 July 2022 21:44 PM
I don’t think this is not full story, when the 5 Flats were converted was Planning Permission Obtained, were Building Control Regulation’s complied with and a Completion Certificate obtained to show the work was up to Standard. Were HMO Certificates in place or in an area not requiring licensing or occupied by persons exempt from licensing, Anyway if you are required to make improvements by Council, its something you would do immediately and not wait for improvement notice or Court Cases, the last thing you want is to be fighting with Council.
From:
Michael Foley
01 July 2022 09:49 AM
I find myself agreeing with NRLA for most part on this one but too much left unsaid, like the threat of removing Assured Shorthold Tenancies, Removing Section 21, Introduction of HMO Licensing, Section 24 etc, all contributory factions to bring about the demise of PRS.
From:
Michael Foley
01 July 2022 07:52 AM
Lindsey, you have me beat I can’t get my head around your take on this, so the simple answer is not to supply those items and let unfurnished also you won’t get penalties for the non compliant furniture. Good LL’s will always be a target for Regulators. I can see if Rent Cap comes the ones that let good property for a reasonable rent will loose out again, as I suspect any increase will be based on a percentage added to your current rent, so the LL’s now charging top dollar which may or may not have good quality property will get even more rent.
From:
Michael Foley
30 June 2022 21:03 PM
Stephen. For me its a red line and a massive problem. Occupy my Property as of a right to the exclusion of all owners rights that he no longer has. As for the Rent they can shove it, landlord since 1978
From:
Michael Foley
30 June 2022 09:03 AM
Living in shared housing was a far better way to save to buy your own place before the introduction of HMO’s in 2006, robbing them of their savings forcing up rents to fill Local Authorities pockets, like £1500. Licence Application Fees for Council’s which was never needed as the Council’s had all the power they even needed regarding PRS as far back as 1992. No need to mention the huge costs of compliance bestowed on LL. So its easy to know who is the culprit of high Rents but then pretend to be their friend, divide & conquer.
From:
Michael Foley
29 June 2022 08:52 AM
There’s more going on here Landlords not allowed to use the Council’s waste & re-cycle facilities just like other household Council tax payers for domestic waste, mattresses etc. They are getting full C/tax from the Property regardless, sometimes paid by LL’s and if vacant higher C/tax paid for a non service. It’s rubbish to say it’s commercial waste when its the same domestic waste. They invent a big long list of domestic items classed as chargeable, no wonder there’s fly tipping. To add insult to injury Brent Council closes the waste dump facility in Abbey Road to Domestic users two in the middle of the week every week.
From:
Michael Foley
29 June 2022 07:28 AM
This is a direct result of continuously interfering with Section 21, plus HMO’s and Section 24 etc, driving out Landlords from regular letting. What do you expect it seems to me if any business is successful, it cannot be allowed and the law will be changed to stop it. York the centre of Government Housing Policy’s a couple of ladies there has done some damage.
From:
Michael Foley
29 June 2022 06:50 AM
Robert, you were lucky you had a hot water tank, ours was in the cast iron pot on the open fire it might be hot if the wood didn’t get wet. Ah but sure they must think now we are very green.
From:
Michael Foley
28 June 2022 07:56 AM
Jo, very good so they might not even be paying the Rent how did I omit that !.
From:
Michael Foley
28 June 2022 07:44 AM
Why buy when we have a White Paper granting them rights to assume ownership, occupy the Property as long as they like, walk away anytime they like or stay for ever, no Mortgage’s, no penalties, commitments or any financial loss or Courts permission required but just as of a right. Some of those so called Regulators and Law makers needs a brain scan & reset, before the economy seriously collapses.
From:
Michael Foley
28 June 2022 07:40 AM
Very good another day another Survey of course renting is far cheaper than buying I disagree with the Article. My average renter is paying £350. pm, and I pay the Insurance, do all maintenance & up keep. Try getting a Mortgage for that, are they having a laugh. Then we are burdened with worse than useless Deposit Schemes not fit for purpose so I don’t take them anymore + Section 24, Section 21, Criminalised, HMO’s etc. Think on high inflation, Interest rate rocketing. We all know at who’s door the blame firmly lay for any problems regarding Private Rented Sector, try No 10.
From:
Michael Foley
28 June 2022 07:00 AM
49% is a lovely figure even if they claimed it was 9% I still wouldn’t believe them. I don’t have any in any of my properties now there’s a statement of fact. 49% is remarkable close figure to the 46% Shelter alleged that Landlords withheld Deposits to bring in the Deposits Schemes in 2007 turned out to be totally untrue, when only less than 2% went to Deposits Resolution, making unsafe legislation base on a pack of pokies is more of the same, Congrats.
From:
Michael Foley
27 June 2022 11:56 AM
(Activist’s typo)
From:
Michael Foley
27 June 2022 08:50 AM
Looks like the Councils are Activities doing as much damage as possible to Private Rented Sector Landlords who houses millions of Tenants with private funds and burdened by Council’s rule which they exempt themselves from. What then there not going to house them. Alicia no need to win over Council’s you are pushing at an open door, you are already in bed with them.
From:
Michael Foley
27 June 2022 08:47 AM
Why would a Tenant rent a non decent home and then look for his money back, such hypocrisy.
From:
Michael Foley
27 June 2022 08:01 AM
Ellie. What a list while some un-furnished don’t even give them a washing machine or extra white goods like freezers & fridge’s, ironing board or the Henry like we do. The 3 bed Semi generally has 2 receptions rooms but I have seen some HMO’s with all 5 rooms let, once they have the room sizes that is acceptable for driving up standards not. So everything they didn’t supply they are not responsible for unlike furnished accommodation, un-furnished wins hands down for better returns and not Pat testing every year either. Tell CIA that.
From:
Michael Foley
26 June 2022 16:49 PM
I had to turn people away because they wanted it unfurnished the money wasn’t the issue at all they expected me to remove the furniture, where would I store it ? So I would have the same rent, what about the £3k+ I had just spent furnishing the place, try it and see £1500. 3 piece suite, dining table & chairs £1200. Beds £250. each x 3 £750, plus loads of other bits & pieces, that’s equates to substantially less income than unfurnished. I have always done furnished but now not worth it with Corona virus mattresses throw virtually every time Tenants change. I didn’t mind replacing in the past before they took away the 10% wear & tare but too many of unfurnished LL’s were falsely claiming the allowance so we have to suffer. Then we have all furniture compliance regulation’s. HMO disaster I went to Excel property show there was Seminars there telling people how to make money by making bedroom out of sitting rooms, I kid you not and they talk about forced in HMO’s to drive up standards.
From:
Michael Foley
26 June 2022 09:52 AM
The fact is you get less for furnished lettings I had done a blog but it disappeared for whatever reason, don’t mention so called specialist Insurer’s to me, increased premiums every year more terms, conditions & exclusions added and this purports to be their Survey .
From:
Michael Foley
26 June 2022 07:02 AM
Jo. I will tell you what has changed it’s one thing to occupy my property by my agreement and consent. Its a completely different matter to occupy my property as of your right that’s what has changed. So now they want to create a situation where the landlord has to pay them back rent is it not enough already to give them back the Deposit and three Deposits that we never received. So now they would like us all to be professional what have we being doing for the last 40 years, so now all those letting platforms / Agents wants every thing done how they think it will suit them, incidentally where was any of them before Section 21 ?.
From:
Michael Foley
25 June 2022 19:23 PM
William I did use this micro bore nylon central heating pipe work about 50 years ago and it worked very well often plumbed using a manifold system where you could run individual rads separately or isolate if required, hence a bigger a diameter supply pipe was not necessary.
From:
Michael Foley
25 June 2022 18:53 PM
One of the disadvantages of a Company, you get fined and the Company gets fined doubling the fine. The bit that’s missing here is the Rent 2 Rent Agent if indeed that was the case. This Rent 2 Rent is wide spread in London. I have been approached several time by Agents & Individuals alike but never fell for it. They take your property at the rent you advertise it for, so huge numbers are doing it, they then sub-let it for short let’s or AirBnB making a good margin for themselves sometimes double. So there is no cost on them, don’t own anything so there’s no Mortgage’s to pay and when it all over goes belly up the Landlord is still responsible, could be an element of that here, so landlords take heed and don’t fall for Rent 2 Rent in my eyes its a widespread scam
From:
Michael Foley
24 June 2022 19:56 PM
Paul have you taken leave of your senses, don’t insult our intelligence it’s the very reason to throw in the towel. The very reason so many Landlords have been stressed out and sold up, you can’t make light of that rubbing salt into the wounds and tell us it will make it better. A long time coming you say and wasn’t 1988 Act a long time coming before when we fought for years for Assured Shorthold Tenancies because of the unfairness and the very reason its accurate to say there was no buy 2 let or any letting available at that time due to the fact if you let a property to anyone they immediately became a Sitting Tenants and the value of your property halved or disappeared for ever, this is exactly what you expect everyone to go back to. I know how it was and is, many of us spent our whole life to create or buy the property working 7 days a week making endless sacrifices, not taking breaks or going on holiday’s at home or abroad, creating the private rented sector that now houses 4.5m people from private funds and contributing billions of £’s to the economy. Roll on you now want to tell me a guy off the Streets have more rights to the property than the owner, he just walked-in took possession and occupancy’s of my property for ever, he probably spent half his life on Benefits and no commitment or contribution but now entitled to my property. So now I’ll need his permission which won’t be available to sell vacant possession, don’t give me all this rubbish about if I want to move in or a family member to do so, none of their business what I want to do with my property it not theirs, they didn’t buy it or anyone else make any financial commitment, so now they are going to call all the shots and dictate to me what I can and can’t do. What tree do you think we just fell out of !
From:
Michael Foley
24 June 2022 07:50 AM
Biggest Landlords worry loss Freehold ownership rights and vacant rights. Exclusion from their investment and loss of all Control / Section 21, Section 21. Section 21. Section 21. Section 21. & Section 21. Just add treated as second class citizens and Criminalized specifically by law more than any other human being.
From:
Michael Foley
23 June 2022 08:26 AM
Well done Shelter, Generation Rent, Acorn, Government Anti-landlord Regulation’s, Policy’s & licensing Schemes that’s what your meddling does distorts the whole market, damaged the economy. The eye watering are the tears, the heart break comes later with the collapse.
From:
Michael Foley
22 June 2022 07:17 AM
Very surprising long list big amounts in all walks of life, penalties are huge, false benefit claimants seem to be missing here, are exempt or it’s ok to receive.
From:
Michael Foley
21 June 2022 08:10 AM
Ellie. I understand your comments on Inheritance tax, I had a friend of 50 years same situation more or less never put foot wrong worked every hour. Cancer took him at seventy, trusted his Estate to the professionals /Accounts & Solicitors instead of family, big mistake they had last power of itinerary, 4 years on brothers & sisters still waiting for anything from his Estate. Some properties sold under value to pay the tax. His wife wasn’t happy about how it was been handled and contacted the Solicitors, they told her they don’t even have to speak to her. Keep clear of Lasting Power of itinerary .
From:
Michael Foley
20 June 2022 14:30 PM
That was as meant to be as good as Inheritance tax for Gov’, c/gains + SD !. Jason I think it’s a bit of a cheek, you had 9 years cheap living subsidised by us tax payers to feather your nest at our expense then want to say we at motivate by greed, look a bit closer to home.
From:
Michael Foley
20 June 2022 09:33 AM
Its hardly news to Landlords who have been continuously sanctioned, what would anyone expect to happen. That said they know we can do nothing about it, leave we are hammered with capital gains tax purely on inflation or money devaluation take your pick. So Gov’ will have that + big SDLT from new buyer which is as good as c/gains if one can be found. With regards to opportunity for first time buyers, Its an opportunity to get into serious financial trouble with interest rates rising and get caught in a falling market then realise the property is worth far less than they paid for it. I think we have learned that one the hard way in the past, as fo LL’s staying in getting hit at the end with C/gains tax with no opportunity to pass on your life’s times work to family members, we are simply held to ransom.
From:
Michael Foley
20 June 2022 09:21 AM
Robert sorry I had missed this comment I have so much going on. Spare a thought I don’t think Scotland is ahead of England in LL bashing and certainly not where London is concerned. I have had some Licensed and re-Licensed 4 times since 2006 each time with increased Application fee and additional requirements so Scotland can’t be 4 years ahead of that but I believe it may well be true for other parts of England who haven’t done any yet. I think it should apply to everyone or no one and stop all this related stuff, it easy to know who’s making the rules who their friends and relatives are, and who staff the Civic Centres and Government Departments. I think everyone should do one before others are required to do a second, better still scrap the licensing Schemes all together, didn’t we always have rules and regulations without a license, now a mayor cost to LL’s and the main cause of high rents to Tenants, not least at a time sky high inflation, it’s getting more like enforced recession every day
From:
Michael Foley
19 June 2022 19:59 PM
So we now have Mr Ben Beadle CEO of NRLA also talking about improving Tenants rights in this article, the very issue that’s causing the many problem’s in the Private Rented Sector and why so many Landlords are unhappy or wanting out, because of the unfairness and Tenants having too many rights, are we as LL’s supporting an organisation that’s working against our interests and driving a wedge between us and our customers. The Bill has passed the White Paper stage before it turns Green and becomes law. They should give it, it’s proper title The Private Landlords Confiscation Bill.
From:
Michael Foley
19 June 2022 09:52 AM
To be honest I never charged anyone any extra or required them to pay or stay if they wanted to leave just wished them well, some were glad to come back. It a shame the Landlord have no rights when its other way around. The Government is not listening so we are wasting our time making comments now, the decisions has been made regardless and we have been ignored, heaven’s knows we are blue in the face from telling them. I don’t buy all this media hype about Accidental Landlords. I am sure if you became a Landlord it was a deliberate conscious decision and nothing accidental about it, because of the abolition of Savers leaving them looking at their money dwindling year on year, so they had to do something even if it meant bidding against each other driving up property prices to unrealistic values. Maybe we should call them forced property owners.
From:
Michael Foley
18 June 2022 20:58 PM
Not fairer for Landlords just more of the same totally discriminatory laws, Those Organisations suppose to be helping LL are just creaming off making a fat living off our backs, the more laws and crap they introduce the more money for them. There’s is no representing Landlords who supplies the property and takes all the risks and no one else at risk in law
From:
Michael Foley
18 June 2022 13:56 PM
It’s rubbish its not fairer Renting it’s already unfair to Landlords by a long way, so there idea of fairness is to make it more unfair. What’s all this talk about eviction for no reason the reason is always clearly stated at the beginning of the Contract and signed by all parties concerned. What’s wrong with that it’s signed for the Term of the Contract and the conditions attached there to, whether it be for 6 months, one year or more, as long as it’s not more than 7 years. Hence its known as an Assured Short Hold Tenancy (AST) so all parties had known exactly where they stood, it’s for the Contract Period only, there was never any question of the Property being let on any other basis and no indefinite rights of occupation given or otherwise. They clearly knew it was for the Contract period as they were not buying the Property. I never ever heard of anyone being evicted during the Contract Period unless extreme Circumstances which always involved a County Court judgement, so where were they treated un- fairly never. Further there was an amendment to the Law subject to both parties agreement it could run as Periodic on a month by month basis, how fair is that to the Tenant, bearing in mind only The Tenant and the Courts can end an AST the Landlord cannot !. So what’s all this nonsense about fairness it rubbish.
From:
Michael Foley
16 June 2022 16:53 PM
It should be left as it is between Tenant & Owner to agree or not, why can’t they stop poking their noses in none of their business, they have no in put only to meddle and ruin. We can say what we like but who’s listening, no point in saying not to leave dog unattended for more than 2 hours, we have no means of enforcing it and excluded from the property, blank strangers, Tenants mates, sublets, over crowders all now given rights over Landlords property.
From:
Michael Foley
15 June 2022 12:19 PM
The gas Engineer will often refuse to enter when a dog is present, he’s off and difficult to get them to come in the first place, clearly those rule makers don’t know the business.
From:
Michael Foley
15 June 2022 11:53 AM
Sorry Jo, London can’t function without vehicular transport. Public transport is fine for Office type Staff and administrative employees with their lap tops or sandwiches in the brief case but for people who do other works or trades private transport is essential, no need to go into costs, Congestion Charge £12.50 pd,, ULEZ £15 pd, Parking £6.00 + ph and limited hours much more, Petrol……., etc, can someone tell the Mayor Mr Sadiq Khan who is oblivious to all this.
From:
Michael Foley
15 June 2022 08:29 AM
Look like the end of Joint Tenancies, they are all equally liable joint & several but now the Welsh Government see fit to make this nil & void, the proposal allows one to come and go at any time they like and be replaced, so it’s not a Contract at all just permanent occupancy’s with no Contract. We are only going to be able to let individual room like the HMO’s forced upon us. Do they not think HMO’s and the huge burden of red tape associated with that was enough. Also I have to disagree with some LL that think property prices & Rents will rise. I think not a bit of it everyone’s purse strings tied and strapped for cash, it wishful thinking reality is very much different.
From:
Michael Foley
15 June 2022 08:03 AM
Shouldn’t be postponed should be scrapped, too much existing red tape which is the cause of current housing problems and their answer is more red tape. Why are they in a job, not a hope them earning their own living yet allowed to introduce Treasonable Policies, at a time of staggering inflation and a recession imminent speeded up by this crap.
From:
Michael Foley
15 June 2022 07:18 AM
Terry knott, have you just woke up you are now responding to an Article of 3 days ago and thanks for the amazing advice I have given 40 years writing to Members of Parliament and Ministries they do respond with the usual lip service but a complete waste of time. My current M.P in Brent has been re-elected 7 times and continuously since 1997 on the back of Benefit claimants, there seems to be more of those in Brent than tax payers. We have given up voting it’s pointless although we are required to register just to keep the returning Officer happy, maybe they can sell our names. What a waste of money putting those 12’ Portable Cabins obstructing 8’ road lanes when it’s not compulsory to vote people are too fed up to vote. I still have about 50 cream envelopes from the House of Commons, it just adds cost to their Stationery Dept. Private LL are now tied to the desk with paper work with no free time left & you want us to write even more. Sorry rant over.
From:
Michael Foley
14 June 2022 15:49 PM
Mr Sadiq Khan wants to know our views on the explosion of tens of thousands of Short Term Let’s in London. The answer is staring him in the face it’s the Interference with Assured Shorthold Tenancies / the Removal Section 21, meaning the end of AST. Will the brain has the capacity to take that on board or is it too much to take in.
From:
Michael Foley
14 June 2022 14:35 PM
The Private Rented Sector increased from 2.8m to 4.5m in 10 years according to the Article, so there was a big need for the Service the Private Landlord provided or they couldn’t be buying the Property could they, did the Government have any plans to house 4.5m people from the Public Purse !. Ah’ yes round table discussions with Policy makers and STAKEHOLDERS that will be the new kids on the block John Lewis, Lloyds Bank and General Accident etc, no one asked me yet.
From:
Michael Foley
14 June 2022 08:50 AM
Never any mention of what caused all this, giving Bank of England control over Interest rates. The Interest lending Base Rate used never be below 4 / 5% then you paid a percentage on top of that according to your Credit worthiness. They kept reducing base Rates to nothing abolishing Savers the root cause of all, forcing people into property because they were getting no return only looking at their money devaluation in front of their very eyes. That’s what happened there’s not an economist in the Treasury. The excuse was to control inflation it didn’t work very well did it.
From:
Michael Foley
14 June 2022 08:19 AM
Well you can buy but not that simple, the Mortgage / lender don’t guarantee your home, miss payments and you’ll find out, they are even less tolerant than many Private Landlords and have far more power, they don’t need S21 they are guaranteed possession. The Councils property may not be for life either. I seen it Mom & Dad passed away their daughter was expecting to remain having lived there all her life, there is some small grace period but she has been told she’ll have to find shared accommodation, so there is nothing guarantees in life not least don’t expect others to under write guaranteed for you.
From:
Michael Foley
13 June 2022 21:17 PM
An observation I take from David’s 15 year comment it co-insides with the introduction of Licensing Scheme’s. Section 21 was introduced in 1988 so that’s 19 years prior to the 15 years referred to.
From:
Michael Foley
13 June 2022 16:53 PM
David Edmonds my friend I am right here, always here through thick & thin since I first bought at Athawes Auction, in Connaught Auction Rooms in Holborn in 1972. Sorry you have had bad some experiences but we all get knock’s along the line, you seem to be a financially stable guy if I may say so. What on Earth are you doing renting for 20 years. Best wishes.
From:
Michael Foley
13 June 2022 16:41 PM
Tax experts warn Government to lay off LL’s, are they getting worried about loosing their golden goose. REMOVAL of SECTION 21 is an under statement. IT IS THE REMOVAL OF “THE ASSURED SHORTHOLD TENANCY” no more AST. Auction lists full of Flats & houses, Blocks of Flats and whole Portfolio’s, this is the damage they are wilfully doing.
From:
Michael Foley
13 June 2022 16:12 PM
Andrew yes they do which is why they want to keep Landlords out, and they have made it so you can’t do anything about it anyway. Just give LL a Penalty for not doing what he’s not allowed to do.
From:
Michael Foley
13 June 2022 13:59 PM
Jo, you have good point as usual one of most knowledgeable LL on here I’ll give you that. The 6 weeks consultation is not a consultation it’s just 6 weeks passed by before the bring in what ever they want. I seen that when the Scheme was first introduced, a guy came from York done speeches at 3 venues in one Borough and told us what was coming in, there you are that’s you’re Consultation, he got paid £100’000.00 for that. I have some properties with 2 kitchen sinks in each kitchen, 2 cooker’s and 2 sets of hobs per kitchen, when Tenants come they are amazed and wonder what it’s all about. Regarding related or not what difference should that be, they shouldn’t be treated any differently to anyone else. Whether they are sharers or an item with-in a let is not our business or for us to say. I have seen them switch partners with-in a let. I suppose Premier Johnson would be a good role model for this kind of Living.
From:
Michael Foley
13 June 2022 13:27 PM
I understand their staff gets a share of their profit but recently hit hard times and I found their shops too expensive anyway so they muscle in on private Landlords, just like Lloyds’s Bank and General Accident etc. yes they have a Subsidiary in West Ealing / Waitrose’s Supermarket and car park when the high speed Trains go by it vibrates the whole place frightening really.
From:
Michael Foley
13 June 2022 12:37 PM
Stephen. I agree with most of what you say but the attack started in 2006 following 2 Jags John Prescott 2004 housing Act. There has been an endless number of attacks since I have mention them before on various occasions so I won’t bore you again, no Queensbury rules for him, he got a knighthood instead.
From:
Michael Foley
13 June 2022 12:11 PM
Karen, so sad and so true if we get a property vacant we have to take the opportunity to do the work costing us thousands of £’s to comply with the newly invented rules and or if a licensing requirements are needed pay the Council’s £1500. for the work we have done on top. Just add your time & several months rent loss in the vacant period forcing you to increase the rent for re-let, hence making your property too expensive for Tenants so they are off at their first opportunity. Then they want to talk about a rent cap probably a fools cap.
From:
Michael Foley
13 June 2022 11:57 AM
Jo. none of my natural 3 bed room house’s as originally built are paying £1900. but are significantly less looks like they are 20% below LHA. (+ they have extra spare room or 2 reception rooms)
From:
Michael Foley
13 June 2022 08:38 AM
John Lewis to mussel in on Private Rented Sector and to Offer Long & Short Tenancies just get us out of the way for them to take over. We have been Offering Long & Short term Tenancies for Decades but now obstructed and prevented from Offering Short Term Tenancies by Law with the removal of Section 21. So how are they going to be able to have Short Term Tenancies and we at not ?.
From:
Michael Foley
13 June 2022 08:01 AM
Where are average Rents £1’832.00 pm and for how many people sharing, do I divide £1’832. X 5 or 6 persons to find out how much each are paying. Certainly no individual paying that even 2 wanting a place on their own probably £1’000, pm. Does anyone know the difference between average and extreme's.
From:
Michael Foley
13 June 2022 07:47 AM
You must be confused sure many will move back home but you think they will contribute to their Parents. I think not a bit of it, live Rent free yes have their cooking / washing done and waited on hand & foot, you think they are going to admit to that in a Survey .
From:
Michael Foley
13 June 2022 05:01 AM
Echis, my friend the Government won’t help us out they are determined to destroy us. Without going over all the stuff we have aired on here in recent years. What’s the very minimum we need to let out a Property from an administrative point of view alone enough to choke a donkey. ‘How to Rent Guide 17 page’s’ Electrical Condition Report, The Gas Certificate, The Fire Alarm Certificate, The Energy Performance Certificate, The Emergency lights Cert in HMO’s, Information Commissioner Office check, The Carbon Monoxide Alarm, The Tenancy Agreement (The Government version unworkable and disgraceful 70 pages). All this is supplementary to the letting you haven’t checked The Tenants status yet or their ability to pay or reference. I think its no wonder it only most of the ones that don’t comply make to money. For example I see one Road where I have a property, 8 others let properties have an expired EPC some are years out, another Road I have one 15 with expires EPC’s and another Road with 34 expired, I believe 30 are let, what’s going on or are the rest of us wasting our time and giving ourselves nightmares, how do they know even if they have the minimum’E’ ? . Its all Public Knowledge on Gov’ web site you don’t need to be Columbo.
From:
Michael Foley
12 June 2022 18:31 PM
Jo. Lenders can do what they like to you and are crooks anyway. I had a Mortgage on one some years ago but I didn’t fix the rate initially my fault so that cost me £5k extra I hate been tied to them, the follow on period I did fix the rate for 3 years to save me £2.5k but I wanted to get rid of it really so I was keeping an eye on end date. When it came close to end date I repaid it, next I received a Bill for £8’600. Penalty for breach of terms for paying too early / 2 weeks too early. I only paid to make sure it wouldn’t over run & incur more costs silly me it had to be on the day. They wouldn’t listen to reason, I had to involve Ombudsman before they relented. Then more nonsense their system wouldn’t allow correction, so they put the money back into my Account again and I had to re-transfer it back again on the exact day. My Bank couldn’t understand what was happening, well done the works Mortgage.
From:
Michael Foley
12 June 2022 08:38 AM
Daniela. I suppose I would have to evict everyone and start again if I want more rent the current clientele haven’t got great jobs but they are ok really and keep the place clean and tidy which goes a long way. It just unfortunate the Council’s are driving up rents with unjustifiable Regulation’s & Licensing Schemes to cream off for themselves wholly. Then paying lip service about rent cap pretending to be Tenants friend when they know well a rent cap is a revenue cap, can’t see them cutting their tax take.
From:
Michael Foley
11 June 2022 17:32 PM
Jo. So true and their agenda is to meddle & rune, drive us to the wall because its not theirs and nothing they do affects them. Landlords can’t get out because of the 28% c/gains then still not finished they’ll waiting at the Cemetery Gate for another 40% inheritance tax grab, not allowed to give it to your family because if you do that will mean it have to be sold to pay the tax. Then they are amazed that 25 million don’t have a Will forgetting the System don’t allow it be done.
From:
Michael Foley
11 June 2022 16:43 PM
We have always helped them no end while being continuously attacked and vilified by Government, Councils, Shelter, Generation Rent etc’ all smug sitting on the fence. I have a Seven Person licensed HMO in London let at £1550. pm. I would like to see Public Sector housing compete with this. I doubt if they could house Two persons for this and with all the advantages they have, rules exemption’s, financed by Public purse and no tax or license for them then they pick on us.
From:
Michael Foley
11 June 2022 11:07 AM
Amazing Council able to give incentive and guaranteed rent out of tax payers money not their pockets to give advantage over Tenants paying their way for everything.
From:
Michael Foley
10 June 2022 10:02 AM
It’s a fore gone conclusion we all know Institutions charges more rent and are favoured by Government, so creating more expensive renting and the loss of dedicated landlords devoting millions of hours of their time to make sure everything is looked after, loosing the personal touch being replaced by Contract workers who won’t be too bothered just mark the report sheet then a big admin who ha, no Section 24 for them that says it all.
From:
Michael Foley
10 June 2022 09:15 AM
Getting rid of long term Private Landlords is a huge loss to the economy. The more Landlords that sells up and if bought by an owner occupier, it’s a safe bet the Revenue looses 40% tax take on each such Property per year, also their outrageous licensing schemes now £1300. application fee plus now £50. per habitable room plus the huge financial loss take from Penalties and Court Cases which only ever have one result, plus the Deposit take / the 4 times nonsense, plus the Stamp Duty loss on initial purchase by an owner occupier only a fraction of what of take from buy to rent, plus the millions of £’s for all the other Compliance work Landlords are now required to carry out + 20% vat on all that, plus loss of Estate Agent income their tax & vat, reduced employment for the young people they employ. Have they got a death wish killing the golden goose where then to pull the tax from. Jim write another Book it above me, a lady said yesterday I think went back to education for her A level by I wouldn’t know what that is, it might be a pick axe.
From:
Michael Foley
10 June 2022 08:27 AM
Daniela. I must have misunderstood I thought you were asking George & Andrew to share what % they were paying. Sorry Daniela my humble apologies for that, as for myself I am not bothered what people know at me I am not hiding behind the bush. Best wishes.
From:
Michael Foley
09 June 2022 21:19 PM
Daniela, my friend it’s a bit much to be asking personal questions. However in London generally find fee is 9% and might get full management for 15% worked out on a full years rent take basic, all plus 20% vat,(you may a local one cheaper). Its a difficult pill to swallow if you are not getting market rents and clobbered with Regulation’s, although you are probably better off with find only service as previously said, they will collect the initial rent and deduct their fees incl’ some other costs for Tenant checking etc. Then after that have the money paid directly into your Bank Acc’ by the Tenants. When LA do the collection service you start getting your money a month later and more even when they have received it. I had a one bed Flat with an Agent they managed to get seven thousand pounds late paying me even though the Tenant had paid, it was a battle royal to get my money of them. I have to doubt they intended to diddle me but it became clear I was going to take action then they coughed up, one of the advantages of having the money paid directly to your bank, it’s all provable.
From:
Michael Foley
09 June 2022 20:30 PM
Anne. I couldn’t agree more equality shouldn’t be optional, when will landlords be treated equally.
From:
Michael Foley
09 June 2022 08:11 AM
They forgot to survey private Landlords no one worried about his mental health with all the stress, torture and unfairness imposed, not to mention the huge financial burden placed on him.
From:
Michael Foley
09 June 2022 07:41 AM
Those Policies exist unnecessarily in some cases for new builds already as I know to my cost. When I built a house on a difficult site ten years ago. they required the level threshold for main entrance and porch doors, extended longer wider hallway, longer larger ground floor Toilet facilities to operate a wheelchair, ramp to house but no person with a disability ever lived there. It compromised the living room unnecessarily I curse them for that why impose those blanket rules without taking the particular situation into account, same goes for many existing houses may not be suitable for adaption but that won’t stop them they wouldn’t know the difference too long at University.
From:
Michael Foley
09 June 2022 07:31 AM
I think the Right 2 Buy idea is daft, why buy something that they have already for buttons. I seen this first hand with the first Scheme, a guy I knew very well had the chance of buying at a massive discount because he had lived there long term but he wouldn’t budge. I believe the difference between renting & buying was £2. pw but don’t want to know he said if something got wrong they’ll fix, true enough he subsequently had new heating for free, they couldn’t imagine life without the security of the Council. Anyway the extended are also on the Council’s.
From:
Michael Foley
08 June 2022 17:01 PM
There is no such thing as a Deposit it’s a scam. Why would you take a Deposit just to protect it. Why is this Service being offered to Tenants to mind their money for them for free, the Banks Charge for holding money. The idea of taking a Deposit was to protect the Property against Dilapidation’s and un fair wear & tear it not for that anymore. So it’s a scam by Rogue Regulators and Estate Agents who now takes the Deposits on behalf of landlords who is responsible but Landlords never get it. Then they have a Scheme where they puts the Deposit and benefit from it themselves.
From:
Michael Foley
08 June 2022 16:25 PM
Some Landlord stitch-up how can they use words like Justice the don’t know the meaning of the word so this extortion racket is exactly why I don’t take Deposits which was taken away by Shelter in 2007. based on a pack of lies the main driver of the change when they alleged up to 45% of Deposits were withheld by LL’s, it later turned out that less than 2% went to Deposit dispute resolution, what an-unsafe law. What other business would be expected to give you back the Deposit plus 3 more Deposits you never had, some farce, so justice, some law.
From:
Michael Foley
08 June 2022 08:03 AM
Steve, What ? you don’t expect them to buy one do you, just give me one.
From:
Michael Foley
08 June 2022 07:35 AM
Ever the owners move a number of times. I have moved 5 times from properties I owned. What’s all this Renter’s going to live in Same place for ever, Regulators / Council’s / Generation Rent/ Shelter etc talking through their hat, Tare up the White Paper Now before it go green in the interest of Tenants and the economy, do the Country not have enough on its plate with the dreadful current situation, cost of living has Sky Rocketed without bringing in Treasonable Policies to do maximum self damage.
From:
Michael Foley
07 June 2022 21:32 PM
David, my friend do you think we evict for fun, why would we do that and cause ourselves a load of work and hassle then having to find new Tenants that might be no better, better the devil you know. When it becomes vacant invariably we will be in there re-Decorating charging beds etc putting costs on ourselves getting ready for new people, while creating a void and loosing rent, even if we were to increase the rent there is nothing to be gained there, having incurred extra costs and loss or income it would take more then a year to recoup the costs of the vacant period, while also paying full Council Tax, Utility charges + standings charges, if it’s a lease hold property we will still be paying Service etc,
From:
Michael Foley
07 June 2022 12:56 PM
Sorry David my friend you are a bit too late for buying up the Utility Companies. The Australians, China, Quatar.and the French have beaten you to it. Although there a remote possibility that you could impose your terms & conditions on them, try it and let us know how you get on.
From:
Michael Foley
06 June 2022 22:50 PM
David my friend don’t talk through your hat. I never go anything from anything for nothing. I was a Renter too and lived in a small room, I always paid my way, never over stayed my welcome. I always understood I was Renting and not buying. I appreciated and was happy that the owner allowed me to occupy the property on his terms & conditions, who was I to come along and dictate to the owner was he should be doing with his property, I applied for a Mortgage and got refused plus the broker charged me the equivalent of 2 weeks wages for the privilege. However I bought a site and build my own by my own hand, incidentally I still have it, so your idea is to come along and rent on your terms and be entitled to remain in my property against my wishes. you are having a laugh go get your own, best wishes.
From:
Michael Foley
06 June 2022 22:00 PM
It’s good that a life’s time of hard work, dedication and Sacrifices never mind putting up all the finance’s to be ripped away at a stroke, to give to someone to walk in with their idle hands hanging. they wants it so that makes them entitled to be permanent installed in my property, I think you are off your tree.
From:
Michael Foley
06 June 2022 20:23 PM
We must are going back to Draconian times or have we been Nationalised. We must be the only Business that is not allowed to withdraw their Service’s, you can leave if you want but leave your Business behind for others.
From:
Michael Foley
06 June 2022 17:44 PM
Removal of Section 21 is a disaster for Tenants for Landlords and for the economy. How can people make light of it and say it won’t make much different, so if that the case why do it ? so obviously that’s not true. The Government/ Council’s have lined their pockets with all this ant-LL stuff pretending to help the Tenants. Why are the Banks allowed to gain possession of the property while the owners are not. Simply because they would have to withdraw their Services or Collapse, exactly what they are doing to Landlords and being held to ransom.
From:
Michael Foley
06 June 2022 12:22 PM
Too much nonsense going on all around, another Tube strike today in London, they don’t want to work themselves and prevent others from going to work as well. Shouldn’t be allowed whatever the grievance stopping others from earning a living. Should be some other way of dealing with this. the workers don’t own the Tube net work do they. Parliament have no qualms when it comes to making any kind of laws they want for Landlords ?. Might as well call it another Bank Holiday, did people not have enough time off.
From:
Michael Foley
06 June 2022 08:55 AM
There was none of this before 2006 when landlords were in control of their property. Un-Regulation’s, HMO’s, 2015 de-Regulation’s Act, Criminalisation of Landlords, stupid exorbitant fines etc. invented sub-letting, sub-standards and over Crowding. Well done Mr Prescott you must be in line for a knighthood.
From:
Michael Foley
06 June 2022 08:36 AM
I suppose we all know in our hearts what Government’ Council’s are doing, its not about protecting the Tenants or the quality of housing either that’s simply the justification given. The real reason is to set up a money stream online for ever its massive and the Digital Tax will be part of the plan. All the Penalties are also already set up on their payment systems ready to hit you anytime the want an extra few bob, even the Monoxide detectors that some think we don’t always need has a Penalty payment Box. Virtually every requirement had a Penalty payment box easy peasy.
From:
Michael Foley
01 June 2022 20:00 PM
What’s never referred to is those people that are being housed by Council are mainly living rent free, if I was getting kept by Council I would be a model Tenant.
From:
Michael Foley
01 June 2022 09:58 AM
Its a lottery the big Organisations & Institutions are getting much more as well. I always remember the house in Rosemont Rd, Acton W3 that was paid for by Council to house a family for £12’000 pm, when similar houses were renting @ £2’500 pm !
From:
Michael Foley
01 June 2022 09:26 AM
Postponed only to later in the year. Welsh Government getting shaky beginning to realise it will cause housing sector go belly up, however nothing will stop the dreaming up more crap in the mean time. Regarding Anti-Social behaviour they have the totally wrong approach in law, simply prosecute the offenders not the Landlord who is often victim.
From:
Michael Foley
01 June 2022 08:33 AM
Exactly Steve it’s not tax Simplification, it’s tax Complication to further damage Landlords, there you are Consultation done.
From:
Michael Foley
01 June 2022 08:10 AM
Sorry no property appreciation just money devaluation. Inflation the highest for 50 years and tax is on that.
From:
Michael Foley
01 June 2022 08:02 AM
Why is it called Rent Smart Wales, maybe Rent Stupid Wales would be more appropriate. Amzac Estate’s says rents up 20% and Landlords driven up to wall, so they are not helping anyone. Clearly they have done enormous damage to Tenants in Wales making Rents more expensive and more difficult to find. Equally done huge damage to Landlords forcing up costs and driving them out of the Market, not very smart.
From:
Michael Foley
31 May 2022 19:44 PM
Robert very good, stick at it the next Robbie Burns in the making !.
From:
Michael Foley
31 May 2022 17:56 PM
Jason. Very good why don’t you buy, you shouldn’t have at trouble paying a Mortgage then, you are in for the shock of your life, count the costs do the maths and try again.
From:
Michael Foley
31 May 2022 14:17 PM
Bill, no problem we’ll put a Thermal barrier on back of the Wall Paper and heat them with Solar Panels.
From:
Michael Foley
31 May 2022 08:43 AM
Didn’t we have insulated Wall paper decades ago, called Cortina that worked very well for some situations and prevented condensation, then the Fire Brigade said it was a fire hazard ?.
From:
Michael Foley
31 May 2022 07:46 AM
Is this a new idea or rejuvenated I certainly have installed similar type of system over 50 years ago. The rolls of fibre glass insulation had copper looking strips spaced out already attached to the surface of the roll’s with terminals ready to inter link obviously low energy. It was a bungalow type house. Going back to the future ! its like a miracle they just thought of it.
From:
Michael Foley
31 May 2022 07:38 AM
Hi friend. Come on now lads take a step back that cannot be even when the chips are down we have to keep our composure, your on the wrong page, the Blind Beggar era of the 1960’s is well and truly left behind.
From:
Michael Foley
30 May 2022 20:21 PM
Wendy you probably can’t that’s the way it was before Section.21. Looks like we are going back there again. I had a a well healed family from Foreign parts, a Diplomat no less, 2 New Cars in my garage rent dried up, he told me he wasn’t paying and also said there was nothing I could do about it, which was true. How many times did I go to Habib Bank in Ealing to see if any money in !, no computers or mobile phones at that time. Isn’t that better for them than Right 2 Buy, (just give me one).
From:
Michael Foley
30 May 2022 17:20 PM
That’s the case already for me for years because it was made a liability not a protection. This is what they call protecting the Private Rented Sector more coming.
From:
Michael Foley
29 May 2022 13:09 PM
Paul, we don’t need a medication service that’s the last we want, piggy in the middle we are better dealing directly with Tenants than given them someone else to strengthen their hand like the sham of a Deposit Scheme, incidentally have you such a Scheme already set up. Government to allocate £300m more to Court Service god help us they’ll want double that back.
From:
Michael Foley
29 May 2022 09:14 AM
I agree letting Agents are very helpful and can take a lot of pressure off. The problem is the cost at a time landlords are loaded with other costs and requirements not least Licensing, Energy Performance Certificate’s and maintenance costs gone through the roof. To use an Agent in London the standard fee is 11% (to incl’ vat) for just find a Tenant Service never mind full Management if it was 5% it would be more manageable. We don’t have an open cheque book everything adds up to the point it’s not viable anymore, it seems everyone thinking along the lines that LL are all Mortgage free and it just fell into their lap. Andrew also just wondered about the Agent who made strike application.
From:
Michael Foley
29 May 2022 08:38 AM
I don’t know why NRLA are glad about reforming & strengthening Section 8 if they left Section 21 alone no need for any of all this upheaval. It’s not as if Section 21 was an easy process or fair to Landlords. Always needed a Court Order to end the Tenancy if the Tenants decided not to leave as per Contract, usually the Tenants were given the option to renew. However the only guaranteed way for the owner to get his property back was the Court route which was very unfair as only the Court or the Tenant could terminate the Contract. It was always go to cost me at least £2k legal fee to do this + invariably when you are forced to take this action payment of Rent stops. After all the Tenants didn’t need a Court Order to take up possession just walk-in off the Street and then complain they are being treated unfairly !
From:
Michael Foley
29 May 2022 07:56 AM
Kev. my friend that excluded most of the market and probably all mine, they won’t have £10k saving’s or £40k wage’s but the vast majority are working, honest and clean which is fine by me for most part. I think if they were that well healed they won’t be renting, not wishing to take issue with you.
From:
Michael Foley
28 May 2022 19:05 PM
A lot to do about nothing to achieve nothing. Paul everything you are looking for we had already before Shelter & Co took it away. So now we have post Brexit pre War situations not helping, Section 21 evictions were forced much higher in recent years making the situation far worse than it ever would have been directly because of the interference with S.21 and then the threat of removal which is now becoming a reality, those are the consequences of anti- landlord campaigners, Congratulations. So there was no need to remove S.21 and now having to replace it with S.8 that already existed, all be it a modified form of S8. What’s the point now another load of legislation, cost and administration to go back to the future, it existed before. How much cost upheaval, suffering, evictions and damage have those lame duck organisations caused. Surely it would have been better to ban them as they don’t provide any housing or at least remove their Charity status. Why on earth have they got the ear of the Government
From:
Michael Foley
28 May 2022 12:58 PM
Andrew, the way Its going now you have some chance of get six foot under, who’s going to dig the hole more likely we’ll be in an urn, so many doing it now., cheaper option. I don’t like that system really gone in a flash like you never existed, so better create merry hell while we are here.
From:
Michael Foley
27 May 2022 22:44 PM
They think fining Landlords £30k will improve things. They don’t know much about getting the best out of people and Its not giving them penalties. 5’000’000. renter living in poor conditions so the whole Country must be an unhealthy place to live with a stupid claim like that, how many times have I seen this photo are they so lazy they just use one from internet.
From:
Michael Foley
27 May 2022 09:21 AM
George, it use not be that way before digital technology, boilers were very reliable, same goes for letting it was much better before digital academics and their nonsense interference none of which they would be doing if it involved actual work. When I built my first house 49 years ago by my own hand, I put in the CH & boiler system to a Potterton 60/90 btu floor boiler it was their for 25 years until I decided refit kitchen, virtually nothing to go wrong just the odd thermocouple cost a few pounds every 6/8 years. Just vacuum it out once a year and use a bottle brush to clear out between the fins of cast iron heat exchanger, a far better service than they get now and no certification required. Its all so different now I am not even allowed to take off the cover leave that to the experts probably bend it taking it off or putting it back, although some are very good good.
From:
Michael Foley
27 May 2022 08:52 AM
I have been letting since 1978 and at that time I was letting 4 bed Detached house for £100. per week, which was why Section 21 was required that we fought for or none of you would be Landlords do you want to go back there again and impossible to get any fool to rent to you. I have never bought or sold without vacant possession. Its bad enough to acquire troublesome Tenants myself but I Certainly don’t want to buy them.
From:
Michael Foley
26 May 2022 22:05 PM
It seems we as Landlords also have to pay huge licensing fees, where as Registered Charities as I understand it have free Registration, that’s amazing + £60m + tax free income and then they got the nerve to keep attacking us. Their top brass on six figures Salaries but it seems they have nothing to do only attack us, that’s not a job so its unearned income.
From:
Michael Foley
26 May 2022 21:29 PM
It’s none of their Business whether we want to sell or keep or raise it to the ground, not their Property they are not buying it, it’s renting with no ownership rights claim to my property. How difficult is that understand. It’s also about time Gov’ made Registered Charity’s pay tax how about starting with Shelter. 40% of £60 million that will do nicely. They have no qualms about charging us 40% tax and we provide the property, what accommodation do they provide / nothing only attack those who do.
From:
Michael Foley
26 May 2022 21:04 PM
Dominic. I was thinking of Dennis Healey referring to been told off by Sir Geoffrey Howe Chancellor quite polite personality, eventually opening up on Lady Margaret Thatcher which caused her downfall, hence the turn of phrase from Sheep to a lion, we have to be careful not to upset the quite ones.
From:
Michael Foley
26 May 2022 14:14 PM
It certainly can take a long time to sell especially if in a chain which is vey likely. I was once in a chain of seven which broke multiple times and I was the only one putting up new money all others selling to buy and the chain couldn’t start without me, riddle me that. Regarding removing S.21 the removal of S.21 shouldn’t apply to multiple Sharers but retained for Tenants on one Contract when some leave obviously the Contract is broken, further when Contract has ended you are left with a partially occupied property where that situation can’t be viable or allowed to continue. Section.21 should remain for Households on shared Contracts, there is no way a landlord can grant them long term forever Contracts. They come and go to suit themselves and or is this encouraging sub-letting and happening already by making LL powerless.
From:
Michael Foley
26 May 2022 09:11 AM
A famous Politician’s saying some years back comes to mind, it like being ravaged by a sheep.
From:
Michael Foley
26 May 2022 08:33 AM
I think they mean don’t panic sell.
From:
Michael Foley
26 May 2022 07:04 AM
What’s another day another accusation about Landlords by the bashers who supply no housing and cause as much damage as possible to the Tenants they pretend to help. They are so desperate to bring the Recession forward but no need to worry its here, next they will be complaining that Landlords aren’t buying. The one’s that didn’t get on property ladder are the lucky ones. Those that did and got roped into expensive long term Mortgage’s are up against it, come on now Shelter & Generation Rent try giving the lenders a bashing and prevent them from recovery of the property see how you get on when they withdraw their services.
From:
Michael Foley
26 May 2022 06:59 AM
Rents and Mortgage’s are not roughy the same by any stretch of the imagination. My Tenants are paying £400. pm mainly in some cases substantially less, where do you get a Mortgage for £400. pm, not to mention the whacking great Deposit. Come on now please explain the ball is your court. The 35 year Mortgage’s as said now becoming very common.
From:
Michael Foley
25 May 2022 22:22 PM
Wow, Brian I disagree I have always given them good quality furniture & fittings but now the younger generation likes modern look so I give them IKEA. However a change in taxation letting allowance means most Landlords are now letting unfurnished (bad for standards) so I am surprised you found enough to survey & that goes for many B2R as well. Sorry did you say what Developer you work for, is your name really Hardboard no offence.
From:
Michael Foley
25 May 2022 20:10 PM
Another day another survey this time trying to sell letting inferior furniture to more Landlords which is all I have seen from those type of Suppliers. We won’t loose any sleep about this opposition with their Sky high blocks of Flats only (mostly) even though its not a level playing with their favourite Gov’ cronies. They are treated as a business and everything tax deductible, no S24 for them, no double Stamp Duty Land Tax for them as they won’t be selling, so much rub of the green for them. Their Rents are much higher than ours maybe we should be increasing our Rents because of the inferior competition multi stories up some even 50, people doing real work don’t need gyms when would they have the time. We have private individual properties for most part many with private gardens not communal or have they got any. Why am I even replying to this nonsense article from a B2R / B2L furniture supplier where have they been suddenly now the experts telling us what we should be doing, still wet behind the ears.
From:
Michael Foley
25 May 2022 08:14 AM
Jo. I turned this scenario over in my mind but can’t come to a sensibly conclusion although I have by told I should be doing this, that and the other yet have no confidence whatsoever in anything I have been told. Suppose I sell now and pay the 28% capital gains on the sale less original price & costs. Then even if I had given it away and died / or got hit by Jo’s bus, say after 3 years the huge Capital Gains that I have already paid is washed away and forgotten about. It will then come back into my Estate for Inheritance Tax Purposes on the whole at 40%. To me it looks better not to sell and pay no Capital Gains at all, obviously the two taxes added together is going to be more than the one tax at 40% at the end. We are held to ransom and crucified what ever we do.
From:
Michael Foley
24 May 2022 19:37 PM
Simon, yes it’s EPC + HMO Licensing + removal of Section 21, plus Section 24 removal of Mortgage interest, Penalties up to £30k on a whim, Double Stamp duty, Criminalisation of Landlords instead of Civil Procedure, a load of other Regulatory costs and Requirements. They really love us for Housing millions at no cost to them and contributing billions to the Treasury, they must be off their tree.
From:
Michael Foley
23 May 2022 21:55 PM
Good Heavens Robert. There’s no Capital appreciation, it’s ponzu money if the property went up 10% in a year and your money devalued 10% nothing gained but it’s much worse than that, everything costing you more, a lump of tax taken out annually for good measure, it doesn’t end there the more inflation continues it will incur you with capital gains tax on funny money, you will end up more money worth less than what you had, we still need our sense of humour even if it’s true.
From:
Michael Foley
23 May 2022 21:33 PM
Paul my friend we have licensing Schemes since 2006. The Council wants to push aside Accreditation Schemes now that it is well established and rebrand / take it over and have the money paid to themselves (all about the money) with this so called Tenant Support Package. Could they not have called it Tenant and Landlord Support Package, of course not silly me we are only the owners.
From:
Michael Foley
23 May 2022 15:25 PM
Edwin, correct but when gas engineer comes to do your annual check he won’t he won’t give you the Cert’ if you haven’t got one, also if they do a Service they they expect one to be present and usually have some on board their van for a modest price. They must have different remit to us.
From:
Michael Foley
23 May 2022 15:07 PM
Couldn’t agree more but we were doing it already. It strange that Regulation’s are introduced years after they were most needed. for example when there was old fashioned Boilers chucking away, now we have modern room sealed Boilers ?.
From:
Michael Foley
23 May 2022 08:37 AM
Emily, dearest when did any Council support Landlords. We are hardly getting started many are getting out.
From:
Michael Foley
23 May 2022 08:26 AM
So is all our Accreditation Courses that cost us hundreds now worthless ?. The Landlord, Tenant support package I note includes Charity providers looks like they are enlisting Anti-LL campaigners Shelter. Beryl, Sorry unfortunately no help for you, you are irrelevant only a Landlord it’s a Tenants Support Group.
From:
Michael Foley
23 May 2022 07:51 AM
What a song and dance about what procrastinating with about 350 words /14 paragraphs to tell us that. Most of us Landlords have been required to have them for years. I think with all the Big issues, outrageous costs and Regulation’s bestowed on LL’s yet you see fit to treat us like morons with this big long Article. Could you not simply say, Landlords will be required to have Monoxide detectors costing £20. There you are finished.
From:
Michael Foley
23 May 2022 07:15 AM
Mario, as I already said it was the other way around with Landlords Christopher (proved wrongly so) they got plenty of mileage out of that murder.
From:
Michael Foley
22 May 2022 10:25 AM
There’s no doubt we have taken some hammering its non stop endless attack we are the kicking boys. I am not going to criticise Max either he’ll see things the way he does which is fine. They couldn’t even leave the remnant of S.21 which was all that was left following Shelters 2015 DeRegulation Act when they failed with Sarah Tethers Private Members Bill just one aspect of what they done to us. Taking away our Deposits in 2007 & replacing it with a ponzu scheme now protect the Deposit itself and nothing protecting the property. How to Rent by Shelter none of their business forced into our Tenancy Agreement’s against our wishes and changed about 14 times since obviously didn’t know what they were doing, causing us to print & throw away multiple times adding to our costs. Right to Rent nightmare of Course. Taking away our 10% Wear & Tear, Section 24 tax Debacle. ICO Registration, Courses for Brownie Points/ Accreditation Schemes. Changing Civil Matters to Criminal and give us a Penalty up to £30k like a parking ticket but it’s not a parking ticket it’s a massive fine. Doubling Stamp Duty on Landlords that they now want to help out and take people off their hands. I leave all this stuff to one side for now. The main issue issues worrying LL right now are EPC’s and the high cost of Compliance. The Licensing Schemes costing thousands, Application fees alone in some parts £1300. + £50 per habitable room + compliance work £3/4k extra no exaggeration where’s the money coming from? what pays the lenders just add Rent Cap for good measure that should do the trick. The Removal of remnants Section 21 the straw that broke the Camel’s back, we don’t know the full details yet but we know the damage is done so much injustice.
From:
Michael Foley
21 May 2022 23:54 PM
Max, my friend fair enough if that’s the most ignorant comment you have ever heard you must lived a very sheltered life. Looks like we have acquired 11 million free loads you are very welcome to keep they all. Of Course the Bank’s have billions they have robbed everyone paying Zero to deposit savers but have no qualms about charging big interest rates and charges for people in trouble. Everyone is well Capitalised with huge debts. I am sorry for my ignorance its taken many years to acquire, Best Wishes.
From:
Michael Foley
21 May 2022 16:34 PM
Tenants had no Security of Tenure before the 1988 Housing Act, because there were no places to rent, you can’t have Security of Tenure when you have no where to plank your bumb. We Campaigned long & hard for years prior to 1988 Act to have a secure viable letting system, hence the 1988 Act that made you all Landlords and Housed millions of Tenants. Contributing billions to the Revenue & the wider economy that otherwise would not have happened and at no cost to the Public Purse, now you see fit to destroy it and and collapse the Housing Market and the real likelihood of a Recession directly because of this. There’s a lot more to this I can’t be bothered with your rubbish nonsense.
From:
Michael Foley
21 May 2022 12:28 PM
How can he love one and despise the other, then try to tell us he’s doing good for both, so dishonest,
From:
Michael Foley
20 May 2022 21:03 PM
Symmons, Banks & Lenders don’t have this problem they will always get vacant possession in a couple of months even though its not their property and not at serious risk. It’s your large Deposit or stake in the property that’s at stake. Their friends at the Council will look after them and help out. The special adverse treatment is reserved for us muppets.
From:
Michael Foley
20 May 2022 20:38 PM
When I Rent out a property it’s for the Contract Period, any extended stay is subject to a new Contract whether that be in Periodic form or New Tenancy signed. There is no automatic extension as of a right this is outside the terms of the let and cannot exist or there is no such thing as a Contract. This tin edge of the wedge that comes to mind getting their claws attached to ownership of your property. This is a kin to the other letting scam out there dozens of LL’s getting taken-in, Renting with Purchase lease option watch out for this out, there are high level Courses they take for this one. They take Landlords for some mugs.
From:
Michael Foley
20 May 2022 14:29 PM
Help to buy and no Stamp Duty is a fad and don’t help the buyers at all. This is like Enterprise zones of the past the Developers inflate the purchase price for themselves, knowing the buyer is now getting help .
From:
Michael Foley
20 May 2022 13:58 PM
They have the Activists to blame for their interference, meddling causing mayhem in the whole Housing Market, it must be clear enough to anyone with an ounce.
From:
Michael Foley
20 May 2022 08:38 AM
Dan, aren’t you the handy man with your Associated Activists causing Tenants so much damage, misery, stress, inconvenient and financial hardship, shame on you. The figures shows the group managed to increase Eviction Claims by 63% in a quarter. up 41% from same quarter in 2020, this all due solely to you group pushing for the Removal of Section 21. How can your Group of Associates hate Tenants so much causing them so much pain and unnecessary financial pressure. I think it’s disgusting that the Government lets you get away with this adverse Tenant campaign.
From:
Michael Foley
20 May 2022 02:40 AM
Very tragic situation RIP, Sonia & Edgar. There was no sub-letting ever ever before Regularity interference following the 2004 Act plus 2015 DeRegulation of private sector housing, removing all LL rights & excluding him from his property, (because there couldn’t be when he had the power to deal with it) what did they think was going to happen if not designed to do so. Spare a thought for LL Christopher who was wrongly accused of murder and took ages to clear his name, the media couldn’t help themselves as long as it was damaging Landlords no stopping them .
From:
Michael Foley
19 May 2022 09:48 AM
Yes everyone deserves a decent affordable home if they earn it, otherwise they deserves nothing. They don’t deserve it just because they were born and it’s not the job of another private individual to provide for them. When the State decides its going to nanny them from cradle to grave and make a rod for their own back it’s up to them but don’t expect a private landlord who has to finance himself to do the job of the State as well as pay for many other requirements and taxes.
From:
Michael Foley
18 May 2022 12:23 PM
C/tax the most unfair tax, great big adult families & extended related families, same c/tax as a couple and no licence required either, poll tax had merits only people who never paid wouldn’t pay, sometimes if a LL has rooms let in a property and gives them too many facilities the Council might put a band on each room, this don’t happen when they are all connected families.
From:
Michael Foley
17 May 2022 19:24 PM
I think it all a bit strange if you get permission for 6 Flats its great keep to that. Surely Building Control must be have been involved and stage inspections carried out + completion Certificate’s. Those are needed not least for his own benefit especially if he wants to sell at some stage, a bit more to this but I won’t speculate.
From:
Michael Foley
17 May 2022 16:47 PM
Exactly that’s what we were doing converting from Coal to Gas.
From:
Michael Foley
17 May 2022 12:52 PM
Edwin, maybe in the mean time they forgot to tell Sid, but if you still got the sharers you are in luck. I work indirectly with Contractor for British Gas back in the day. Cobham, West ,Byfleet, L’pool, Sheffield (only place to have 4 G.W’s), Sleaford and Boston. I seen a brand new Ford Anglina in Showroom in 65/66 for £625.00. Petrol was 4 shillings & 6 pence per Gallon (22.5 p in today’s money or 5p per litre, not £1.95 per litre. So we are getting taxed out of it on inflation.
From:
Michael Foley
17 May 2022 12:47 PM
Unfortunately if they can’t be passed on or absorbed it called bust.
From:
Michael Foley
17 May 2022 08:58 AM
They are trying to milk a dry cow.
From:
Michael Foley
17 May 2022 08:46 AM
Grainne, this is rubbish and exaggerated by a country mile. What kind of nonsense research is this and you the head, I wouldn’t have expected Zoopla not to be so anti-LL considering all the business they had from LL’s before switching against. How can you have research about the cost of renting without factoring in the huge on going costs of Regulation’s the main driver of high Rents. My Rents haven’t gone up at all but in real terms gone down. Say if I take one of my properties with 5 shares with a salary of £30k = £150k so according to you I should be getting 75k Rent pa instead of £18k pa, (some are getting 20k others 40k). So are my rents too low by a factor of 4 it’s nonsense of Course. On the other hand if someone wants to have a property all to themselves it may well costs them half their wages.
From:
Michael Foley
17 May 2022 08:30 AM
Andrew and the other cut, 90’000. Jobs to go in Civil Service, where on Earth are they going to get jobs, see the way he waited until Election was over before mentioning it.
From:
Michael Foley
16 May 2022 12:36 PM
2021 HE phone auto converts
From:
Michael Foley
16 May 2022 10:37 AM
HMO’s to me is just a big an obstacle as EPC’s, very little being said about this on here, maybe you haven’t been hit yet but when you have had to repeat every 5 years plus all the annuals connected to it. I have had to renew some 4 times (2006, 2011, 2016, 2011) and I haven’t being let rooms separately, perhaps you weren’t required to do any yet ?
From:
Michael Foley
16 May 2022 10:34 AM
Time to sell if you haven’t missed the boat. First time buyers keep saving when it crashes your turn will come, the one’s that bought already are stuck Everything Government is doing will make it happen.
From:
Michael Foley
16 May 2022 09:37 AM
Beryl. Stop worrying it’s not here yet until 2025 but I believe its 2028 for existing Tenants who pushed it back a bit further or I suppose if it becomes vacant get new Tenants signed up before it comes in, in 2025 they will then be exist Tenants. Stop worrying look after yourselves and enjoy your retirement.
From:
Michael Foley
15 May 2022 16:26 PM
I agree more with both comments above Regarding impoverishment and diesel cars it’s all to damage us. I now have to agree with the people who say it’s not a business because it’s a farce not a business. So if I have an unruly Tenant or becomes so as a result of removal of Section 21. It seems the only way to get rid of the Tenant that I can’t tolerate is if I want to sell. Therefore I will have to sell in order to get rid of the Tenant how ridiculous.
From:
Michael Foley
14 May 2022 20:25 PM
Andrew I am already hearing about problems. Single phase electric even electric Boiler 14kw is all you can put on it, what about everything else. I also know someone will Solar Panel doesn’t give very much then the neighbours put a similar system in. It’s complicated enough with inverters, large storage batteries and a loan of electronics. Then they over loaded the system and blew the electric Boards transformer. We probably need 3 phase for quicker charge. I understand using public charge points is expensive not all are free and won’t be for very long.
From:
Michael Foley
14 May 2022 15:51 PM
Section 21 has a disastrous effect already Tenants demanding what they are clearly not entitled to and this is only the start, I can feel it in my bones.
From:
Michael Foley
14 May 2022 14:44 PM
Shelters CEO’s Polly Neate is doing rather well on the back of LL bashing. From what I remember she took over from Campbell Robb previous basher starting on £126k pa who moved on to greener pastures on 158k pa at that time, now I read she’s on £132k pa. 6k increase lovely income from a Registered Charity, if you are genuinely concerned about the under privileged you Services should be almost free, many of the poor only have 6k pa to live on.
From:
Michael Foley
14 May 2022 11:32 AM
None of their business whether we want to Sell, Let, keep or rise it to the ground, we didn’t need or require their opinion, advice or get any financial support from them when we bought, what now gives them the right to call all the shots. Its private leasehold / freehold Property.
From:
Michael Foley
14 May 2022 09:50 AM
Reaper. I suppose when they are talking about it, it may as well be already passed just like Section 21.
From:
Michael Foley
13 May 2022 10:30 AM
I think their rejoicing will be short lived, with interest rates rising, removal of Section 21 and the back blow of sanctions of war, its not a good idea to have people attacking our economy from within.
From:
Michael Foley
12 May 2022 18:12 PM
The point is being missed here we very seldom have to use Section 21, we don’t have to because the Tenants knows its here, when its gone no restriction or responsibility for them you’ll see what happens it’s designed to create bad Tenants, when they can do whatever they like move out at anytime or stay as long as they like with a powerless clown for a Landlord.
From:
Michael Foley
12 May 2022 13:51 PM
Jim, you have changed your tune, probably more scrambling for your HMO rooms when they won’t be able to rent Flats or Houses as a whole because of this ruling. Looks like I’ll be forced to join with you to let rooms only so hopefully when I have a problem it will be a one room problem at a time, not a whole property problem with no Section 21, but I won’t be going around opening meters. This is a worse standard of Accommodation for the occupants with less flexibility and more expensive for them. I have 3 properties currently where there are Pregnancies in Shared Accommodation, one is having twins (god bless them). They all asked if they have to leave I said no work it out between yourselves if possible. Imagine if living in one room I have no doubt the system is the main driver here and they will become a Housing Priority. Government & Council’s seems like you are pushing through the wrong Bill.
From:
Michael Foley
12 May 2022 08:16 AM
What is it about all those people do they not understand it’s the Private Rented Sector Housing which means it’s Private. Privately owned and Privately funded not Public how difficult is that for them to comprehend. We have no recourse to Public Funds but now we are expected and being forced to act as Public Landlords with Private money.
From:
Michael Foley
11 May 2022 23:02 PM
Rogue Activists rejoice at destroying private rented sector. It was never an issue known to me where landlord and Tenants were at odds with one and other and in the main got on very well. Those un-Regulated Rogue Activists don’t represent Tenants, they are an outside element with they own agenda feathering their own nest. There’s so many lies in this Article it doesn’t deserve comment. It says Private Rented needs to be Regulated and we been one of the most Regulated Businesses in the Country with 160+ pieces of legislation already for goodness sake how can they get away with that. It says Tenants shouldn’t be asked to leave when they haven’t breached any Terms of the Contract but that’s the whole idea of having a Contract, when the Contract has ended they are out of Contract and can’t expect to have the rights and protection of the Terms of the Contract that has ended. I understand about Periodic if continuing by mutual consent same terms of Contract apply. Anyone would have thought the Government had enough on their plate enjoy the Recession Congratulations.
From:
Michael Foley
11 May 2022 07:07 AM
Ben Beadle approves this anti-landlord Bill. He is the Chief Executive of NRLA that is supposed to represent its Members he has no right to hold this office while agreeing with Alicia Kennedy ganging up against Landlords Rights. Disgraceful behaviour by our CEO and he should resign immediately. I will be parting Company with NRLA after 16 years of loyal service, even though Council are making it a requirement to be a member of a Landlord Association. I will be reviewing my Insurance Policy’s connected to this Organisation
From:
Michael Foley
10 May 2022 18:13 PM
Robert Snead, how can it be a sensible Bill have you taken leave of your senses, this is total disaster when we are governed by 160 + pieces of legislation already just add some more brilliant. As you say only bad Tenants get evicted in which case why remove the only instrument available to landlords to achieve this. It’s removed of owners freehold rights, why would any LL buy under those Terms unless you are a Benefit LL all borrowed up to house Benefit Tenants and Government finance the lot sit around and no HMO to worry about it will become yours at tax payers expense. Do they mean this June 2022 in which case it’s a impossible time limit to prevent LL’s from taking action, after they gave years kicking it around. This is a bit like like licensing Schemes it might take them several months to process the application (look at it) then only give you 10 days to respond when they eventually decide to respond to you. It looks like they are converting us into housing associations. I thought we lived in a Democracy but this is tantamount to confiscation. They think a Landlord should have the financial responsibility to lay his own money on the line to House others and hand them complete control as well. Have a nice day.
From:
Michael Foley
10 May 2022 13:40 PM
Mark, not currently when we have a Conservative Government that done us more damage than labour possibly could ever have got away with. It won’t take long to stall the housing market and collapse the economy, then they’ll be glad to reverse those Policies and the free living rollercoaster will be over.
From:
Michael Foley
10 May 2022 09:54 AM
Unfortunately it’s only me funding my HM0 Licensing Schemes as I have had no Rent increases in years.
From:
Michael Foley
10 May 2022 09:13 AM
So if Government wants is spend billions building more Council houses, how many more billions to keep them in those houses in which case why should anyone be daft enough saddled with Mortgage’s.
From:
Michael Foley
10 May 2022 08:32 AM
Her Majesty should use her speech opportunity to remove Mr Khan. How many millions of our C/tax in he talking, even on each of mine he’s getting hundreds pa. As previously said its not a Rent freeze but a Rent cut just like each Regulation is a cost / a cut not least licensing Schemes (£10k + this year for me licensing renewals) and we are expected to absorb all costs. A Rent Freeze should mean Rents don’t go up or down so should be indexed linked to inflation to be a Freeze otherwise a it’s big cut. Some of my Rents haven’t gone up in years (one in particular is 20 yrs) which means I have had massive cuts already + ever increasing costs and the propaganda media machine wants to tell me I had a huge increase this year alone.
From:
Michael Foley
10 May 2022 07:55 AM
I like the headline Politicians to shape the future of PRS. They will take everyone’s view’s into Account except the owners of the Private Rented Sector. Edwin is absolutely right millions of Landlords have to do tens of millions of hours extra unpaid of work & administration since they started all this anti-LL campaign not least George Osborne attack 2015 /16 increasing taxes, costs, doubling stamp duty & local Authorities licensing Schemes where we pay them for the work we do.
From:
Michael Foley
08 May 2022 09:44 AM
Repairs are always done as soon as aware but usually caused by the Tenants, it very seldom charged to them. Is this Another Insurance Company expert on Private Letting, where have you been while we struggled to survive and create the business that now exist, you have no right it’s not your business you are another that lives off out backs now that what’s input to Shape the Law going forward. There’s is no need for Renter’s Reform Bill other than to scrap the 2015 DeRegulation changes and restore Section 21 to it’s 2004 status, that shouldn’t be too difficult for you lame ducks just reinstate to its proper function. A small effort to stem the flow and reduce the impact of Recession.
From:
Michael Foley
07 May 2022 12:45 PM
Many of those Build 2 Rent Companies were born on the back of the 2004 Housing Act. So now they are all high & mighty and want 3 years Tenancies, obviously we all do want stable Renting but not imposed long term Contracts as of a right. I remember those type of Companies as being no strangers to the Auction Rooms where many of them are coming from wheeling & dealing on the back of Section 21 in recent decades without which they couldn’t have done it. Now I’m alright Jack I’ll on a different level and can do this forget about my roots. Many Tenants only want 6 months or a year are you saying it has to be a 3 year minimum Contract or are you saying they Tenants can walk at any time they like, in which case 3 year Contracts are irrelevant, please clarify.
From:
Michael Foley
06 May 2022 11:03 AM
Assured Shorthold , (phone changes it own way).
From:
Michael Foley
06 May 2022 08:41 AM
Stephen. Stay as long as they like which is the current situation in the main where most Landlords are concerned. However the main point can’t be ignored, it’s stay as long as you like as per Assured Shorty Tenancy Contract or extending Periodic period by mutual consent. That’s totally different altogether to the proposal of stay by right by of Tenant to the exclusion of the owners, no right to control of his property.
From:
Michael Foley
06 May 2022 08:36 AM
James. We at not complaining about about making homes liveable ours always was. The gripe I have we do all the work and finance the whole operation. Then pay the Council’s the penalty for everything we did, like £1550. License Application fee just to sit there Judge & Jury.
From:
Michael Foley
04 May 2022 15:55 PM
Catherine. We have a London Radio Station at the same drivel non stop in recent years saying how terrible Landlords are giving all one sided view, & on about removal of S.21, so much propaganda its more quite recently but it took the War to stop it, that keeps them busy now.
From:
Michael Foley
04 May 2022 12:23 PM
We have the heart tore out out the letting business, some properties are under occupied because of anti-LL regulation’s I could house another 20 in existing properties. I don’t know what they are making rules go.
From:
Michael Foley
04 May 2022 12:11 PM
I have a house that was a C but now a D because a renewal Certificate was required after 10 years. However the Tenant made such a song & dance about access when it could be done. I was not present and she followed the Accessor around even poking her head into the loft (she was dodgy on the ladder to) anyway a major item was missed the interior of all external walls are lined with Insulated plaster board and skimmed,
From:
Michael Foley
04 May 2022 10:17 AM
Say if you buy a property for £5000’000. how many years to get back the stamp duty you paid alone. Bearing in mind its money you had already paid the tax on already and you haven’t even considered your lenders repayment yet or Regulators Compliance costs, Grainne please tell us and when it goes belly up where do we get all this imaginary money from ?.
From:
Michael Foley
04 May 2022 10:01 AM
Zoopla says Landlord hit with higher Stamp Duty which is true. However it talks about the £125k threshold but there is no threshold for Landlords SD tax I thought it was 3%, does anyone know !. Also hit with Section 24 tax on the double as you cannot claim your proper interest relief for tax purposes, therefore also pushing many more Landlords into the higher rate income tax band of 40%.
From:
Michael Foley
04 May 2022 09:16 AM
Mr Ben Beadle those are your views not the views of NRLA Members. I am a member from 16 years but not NRLA but NLA before we were nobbled & amalgamated with RLA that unfortunately imported you. The big long letter amount to nothing as you are in favour of Scrapping Section 21 which is the one thing you should be standing up against, you don’t represent me as a member. Although your letter contains at least 8 additional separate listings of new rights that Tenants have that were not part of the 2004 Housing Act which brought in Section 21, do you think it had not been depleted enough already which included Shelters 2015 DeRegulation Act when they failed with Sarah Teaters Private members Bill without scraping it altogether. As long as your letter is it didn’t mention any new found Rights for Landlords’s, all the list are extra new Rights for Tenants undermining Section 21, obviously you couldn’t because there isn’t any for Landlords and you are still braying to get rid of Section 21 you don’t represent your members .
From:
Michael Foley
04 May 2022 08:13 AM
And more importantly they are removing Landlords’s right to sell your property vacant, you must jump through hoops dreamt up those who’s property its not, so their view is more important than the owner. What ever happened to the term Private Freehold Property.
From:
Michael Foley
03 May 2022 14:06 PM
Grumpy Doug, you are right when she comes we Clip Board she won’t know where to stop, have you all fire doors self closing, inter linked fire alarms, emergency licensing, if you have more than 5 you’ll need another kitchen sink, another cooker, another Shower & toilet, security retainers on windows to stop kids falling out but not lockable as key might get lost, on the other hand all windows must be lockable, 3 coats of special fire protection coatings on kitchen units near cookers, make sure you stair case soffit and sides are up graded to fire proof, all doors lockable from outside but un-keyed openable from inside, hang the notice Board in correct place I had to move it from living room to hallway, fire proof hatch to roof, make sure you have all the Certificate’s, plenty more, if she has to come back £85. per hour,
From:
Michael Foley
03 May 2022 11:08 AM
The Carbon Footprint of the property will be vastly reduced in the coming years EPC or not. The huge costs of Gas, Electricity and Oil coupled with general costs of living, food prices gone through the roof, basics like milk gone up 25 / 30% some are even using metric containers so your 4 pints is now 2 litres (smaller size). Our pockets will reduce Carbon Footprint far more than EPC, we are going to be travelling less as well.
From:
Michael Foley
03 May 2022 09:03 AM
Sorry was it CBE ?.
From:
Michael Foley
02 May 2022 07:05 AM
Private Landlords have huge increase in costs too by local Authorities Licensing Schemes, have to bear all Council’s costs, their own associated increase administration costs and Government Regulation cost of Compliance. Huge increase in costs of maintenance and loan interest increase at a time of rent arrears plus Section 24 & increased threat of removal of Section 21 loosing all control of your investment. Maybe it’s not only Renter’s that are affected and have to choose between heating & eating, anyway its a bad choice better do half of both it will help with the over weight problems if nothing else, time to give Landlords a break and call off the hounds. Incidentally Polly go her MBE after a few years of knocking Private LL’s and getting well paid, where’s mine.
From:
Michael Foley
02 May 2022 06:59 AM
My goodness after all the clammer to get rid of it someone now wants to tell me it will make no difference, in that case why get rid of it. Of Course it will make a difference and the potential to collapse the letting market and cause a recession, most likely to happen anyway. Just another attack on private Landlords to go with all the other requirements plus outrageous one sided licensing Schemes costing tens of thousands for may LL’s, add double SDLT. Deposits disaster Schemes, Removal of 10% west & tear, Section 24, Right 2 Rent, Shelters How 2 Rent changed about 13 times, Accreditation Schemes, etc. It makes no difference to me what they do I am held to ransom and no options available, if I sell 28% Capital gains on Inflation which is far worse for me because of being long term LL. Then at my age taking into account the hardship of past career they won’t have too long to wait for another 40% Inheritance Tax on the Balance. What’s the point of it all so sorry for ever being a Landlord and the thousands I put a roof over their heads during 43 years, then some one wants to tell me a major adverse shift / change in policy makes no difference. Also I wonder how many HMO licensees he has got, has he got any or he wouldn’t be talking rubbish.
From:
Michael Foley
01 May 2022 16:56 PM
Don’t look on twitter Irish Landlords looses it. when door is broken and no rent, he’ll get a stretch, total disaster !.
From:
Michael Foley
01 May 2022 12:59 PM
George I’ll tell you what’s hard to believe I had to have two more HM0 Licence Applications made yesterday and pay someone to do it, even though I had licensed them twice before myself by paper app’ now a nightmare & so difficult to do. Its all tick boxes that won’t allow you to tell it how it is and up/loads. That’s Saturday am wasted & I am £3’000. lighted for the honour of Compliance requirement + I haven’t received the April Rent they preferred go on holiday and the rent on this house hasn’t increased in 20 years. Take money devaluation and inflation into Account for 20 years + licensing yesterday & 2 previous occasions. It appears the Council has sub-let the process to another Website Company that hates LL’s evidently from their literature and because Council are not capable of doing it but I am required to do it ?. When you have to apply you’ll all find out best of luck.
From:
Michael Foley
01 May 2022 07:19 AM
John spot on, I have some away on holidays in foreign parts but Rent outstanding, they shouldn’t have the option of spending Rent on Holidays, but it’s what Gov’ wants to let them manage their money / my money.
From:
Michael Foley
30 April 2022 14:37 PM
I don’t see it as a shortage of Social Housing more an over Supply of Benefit Claimants created by the Benefit System. I now see a Third Generation of Benefits Claimants, it’s has become expected never knew any other way, their right handed down from parents & grandparents.
From:
Michael Foley
30 April 2022 08:27 AM
The Public Accounts Committee has 6 more recommendations for the White Paper to give Tenants even more rights which is impossible as they have far too many rights already, they are so full of crap why are they in a job. Simple they are bringing in Corbyn / McDonnell Policy’s the difference is they told us they would take the Property off us. When Section 21 is gone you’re Property is gone, Right so if you buy a Terraced House in West London which I doubt you’ll ever have it paid for £500k. / half a million £’s, you are committing yourself to years of financial risk, plus loads of other costs, like Insurance, maintenance, possibly licensing and loads of Compliance’s that carries huge financial penalties, Then a guy comes along pays one month’s Rent, can stay forever and have more rights than the owner. A Tenant would need to be some fool to Buy a Property, It will be a big Collapse, it’s corruption at the highest level.
From:
Michael Foley
29 April 2022 18:49 PM
Yes but highly dangerous and not advisable.
From:
Michael Foley
29 April 2022 15:40 PM
At last I find myself agreeing with Jim. I had a County Court Judgement for a year’s rent but never received a penny only a big Bill + VAT for legal costs. Then I discovered he don’t it again in the next place when I had him traced by his car through Swansea with the aid of the judgment otherwise they tell you nothing, That’s you’re lot for today I must do so work.
From:
Michael Foley
29 April 2022 07:34 AM
No surprise here we have known and suffered this. I had a girl paying half for long period in pandemic in house share / £200. pm to the annoyance of her other house sharers paying £400. pm, guess what she then moved out and purchased with her boy friend, great way to save. Removal of S.21 it will be wide spread. Landlords in the main don’t go to Court when you see hundreds of £’s for VAT on your Legal Bill, that should be the cost of whole process not Thousands more as well, so we have to buy Justice. Remove S.21 watch your Capital acid devalue.
From:
Michael Foley
29 April 2022 07:04 AM
Jo, don’t agree Jim is leading you up the garden path. The whole Rental Business is based is based on Section 21. Before that the was no Letting Market it has now created 2.5 million Landlords housing a quarter of the population how successful is that and you want to destroy it. As previously stated on here before S,21 you had sitting Tenants halving the value of the Property because they all were if you took them in they immediately became a sitting Tenant. When I was a Renter living in a Room I couldn’t get a Mortgage so I bought a plot in 1972 and Built my house by my own hand which I still have. I didn’t build it for someone else go and get their own. Same goes for any Property I bought I didn’t buy it for some one else, do the words Private Freehold Property not mean anything any more. So you ideas is putting the Tenant on a par with the owner can you justify that please. Ok let’s see the comparison I had to save for the site, pay for Architect, surveyor, Council fees, dig foundation’s, drainage, concreting, over site and I haven’t started to build yet, so if I were to list all that’s involved we would have the huge specification never mind the finance, have any of you got a clue. So you want to tell me the Renter that comes along and pays 5 weeks Deposit & a month’s Rent moves in should have the same rights as the man that done all this, what a comparison some difference in input. Incidentally I don’t take Deposits so it’s only one month’s Rent to be house for ever, Brilliant idea !
From:
Michael Foley
28 April 2022 22:38 PM
I don’t smell the roses but I think I smell a rat.
From:
Michael Foley
28 April 2022 18:23 PM
Big Daddy HMO you are at it again Jim, as I understand from before you are a HMO based Room Landlord so you are not letting the property as a whole but piece meal letting like the bedsits of the ‘60’s, your only concern is the get the room rent and empty the room meters weekly as you have advised us before. It is often the case those room LL’s are borrowed up to the eye balls with dozens or hundreds of Properties operating on cash return, nothing to loose it’s all just done on borrowed tax efficient finance, if they get a problem or two it doesn’t matter too much because its only a room here or there then they are off to Court with Section 8. Regular Landlords have far more to loose as often when there a problem the whole house or Flat is out of commission, not having income from other rooms in same property. Jim you don’t need Section 21 for most part you are dealing with one or two at the time and if they can’t pay you take them to Social to get Benefits, that’s no use to me I let property whole and I am a landlord not a Social worker. So you don’t need Section 21 fine keep out of it, we have a Regular whole house Business to run that’s based on S.21, of which we fought for, its implementation for the 10 years prior to 1988 Housing Act, when no letting was available and HMO’s not heard of for another 18 years after that so now you want to turn the whole thing it it head as if you are an authority on Section 21. Nice to hear from you.
From:
Michael Foley
28 April 2022 18:19 PM
Market Boom Forecast it could be Zoom & Bust do they understand the Economic Situation and the impact that war is having on us.
From:
Michael Foley
28 April 2022 08:57 AM
Brain, while I have the greatest sympathy with your situation it not the remit of Private Landlord to compulsory provide anyone with Social Housing. I used to be a Private Renter too no one gave me anything. I had to work, save and Plan for my future in more difficult times, no offence.
From:
Michael Foley
28 April 2022 07:50 AM
Oh, dear so now the head of NRLA wants to work with Shelter who supplied no Rental property & hates Private Landlords’s how about working with us instead of the opposition. They say they want a System that’s fair to both Tenants & Landlords’s but we had that before the 2015 Deregulation Act. Any System that prevents the Owner from getting his Property back is not fair or acceptable. The Lenders who are least affected don’t have any such recovery problems, the owners always stand to loose his big chunk of up front money, so the Lenders are at least risk and fully protected and we don’t have any even though we are the main player’s, just revert the Law to stop the unfairness.
From:
Michael Foley
28 April 2022 07:07 AM
Dominic is right they don’t give a fair view of the minute percentage of millions of Private Landlords out there. It only takes one Rackman and they brand us all rogue’s.
From:
Michael Foley
27 April 2022 21:17 PM
Shelter & Co are causing a lot of trouble at Mill.
From:
Michael Foley
27 April 2022 19:45 PM
Shelter has no mandate to comment on Let Housing they don’t supply any, why on earth were they invited to Parliament Select Committee to advise on Housing Policy. There maybe a rush on S.21 to get out thanks to Shelter and the likes, do they think getting rid of LL’s making less property available is going to solve the Homeless.
From:
Michael Foley
27 April 2022 07:21 AM
We now have an unsustainable economy over burdened by Regulators & Tax. As a Landlord to get rid of Rubbish in Ealing invariably you have to get a Skip and its usually the Tenants rubbish. That costs you £106.00 to the Authorities for a standard Skip. The Skip hire is £280.00 + £56.00 VAT + £50.00 licensed = £386.00. Come on now Ealing this is not Cricket, when I Built my first House in Ealing the Skips cost me £7.00 each from John Swann, Sunbury with a proper Receipt. Is it any wonder you are full time collecting fly tipped rubbish in the Borough you greedy people.
From:
Michael Foley
27 April 2022 04:43 AM
sad Landlords, yes I remember those years as well as 1980. Suppose you bought for letting in 2007 in West London a Terraced for £300k the price has almost doubled £600k but so has everything else, where’s the profit it tax on inflation. Taxes will have been paid on all income in the intervening years and absorbed a great deal of others costs and hard work incl’ the extra you paid to Bank in mean time. The value of the pound has halved so you are paying c/gains on one half but if everything had stayed the same you’d be getting back a solid £300k and no tax, so you are paying tax on the lost £ value or so called inflation.
From:
Michael Foley
27 April 2022 01:58 AM
Jo. That’s very true makes far better sense. However the problem that they now have created is Section 24, so it would be necessary to have a Company for this purpose also bear in mind it will belong to the Company which might have other implications.
From:
Michael Foley
26 April 2022 15:55 PM
Renter’s Reform Bill, take note don’t forget to add Married Cats, as well as all the other stupid ideas you have.
From:
Michael Foley
26 April 2022 08:24 AM
Amazing how Landlords are treated differently in parts of the Country. Why is it the case in some parts of same Country laws apply to some and not to others. It’s one thing for Councils to exempt themselves, Housing Association's or possibly a dozen people living together that have a remote Family Connection. We now have a Situation where some LL’s were never required to have a License or even knows what it is even though their returns are £ for £ double/ tribble ours. We have had to License in 2006, 2011, 2016 and now again that 4 times while others never had to comply with this burden, surely everyone in the Country should have been required to get Licensed before anyone was ever required to License for a second time. We are all unequal before the Law.
From:
Michael Foley
26 April 2022 06:18 AM
Jo. We have I believe restrictions on Houses of Multiple Occupation to prevent too many in a given area, in the shape of Article 4 where Planning Permission can be required, so why not for Airbnb or is it because they have taken over in scores of other Countries and dictating what Governments Policies should be, they are not Elected Representatives and not their remit to tell Government what laws to make.
From:
Michael Foley
25 April 2022 22:00 PM
Max, this is it exactly the removal of Section 21 is to prevent you getting your own Property back and making it illegal to do so, it will make previous Recessions look like a boom, removing the very foundation the whole industry is based on. I know what it was like before it was implemented virtually zero Property available to Rent and only a handful of letting Agents in London not like now at least a dozen in every Borough a real Landlord money spinner for the Government, Councils and Revenue plus the Thousands employed in the Business creating Billions of £’s per annum for the Economy with no input Financial of otherwise by them. Do the Government not know when they are on a roll or have they got a Treasonable death wish.
From:
Michael Foley
25 April 2022 21:27 PM
No she don’t disown Landlords but wants them all for herself. I have Commented on this yesterday in previous article Amanda Cupples the General Manager of AirBnB Europe, backed Government in proposal to Remove Section 21, very big of her when Short Term let’s don’t need the Protection of S.21. Also going to drive Thousands of even more Landlords into her clutches of Airbnb, get it right another parasite.
From:
Michael Foley
25 April 2022 06:55 AM
So you tell us about 9 key Changes affecting Landlords this year, how much more crap can they come up with, so its not any different to previous years, Incidentally No.4 of your 9 is wrong, its not the 1998 Act but the 1988 Act, jut thought I would be first to Comment given that 3’000 people have read it and didn’t think it was worthy of Correction, bad enough for a gom like me to get that wrong .
From:
Michael Foley
25 April 2022 05:03 AM
Short memories indeed only 2 years ago when Covid struck and Airplane’s stopped flying the AirBnB Landlords were glad to switch back to Regular Lettings causing problem problems for us but now they are on a roll back to AirBnB again while we were always there with Regular sustainable Renting despite being unfairly treated by Statute.
From:
Michael Foley
24 April 2022 12:59 PM
Step forward Amanda Cupples General Manager of AirBnB Europe, another one for the band waggon calling for the removal of Section 21 who are all about Short Let’s so don’t need the protection of S,21. Its disgraceful behaviour by her trying to win favour with the Government to help her to win favourable terms in the Renters Reform Bill. Also another agenda going on here the removal of S,21 will drive thousands of more Landlords into her clutches. Further damaging the Rental Market for Regular Tenants who wants stable Accommodation for one, two or three years as now . The Government has said they want longer Tenancies, a fat lot of good that is when LL’s have been forced to switch to AirBnB taking with them the Stock that would otherwise be available for Regular Renter’s, creating a scarcity. She has so cheek.
From:
Michael Foley
24 April 2022 12:25 PM
I am so busy lately didn’t get a chance to catch up on all the blogs. NLA was better before joining RLA and the guy in charge so fun of himself. I think they now have sidelines self interest or maybe connected subsidiaries like Insurance, Deposit Schemes, Accreditation Schemes and now pushing for Landlords Redress Scheme when they have Paul already signed up, a Company ready to go offering free initial Registration to get it up and running off the ground, do they not even know we are snowed under with bull sugar. We have a better chance currently dealing with directly with the Tenants to resolve issues, the last thing we need is them piggy in the middle. What they are going to do is gain extra concessions from the LL’s to take another hit. Certainly Tenants are not going to be coming up with more cash if this was the reason for conflict in the first place.
From:
Michael Foley
24 April 2022 07:31 AM
I don’t know if its unrecognisable from before the 1988 Act but Certainly unrecognisable from when the Tories got installed, they have done everything in their power to destroy PRS unbelievable even Labour couldn’t have got away with it and Conservative’s supposed the Champion of Private Enterprise.
From:
Michael Foley
24 April 2022 01:30 AM
Sorry about a couple of wrong spellings this HE phone does this, too small I don’t have to time for proof read.
From:
Michael Foley
23 April 2022 08:09 AM
I have had my share of bad experiences with Agents but not knocking all. I have one property with one Agent only for last year because of all the red tape making it impossible to manage anymore it’s taken me over 40 years to achieve this status congrats, so now I won’t fit & proper anymore. In the past I have had Agent hang on to my rent for 7 months when I visited the Tenants they had transfer proof they had paid, they thought I was hooked like them but soon found out otherwise, I did get it back after a battle. I had Agent take me to Court over renewal fee the issue was when I visited the property I do recognise any of the occupants and no one on the Contract no long lived there, so in essence I had no Contract, they lost but I still had a problem to sort. Another one they went Bankrupt owing me several months rent as well as other LL’s and Tenants alike. Another one disappeared with Tenants Deposit & Rent for a house belong to me that they didn’t have t rent, when they arrived at the property to move in, my existing Tenants rang me to know what was going on. They went back to Agents Office opposite Ealing Broadway Station which they found permanently closed, it made headlines on local rag. The financial point about using a Agent in London when our Rents are below market rate, it cannot stand the extra 9% cost plus the huge 20% VAT on the Bill, given that we are already hit for Thousands Regulatory and Licensing Schemes requirements.
From:
Michael Foley
23 April 2022 08:03 AM
Simon, careful now why are you complaining about lack of inspections. Did you know some Borough’s are already charging £85. per hour or part there off for inspections. I can see this becoming main stream you won’t be able to keep them away. This is additional to licensing charges ?.
From:
Michael Foley
22 April 2022 18:27 PM
Not just the £14m raid on private LL’s in Co Durham for Council’s Website Computer click button Administration operation but possible that will be sublet out as well as in other parts because it seems their not capable but we are expected to do everything. £14m for Council Administration but Zero for LL’s Administration our time is free labour. £14m is the tip double that for the Compliance work at least so shall we estimate that to £42m approx’. now that should really help make rent unaffordable for Tenants, who they pretend to be looking out for. hmm.
From:
Michael Foley
22 April 2022 07:56 AM
Jo, well put a complete range of tenures to suit all ages and lifestyles. A level field and not Discriminatory rules like we have now and Licensing Schemes to drive up Rents making property unaffordable to Rent. The type of person you to Rent to now is a deciding factor whether you need a license or not, disgraceful behaviour by local Authorities surely their aim should be the quality of the housing for all, and not based on who you let to.
From:
Michael Foley
21 April 2022 18:34 PM
Mark, great idea Mark do you you think we give 2 hoots, you keep them all, I always earned my living and never depended on letting to keep me. I had nothing & earned my money contracting initially to get property unfortunately my taxes still go to keep them. Why do anyone think private Landlords should put up with this level of abuse, least of all from lame duck Organisations that do nothing only moan about those who do.
From:
Michael Foley
21 April 2022 08:03 AM
A big long story that could be covered in a few lines with very little relevance or help for LL’s and as it says if S,21 is removed it’s nothing. They didn’t say keep the remnants of S.21 which is all that’s left. This Certificate issue was not originally part of S.21 at all but added on years later like several other things added, now a big deal and waste Supreme Courts time just to remove one grain of salt, while plenty more attacks planned on us.
From:
Michael Foley
19 April 2022 07:05 AM
Andrew, not that simple to walk away when they are the brokers to Insurance underwriters for huge numbers of so called LL specialist insurance that we are now required to have. Also insurer’s of the Deposits Schemes, they have taken our real Deposits away from Landlords. Now at it again encouraging Government to include Landlord Redress Scheme in white paper and already set up offering free initial LL registration to get roller coasters started, how much more red tape, costs and time wasting are we supposed to endure for them to create new industries for themselves to live off our backs. I understand they run a Accreditation Scheme to teach us how to suck eggs their way our 40+ years of experience counts for nothing it really takes a long time to become non-compliant and branded Rogue’s. I think they now have incorporated the Landlord eviction Service so that won’t be Independent anymore ?, so Andrew not that easy to walk away and they are working for us hmm !.
From:
Michael Foley
15 April 2022 07:54 AM
Stephen. I don’t think they can blanket a whole area or Borough with Selective Licenses but they can Select 2 or 3 wards it’s a limited to a percentage of Borough, Anyway it makes little difference as they get you with Additional & Mandatory licensees to cover whole Borough depending on the type of person you let to, so it is Discrimination. It was a sad day NLA joined up with RLA and end up with this guy in Charge supporting Councils against Landlords, imagine that if you hired a Lawyer and he sided against you this is the same, Yes Stephen George Osborne done so much damage then ran away, after add 3% effetely doubling SDLT, now Editor of Newspaper, just add John Prescott labour Deputy Prime Minister the Architect of the licensing Schemes, I can’t think of one Council or MP that’s done anything to support us landlords and when your ceo born with a silver spoon in his mouth is not fighting our corners what chance Howe got.
From:
Michael Foley
14 April 2022 21:39 PM
We have been had, it seems everyone supposed to be there to help us are not helping but damaging us and carving a soft lucrative business for themselves for sure Its plain to see. don’t need to spell it out.
From:
Michael Foley
14 April 2022 19:08 PM
The Tenants are getting a fantastic unrivalled service, washing machine, fridge or freezer breaks down replace same day or next day, no use waiting for insurance schemes or guarantees to fix with their all day call then can’t fix. Recent Eunice Storm 8 holes in roof where tiles got blown off plus 9 hip ridges gone + flat bay roof felt ribbed off. All fixed next day despite Storm Francis hot on the heels Eunice. Where can anyone get better Service than that, they are talking through their hat.
From:
Michael Foley
14 April 2022 13:23 PM
Amazing, where is the shortage of Housing ? yet just Building thousands of High Rise Flats willy-nilly. I seen a Local Agents website today saying they have 920 properties for Sale, you would never suspect this, on further checking I see 5 on one road and 6 on another that I know very well. However only one Board up is this a new trend or more stupid Planning Restrictions. Maybe like covid 216 died in London last week from this not a mur-mur.
From:
Michael Foley
14 April 2022 12:08 PM
Jo. Well I suppose if its a pitch roof the Apex roof is going to be obvious from outside loft hatch or not. Yes most flat roofs were cold deck with the insulation between roof joints below deck but had to have air flow ventilation so not as efficient as warm deck. Warm deck had the insulation above the roof deck generally and no ventilation required, it should be easy to establish by the extra thickness of the roof make up. However you can have a warm deck without putting the insulated on top if you use purple deck type roof sheets for flat roof, which is the 100mm / 125mm celotek foam type insulation which has 6mm ply sheet pre-bonded to it, in this case it can go straight on top the roof joints and put the roof felt or whatever on top. I had a house also with solid wall that I had completely done up that had a “C” because I had lined all internal with Insulated Plaster Board and skimmed, That was 10 years ago this time I got a “D” because I wasn’t there and the Tenant showed him around. I did ring him to no avail he said he knows them type of house are not cavity wall, there you go when it has been issued I don’t know if they can change it easily as it will be gone on website to authorities etc.
From:
Michael Foley
13 April 2022 18:53 PM
Max, I agree with much of what you say which is true, the bit I am struggling with many Council houses were sold off to the occupier and the only restriction on them at that time was they wouldn’t sell it for 5 years and thousands did, so at that time the Council’s weren’t interested in buying them back or enforcing the buy back clause if indeed it existed at the time, you can’t buy it back from the guy that has already sold it.
From:
Michael Foley
13 April 2022 13:59 PM
I had better properties for the two and half decades prior to the 2004 Housing Act. How did we manage before all those Regulation’s we took pride in our properties and to attract good Tenants. We now have to provide finance to create hundreds of thousands of jobs for Regulators and Council staff in suits to play with their Computers and damage us. Computers is the worst thing to happen in my lifetime, if they didn’t have this Technology half the nonsense wouldn’t exist because it would involve them doing actual work no hope of them doing that.
From:
Michael Foley
13 April 2022 13:43 PM
Max you are very fortunate to have lived in 6 subsidised properties. I always had to pay full whack without any help from the tax payers. I agree sometimes social housing is better kept if they are dressed up in clean clothes all the time as apposed to working clothes.
From:
Michael Foley
13 April 2022 12:56 PM
I suppose when we do know its too late and a mad scramble to comply with EPC’s. I also think the fee structure for M,HMO applications is very unfair for small HMO’s. West L’don 2 habitable rooms, (living room can counts as habitable if you got one) £1’300. + £100 = £1’400. = £700. per room. Large HMO’s say 10 rooms £1’300. + £50. per room = £1’800. divided by 10 = £180. per room.
From:
Michael Foley
13 April 2022 11:31 AM
David, all my rents are affordable for working Tenants. I understand what you are saying about the legal system. I have said many times keep clear of the Courts it’s hugely expensive for both parties, better to try and resolve any problem directly with your LL, I am sure Court is the last place he wants to be.
From:
Michael Foley
13 April 2022 10:09 AM
Come back Mr Richard Lambert the ones running the show now have alternative agenda.
From:
Michael Foley
13 April 2022 09:21 AM
Another unjustified attack on private LL, generally private LL’s property is in better condition and better kept than Public Sector housing. Now I see a west London Borough paying £40m for 200 new one & two bed Flats, (one bed offered for £325 pm rental) so the one bed will be one third of market rent and 2 bed for one quarter if I can believe my eyes, good old tax payers of which private LL’s contribute £billions to the Revenue so now we have to complete against our own taxes we pay. I expect the usual criteria will apply least you contribute or nothing will enhance your entitlement, at the same time Council’s looking after Big Developers building a glut to take them off their hands.
From:
Michael Foley
13 April 2022 09:05 AM
Everyone wants to lend us money to bleed us dry if people can’t afford it the last thing to take on is more debt, do they not take on board the big loans many have already and if Mortgage free they have spent the last 20 years paying it off. We already have DICR, Gas, Right 2 Rent 86 pages, How 2 Rent, ICO’s, Deposits schemes, mad model Tenancy Agreements etc. Add licensing Schemes a huge initial cost and on going year on year, £1’500, application fee for 5 years, hard wired smoke and heat detection system and annual Certification plus Emergency lighting and annual Certification, fire doors and special locks a big cost, often extra sinks & cooking facilities required but I don’t know what for you can hardly cross the road without getting knocked down with the thousands of mopeds hauling them their ready meals etc. Right now just add EPC’s for good measure and for many a big cost especially traditional houses that were good for man for 100 years but no good for today generation they are gone too soft, over weight and many can hardly walk because of their life style, eating habits, lack of physical exercise and Computer screens they call work.
From:
Michael Foley
13 April 2022 04:56 AM
Hi Jo, busy today didn’t get a chance to catch up on the blogs what you say is quite right. However there are other aspects to this which I have seen first hand some Landlords putting all sorts in rooms next to each other without consulting anyone, at the same time many are often sharing facilities like bathrooms & kitchens so they are all living together anyhow like it or not sometimes sharing the living room if they got one but bro often with room letting scenario there’s a bed in there as well. On the other hand if a group of friends come together and take the property as a whole it must be more safe for them, if they need to make a change of occupant they are in control and pick a suitable Flat mate instead of having one imposed on them. The Gas, Water, Electric and Council tax is also their responsibility. I know you are right access. I never wanted to be a HMO landlord it was forced upon me. Anyway your model is better for Landlords financially I will give you that.I also have to bear in mind if I have to go to Court to get my property back it’s one action as apposed to making several applications probably all Contracts ending at different times.
From:
Michael Foley
12 April 2022 17:27 PM
I have never let rooms individually so why am I required to be licensed HMO’s when its one Tenancy Agreement one let. When the Schemes was first going to be introduced this type of letting was suppose to be excluded but on the last minute it was changed and seen as a loop hole for others, (just like the 10% west & tear removed because virtually all LL’s letting unfurnished were claiming it when no entitled). Why am I banded in with room lettings inferior cramped accommodation like the 1960’ very often sleeping, cooking, living and store all your belongings in the room, not room to swing a cat, this is what they call raising Standards.
From:
Michael Foley
12 April 2022 09:06 AM
It’s so true my rents haven’t gone up in years, does any of those groups not know this or choose to ignore this fact and pick some properties with higher rent deliberately to be used against all LL’s. All my properties are licensed and re-licensed 2,3 & 4 times except one Flat that so far didn’t require a license. We are held to ransom when Councils are in collusion with Tenants to make big money for themselves. When you make a license app’ a load of paper work not only sent to you but everyone possible they can think of as well, whether lenders, Freeholders, Solicitors & Tenants. Therefore a perfect opportunity for the Tenant to hit the LL if he has any grievance or if LL wants to increase rent, they can say all sorts & you won’t even know, therefore held to ransom and incidentally keep well clear of Alfred Place if I am allowed to say that.
From:
Michael Foley
12 April 2022 08:43 AM
Robert I understand all that in theory but in practice its different. We are not allowed control of management anymore that has been taken away. We just have to pretend we are in control of management or we get fined for poor management that have been left no instrument to effect authority. OK suppose I attempt change of Tenants I can’t use Section 8 it’s not rent arrears, can’t use S,21 because its been compromised takes months and costs thousands, open another can of worms to add insult to injury, they are likely to get the hump and stop paying on the interim as well.
From:
Michael Foley
11 April 2022 17:31 PM
Possession friend, maybe we could re-phrase that to who do Policy makers and Councils think is able to pay the extra costs. There is such a thing as re-possession and going bust, where’s the safety net, short memories.
From:
Michael Foley
11 April 2022 15:12 PM
No Grumpy Doug sorry would love to agree but in reality the increased costs haven’t been passed on, or there would be far more homeless. Tenants for the most part have limited income, so we can’t add on ever increasing costs, you can’t get blood out of a stone.
From:
Michael Foley
11 April 2022 14:49 PM
Simon, that’s to crux of the matter not a penny can be passed on to the Tenants they can’t afford it some currently asking me for reductions when my rents are well below the market. The LL is expected to absorb all costs which is not possible therefore its designed to Bankrupt him, it’s not a white paper they have prepared but a black paper the next won’t be green but red.
From:
Michael Foley
11 April 2022 07:49 AM
Ok gross yields, farmer economics, any idea of nett yields or is it all free do we not factor in all costs & expenses to arrive at a profit or loss.
From:
Michael Foley
11 April 2022 07:21 AM
Why would we need a Survey to tell us that when Regulatory changes, tax system and Licensing Schemes are the main driver of high Rents. New licensing M,HMO for 3 bed Terraced in West London £1550. application fee plus now they are using an outside anti-LL organisation website to do the dirty work hence increased fee by £300, to cover that I presume, so you’ll need to hire a Digital Academic to fill out the application taking twice as long as paper version plus very likely to have mistakes because the LL knows the business but the guy on the computer pressing the buttons doesn’t, All LL unpaid time tying us to the desk 24/7 so what time do we actually have to be real LL’s.
From:
Michael Foley
11 April 2022 06:56 AM
Another Khan mixing us up with the Bank of England.
From:
Michael Foley
11 April 2022 06:29 AM
Oh dear. I never had a problem distinguishing who is a man or a woman until now. There has been several changes to the law in recent years as to what we can say or how we can refer to people or various cultures or religions, colours, or nationalities or gender. Surely we must know by now it’s called freedom or speech fair enough.
From:
Michael Foley
10 April 2022 17:28 PM
I see references to some of my comments 3 weeks afterwards. I don’t have the capacity or time for back checking no offence.
From:
Michael Foley
10 April 2022 09:00 AM
Agree with Neil H, comment 10th April 2.06am I have had it all, when they get a property in good condition accept it the way it is or don’t take it, they are not buying it.
From:
Michael Foley
10 April 2022 08:47 AM
I don’t see any shortage of milk this mini phone likes to change what I say !
From:
Michael Foley
08 April 2022 08:54 AM
So much hype I don’t believe there is at shortage of stock and far too many over priced Flats being built because of stupid Schemes. Where are people living now and if they move their previous property will be available. Media, computers, multiple new organisations have sprouted on the back of housing to carve out a fat living for themselves, in many cases calling all the shots. Just because property is selling at a higher price doesn’t mean there a shortage of stock more like hysteria. Last year I was paying £1.05 for 4 pints of milk now £1.55 but I do see so shortage of milk. Ukraine war is certainly affecting the economy of us all regardless of who we are. I expect a recession coming as many times before.
From:
Michael Foley
08 April 2022 08:49 AM
Mark my friend there’s a problem with your gift Shop its not Duty Free.
From:
Michael Foley
07 April 2022 11:31 AM
Immigration Policies are daft, they encourage and let people in, now I see an updated Right 2 Rent booklet of increased size to 86 pages meaning its very limited who you can Rent to, in any case they won’t be able to meet the criteria. If Section 21 goes there has to be a method of getting your Property back for any reason whatsoever without going to Court because it’s your property, they didn’t need a Court Order to move in. I would suggest a 3 month rent free period for Tenants to move out following notice served after Contract period has ended, then they have time and money to move all assuming Owner wanted his Property back otherwise it don’t come into play
From:
Michael Foley
07 April 2022 11:27 AM
I have had some try that, there were 5 girls sharing jointly & severally when this scenario arose they had a house vote and other 4 girls soon put a stop to that…
From:
Michael Foley
06 April 2022 10:15 AM
I have had all male houses as well at a time when they knew what gender they were.
From:
Michael Foley
06 April 2022 09:32 AM
Was that a paid for advertisement?.
From:
Michael Foley
06 April 2022 08:02 AM
This article is unbelievable, come off it how could a surprising number of Landlords be unaware of the changes on the horizon, when its been front headline with landlord & investor in recent years. Simon, my friend no need to be confused and the waiting is nearly over, we have suffered so many sanctions in recent years and the time is near for the ultimate sanction which is getting very close removal of Section 21, when you loose all control of your property and loss of ownership, get the board ready or you may miss exit opportunity.
From:
Michael Foley
06 April 2022 07:37 AM
Nothing new about this in my book I had an all female house for more than 30 years before them, now suddenly it’s a new idea. Dozens of women / girls rotated over the years it worked well in shared accommodation, often the Parents of their daughters came to see where they were living and delighted with the friendly safe situation.
From:
Michael Foley
06 April 2022 07:09 AM
Mario Mario, start it set it up on-line £50. Per Landlord Registration (=£1 pw) for Landlords to be represented and lobby Parliament, it doesn’t matter about offering other services the main goal has to be Policy fairness and Represented at the highest level and not having every time pot Organisation calling all the shots making unjust laws for us, if they won’t pay that they are not LL’s
From:
Michael Foley
05 April 2022 11:10 AM
Hi jo, thanks for putting the record straight with an honest factual response, (also a refundable deposit placed in Security is not money spent).
From:
Michael Foley
05 April 2022 08:07 AM
Tax reliefs claimed gone by LL’s despite restrictions. What’s a surprise about this when we are required to do loads of extra requirements to comply that are all hugely expensive to achieve, then complain about high rent.
From:
Michael Foley
05 April 2022 07:51 AM
They also gives financial support to anti-private housing Charity Shelter. While landlords are one the biggest Clients of their subsidiary The Mortgage Works, such hypocrisy.
From:
Michael Foley
04 April 2022 14:06 PM
Mario is right as a Landlord we should be extremely courteous, polite well mannered, on our best behaviour butter everyone up be great full and bow your head, while they extract the peas (correct medical term not allowed went red).
From:
Michael Foley
04 April 2022 13:33 PM
You can’t insure anything that belongs to some else.
From:
Michael Foley
04 April 2022 10:14 AM
Well I believe when it’s a licensed HMO on one Tenancy Agreement the Tenants are responsible, likewise for Council tax. I never wanted HMO’s its something that’s forced in on me creating sub-standard accommodation like the bedsits of the’60’s.
From:
Michael Foley
04 April 2022 09:10 AM
Haringey Council supporting Tenants to engage the Advocacy Organisation to get rent back they paid for the use of a property they lived in as well as using all the facilities, the Council wants Tenants to have free renting at Landlords expense. I don’t know really what I am allowed to say about this total injustice making a mockery of fairness, are Haringey the proper Authority to be involved with this, they brought to case in the first place now further backing the Tenants on the back of the decision of the First Tier Tribunal, some panel members spent years previously working for Haringey …
From:
Michael Foley
04 April 2022 08:31 AM
Landlords that have any dealings with those, a great time to dump their worthless Policy’s.
From:
Michael Foley
04 April 2022 08:08 AM
What a waste of time, another week another Survey. Why ask Landlords when you never take any notice of us and bring everything in over our heads anyway.
From:
Michael Foley
04 April 2022 07:47 AM
Some nonsense about the environment EPC etc, when so much bombing and black smoke in Eastern Europe, the way its going they will destroy the World and tell us its the right thing to do.
From:
Michael Foley
02 April 2022 11:40 AM
I am not sure Renter’s are the hardest hit, everyone is hit hard. I think the young buyers with Mortgage’s are the hardest hit and have a great deal to loose. What have renters got to loose (nothing), its not their property and the law completely on their side.
From:
Michael Foley
01 April 2022 14:42 PM
I see it as the falling value of the pound, it’s purchasing power so weak, you need so much of it to do anything, now its like confetti.
From:
Michael Foley
01 April 2022 14:32 PM
Maybe a EU Common Housing Policy like the EU Common Agricultural Policy, then they could give us Grants, Subsidies, tax breaks and pay us for imaginary houses that we used to have as part of our quota. Oh sorry we are not in the EU.
From:
Michael Foley
31 March 2022 19:37 PM
I know some HMO LL’s are concerned about their lettings where the Tenant has an inclusive room rent including gas & electric, which is no longer sustainable as Tenants are not careful about what they use. Some have served vacation notice’s with the intention of housing families instead where they pay their own bills.
From:
Michael Foley
31 March 2022 14:34 PM
I don’t believe there’s a shortage of housing just a shortage of people to pay their way hence a huge Council waiting list. There’s going to be a big glut when the East Europeans go back to re-build Ukraine.
From:
Michael Foley
31 March 2022 14:23 PM
Jo, very true so many are housed for below market rents or LHA never any credit given to those LL’s taking the hit. Strange Shelter, Generation Rent and the Unions never refer to this, we are attached what ever we do. The other lot that bugs me are the Rent 2 Rent brigade and Its rampant. The LL’s Rent is relatively low then sublet for maximum rent so they make the real money with no responsibility and Tenants pay full whack, the Council’s know all this but as long as it damages private LL its fine.
From:
Michael Foley
31 March 2022 09:35 AM
I did reply to you Mario in detail but wouldn’t see or blocked
From:
Michael Foley
30 March 2022 15:28 PM
Mario Mario, who is going to take the Government to Court, keep well clear of Chancery Lane, Chancery Chambers or Judicial Reviews unless you are made of money at prepared to loose, Landlords can’t even challenge the local Council, so always pleads guilty or fines and Penalties double. I will leave it at that.
From:
Michael Foley
30 March 2022 12:35 PM
I have several rents the same or less for years and one house is less than 20 years ago even though the Tenants have changed many times. Even worse at that time I had a 6 weeks Deposit but that was before the Rogue Deposit Schemes so now I don’t have any Deposit because of the unfairness it’s a liability and offers no protection for the Property which is what a Deposit was for, now its only for the Deposit it self but covers 3 times more as well so it covers 4 Deposits even though only one Deposit taken, what could be fairer than that, not.
From:
Michael Foley
30 March 2022 11:14 AM
Amongst all the bluster I see another nasty written in by Insurance Company, if you should have had a license but don’t your Insurance can be invalid. How do they get away with such scams, half the time it’s hard for the Landlord to know if a license is required with so much Council crookery going on, the one either side of you is let but don’t need a license although you do its like you are piggy in the middle. I suppose this is why its called specialist landlord Insurance. It’s refreshing to know also HMO Licensing Application fee costs 50% more in London where returns are half, now that’s sound economics isn’t it.
From:
Michael Foley
30 March 2022 08:16 AM
Huge numbers of Rental Properties are not licensed because Family lets are exempt.
From:
Michael Foley
29 March 2022 15:07 PM
The best option young & old get on the Council preferably in a LL’s private property, complain about everything and milk the system for ever how can you top that. Working Tenants can’t compete and rules stacked against them. I had a request today to know if I would reduce the rent by £300. pm, even though it already below similar properties in the area, for good measure I have also had notification for Council the license needs renewing again £1’550. Application fee, there you go over £5’000, in one hit, never mind all the other costs.
From:
Michael Foley
29 March 2022 14:57 PM
Very good no worries about Capital gains or Inheritance tax so no debt duty to die.
From:
Michael Foley
29 March 2022 12:28 PM
It never costs the Council’s it’s passed on. Just like new licensing Schemes it used to be £1100. + £30 per room, now new licensing Schemes starting fee £1300. + £50 per room but if you Apply early you’ll get a Discount. Hello excuse me, so no Discounts the fee has been inflated to take care of that, so no savings just increased costs, they know we are a right bunch of Charlies and don’t know the difference.
From:
Michael Foley
29 March 2022 12:23 PM
Well I can only have so much sympathy if you reach retirement and haven’t sorted out a home to live in, what have you being doing for 50 years, maybe your kids can accommodate you. God help me.
From:
Michael Foley
29 March 2022 08:19 AM
Matthew & John make good points people wants to count the income as profit with no reference to all the huge costs that have been added this last 16 years and on going, you can’t compare renting to purchasing without counting all the costs and don’t forget S.24 either. The other thing that bugging me is Insurance Policy’s. I believe we used to have good Policy’s for decades then all of a sudden they tell LL’s them Policy’s are no good but you must have specialist Insurance. I fail to see what’s good about them everything is extremely limited & restricted getting more exclusions added every year plus never ending terms & conditions. How can they loose with a cap max claim on most things while making more exclusions year on year and premiums are high. The latest one they used to say are they working Tenants or on Benefits, we’ll I used to say both because I don’t know when their situation changes, even that don’t do anymore they now have 4 categories, are they Working, are they on Benefits, are they Retired or are they Students. That shouldn’t be allowed and you are only allowed 2 categories, either the Property is Insured or it’s not and Tenants come and go, not allowed to Discriminate against them because of their different situations, so why can Insurance do this.
From:
Michael Foley
28 March 2022 17:10 PM
Agree that happens I had one of mine down graded but I appealed it, it had to go to the Board and I had it put back. It was one I had built to the Building Regulation’s and was inspected by NHBC as I was a member at the time I build and had completion Certificate originally. Assessors sometimes say things like no floor insulation assumed etc.
From:
Michael Foley
28 March 2022 09:51 AM
I believe large numbers are “D” but some are not a bad “D” say if they are at 67-68 it might not take too much effort to tip the balance to “C”. This idea of people not knowing is rubbish, they know a lot more than they would have you believe, they know when the rent is due.
From:
Michael Foley
28 March 2022 08:56 AM
I agree we will have to be more selective when choosing Tenants although our ability to do this has already become very limited by law thanks to the anti-private LL brigade, (we can’t speak, can’t ask, can’t say, can’t advertise without being compromised). When those white & green are forced in, how long is it going to take your good Tenants to become Rogue’s ?, I have learned that one with the meddling in recent years.
From:
Michael Foley
28 March 2022 08:03 AM
Dani, very difficult times try and hang in there not an easy business to get out of if you have substantial equity in there you’ll get hit with capital gains tax which tears the heart out of it. The value of your disposable income is down 2.3% and inflation going mad 7/8% so the money you will have left after tax etc won’t be worth very much. Section 21 should be reinstated no question or we’ll be back where we were before it came in, with sitting Tenants paying 4 shillings a week, property worthless, un-saleable and economy stagnant. I don’t contribute to the idea to be able to get vacant possession if we want to sell. Its Private Freehold Property and it’s none of their business whether we want to sell, keep, give away or raise to the ground, why should it be up to them what we want to do with our own Private Freehold Property. We didn’t need their advice when we bought or build the property or get any financial support or Public funds, so what now gives them the right to make our decisions.
From:
Michael Foley
27 March 2022 21:26 PM
Karen. Sorry to hear but when we get lumbered not much we can do. Getting worse now with licensing Schemes where Local Authorities are using Anti-Private LL Software Companies for hosts website to stitch up LL’s good & proper, read their Companies Statement see for yourself what they say driving out Criminal LL’s no mention of any Criminal Tenants, so they are biased and not even handed, it’s a website and should be neutral not taking sides and should be banned, not fit for purpose, to really rub salt into the wounds Landlords pay for it. Do we have laws against Discrimination.
From:
Michael Foley
27 March 2022 13:22 PM
Claiming no pets then moving one in. I had a couple claiming no Children then moved in with a child. I didn’t mind either way they said they forgot. I thought it was so innocent it was laughable.
From:
Michael Foley
27 March 2022 10:44 AM
Jim, I think its all about the money and they a making a fortune out of it, all the while complaining about high rents that they are forcing up with all the additional Regulation’s and costs. How are LL’s supposed to cope with all this Technology we are LL’s in the main who supply good quality housing in the main. I didn’t go to Oxford, Cambridge, Eton or Harrow but know housing back the front and every aspect of it. Do they ? well not a hope just a load of bull sugar and there lies the problem. Now I suspect they can’t run the monster they created like a West London Borough. I now see another Company have set themselves up to support Council’s as they say and make another killing at our expense, they call themselves practitioners that understand the complexities to drive up standards with highly effective technologies to continuously support local Authorities. Is that my enough to open peoples eyes, they are all at it carving out soft targets to live off LL’s backs. Who have we got to support us apart from no one, Its a total stitch up. Why are Councils using meta- street to host their website does this mean they made a mess of it themselves and now sub-letting that aspect of it for them to take further fortunes from us on the back of their incompetence. They are all very smart are they not with their scams but we know more about housing than they ever will just spoilers. How many more coming out of the wood work.
From:
Michael Foley
26 March 2022 17:53 PM
We can’t expect to be treated fairly or honestly by Council. I went to Bank on 17-3-22 in Ealing parked in SpringBridge Car park paid by phone 30 min’ £1.20 came back after 15min’ had parking ticket I paid by wrong app / Ringo, done the Appeal which was rejected so now my Bank Statement shows I had prepaid for parking but also that I have paid the fine.
From:
Michael Foley
25 March 2022 13:00 PM
Andrew, what I thought was amusing about Auctions was when he said its against you Sir on the telephone you were never quite sure.
From:
Michael Foley
25 March 2022 11:37 AM
There is not much hard work those days even if they think it’s hard, I remember when there was no PPE or CSCS etc and pay very small £17, for 6 day week. not like now many new rights work conditions more harness than a horse and often £1’000. pw for 5 days. I have no doubt they have a better chance of buying now than decades ago if they had the mind set to save but they haven’t, want it all now all the electric gadgets, 58”TV’s, Computers, latest iPhones, Sky etc and holiday all over the World. We didn’t have any of that, maybe get up on the back of a tipper lorry try and shelter in a portable flimsy open end Canvas Canopy if there was room for you to get in and be landed 30 / 40 miles away to god knows where, told to leave your jacket in the Canopy you won’t be needing that and handed a shovel, spare a thought.
From:
Michael Foley
25 March 2022 09:48 AM
Jim, can only agree only in part of course they are raking in millions from the Schemes it is reported one London Borough is going to take in £20m. (that’s a £20m hit for PRS in that one Borough) That can’t be justified by Administration costs when they have increased the fee by £850. while increased number of LL’s getting roped in. Landlords Administration costs are far higher but we have to absorb all those costs and actually comply, then pay their costs just to sit there where they have everything is a Digitalised Program on computer and virtually no Administration to do just press a button or look at it they must be exhausted. I recognised some parts of the Country are more fortunate with higher returns and lower licensing fees if indeed exists.
From:
Michael Foley
25 March 2022 09:12 AM
I think the Government hasn’t shown us much compassion this last 16 years with so many anti-landlord laws, costs as well as moving our Business from Civil Matters to Criminal law that’s not very compassionate. Then Introduced PCN’s can be anything from £5’000. up to £30’000. even without a Court Case or you can have your day in Court pay the expensive lawyer and get an unlimited fine, so they are not very sympathetic towards us, my goodness I don’t know what they think we are.
From:
Michael Foley
25 March 2022 08:08 AM
Martin, agree that’s shocking and shouldn’t have happened. Of Course we all know why, its the Regulation’s, anti- Private Landlords clammer, injustice & persecution of Regular Landlords Lettings that has caused the switch. Congratulations to Shelter, Generation Rent etc, you should hang your heads in shame for loosing all this regular renting accommodation for locals and people who want to work and Live in the area. Certainly as said it does damage the Social Structure.
From:
Michael Foley
25 March 2022 04:18 AM
sad my friend nothing personal. HMO’s not a problem but if they are licensable HMO’s its a massive problem and cost. Application fee alone in west London for a normal Terrace House 3 up & 2 down is £1300. Plus £50 per room if you ever heard anything so ridiculous = £250. + your £1300. = £1550 fee, (up £850 since introduction). That’s for max 5 persons but if you have more you’ll need more facilities like 2 kitchen Sinks and 2 Cookers + hobs often in same kitchen or Range Cooker but if your kitchen is not very large forget all that not allowed, for 2 persons to share a room has to be more than 10.2m2 with separate cooking facilities else where, no need to go into all the other stuff you’ll have all that already like fire doors, DIER, hardwired inter linked fire alarms, heat detector, md, EPC has to be served etc. very little of this required for last 16 years to let for a family, if in any way have a vaguely connection line. They are well favoured I know some won’t like me saying that but that’s the way it is but a lot left unsaid here. So if you have had Mandatory or Additional HMO’s since 2006 congratulations you now have redone & repaid 4 times over. thank you.
From:
Michael Foley
24 March 2022 18:33 PM
Steve, he makes a number of valid points, they do give false comparisons. A good quality Combi used easy last 20 years before Condensing was forced in still get 10 /12 years unless cheap makes maybe 5 before condensing pipe leaks into flue or condensing trap gives up, when that starts time to change too dangerous and call out too expensive. EDF have notified me my gas Bill is going up extra £2’300. don’t know how much extra for leci.
From:
Michael Foley
24 March 2022 15:48 PM
It seems LL’s have the 1st of April every day.
From:
Michael Foley
24 March 2022 15:26 PM
sad, The System is already favouring Families by a mile. For years no license required to let to a families or saddled with same requirements that’s a massive and unfair advantage. It’s going to cost many LL’s roughly £5 / £6k to Apply & Comply with the Regulation’s, try it and see what they charge those days, this is equivalent to a tax. The other point you are making is already covered by Article 4, can be used at the Councils discretion.
From:
Michael Foley
24 March 2022 11:01 AM
I think we all know about price rises, supply & Demand now with Wheat & Oil going through the roof.
From:
Michael Foley
23 March 2022 19:08 PM
I am not a big fan of ARLA who have not been around very long but they look after their own which is Estate Agents, that said we desperately need some one to represent us. This is crazy all those Groups make all the rules and supply no Housing how mad is that. We have millions of LL’s housing millions of Tenants in the Private Landlord Rented Industry worth £1.3 trillion (think about that) and not Represented or even consulted just one scam after another, how can that ever be with so much at stake, we have small LL Associations the biggest of which has less than 100 thousand members what use is that. We should be permanently represented in Parliament and consulted properly on decision making not this pretend here say consultation we have been subjected to in the past, where a guy comes from York and tells us what he’s bringing in.
From:
Michael Foley
23 March 2022 17:20 PM
The Renter’s Reform Coalition of 20 Groups including Shelter that doesn’t supply Housing wants to dictate to millions of LL‘s how everything should be, until they supply Housing they should have no sway and why should Parliament entertain them over the heads of Private Landlords that House millions, made a huge financial commitment by investment’ in many cases their life savings & last penny plus all the sacrifices made for years. for what ? to be classed as Rogue’s and fair game for anyone to take a pot at, there needs to be a reality check here.
From:
Michael Foley
23 March 2022 12:01 PM
Right as previously said more or less if you have a group of friends and one needs to move it’s never been a problem, the replacement person takes over the remainder of the Tenancy from out going Tenant until a new Tenancy can be put in place when it expires and the Government has said this year’s ago and that no reasonable request should be refused, at the same time if no one moves and same Tenants remain as on Tenancy Agreement then it can run as Periodic for ages as long as there is no change in the occupancy. What all the shouting about and lobbying House of Commons trying to create mischief.
From:
Michael Foley
23 March 2022 11:02 AM
The Renters Reform Group unveiled a 28 page Document to House of Commons. Who is Representing the millions of Landlords to the House of Commons that supplies the billions of pounds of Properties to the Market to House those 11 million private Tenants that they refer to, at no cost to the Tax Payer but its Privately funded. It a shame I can’t say the same about many of their clients milking the System for ever. Where is NRLA in all this how many pages have they presented to House of Commons or were they there to Represented us at all ? maybe they are too busy cooking up yet more work load for LL’s with their unnecessary Redress Scheme to cripple LL’s even further to Create another Business money spinner for themselves, why are we taken for complete mugs or do they think we don’t know what they are up to.
From:
Michael Foley
23 March 2022 07:14 AM
The Renter’s Reform Group. What a pack of bare faced lies. Please tell me when was a Renter even trapped in a letting, they walk anytime they want. Landlord is not going stop them or try and couldn’t anyway they already have this option and find a suitable replacement agreeable to all, we are in Business and do our best to accommodate their wishes. I think the truth is necessary for any White Paperwork and those 20 Groups misleading Parliament is disgraceful and should be brought to book for illegally subversion the rule of law. Me 44 years a LL what would I know. There seems to be a few of us that comment in the night time, that has to be an indication of the injustice & stress we are under.
From:
Michael Foley
23 March 2022 03:51 AM
Caroline is right I have had that in Blocks of Flats often prohibited in MA of the Freehold Company for lease holders. I think it’s mostly to do with transmission of noise. Laminate does looks well when new but goes in the skip too often.
From:
Michael Foley
22 March 2022 08:38 AM
I think currently a new efficient gas Boiler is your best chance of getting a better EPC rating, not cheap for good make installed £2k unless you go for a big Company then it will cost substantially more. I think you will still struggle with Electric to get EPC up. The only difference between traditional Building and modern Buildings is a lump of polyurethane foam sheet in substitution for bricks or insulation blocks. I know which one I prefer that foam gives off toxic gases in a fire.
From:
Michael Foley
22 March 2022 07:58 AM
Don’t know what point he’s making about rent being bigger cost. I would except that to be the case somewhere to live, try B&B, AirBnB or a hotel see what it will cost, they can stay for a month in mine = to 3 nights in a Motel. Rent cap is the surest way to prevent recovery, cap on profit will he also have a cap on losses or has he got a fools cap, his London mate Mayor shouldn’t be in a job holding everyone to ransom taking £400. from our C/tax and we have no say plus a levy’s on anything he likes. Maybe he should have stayed in L’pool where those kind of Policy’s held that City back for years and strikes every other week. I was 55ft down a shaft diverting sewer under Mersey Tunnel when they started throwing things down to stop me working calling me a scab, although my section was nothing to do with them. I think Mr McDonnell has brought that mind set with him.
From:
Michael Foley
22 March 2022 07:31 AM
Knocking down 5 new 6 bed £1m houses near Bolton, in Breach in Breach of Planning rules by size and site positioning, surely some compromise could have been found with Council instead of Demolition and at a time crying out for housing. I can imagine they would be fine houses for £1m in the Bolton area. The Council should cherish a Developer willing to make this huge Investment in such a deprived area. Instead of flexing their muscles to let them know who’s Boss.
From:
Michael Foley
21 March 2022 16:31 PM
Hard to make sense of some things. Rishi Sunak talking about reducing tax on fuel by 5p, only months ago it was £1.32 now local Esso garage £1.89 what difference is 5p going to make.
From:
Michael Foley
21 March 2022 16:04 PM
Section 21 is not by any means an automatic eviction but a term Tenancy, which is normally renewed again and again just some protection for the owner. Why then is media pushing the idea that LL’s wants to get rid of Tenants all the time when its not true, we are just sorry the day they leave. It seems to me they want LL to have no rights at all, we must be the only Business not allowed to have terms & conditions, even Estate Agents have more rights than us and not own the property.
From:
Michael Foley
21 March 2022 08:15 AM
Of Course he should have applied for the license if he got warning or repeated warming’s if true. Sometimes I have seen in the past where Council issues warming then move quickly before LL has a chance to deal with it. He is not going to get a license without doing a load of work which is not easy if you already have difficult Tenants in -situ but he should have applied and tried.
From:
Michael Foley
21 March 2022 07:54 AM
So Mortgage’s interest has gone up by more than a factor of X 7 times good luck.
From:
Michael Foley
21 March 2022 07:08 AM
Such lies carry on you’ll get what you deserve, collapse will not just be housing market but the whole economy not much else left. Those left wing morons don’t realise property prices will collapse across the board including their own parents house and their own Inheritance. Government has roped in young people with ponzu unaffordable huge Mortgage’s not a hope of keeping up with payments with such Inflation. The hand outs wasn’t a saving but added onto the loan, The S,D wasn’t a saving because the Developers increase the purchase price by that amount. The Interest rate has gone up from 0.1% to 0.75% in a few months add that onto your monthly Mortgage’s. no need to mention food in the Supermarkets or diesel £1.80 per litre. Just continue with your spiteful policies and £1500. Licensing application fee, for good measure introduce another ponzu redress scheme to make more fat cats.
From:
Michael Foley
21 March 2022 07:02 AM
They mentioned HMO licensing and management. They didn’t mention the different rules and fees through out the Country like £750. in Sheffield while more than double that in outer London £1550. we also pay initially £392, on submission and balance when license is granted but if you don’t get it or proceed go any reason the £392, is non refundable. In London licences can’t be changed and will remain on the property and cannot be changed even after you sell it, but a New Application must be made. However in Sheffield a LL can pass the Licence properly on to another LL for £360. Draw your own conclusions.
From:
Michael Foley
20 March 2022 12:32 PM
I paid the Solicitors’s £350. to put a stop on it and Register it to my Home address for Service as I had move and didn’t think I needed to do this. The Solicitors wanted me to continue with Court Cases but I thought keep well clear of that time consuming costly nightmares. It was in the media at the time and gave up following the Cases I had enough in my plate.
From:
Michael Foley
20 March 2022 07:03 AM
Who are all those Rogue LL if they know there are Rogue LL, they must know who they are ? and deal with them individually if they don’t know Its hear say. Why put every Private Landlord on the back foot, polarised in a bad light and hit with costs & Sanctions for no reason.
From:
Michael Foley
19 March 2022 08:15 AM
Alison, with the great respect forget any leaflets through the letter box, put the stickers on the Bins. Tenants come & go, leaflets goes out in the rubbish, just like a tool for any machine keep it with the machine and no where else.
From:
Michael Foley
18 March 2022 15:44 PM
Mine involved a crooked Solicitor and other properties as well as mine amounting to millions. The thing is we always register a properties when we buy but when we move house ourselves we don’t always re-Register all our existing properties to our new address for Service that’s the point, if you have a property borrowed up no worries they won’t touch that one, they do their home work and pick one that’s paid off then no lenders to get past.
From:
Michael Foley
18 March 2022 14:01 PM
Andrew, you won’t see it up for sale those that done me are like property scouts selling your property as their own to a property Company, they are pretending to be legit with a ready made buyer in place.
From:
Michael Foley
18 March 2022 12:23 PM
I have had that but an unknown intermediary at the time allegedly buying for a big Company, went to my property with their posh car suite up told my Tenants they come to view the house and they let them not knowing what was going on and poor command of English. Anyway they got past exchange of Contracts before I found out though someone I knew that also knew the buyer. I haven’t time to go into it right now but I got my Solicitors to put a block on it
From:
Michael Foley
18 March 2022 09:40 AM
Councils could help by putting a waterproof sticker on each Wheelie Bin to say what goes in each Bin, then no need to tell anyone, a cost saving exercise by comparison to sorting out wrong waste afterwards.
From:
Michael Foley
18 March 2022 08:04 AM
I have tried all that but they want to challenge everything you tell them about what not to put in recycle Bin. James is right they are not children, we are not running a kiddies nursery. Lovely anti-Landlord rubbish one sided Program on ITV last night, saying rents gone up 10% in a year while I haven’t increased any rents in years and have been loaded with costs by LA, not a murmur about this.
From:
Michael Foley
18 March 2022 07:49 AM
I know you currently have to give a copy EPC to Tenants at Contract stage if property is one let but not to HMO individual renting rooms not that it matters that much. I think there should be no need for LL to check nor tell anyone or Government what the EPC Band is as they know already its registered on Gov’ website as soon as issued, covers all just see the huge numbers that has expired (Red) virtually in every road.
From:
Michael Foley
18 March 2022 05:03 AM
Robert / Luke. I have no doubt NPR system to charge by the mile is not going to be like that, if introduced but applied at all different rates according to the type of vehicle and emissions, just as now to park your diesel car for example in London costs much more than to park a petrol one, its savage sadly it won’t be any cheaper or fairer always more.
From:
Michael Foley
18 March 2022 04:28 AM
What a biased stitch up unbalanced Program. Why weren’t Landlords represented, why was there no mention of all the costs imposed on LL’s Why has ITV got a broadcasting license, it certainly isn’t Independent. Never mentioned why Section 21 was introduced, never mentioned the 2004 Act, never mentioned 2015 De-Regulation Act, never mentioned Section 24, never mentioned taking away our Deposits and replay with a ponzu scheme, never mentioned licensing Schemes £1200 to £1500 Application Fee, DEICR, fire Regs, Right 2 Rent, How 2 Rent. EPC’s, Accreditation, Courses, do I need to go on. Paul didn’t do us justice either going along with the idea that LL have too much power when all LL’s rights have been removed & too scared to visit the property in case we upset someone. how can you run a business on tender hooks like that, of course it suits him to say that he fronts a Company that want to introduce a LL’s redress Scheme to may another killing like Deposit Schemes. I told you all before the program what to expect, never mentioned any of huge costs that we are burdened with and expected to absorb, nor did we have any representation as property owners and main players in the Business, What’s this women thing with children no father figure or father contributing but expect be kept on benefit for life and now dictate to private LL’s that they should house them, call all the shots and how everything should be, give me a break. I notice you are all staying very quiet probably still suffering from shock & total injustice.
From:
Michael Foley
17 March 2022 21:39 PM
Watch, ITV tonight 8.30pm on about high rent in private rented sector and loose your home, this program is a prelude for rent cap make no mistake. I bet they won’t dwell on the high costs being imposed on us by Regulation and licensing Schemes etc, we’ll see.
From:
Michael Foley
17 March 2022 19:37 PM
Scrap Digital Tax and the proposed quarterly reporting do you think we have nothing to do and already burdened into the ground with regulatory requirements, you could charge us 18% C/gains tax like everyone else instead of the special rate for LL’s only of 28%, that would be simple enough.
From:
Michael Foley
17 March 2022 07:04 AM
Andrew, stay in there join some LL Association we need help from some one and when you require a license later on it will be a question on the Application, next I think we’ll be forced to be Accredited as well endless free workload by us and we pay them £1500. to look at it.
From:
Michael Foley
16 March 2022 21:40 PM
Jim, correct it’s always left to individual to fight. I think iHowz in now the name of that Association, join up now and get the experienced Mr Peter Littlewood on the case he’s brilliant although sometimes we might disagree on some topics.
From:
Michael Foley
16 March 2022 17:08 PM
It’s raining in west London and cars covered white with a milk like substance, I seen sand on cars before but not this.
From:
Michael Foley
16 March 2022 16:45 PM
Andrew, congrats you are not a HMO and have some money in hand for replacement. They are all are pushing for LL’s to allow pets can someone please tell me in which room in a HMO is the dog going to be kept, or how many m2 floor area do the Regulation’s required for the dog or is he going to sleep in the bed.
From:
Michael Foley
16 March 2022 11:21 AM
Simon better not keep on about inspections, no matter how good you think yours is they are going to require you to do something to justify their job and might find yourself re-booking the MOT.
From:
Michael Foley
16 March 2022 10:53 AM
Independent Social Market Foundation with a ridiculously small Survey of just 1300 trying to make laws for 13’000’000, renter’s in the Private Rented Sector on their say so, of course it not even this small number as 31% didn’t agree. I went to one of my beautiful properties yesterday with EPC Assessor only to be hit with smell or dog’s wee and very visible on the carpets. The tail is wagging the dog here again.
From:
Michael Foley
16 March 2022 07:13 AM
A Think Tank no, surely they are a stink tank, Oh yes they say we are very good LL’s which is great. At the same time they say we need to be reformed what a contradiction, why are they on about reforms which haven’t stopped year on year for the last 16 years since introduction of licensing Schemes in 2006 following labour’s Prescott Act in 2004 (so we all voted conservative to carry out labour’s policy’s). So high profile Stink Tank thinks we should be reformed for goodness sake.
From:
Michael Foley
16 March 2022 04:58 AM
Hi Jo. I agree with most of what you say and we have to die to be allowed to give it away or retire.
From:
Michael Foley
15 March 2022 07:52 AM
I agree most renter’s are happy with their Landlords and the condition of the property. However, there is a close connection between the quality of the Tenant and the property if a good Tenant get a good property it stays that way for years, on the other hand when you get a rough occupant it’s ruined in months and then likely to contact Council to complain about the condition. Asking Tenants if they would like to get rid of S.21 is a bad joke, why not ask LL’s would they like to get rid of HMO licensing Schemes. Huge numbers of renter’s don’t even know what Section 21 is despite renting for years or care good people are not going to be asked to leave. I know some changes their partners a lot more often than their accommodation. It like we are the only business that are not allowed to have terms & conditions. Regarding the 15% of renters that are not not happy with LL or because they don’t own their own home, this is not a surprise no one likes paying rent but understand it’s necessary if thy want to live in a property belongs to another, there is also a small number that wants to game the system and pay nothing.
From:
Michael Foley
15 March 2022 07:33 AM
There has to be more to this story. They must be among the roughest Tenants out there. Door handle missing why would that be ? did LL come in and pinch them, broken fire alarms I think them self-damaging fire alarms should be banned. The water damage to the ceiling appears to be from an upstairs bathroom but we are not told the cause. The drainage problems could well be miss use initially and then build up. I am acutely aware of such misuse when they pour oil, fat, rice, spaghetti etc, down the drains. How on Earth could the handrail be missing the bannister’s don’t walk off but I have known Tenants to break them off and thought it was funny, their LL wasn’t amused and ended up in a big fight with the Tenant taken to hospital in Ambulance and LL taken away in a police van. This LL should have had all those Certificates and presented them promptly to Council when requested, can be very difficult to keep up with the annual ones they keep expiring so quickly & with Tenants changing about and so much other stuff to deal with all the time. He should have responded immediately or try to get someone in, not easy to get people to do things those days. The lawyers are out of control £10k for what how much an hour is that it’s ridiculous undermining justice system the defendants pleaded guilty can’t have been a difficult to get a conviction, if a builder charged that for a menial job he’d likely get Prison.
From:
Michael Foley
14 March 2022 21:36 PM
Bob, don’t agree on this one aren’t HMO licensing Schemes already doing this, is that not what Additional and selective are controlling. The worst part if you let to shares and subsequently let to a family then they can restrict you from going back to renting to shares. Have you not heard about Article 4.
From:
Michael Foley
14 March 2022 14:25 PM
More work load and bureaucracy tying us to the desk, just throw another spanned into the works with someone coming between you and your Tenant to add to the debacle, when is he ever going to have time to run his business we are already over loaded with time consuming rules and costs, that didn’t exist before computers & iPhones, nothing to do with quality affordable housing just more loads of bull sugar. Why would you need yet another redress Scheme, when is Tenants ever short changed their Deposits is protected in quadruple if you dare to take it. Their accommodation is protected by Statute and LL can’t evict using S.21 without Court Order if the Tenants chooses not to leave, always costs thousands of £’s but now even that little right is being removed from the LL, when will there ever get even one rule that benefits LL, its certainly all one way and now tell us join redress scheme and we’ll be grand, just like the Accreditation Schemes costs and time consuming for a feather in your cap done all those and have being double Accredited not any benefit to me just what someone thinks you should have, how do you suppose we managed before all those organisations sprouted.
From:
Michael Foley
14 March 2022 07:21 AM
What is being proposed here is higher Rents more costs and bureaucracy. Another Organisation carving out another business for themselves, taking yet another slice of what should be Landlords profit. Excuse me obviously there will be a fee ? , also forcing LL’s to use an Agent that’s another 11% increase in Rents by that amount plus the redress Scheme cost plus the implications of it. Did we not have our own redress schemes from day one. Who do you think ran the business and has been doing all the repairs since I have been a LL for the last 44 years since 1978 before many of you digital academics were born you incompetent useless go and earn your own living instead of sponging off us, so now you think you are so high and mighty you think you can tell us how to suck eggs. Remember it was us that fought for S.21 that created the Industry that you are all now clamming to destroy, without which there would be no private letting Market at all but you know what’s best for your own Pockets.
From:
Michael Foley
12 March 2022 19:29 PM
Paul what on Earth are you talking about. England is the only Country in the UK not to be Registered or Licensed you say are you off your trolley. We have been driven up the wall with Licensing Schemes since 2006 and the rubbish Deposits Schemes since 2007. I now got to spend another £10k+ on Application Fees alone again not withstanding the fact they were all licensed before, all at least twice some three times & for two it will be the fourth time, 2006, 2011, 2016, and 2021, so what the hell are you talking about. Don’t get me started about rubbish Deposit Schemes costing us fortunes by creating a niece market for guy’s to move in on us with Schemes & make millions out of what should be protection for our property leaving us will no protection whatsoever for our property just protecting the Deposit it self, so what’s the point in take it. I have foregone £30k Deposits because of this Rogue Scheme which offers no protection to the Landlord but is a distinct liability (just give them back the deposit & 3 times more as well for fun) and you think it’s bedding in. It will be a recession while paper.
From:
Michael Foley
12 March 2022 11:06 AM
Who Discriminates against Tenants more than Shelter, they have continuously gone out of their way to damage the Private Rented Sector as much as possible. How does that help ?, at the say time provide no housing themselves, have Charity Status while we are abused, wronged, Criminalised, Penalised and taxed to the bone, about time people woke up to Shelter.
From:
Michael Foley
12 March 2022 09:06 AM
I think London have some of the worse returns in the Country because of the high purchase price, just add endless costs & Regulation’s for years getting worse all the time which haven’t arrived fully or applied as severe to many other Towns & Cities. High Turnover and income is not profit as anyone knows just add tax on Bank interest loan repayments / S.24 for good measure, travel restrictions ULEZ £12.50 per day 7 days a week, Congestion charge if you hit that zone £15. per day, extraordinary parking charges very often £16. pd more for Diesels, that can be a few hundred a week and you haven’t even started work yet, you’ll be very luck if you also don’t get a another penalty during the day as well for speeding doing more than 20 mph or stop to buy something cameras everywhere. if they haven’t already put stupid double lines on blank roads for the hell of it, huge permit & skip costs if allowed at all, never mind haven’t you got a bicycle to bring all your gear, it’s easy to know those clueless rule makers never had to earn a living. Oh excuse me sometimes they work for home very handy.
From:
Michael Foley
11 March 2022 19:44 PM
Right 2 buy make a mockery of people buying with Mortgage’s at Market price off their own backs. I seen one guy buy the House for £11k because he had sponged so long, another one bought for £22k a modern 3 storey Tower House which I later bought from them for £207k in 2004, I didn’t know until afterwards when I got the paper work from Solicotor. The only restriction on them was not to sell it for 5 years. The guy that bought for £11k also sold fe big money then moved in with his brother in another Council House.
From:
Michael Foley
11 March 2022 09:27 AM
It not Sadiq khan’s remit and none of his business he wants to poke his nose in everywhere. So he is on about building 116’000. affordable homes in London which is very big of him with tax payers money, not withstanding the fact that many Developers who built affordable homes as part of the Development then on completion give the Council’s a few quid to have them reclassified, end result no affordable homes in the Developments, should that not be put right before using tax payers money to replace them.
From:
Michael Foley
11 March 2022 07:36 AM
I think the Mayor has too much power is out of control and don’t seem to have any Boss, who is doing outrageous things. He shouldn’t have had the power to sack Commander Cressida Dick head of Metropolitan Police and she should be reinstated, its a bit like giving a Landlord a big fine for something one of his Tenants done as if he could have known what an individual was thinking or might do it’s ridiculous. Sadiq Khan is already fleeting us in so many ways with levy’s of every kind, he is also taking unjustifiable amount of Council Tax from all London Residents / house holders weather private owners or landlords of £363.00 for a Band ‘D’ property but the greedy parasite is adding another £30+ this year making his take of our Council Tax to an average of £400.00 per year (evening standard). So out of our £1800+ c/tax he takes £400.00 then has the cheek to talk about the cost of renting.
From:
Michael Foley
11 March 2022 07:06 AM
Several of big Developers currently building big Developments had to have a percentage of Affordable housing as part of the Planning Permission. However I definitely know of 3 such Developments locally where on completion the Developers bought back the Affordable Flats by paying the Council’s a fee, hence kept control of whole Development on going , end result no Affordable homes and Developers made a killing, I wouldn’t be in a good position to know this but I do so it’s probably wide spread.
From:
Michael Foley
10 March 2022 16:37 PM
For goodness sake stop on about inspections, obviously you haven’t been touched yet. When they come you’ll know all about it they’ll give you a list as long as to arm not withstanding how good you thought it was. Things they came up with for me, are the kitchen cupboards fire proofed they are made of wood she said & specified special treatment, the loft hatch door must be fire door but no one or nothing up there, it won’t be the way you think I was required to buy full fire door cut it down to size & lip all around this was in writing for me to do. Better sheet it with PB before to come and forget about access. The locks on every door has to be unlock-able without key from inside but sure you know all that, even silly things like I had notice board in living room she said that’s no good re-site it in entrance hall etc. only the tip.
From:
Michael Foley
10 March 2022 09:43 AM
There will never be a saving when someone else pays the Bill.
From:
Michael Foley
09 March 2022 07:32 AM
George, it must be good stuff. I now know it’s widely reported that most medicine and tablets last at least 10 years longer than expiry date, the short expiry date is for Manufacturers to make the billions. I have bought a pint for (2s) 10p in Old Dock Rd, L’pool in the 60’s, now £4.50. still only a Pint. I have bought Bricks for £11.00 per thousand back then, now same brick £450.00 per thousand, still only a Brick.
From:
Michael Foley
09 March 2022 07:13 AM
Buy your own put in all the Insulations you want, don’t expect others to do it for you, seal everything up tight and suffocate, you’ll all be like hatching hens, and the more warmer and softer you become the more heat you’ll need, careful a bit of fresh air might kill you.
From:
Michael Foley
08 March 2022 23:43 PM
The License Application used to be 16 pages plus all the Documents, now all gone Digital bits and pieces all over the place 49 pages but some might not apply to you, it’s so difficult and time consuming you can’t see it all together as you go along. I have had two rejected because of this Digital nonsense and required to make new applications even though they were licensed 3 times before its they who have changed things, one of those houses I built 50 years ago by my own hand with only hand tools while living in a rented room. Now they the Council’s Bureaucracy is Awesome and a by far a bigger burden than building a house what could be more important.
From:
Michael Foley
08 March 2022 22:57 PM
Andrew. This is why they shouldn’t have done away with taper relief or index linking of some sort. At one time LL were being encouraged to stay long term. The problem now is we are penalised more the longer we stay and taxed on inflation not profit, or its £ devaluation.
From:
Michael Foley
08 March 2022 09:34 AM
Unfortunately I believe the lenders will be taking a view on this and expect First time buyers property to be EPC at least a“C” as well. (not that it makes much difference to the Planet with so much Black smoke in Eastern Europe ).
From:
Michael Foley
07 March 2022 20:17 PM
I know you try to help people and you get trampled on. I have a 5 bed house let for £2200. pm similar one locally £3600. Several other below market rents locally looks like I should be charging £30k+ more, so he can stick his £150.
From:
Michael Foley
07 March 2022 17:49 PM
That’s fine I will start charging Market Rents.
From:
Michael Foley
07 March 2022 17:15 PM
The Council tax has increased so much in recent times even last year it went up 5.9% so they are not giving anything back only what they added on. Brent is now £1’741. for Band “D” having increased from last year by £97.
From:
Michael Foley
07 March 2022 11:15 AM
When I have to pay £1’500. extra Application fee to Council for a license and all the other costs no extra Rent ?. Really Sir Clive Brett’s this £150. c/tax Worries you, try been a Landlord see what a worry it is, with your soft job and huge Salary decide to have an increase anytime yourselves.
From:
Michael Foley
07 March 2022 07:21 AM
Hi John, them days are well gone no enjoyment now just absolute torture with Rogue Regulators hitting us from all angles, so much bullying , lies injustice’s, legalised robbery, fines, penalties, confiscation Orders, banning Orders, criminalisation of Landlords, deposits farce, how2rent, right 2rent, unfair taxation, and a raft of other impediments. Looks like you haven’t been hit yet or have an unusual sense of humour.
From:
Michael Foley
06 March 2022 05:42 AM
I have bought both ways. I first purchased at Auction in 1973, 2 Auction purchased that year but not always either. Some years later I was interested in a house by private Treaty but was having second thoughts so went to an Auction that came up. Auction was mad that day for problem properties mostly so I left got on the train to the Sales Agents and bought by private treaty. So you make your choice and weigh up the suitability of a particular property to you.
From:
Michael Foley
05 March 2022 17:12 PM
Paul. I think you misunderstood what they are referring to as Work. Their idea of what they call work is money to give penalty to another LL. And not to do any actual work to improve the property but the opposite to remove the finances to stall improvements. Do anyone seriously think the Tribunal is going to rule against Council all on same side, and sometimes are ex- Council employee themselves although there are 3 behind the desk a judge and 2 disciples one I think a stand in legal person & other a lay person.
From:
Michael Foley
05 March 2022 16:56 PM
JFT, so my bull sugar why don’t you go at have a lay down, try sleeping it off. Deposits used to be to protect the property, now nothing protecting the property. The Deposit is now all about protecting the Deposit it self and make money for outside organisations, hence its just another Landlords liability.
From:
Michael Foley
05 March 2022 12:54 PM
Robert. Congratulations I like to see everyone doing well never jealous or envious. I haven’t the benefit or burden of further education so I grapple with returns and yields. £3m equity x 10% = £300k pa. Profit less running costs, Licensing, Accountancy + vat, Insurance + 12%, General Maintenance, other Regulatory requirements, How 2 Rent / Right 2 Rent costs, Certificate’s annual & 5 yearly, Deposit burden costs, c/tax in HMO’s, Agency fee if used + vat, Advertising, Tenancy Agreement’s, any Service Charges, Ground rents etc, (excluding Epc’s nightmares). Do I take off those before I arrive at a profit before tax, returns, yields or what ?. In any case £ for £ you are 3 times better off then me in L’don with your investment well done. Please someone enlighten me.
From:
Michael Foley
05 March 2022 05:19 AM
Steve, careful what you wish for your application only covers one inspection visit and if it doesn’t pass first time which is likely when they come up with all the things you didn’t know about. As in Harrow second and subsequent visits they charge you £85.00 per hour. I have it in writing but the letter is 2 years old it could have increased in the interim, of Course you don’t know what an hour is ?.
From:
Michael Foley
04 March 2022 15:16 PM
Big rise in Capital Gains Tax take, so it follows also Big Rise in Stamp Duty Land Tax take, when is Government ever affected.
From:
Michael Foley
03 March 2022 11:17 AM
Tara , you are right the Current Council’s are Rubbish and not capable of running a Borough don’t earn their money and worse than useless. They didn’t sweep the leaves at all in some Boroughs in London 21 / 22. Roads flooding no one bothering, gulleys blocked, main drains silting up creating big cost in the future. Worst part is Asphalt crumbling because of surface and sub structures saturation. I see Roads (Harrow Road & Bridge Water Road) that’s only been re surfaced 2 years ago breaking up and dangerous potholes already appeared. How many billions is this nonsense costing all for not sweeping the leaves. I see ponding all over the place even at official pelican crossing out Sudbury Hill tube Station for weeks you’d need wellington to cross there, plus people getting splashed and to top it all they have spent hundreds of Thousands up grading the pavements and putting lifts in the Station because of the additional thousands of Flats being built in close proximity. So they have an Official crossing where they can’t cross.
From:
Michael Foley
02 March 2022 23:06 PM
John. That’s an easy question to answer. The lender always gets possession a few months and your gone, understandable because it’s their money but not all, because the LL usually have a big chunk of his equity in there that’s not protected. The Lender will sell at any value as long as it covered the outstanding debt. The owner is the only person in the whole process not to be allowed any form of protected, after all what does it matter about him he’s only the owner, am I getting cynical in my old age.
From:
Michael Foley
02 March 2022 12:59 PM
Andrea. I couldn’t agree more most of my Tenants in the main are wonderful people easy to get on with but many in poorly paid jobs. Suppose they were to find similar accommodation locally in the market well not a hope all my rents are below market price in their area. I think you are lucky to be in an area of not many HMO’s and perhaps possibly not in an area of high density of prime location like London and near underground Tube Stations where the Big Developers want you out with Government support to Build Sky high Blocks of Flats to make a killing and take control whether for letting at very high rents, part buy part rent rip off schemes or sell at £6k / £7k a m2 to the young with tax payers help, either way they want us gone.
From:
Michael Foley
02 March 2022 12:07 PM
I never wanted HMO’s that were invented by outside’s and forced upon me doing enormous damage me and cost to my letting Business, now costing me another £10’000.00 plus for Council Application fees alone, not counting all the requirements costs and Compliance Certificate’s necessary to make the Applications. I know and appreciate all my time / labour is considered nothing and a free service for ever, but if I use anyone in a suit it £300. per hour + vat, not withstanding the fact they were all licensed at least twice before some three times, one will be a fourth time. Are the Council’s really shouting about unaffordable Rents that they are in a big way responsible for ? It also seems to me the Application fee has gone up from £578 on 2006 to £1550. for a 3 bed Terraced house (one receipt I could lay my hands on) surely not such hypocrisy.
From:
Michael Foley
02 March 2022 10:45 AM
We bought or buying the Property to rent out on a temporary basis and have control over our investment and as Shane said off our own backs privately funded. Why should we loose control and hand our Property over to someone who never had to make those financial commitments and human sacrifices, no doubt we have foregone many of life’s pleasures we weren’t swanning off on holidays like some of those people often on Benefits or working a 40 hour week but more often 100 hour wk, when we weren’t working physically we were dealing with all the paper work crap.
From:
Michael Foley
02 March 2022 09:25 AM
Its all one sided is it not enough to be saddled with outrageous costly unjustified HMO licensing Schemes and Section 24 without adding another unjustified burden to give a further advantage to Big Developers that are already getting huge chunks of tax payers money and collusion to get young to buy. Council tax the most unfair tax. Poll tax had merits where everyone paid something but now millions pay nothing, not all to do with letting properties either and it went up last year in ours by 5.9%.
From:
Michael Foley
02 March 2022 07:29 AM
Elizabeth, there is two sides to this storey or three. We are sending weapons to Ukraine from loads of Countries, in many cases Ukraine to fight Ukraine to kill each other and flatten the place how is that going to help, as well as Russia doing a big Demolition job it’s crazy so much suffering, sad, tragic & ridiculous. Thousands killed, hundreds of thousands injured, millions displaced or gone to neighbouring Countries. The World virtually united in closing down the banking system of another Country allegedly to stop the war. America has a National debt of $25 Trillion, it’s not a secret but on display on the big screen in Times Square it doesn’t seem to affect their ability to support a war or function domestically. Our home economy is going to get hit hard for all, diesel at Esso garage £1.59 per litre.
From:
Michael Foley
01 March 2022 17:30 PM
They are determined to collapse the economy with those Treasonable Policy’s but there is no need to try so hard it will happen.
From:
Michael Foley
01 March 2022 12:34 PM
Red tape leading LL’s quitting fact. What’s the point being made here. This shows their disgraceful anti landlords Policy is having the desired affect. Didn’t understand this other nonsense about what a LL must inform Tenants, what have we being doing for years it called Tenancy Agreement that sets out Landlord & Tenants responsibilities.
From:
Michael Foley
01 March 2022 08:22 AM
We never had anti-social behaviour or over crowding before HMO licensing and when we had a proper Section 21 plus the right of access. The Police & Council’s don’t do anything about antisocial behaviour when they get complaints but blame the LL who they have made powerless and penalise him / her. The answer is Simply scrap HMO rip off schemes and reintroduce Section 21 to how it was meant to be. This is more crap they don’t know what to come up with next, will we get a 999 number. They have lost all credibility.
From:
Michael Foley
28 February 2022 07:27 AM
Decent under and carpets are a good choice for Flats it deadens the sound and reduces the transmission of noise between Flats whilst also being a good insulator, the modern laminate floors that some prefer are very noisy and prohibited by many Management CO’s Memorandum of Articles in their leases.
From:
Michael Foley
27 February 2022 18:03 PM
They are over priced stitching up young buyers and pretending to be helping them. Help 2 Buy is help for Big Developers and help for buyers to get into trouble. The no Stamp Duty & the help 2 Buy is more than gobbled up by the extra price loaded on the Flat, so there is no saving for the buyer, just as the saying goes beggars can’t be choosers, the Schemes are there to rope them in and drive us out of the way.
From:
Michael Foley
27 February 2022 09:44 AM
I don’t know what difference we can make to Climate change or EPC. The Big Developers with approval of Local Authorities have been doing all this cladding Insulation for years costing billions, now a big fight with each other about who is going to pay billions more again to take it down and put it back up, what chance have we got they couldn’t get it right themselves. I now see they have stopped using bricks again & gone back to rubbish cladding on high rise.
From:
Michael Foley
27 February 2022 07:24 AM
I find good quality anti-mould paint is always worth it. It costs about £65. for 5 litres / £12 per litre, even from the point of view of do the job because there’s a bit of body in it and covers well, it’s durable and you can be wash it down. However, I have had Tenants that took it on themselves and decided to change the colour, so they visit local DIY Store and buy 10 litres for £15 / £20 less than £2 per litre and put it over the good pain then you can end up with mould that you didn’t have before, try washing it down and it comes off on the cloth, you can’t allow for what other do.
From:
Michael Foley
26 February 2022 14:27 PM
I have paid £1.55 per litre in Esso garage this morning for Diesel.
From:
Michael Foley
26 February 2022 12:04 PM
I never understood why Council’s don’t always or sometimes take similar Domestic Waste just because it originated from a Tenant as apposed to other Domestic users, when the same full Council tax is being paid, even when I take it on their behalf I am charged, no wonder there is so much fly tipping.
From:
Michael Foley
26 February 2022 07:34 AM
Incidentally that’s £1’000. HMO Application fee increase since first introduced in 2006.
From:
Michael Foley
25 February 2022 14:56 PM
Another hike in Licensing Application fees for Ealing, previously said £1100. + £30. Per room on top would be changed to £50. per habitable room. However, now saying it will be £1300. Application + £50. per room on top for Mandatory HMO License. This means that a normal 3 bed house will be minimum £1550.00 Application fee as every room is counted as habitable including sitting / reception room (possible the kitchen if over 5.5m2). This is disgraceful behaviour by local Authority. They say it will improve the Standard of Housing, how could that possibly be so just increase fees and it will improve Standards, if a Child told you that you would give them a slap.
From:
Michael Foley
25 February 2022 14:39 PM
Andrew. I have 2 Flats, one 2 bed and one 3 bed compliant and licensed, others sold locally 2 bed £520k & 3 bed £600k but not as good as mine because they messed up the design and have to go through their bedroom to access the garden. One is let for £1200. & other for £1350. pm. So we are miles apart as regards to returns in London, pound for pound you are 2 to 3 times better off than me.
From:
Michael Foley
25 February 2022 09:48 AM
I agree Big Rent premiums on new build totally unaffordable which is why they want us out of the way, those greedy B 2 R with all Government support & tax advantages can’t compete with us which is why there is a sustained attack on traditional LL that the Tenants prefer. Government getting no SDLT from them as I understand it as they are not being sold, just how many billions are we paying and they hate us.
From:
Michael Foley
25 February 2022 08:56 AM
London smallest buy 2 let, someone is having a laugh here, newly renovated converted so called Flat, was planning permission obtained and how could it possibly be granted. When the minimum size for a one person Flat is 37m2 (398 sq ft) and they are talking about just 75 sq ft, with 10% return it couldn’t even be let out, come off it and grow up.
From:
Michael Foley
25 February 2022 08:25 AM
Another sham Consultation between themselves by people who never done it. There will be a fee of Course another money grab by people that never done anything just to see what they can get for nothing. Its not the Landlords’s that’s making noise or anti-Social Behaviour. Any laws for the Tenants committing the offence or is this the new legal reset where its not the person committing the Crime that’s Sanctioned.
From:
Michael Foley
25 February 2022 06:46 AM
Andrew if its a traditional Bungalow and being affected by additional HMO Licensing Scheme plus upgrading EPC and all the Certs required that can easily cost £5’000.00 it will take a quite a time to get it back plus loss of rent when you are doing it. The cost of material and some one to do it has shot up, you can work hard do it yourself it will be classed as un-earned Income like me up on the roof making good after Storm Eunice and Franklin trying to blow me down.
From:
Michael Foley
24 February 2022 22:23 PM
Well no hope of getting a license for this one with minimum room sizes and facilities requirements.
From:
Michael Foley
24 February 2022 11:36 AM
Of Course they are and so are Government’s Policies in England Economically illiterate as are Local Authorities, the Revenue, Shelter, Generation rent etc. They keep crippling private rented sector housing with rules, Regulation's and loading on costs, then have they cheek to complain about high rent that they are responsible for.
From:
Michael Foley
24 February 2022 06:32 AM
Mr David, great idea are they black bags.
From:
Michael Foley
23 February 2022 17:49 PM
Andrew yes I can hit any of them now in half hour as well, if there’s a problem I am there straight away no messing about. My car E class estate excellent car, always serviced also 7/8 years old 102k on the clock but it was 2 years old when I bought it, never bought a new car although I did buy new vans for work. I did use commercial loans but always with-in my means and not interest only like what many buying multiple properties did.
From:
Michael Foley
22 February 2022 18:35 PM
The broken eggs are not much good for reinvesting.
From:
Michael Foley
22 February 2022 17:06 PM
Mark, I never made the easy money it was all hard earned initially from contract work and some of the profit used to supplement providing good quality housing. The guys that made the easy money are the ones that has now caused all the problems for everyone. I believe it was the Woolwich (now defunct or gobbled up by the Halifax) that started offering buy 2 let Mortgage’s the root cause of the problems we are now all saddled with. Buy one property and as soon as there was 5% equity in it use that to purchase another and another and so on, so ending up with hundreds of properties and nothing paid for, that didn’t matter as the price of property went up sometime £50k in 6 months then they could afford to sell the odd one at a big profit to reduce their exposure. I seen them buy property at Auctions in any area any condition often hundreds of miles away. That didn’t matter they had no intention of spending money on them just Let them out and easily under cut the Market a little bit. Those are now millionaires the so called professionals of today dictating what we should all be doing they are so smug never having done anything to earn a crust, I defy you to tell me that I am wrong.
From:
Michael Foley
22 February 2022 16:54 PM
Christopher, spare a thought you are lucky to have spread sheets. I have only shoe boxes can you begin to imagine the administration burden that has been placed unjustifiably on me. So it’s nothing to do with quality affordable housing anymore, what should be supplementary to a business is now being use to destroy it. I have been a Landlord longer than anyone I know and fought for Section 21, without which none of you would be a LL’s and no Computers at that time either, now making it so it can function without it. Put that in pipe and smoke it.
From:
Michael Foley
22 February 2022 07:01 AM
David, agree landlord never going to get justice from a rent Officer or Tribunal that’s well established. When ever I see your name it reminds me of another wonderful man David Saunders former Chairman of NLA sadly no longer with us.
From:
Michael Foley
21 February 2022 20:48 PM
Why don’t HMRC make it monthly then the Tenants can pay the rent directly into the Revenue’s Account and be done with it, let the Revenue pay for the Mortgage’s, maintenance. Licensing, fix the washing machine, Deal with Deposits, get the gas done, get DICR, EPC’s, all the other requirements see how the go on, no problem they call all this unearned income, work that one out. Its all becomes farce.
From:
Michael Foley
21 February 2022 18:33 PM
Its more & more Digital University hands off LL only ever capable of IT so called work, to exclude traditional proper LL’s hands on proper LL’s. Her Majesty got it right she prefers people that do it, not the people that talk about it.
From:
Michael Foley
21 February 2022 18:19 PM
I don’t extra or any at all when you are a LL its all considered unearned income. It is in fact hard earned but they mark it down as zero very good of them we are not classed as a business just Rogue’s. That’s extremely dangerous work cutting up fallen trees I have known a couple of guys who lost their lives. Cable still alive and another case it wasn’t an electric cable at all but only a telephone cable, not knowing a live electric cable was touching up the line.
From:
Michael Foley
19 February 2022 17:25 PM
It was brutal this time so much damage everywhere also a lot of fences down but we kind of expect that.
From:
Michael Foley
19 February 2022 16:35 PM
John’s good side out and carry on. I am working since 15 and now 75, upon 2 different tile roofs today attending to no less than 8 No, gaping hole in roofs thanks to Storm Eunice, luckily enough I had a few hundred matching tile in stock from a demolition job also a full line of hip ridges gone as well and damaged Flat below. (that will have to wait for another time maybe try dry ridge system) Mad rush and just beat the rain in time. The main thing is no one injured. I would Like to see those Regulators or Digital Academics try this ladder work in emergency, they would eat it first. Better stay in their ivory towers making rules with their buttons or rubbing their finger on a piece of glass and ripping everyone off.
From:
Michael Foley
19 February 2022 13:50 PM
John, agree Wales is worse with less rent and even more draconian regulation’s as well as 6 months possession notice required at least we are back to 2 months notice since last October.
From:
Michael Foley
18 February 2022 17:56 PM
Severe Weather warning they are a bit slow off the mark they haven’t blamed Landlords for it yet.
From:
Michael Foley
18 February 2022 08:16 AM
The Landlord should have his own term & conditions and the Tenants to sign a Disclaimer that they are accepting the Property the way it is or don’t move in. All this Mayor’s nonsense occupy the property and use at the facilities for a year then turn around and look for 2 years money back disgraceful behaviour.
From:
Michael Foley
17 February 2022 17:07 PM
What Planet is Khan on or how big a lie can he tell. Who is paying £1425.00 per month no one. This covers at least 3 sharers in a Flat or in my case 4 sharing a 3 bed licensed Flat in Acton @ £1’350. pm. How do you go about making £34k pa out of that, so this is more like £4k each annual Rent each not £34k for someone to mislead the Public so much is not fit for Office. Why would Council staff need training its a bit too late for that, considering they have been allowed to dish out landlord Penalties up to £30’000.00 without any training or Court, have they got the cart before to Horse.
From:
Michael Foley
17 February 2022 15:15 PM
Their answer to Housing is to destroy those who supply it, how does that work.
From:
Michael Foley
17 February 2022 09:29 AM
What ever we think about Trump, he had a dim view of the Mayor he had him taper alright.
From:
Michael Foley
17 February 2022 09:24 AM
They never refer to Private Landlords without derogatory remarks. They cannot bring themselves to mention Landlords without calling them Rogues. We have Rogue Mayors ripping people off, putting costs and levy’s on everyone and out of control, apparently accountable to no one.
From:
Michael Foley
17 February 2022 09:02 AM
So we might have to turn away some Polish people but encourage to accept Ukrainian, not that I have anything against either.
From:
Michael Foley
16 February 2022 18:28 PM
I suppose I have self inflicted rent controls, all my rents except one are below market Rents. I have a house in Ealing where the Rent hasn’t increased in 20 years fact. In this time I have had to absorb several Regulatory costs and fees, HMO License twice and all the stuff associated with it, the hike in taxes, removal of 10% wear & tear, the removal of Deposits I don’t have now as the liability is worse than no Deposit, 20 years ago I had 6 weeks Deposit. I have the Tenancy Agreements to prove it.
From:
Michael Foley
16 February 2022 11:41 AM
I think Government should step in and sack the Mayor of London & Bristol run it from Central Government to prevent further damage to the economy and Law & Order, lady Thatcher soon put a stop to County Hall, although I wasn’t her biggest fan, she got that right and was right about the poll tax too look how unfair it is now with some carrying all the burden while other pays nothing.
From:
Michael Foley
16 February 2022 08:51 AM
Government has stepped up pressure on LL’s to House more refugees who have already provided homes for 4’000 Afghan refugees at Government house allowance mostly by sound of it. HMO’s licensed property that Government forced LL’s to have, convert or adopt not acceptable to their culture, must be self-contained with no sharing of facilities, it seems fine for the indigenous population. Victoria should step up pressure on the high rise Developers and stick then up there no shortage of them some 52 storey in Acton nearing completion, just a mile along the same road as Grenfell 22 Storey Block that was too high for Fire brigade to deal with. Although housing Allowance won’t come near their prices so force private Sector LL to have them instead with a cap. Why don’t Government Cap the price of high rise Flats in the Sky (£400 k/ £600k) un-affordable homes instead of subsidising their purchase.
From:
Michael Foley
16 February 2022 08:10 AM
Sally, just leave it between LL & Tenant to agree or disagree we are supposed to live in a Democracy and a free Country not constant interference, everything been forced upon us by Statute and not allowed to run our own business, Night all.
From:
Michael Foley
16 February 2022 00:11 AM
Sally, its not as if I never had Tenants with an animal dog or cat (many other species as well) so it not as if it’s a new subject. I had a new detached house that I Built in Croydon recked by the Tenants and their dogs, the place was a disgrace carpet’s destroyed, 3 piece suite ruined & full of hairs and fleas, furniture damaged, doors chewed, you couldn’t walk in the garden with poo every where, Wheels Bin stunk, not isolated cases either I have had plenty of other exploits as well including neighbours complaining about barking when left unattended etc, I don’t need to experience it again to know and a lot more besides, at the same time I draw a clear distinction between humans & animals they cannot be classed as if the same. I am sorry you feel aggrieved but not only Tenants have emotional feeling LL do as well, although the Regulators don’t seem to think so.
From:
Michael Foley
15 February 2022 22:44 PM
So they want pets buy their own property I don’t want them in my rented property. I don’t dislike animals but there is a big difference between people looking after animals in rented property as apposed to their own. The same goes for most things that belongs to someone else, you’ll all know I am right if belongs to others or even friends borrowed something from you, as often as not when you get it back it will be broke or something missing. Same goes for letting Its only the LL’s property let him worry about it.
From:
Michael Foley
15 February 2022 21:14 PM
Tricia, so £92m divided by 198 units = £464k costs each, that’s very high cost I would like to be tho Developers, you can buy a house in Dagenham for that or 2 Flats.
From:
Michael Foley
14 February 2022 17:20 PM
Well if a couple are a working family it might not be affordable for them , having to pay for everything, get No Children's allowance, pay for nursery fees, School Uniforms, full Council Tax and a range of other services with no discount. On the other hand they might be on benefits with a Housing Association where the Association is exempt from many rules & costs. They might be with the Council’s where no HMO license is required or income tax to pay as I understand it, that worth 20% so they are not cheaper at all. Plus those Tenants will have a range of discounts, subsidies, school meals even when not at school. So again is it the type of Tenants is deciding factor as to whether a property it’s affordable or not.
From:
Michael Foley
14 February 2022 17:06 PM
Will the 35% affordable stated be available as affordable when completed or sold back to the Developer. This has happened in other Borough’s but admittedly were not R2R. Council lavishing praise on this rent 2 rent Developer with £93m pension fund of course they were stuck and no where to put thy money only muscle in on private Landlords that has been providing this accommodation for decades. They talk a great deal about Discrimination I don’t see the Council’s giving us any praise for all we have done in the past. I think they are missing a trick here to there will be no Stamp Duty Land Tax here as no sale. How much revenue is this lost, as sold property to let attracts to higher rate of SD, for example on a Flat or House sold for letting on a £500k property purchase commands SDLT tax of £30k so work out this loss on £93 million.
From:
Michael Foley
14 February 2022 10:41 AM
Of Course the LL should have had Safety Certificates. It was a complaint from a Tenant to HSE but then remained uncontactable I wonder why ?. I can’t understand why the LL would be uncontactable 15 Flats occupants must have his details and he had previously attended Court. The HSE were able to access multiple flats because I suspect the doors were open wide, a far cry from when the LL wants access.
From:
Michael Foley
14 February 2022 09:06 AM
Anti-Discrimination Guide forgot to mention don’t discriminate against Landlords, treat them differently or less favourably because of the different type of person they might Rent to. Require Landlords to have a License for people who are not in a family situation but do not required a License for people who are a family or more often a vaguely connected family. It has to be wrong to be required to have a License for a Property according to the type of persons you Rent to, so its the type of persons that you Rent to that requires you to comply with conditions that don’t apply to other Landlords or a determining factor as to whether you are Law abiding or a Criminal, if this is not Discrimination what is.
From:
Michael Foley
14 February 2022 08:06 AM
Its Dickens Yard you can possibly get one bed Flat for £500’000.00 or a 2 bed one currently for sale 75m2 asking price £920’000.00 no wonder they didn’t want any affordable.
From:
Michael Foley
13 February 2022 20:23 PM
Trevor, you can’t believe the figures or the Council’s either they talk about affordable homes but they sell off new build affordable homes to the Developers that build them. Like Alexandra Avenue, ex Public House in Harrow. Got permission to over Develop site for 61 flats with a promise to include 12 affordable Flats. I understand they got permission for more but just as example. When they were finished they gave Council a cash amount to change status of affordable to sell / rent as shared ownership, what a joke which means no affordable housing. Flats sold prices £390k average. Ealing Broadway part of new Development same nonsense sometime back 59 affordable Flats included in the Planning Scheme but when they were finished they were sold back to the Developer so again no affordable housing and reported in the papers at that time a loss to the Borough and tax payers of £20 millions approx. I won’t bothered to mention the huge price of those Flats check sold prices for yourself. It will take a lot of LL fixed penalties to recover that. I am not suggesting those are isolated cases.
From:
Michael Foley
13 February 2022 19:40 PM
London is the ultimate Investment City is the guy who wrote this Article feeling ok. London is the worst place to invest he recognises property is double the price and therefore it follows double the Stamp Duty and should have double the returns but it’s other way around my returns in London are around 3% while in other parts ok UK returns 6% / 8% is more common and I recon property in other parts are often one third of London. We are hammered with more and higher cost Regulation’s that don’t apply to other parts of UK plus higher fees & Council Tax, so pound for pound we are far worse off than other Towns or City’s, so Mr Gove get your facts right and level up London. Max is right I’ll give him this one as regards Bolton it is a relatively small Town in Lancashire or call it Greater Manchester but to me it seemed as near to Liverpool when I worked there Watson’s Steel Fabrications was the backbone of the place and great people to do business with god rest you Phillip Green one of the best, I understand its been sold off or taken over since either way probably a loss to the area.
From:
Michael Foley
12 February 2022 14:36 PM
It’s all bureaucracy as said all those guys in suits make rules for us, we are hands on Landlords we live and breath it with a passion. Those guys never done it never will do it and couldn’t, yet they are there making the rules and calling all the shots. I see first class trades or professional people doing their job for 40 years but now have do regular repeat Courses to learn how to do it or learn what someone has dreamt up that can’t do it themselves. Its a bit like Landlord Accreditation Schemes now making it almost compulsory even though we were doing it before some were born, they’ll know best like the Mayor getting rid of Chief of Police, he should have say in the matter or allowed to interfere with the law and should resign.
From:
Michael Foley
12 February 2022 10:15 AM
Jo, the codes are another nuisance and a layer of unpaid stuff to deal with. When you have sharers you get all their identifications passports etc ready to sign Contract then someone code don’t go through its a complete stop for everyone. The codes are genuine to start with but only have a life span of a month as I understand it, and they have to re-apply for a other code, please correct me, they are just making everything impossible.
From:
Michael Foley
11 February 2022 22:59 PM
jacuk, very sad to see you being forced out which is what it is. As you have unloaded some try and hang on in there if your borrowing is not too. Shares have been good but now risky too in those difficult times for everyone, like Mark Zuckerberg Company taking a $200’b hit in 5 hrs and costing him a reported $29 billion. Just bear in mind you are taking a hit on the way out and no guarantee with shares either at this time of high Inflation 7%, BoE interest rate gone from .01 to .5% of a sudden, now you got rid of some take a step back and have a think.
From:
Michael Foley
11 February 2022 17:34 PM
Simon, I confess my experience is different when ever I advertise a property a dozen Agents will be contacting me immediately. When I am not advertising they will contact me periodically to see if I have anything available. Other than this I have letters virtually every week looking for my HMO’s offering guaranteed rent & 5 years Contracts that I never take up. I believe it’s sub-letting and Rent 2 Rent guys money for old rope, they make more than you and own nothing you’ll be the fall guy if it goes wrong or might even invalidate your Insurance. They get our Names & Address from the Council’s HMO Register, (do they buy) so much for data protection Act & privacy policies.
From:
Michael Foley
11 February 2022 12:36 PM
The Regulators keep telling us what we must accept, where’s our say. I noticed they have one already that they are not supposed to have, 20 little bags of poo outside back door rubbish piled on top where the bin men don’t collect, they collect the bins from the front. The bins also poo stuck inside the bottom of the bin, that’s alright then fine the LL for been so stupid to provide the accommodation, keep LL’s out at all costs we’ll do whatever we want.
From:
Michael Foley
11 February 2022 12:16 PM
Reading this it makes me wonder what side NRLA are on more attack and clamp down on LL’s. I think we were better off with NLA before we were hi-jacked when we had good fair minded people to stand up for us, come back Mr Richard Lambert former Chief Executive Officer of NLA we have been sold down the river .
From:
Michael Foley
11 February 2022 09:18 AM
James, my friend don’t agree and as for increasing rents are you still in denial of the desperate economic situation we are in, I am acutely aware and some of my rents haven’t gone up in years. Corona was also a big hit have you not noticed thousands of businesses gone to the wall, now inflation running at 7%. Separately I seen LL’s in many cases when the squeeze came with the virus only benefits Tenants could pay the rent ?.
From:
Michael Foley
11 February 2022 07:46 AM
Sir Thomas Moore fund raising for NHS £33m amazing and fantastic, now question been raised about the huge amounts of fee that were charged, there you go.
From:
Michael Foley
10 February 2022 17:08 PM
Yes we drank pints when they were cheap but the quality was much better out of timber barrels, not out of aluminium kegs and loads of chemicals added, its now akin to poison at £4.50 a pint.
From:
Michael Foley
10 February 2022 15:53 PM
James, my friend yes you are missing owners rights, what does owner mean, you take the plunge and a huge financial burden, to be dictated to and pass all rights to strangers basically with no input whatsoever and the right to remain in perpetuity, That’s the bit you at missing.
From:
Michael Foley
10 February 2022 15:00 PM
I was told before if I left 4% to a Registered it would save 10% on tax, what kind of corruption is that can anyone verify or is this business all secrets and jump through hoops. I would rather flush it down the pan after what they done to us.
From:
Michael Foley
10 February 2022 14:05 PM
Estate’s over £2m all allowance washed out for Grave Yard purposes very relevant in London.
From:
Michael Foley
10 February 2022 12:15 PM
I don’t see it that way what was all the work, sacrifices and efforts for ?, if we are not worried what happens to it why would we have done it in the first place other than to help our families which is every parents goal / Bank of Mom & Dad. I worked 59 years 7 days a week & still working now harassed by local Authorities what for, paid endless taxes but not for me, if not for family what’s it for, it’s more than my primary needs why do anything.
From:
Michael Foley
10 February 2022 12:11 PM
Tricia, I don’t think so pay 28% c/gains now you’ll still pay 40% IHT on the balance, you could give it away now pay the c/gains under the 7 years rule (which is only 4 years they don’t count the first 3 years) so if you die after 3 years you’ll have wasted your money it will come back into your Estate for IHT purposes, (just a layman point of view).
From:
Michael Foley
10 February 2022 09:44 AM
Sorry but as I understand it is 28% for 40% tax payers. Personal shares allowance kind of thing is going to be cut according to reports is £2k for dividends, anyway regarding property its not going to help you much.
From:
Michael Foley
10 February 2022 09:22 AM
Ok you are not nailed to the cross but in a snare. Capital gains has to be paid as you rightly say but that ends your investment and finished you as a landlord, you are being forced out of Private Rented Sector its as simple as that. I was unfortunate enough to own a house a bit too far away (10 miles) that became difficult to manage with troublesome Tenants so I sold with the intention of buying one closer to home, guess what it doesn’t work when the Capital gains tax, Agents fees and other costs are taken out, there’s not enough left to buy anything. So some think as well they can sell their non compliant EPC property and buy one that is, take note not a hope.
From:
Michael Foley
10 February 2022 09:08 AM
I too believe there won’t be a mass exodus because we are nailed to the cross. How do you get off this merry go around if you sell c/gains there to prevent you and if Government sees too many leaving they will raise the barrier namely c/gains from the current special high 28% for LL’s only to 40%. to keep us there to be able to torture us in the future. Of Course it has stopped us investing already which means it will end up stagnation and back to 1960’s sitting Tenants and your property prices half due to loss of control / ownership. Why would I purchase a property for someone else to have as long as they want or walk away while I have no say and responsible for everything, no confidence left you’ll know the consequences of this one.
From:
Michael Foley
10 February 2022 08:32 AM
A waste of time for sure like British Gas who once gave me a Boiler quote £900. over the top, yes Grants a non starter wasting everyone time and money.
From:
Michael Foley
09 February 2022 19:33 PM
Busy today didn’t have time to change my mind. Green Home Grant in London a bit of a non starter the way I read it. Suppose to be £26m between 13 L’don Boroughs going to improve 2500 homes with 66% of a Grant / £5k per property plus LL’s £2.5k making £7.5k total. So even those figures don’t seem to add up / £5k x 2500 = £12’500’000 well £12.5m is not & 26m. Anyway its not available to working Tenants according to the rules set. The Property household to be eligible has to have an income under £30k pa. Therefore even 2 working Shares on the London minimum wage will be well above this threshold, so its only for Benefit claimants. The Council says they are so excited about this Scheme my goodness it easy to excite them. Perhaps someone can enlighten me I can’t get excited at all.
From:
Michael Foley
09 February 2022 18:41 PM
I used to get a pint of Tetley Walker for 2s-2d in The Railway Pub Boston, Lincs, or the Great Nothern more expensive but I could have a gallon every night for a pound. I’d probably have to pay c/gains on it now.
From:
Michael Foley
08 February 2022 18:14 PM
Christopher Pincher has been moved, what pincher are we going to get next. Remove Renters Reform Bill or Collapse the Economy simple choice.
From:
Michael Foley
08 February 2022 17:35 PM
Its not just huge EPC costs. The 6 major Banks are passing on the full .25% interest rate rise. The LL’s are the only one not allowed to pass on their costs.
From:
Michael Foley
08 February 2022 12:22 PM
This is exactly what’s behind it all they want us out for big Build 2 Rent owners & Developers to take over with their High Rise flats in the Sky. The traditional buildings are much better quality than their rubbish. I see they are gone back to Cladding again on New Build, they changed to Bricks briefly after Grenfell that didn’t last long did it, back to rubbish Buildings just lumps of polyurethane foam.
From:
Michael Foley
08 February 2022 11:50 AM
I am not going to try to defend the LL’s because I know nothing about the cases. Any LL must know to keep well clear of Alfred Place.
From:
Michael Foley
08 February 2022 09:15 AM
Have they increased at all, is the real value of the pound gone down that much or the price of the brick gone up.
From:
Michael Foley
08 February 2022 08:48 AM
Did it not say how many years of appreciation they are referring to or do they not consider that relevant.
From:
Michael Foley
07 February 2022 14:15 PM
Naomi, I expect it will be like the HM0 exemption’s, the people that’s now running the Civic Centre’s exempted their own Kip & kin no other explanation, don’t expect anyone who gets mees exemption to make a comment they’ll be staying quiet.
From:
Michael Foley
07 February 2022 12:47 PM
Croydon spent £67m on mismanagement straddling tax payers with this massive Bill, a Company supposed to be owned by Council called Brick by Brick and money down the drain, a few heads rolled and Government bail out of £120m, that’s alright then.
From:
Michael Foley
07 February 2022 09:53 AM
It’s not as I haven’t been improving the Properties its non stop for decades and before EPC’s were heard off. Add to that the HMO’s licensing costs again & again 2006 / 2011 / 2016 & 2021, Martin didn’t mention how much he has spent on those or how many Licenses he was required to get completely different work and requirements costs to EPC’s and I have at least 6 EPC’s that are ‘C’ or better. The computers & internet has caused most problems creating millions of people playing with there buttons instead of doing a days work causing problems, when S 21 was introduced there was no internet, and we wrote to Marsham St, or they had an actual working phone number to make contact with them.
From:
Michael Foley
07 February 2022 09:11 AM
Martin, re-posts same nonsense comment whether because of laziness or for annoyance. The definition of a professional is someone that looks down their noses at us and does nothing, let someone else do it and rip us off.
From:
Michael Foley
07 February 2022 08:36 AM
Nothing new about this from what I remember Mr John Prescott had a Contractor doing this years ago. Then the Contractor go smart and realised what he was loosing by not doing it on open market and that was end of that. This time might be different my friend was a foreman with them 50 years ago with all their own direct labour, now I understand different kettle of fish with everything sublet out more Contract management dare I say.
From:
Michael Foley
07 February 2022 05:26 AM
LL’s face massive Bills to meet EPC efficiency, what’s new we are loaded with massive Bills for everything anyway. 27% don’t know their EPC, pull the other one it’s got bells on. It’s a legal Requirement to give a copy to Tenants with the Contact, hmm would they not have noticed what it was when making or giving them a copy and it’s a public Registrar. There is now going to be a massive increase in energy efficiency EPC or not with the doubling of energy Bills, get hold of that Stat’ it will save more than any Insulation.
From:
Michael Foley
07 February 2022 05:07 AM
David I agree the removal of Section 21, is massive and a vote of no confidence for me in purchasing a property under those restrictions. The removal of S.21 is not just loss of control but a big red line and Tantamount to confiscation and Loss of ownership.
From:
Michael Foley
06 February 2022 19:34 PM
When they go outside the air will be the same, can they hire the oxygen bottle.
From:
Michael Foley
06 February 2022 09:10 AM
Exactly what do they think we are, we are not Social Security. We can’t house people as the Council do who are funded with tax payers money, no income tax, HMO’s licensing or penalties for them. Their own wages too holiday pay. Pensions Schemes etc.
From:
Michael Foley
05 February 2022 15:04 PM
That’s easy then we will set the Ivy.
From:
Michael Foley
05 February 2022 11:26 AM
We need savers and very young savers as well to get them into the idea of saving which is crucial later in life. Then the economy can work others can borrow this for business and put to good use. We now have a generation after grown up on credit no nothing else or savvy about the little money they have. I always saved half my wages in the 60’s it might only be £1’000 per year but it went in to post office saving Acc’ every Saturday evening. Savers now made a mockery of, say in recent years you had savings at Bank sitting there all year with no return and Property went up 10% your savings lost 10%. (Middlesbrough scored).
From:
Michael Foley
04 February 2022 21:30 PM
I don’t want to say I told you so but I have been banging away about this for a long time. The Interest rate should never have come that low ever. Driving property prices mad the place was wash with cheap money not sustainable. BoE given freedom to change interest to control inflation ?, never going to work long term only to Abolish Savers and add them to the problem…. How many opportunities did they miss, they were bringing interest rates down when it should have been going up. Ok now expect all the people you roped in to over priced property by collusion, SDLT manipulation and ponzu Schemes some for 35 years to be able to pay and cope by magic, what’s all this education you keep on about their mentor’s not very good.
From:
Michael Foley
04 February 2022 19:49 PM
Removal of Section 21 hit a sore nerve, what does Mr M Gove know about housing but nothing they are switching their jobs around from one Department to another interfering with businesses they know nothing about, all they can do is talk talk. We had over 10’000. hits on here regarding Section 21 what other subject generates that kind of interest.
From:
Michael Foley
04 February 2022 16:14 PM
Bill, yes we do and 40% tax payers at that’s a substantial amount twice a year.
From:
Michael Foley
04 February 2022 15:43 PM
Croydon Council is a good example how not to run a business. The 32 Borough’s wouldn’t last a week if they had to run it like a private business. The Council’s are there to serve the Public but now it turns out we are their servants.
From:
Michael Foley
04 February 2022 11:03 AM
They already invented a higher rate capital gains tax especially for us, plus scrapped indexation relief and tapered relief, so it is tax on inflation.
From:
Michael Foley
04 February 2022 10:29 AM
I believe they would but there’s the issue of trust, nothing to stop them down the line finding fault and getting a rent repayment order to claim their money back, also any tax you paid the mean time they keep that as well, when I posed the question in front of thousands at Brent Civic Centre that was the reply by Rudolph head of the Sector there.
From:
Michael Foley
04 February 2022 09:36 AM
Imagine that private rented sector worth £1.7 trillion built on a small foundation that we created when you were making a horse out of the dog, namely Section 21, so now you are removing the foundation before which there was no residential letting, careful now it might end up like Zuckerberg Shares you might be increasing c/gains tax on froth & bubbles.
From:
Michael Foley
04 February 2022 09:03 AM
The Council’s are not helping the situation by pushing LL’s off the edge of a cliff, then turn around and ask for his help.
From:
Michael Foley
04 February 2022 08:40 AM
It’s all hype anyone listening to this Company is worse with their digital everything, bullying me as a traditional LL who housed 3 former Tenants at different stages when looking to be placed in other areas I refuse to deal with them anymore. There is no shortage of housing, voids are caused by movement of Tenants, some are normal movement but these are not normal times. I had 5 properties become vacant in last year & half due to Corona and the knock on from Brexit, never happened before of a sudden, obviously not increasing demand or putting pressure on housing as some left the Uk & not returning. I dispute the average London rent as false, I disagree with the comparisons between London & North East rents without also comparing the purchase price of property in both areas, where London property prices are 4 times higher than North East, now sing another time.
From:
Michael Foley
04 February 2022 08:18 AM
According to what I read before on NRLA there was 152 pieces of legislation governing private rented sector but Mrs Google’s say over 200, how can any LL be expected to cope with that amount of bull sugar.
From:
Michael Foley
03 February 2022 19:17 PM
I have come across a Mr John Thompson, coincidence is stranger than fiction sometimes but he was an Estate Agent.
From:
Michael Foley
03 February 2022 18:40 PM
John. you are not bothered about removal of Section 21 good for you but don’t drag the rest of us down with you. I want control of my Property who lives there and for how long it my Property. What are you waiting for do us all a favour and go now, there is a Contract ready and waiting for you its called an Assured Tenancy get stuck with them and enjoy them for ever. Enjoy the Collapse.
From:
Michael Foley
03 February 2022 14:05 PM
I still have a copy of the previous Green Paper called “The Legislative Framework for Private Renting“ follow the 1988 Act which came into Force 15th January 1989 when all Tenancies became Assured Shorthold Tenancies (unless otherwise covered by Schedule 1 of the Act) unless I as understood was people who already had an Assured Tenancy. The point that I feel is being missed here is we keep banging on about the remnants left of Section 21 and of course we all know it has been depleted to almost useless as regards the eviction process. However it not just this that’s being scrapped but by implication bang goes all Assured Shorthold Tenancies that I fought so hard for and lobbied MP’s and Ministers all those years ago for when there was no Buy 2 Let Market or Mortgage’s, what ever few of us that was there then used Commercial Loans. Please wake up and realise what is happening to the ownership of your property and what many of you worked hard for to achieve.
From:
Michael Foley
03 February 2022 11:00 AM
The door is open. No one is being Forced to live there. I thought they were complaining about being Forced out.
From:
Michael Foley
03 February 2022 10:11 AM
Honestly what’s it got to do with them whether we want to keep or sell our Property, none of their business, we didn’t need get any of their advice or financial support why we bought, what now gives them the right to dictate to us what we can or can’t with our Property, excuse me what does ownership mean does it mean you own the Freehold/ Leasehold Property that I bought you parasites.
From:
Michael Foley
02 February 2022 20:28 PM
Andy M. I was paying 15% as well and worse the rent wasn’t getting paid. The biggest mistake was handing BoE control of interest rates. The base rate was rarely below 5% which meant savers had an incentive to save but that’s now gone meaning young don’t save anymore. Savers were abolished over night causing massive problem for housing market everyone that had savings were getting no return & all went buying property that they didn’t necessarily need or want all bidding against each other driving prices through the roof making property unaffordable false economy. Yes we do factor in maintenance but the other unjustified costs couldn’t be that applies to some LL’s but not others, we have 2 Tier Statute law it must be what they call justice namely HMO LICENSING call that £4k with all the trades required + Council’s fees for fun £1200. + to £1400.depending on the L’don Borough, no exaggeration here.
From:
Michael Foley
02 February 2022 18:39 PM
Amazing 6’739 read the Article the last time I looked and rising so fast, yet only 49 comments but some were duplicated like mine 7, A T, 5, J Mc 3, Da 2, Rob’ 2, so that leaves 6’730 sitting on their hands waiting to see what happens, nothing has changed then you must be all those Professionals they keep on about, you deserved what you get.
From:
Michael Foley
02 February 2022 16:45 PM
So sorry for ever been a LL as I have said before and not many longer term than me having been a LL since 1978 but not exclusively either and done other works which I had to abandon because of heavy tax burden for small companies, it was monstrous you had to beat the competition to get contract then kill yourself to make anything. I am sorry for my labour, the property I improved, the houses I built, the taxes I paid. What on earth for what difference would it have made to me, not to have done any of this. The hard work done the Sacrifices made to become second class citizen. I have been so stupid stupid.
From:
Michael Foley
02 February 2022 15:10 PM
Your Article 20th July 2021. Generation Rent were calling for a Ban on all Section 24 Evictions. They didn’t even know the difference between Section 24 and Section 21. Now they have the ear of the Government and publishing Government decisions even before the Housing Secretary Mr Michael Gove has the opportunity to announce them. That’s the amount of corruption, collusion and conspiracy that is going on, we are ignored what does it matter about us, we are only the owners.
From:
Michael Foley
02 February 2022 11:10 AM
Article 20th July’21 where Generation Rent where calling for a stop to Section 24 Eviction Bans. Generation Rent getting Laws changed and didn’t know the difference between Section 21 & Section 24. They were now able to announce Eviction Ban to Public before the Minister. This is corruption, collusion and conspiracy.
From:
Michael Foley
02 February 2022 10:32 AM
The guy in the photo lying on the Street will still be there, no will move out to let him in.
From:
Michael Foley
02 February 2022 10:14 AM
Life time Tenancies but they can walk away anytime they like. Unfair Contracts the Contract should apply to both parties not just one which is what’s being proposed here.
From:
Michael Foley
02 February 2022 10:07 AM
Zoe’s Airbnb the rating system can be flawed and I seen it first hand locally. It was poor accommodation really and using their phone light to see where they were going on the broken path, no one there to welcome them but the key left in outside numbered little box to let themselves in. Parking stated in the advertisement but that space occupied by owners car. Later I seen the guest had given them 5 star and they had got 5 star, benefitting both parties.
From:
Michael Foley
02 February 2022 09:32 AM
STAMP DUTY LAND TAX special treatment for landlords er’
From:
Michael Foley
02 February 2022 08:31 AM
Rogue Regulators again having a laugh, how many times have it been said buying a property one of the biggest decisions of your life. Roll on save a huge Deposit sign up and tie a noose around your neck for 25 year loan, pay tax on your investment, pay tax on loan interest, pay the Tenant for protection their Deposit, pay insurance Company to Insure it, pay Rogue Council’s for licensing Schemes, pay Accountant fees + vat, pay letting Agents + vat, pay Solicitors + vat, pay electric man for annual & 5 yearly Certificate’s, pay gas man for break downs and annual Service, pay for EPC & up grading, pay for ICO’s, pay for right to rent, etc lots more. So let me get this right you do all this & more including removing the rubbish they have thrown in the back garden. Then a guy comes in off the Street takes up occupancy with no in-put whatsoever and you are required to hand over your property to him and the right to remain indefinitely. How can a Government become so infested with morons.
From:
Michael Foley
02 February 2022 08:29 AM
Is this Mr Michael Gove or Mr John McDonnell I can’t tell to different.
From:
Michael Foley
02 February 2022 03:32 AM
Thank you Mr Gove you are very generous with tax pay money, just another £1.5b for the big Developers I knew what they were doing was not sustainable. Government will not let them fail keep throwing money at them, keep rubbing butter on fat pigs bum. I knew it was only a matter of time before we got Nationalised and this is it what else is it.
From:
Michael Foley
02 February 2022 03:19 AM
Jahan, exactly if not them running it, it will be a Subsidiary or Associated Company, another little gold mine we have learned this one.
From:
Michael Foley
01 February 2022 11:47 AM
Will it apply to Company LL’s or just individual LL’s. I think all LL’s are Registered already don’t we have to make tax return and have a tax file number, every property Registered for C/tax, if you are in a regular job and have property let aren’t you required to file Self-assessment return. Either way they have all the information already even the hooky LL letting to Benefit Claimants, they’ll also know the address and owner of the property where they live. No point in mentioning HMO licensing that’s a mountain of bureaucracy on its own.
From:
Michael Foley
01 February 2022 09:04 AM
Who cares anymore what you do we are sick of you and being unfairly treated, it will not just affect letting Landlords but all Houses and Home owners including your parents property enjoy the collapse, go to A & E get that foot seen to. I feel sorry for the the first time buyers that were roped-in to Schemes becoming stuck with over priced priced properties.
From:
Michael Foley
01 February 2022 07:45 AM
£50.00 Skip permit add that to skip cost but only skip Company can apply.
From:
Michael Foley
31 January 2022 20:57 PM
Of Course it has to be removed promptly I do it all the time at my own cost which is expensive. The Council’s won’t let me use the dump they call it Commercial waste and is Chargeable ever thought full C/tax is charged on the property, now how can they justify that, hence the Borough regularly fly tipped, but they have no qualms about sending out Council worker’s to clear it. £100. don’t do anything in London because of tipping charges, if you can get a licensed small rubbish remover with his little tipped truck then minimum charge is £280.00 add £20 on top for any mattress they might have discarded. A Skip is similar cost but you won’t have any extra manpower to help fill it and have to apply to Council for permission to place the skip and pay a large fee which varies for each Borough.
From:
Michael Foley
31 January 2022 19:59 PM
Jackie my friend not a hope its all wishful thinking with greatest respect to you. The HMO’s primary purpose is to gather £b’s for Local Authority’s and Government, don’t rise an eye brow or get slapped down £30k penalty, the punishment must fit the crime.
From:
Michael Foley
31 January 2022 16:31 PM
We have Data Protection Act and ICO’s that we already pay annual fee for the privilege. Amazing now you want a Register and we can pay for this to tell them what’s being protected by the Data Protection Act.
From:
Michael Foley
31 January 2022 15:19 PM
Algarve, I suppose you have loads of HMO License’s and renewed 3 times for most part, Then again maybe not or any so nothing wrong with registration and redress Schemes then what for, when some Borough are taken up to £20m out of Private Rented Sector then complain about affordable housing, some LL’s not yet affected are feeling comfortable. I hope it stays fine for you.
From:
Michael Foley
31 January 2022 15:00 PM
Well best practice only works in your property where Tenants are good no problem, when you get lumbered with bad Tenants its no different what you do everything will be wrong, a bit like the Occupants that keep the place nice & tidy instead of the ones can’t even be bothered to put rubbish out in the bins for collection but throw it in back garden.
From:
Michael Foley
31 January 2022 14:41 PM
Andrew not a hope on this one of increasing rents. Government has already raided the piggy banks. Tenants can’t sustain current rents and the desperate economic situation now facing the Country. They seem to be more concerned about a few drinks topping out at Christmas in No 10’s back garden than sleep walking into a war situation.
From:
Michael Foley
31 January 2022 12:58 PM
Sorry I should have mentioned the 12% tax take on the Insurance premiums (used to be 5%) as a penalty instead of encouraging people to Insure their property.
From:
Michael Foley
31 January 2022 09:04 AM
Why has it taken so long to raise this issue and its not just Blocks of Flats, its traditional 2 storey houses as well. We used to have very good Policy’s from long standing Insurance Companies before the letting Market was interfered with forcing LL’s to switch to so called Specialist Providers. The result is higher premiums and less cover, more terms & conditions added every year plus more exclusions. Where is the competition now charge more than one an other. Check out their pay outs or highest pay out of the gravy train. I haven’t had one claim in over 40 years yet many of my normal 2 storey houses are £500. / £600 pa. God help us if we have a claim don’t hold your breath.
From:
Michael Foley
31 January 2022 08:54 AM
They only want us removed to fill their friends Build 2 Rent high rise Flats that a bit obvious to me, can they cap Their Rents.
From:
Michael Foley
29 January 2022 12:05 PM
We are hardly worried about the competition when they are charging about 30% more and a squeeze coming every penny counts. What is worrying is the un-level playing field could the levelling up Minister fix that.
From:
Michael Foley
29 January 2022 11:59 AM
This Lady doesn’t know what she is talking about. We respect and help our Tenants who ever they might be regardless of age gender or nationality. This is exactly what’s wrong with letting people like her all outsiders interference trying to make a name for themselves carve out a soft living, anymore for band wagon, but no need to worry the big fat boys are coming to your rescue with purpose built sky high rise Student accommodation that they are charging 30%.more for.
From:
Michael Foley
29 January 2022 10:31 AM
To night it’s 10 / 11% in London & Edinburgh that is warm and this is January in Winter. What’s all the Insulation for, just turn down the room Thermostat to cut the emissions. January in years gone by temperatures were freezing, minus, below zero and now we all have had Cavity wall insulation and lofts with 270mm insulation’s for most part thanks to Government Schemes in the past. We don’t need as much artificial heat as in the past. Why would we need EPC ‘C’s now in the light of this different climate it like giving you an umbrella when it’s not raining.
From:
Michael Foley
28 January 2022 22:27 PM
Rent 2 Rent so wide spread in London, most have their office hidden in industrial Est if they have one, very little said about it everyone keeping quiet as the participants can’t talk, some even supply rooms to Council’s for single sharers. It a gold mine for the Agents and other doing this, they make as much as the LL, own nothing no loan or Mortgage’s to worry about, nothing to loose if it all goes wrong no problem for them LL fall guy.
From:
Michael Foley
28 January 2022 18:37 PM
The property can be improved and we endeavour to do that . I see oodles of training Courses for Landlords but none for Tenants, should they be house trained before taking up a Tenancy.
From:
Michael Foley
28 January 2022 17:16 PM
David has a point definitely but as regards high Rents the Council’s have been loading on costs to line their pockets never a penny cost on them all passed on to LL’s and obviously forcing up Rents. The trick is they pretend to be the Tenants friend while driving up Rents not to mention the Treasury does rather well out of it to,
From:
Michael Foley
28 January 2022 16:20 PM
We have Global Warming so why do we need all this Insulation, if we had Global Cooling I would understand it and need it to keep warm.
From:
Michael Foley
28 January 2022 14:01 PM
Why do they want large Families that they can’t afford and expect everyone else to rear and educate them, anyone could do that. I think they can get free rubber on NHS. I see hard working couples who only have 2 kids because it’s all they can afford, don’t get Children allowance (combined wages over £50k) but contribute to it, for most part pay the nursery fee side by side with others there from benefits, Pay for School Uniforms and meals, etc, That’s alright then stay in bed my making them.
From:
Michael Foley
28 January 2022 11:54 AM
Why are Landlords always referred to as Rogue’s on here. People are fined every day in all walks of life and not called Rogue’s. This Article about a woman and two kids would appear to be on Benefits, no mention of the Dad or his responsibility, Council claims £9’000. costs what for they didn’t do anything to improve the situation, looks like they wanted Benefit money back, this is happening lot. It was his former Home as well probably so fed up driven to gone beyond caring.
From:
Michael Foley
28 January 2022 08:53 AM
I don’t understand any of this or how they work out yields so I won’t pretend I do. I thought it was the price of the property relative to the rent you receive, less your costs including repairs & maintenance and now factor-in Section 24 it all impacts on your return. So keep in mind a Terraced or Semi Detached house in West London costing at least double as much as a similar house in Nottingham where they are talking about 8%+ yields as apposed to 4%+ in London average figures, so mine is well below average and hammered with Regulation’s that apparently haven’t impacted on them yet, for any new buy 2 let LL they’ll think it’s a piece of cake, the tables are very misleading in my view.
From:
Michael Foley
27 January 2022 10:15 AM
At least it cleared up some legal points for LL’s & Tenants alike and put a stop to the nonsense that was going on, people using the law to avoid payment damaging the economy and revenue receipts.
From:
Michael Foley
26 January 2022 18:10 PM
I know that I have a problem with couple of Victorian properties with 9” solid beautiful timeless yellow stock bricks walls with Architectural features. It would be vandalism to cover them up with external insulation cladding and extremely difficult to do inside considering that I have already modernised and up dated years ago to comply with the then Building Regulation’s of 1991 when EPC ‘C’ wasn’t asked for or required. I have the completion Certificate’s to verify this. That’s enough about mine but from what I know about Nottingham in the 60’s / 70’s many of those ones have a bigger problem as huge numbers were of pre-cast concrete construction, hence we used to call it Bison City no offence.
From:
Michael Foley
26 January 2022 17:18 PM
Stop clapping yourself on the back it’s a massive problem & cost for LL’s out here not alone the scale of works with Tenants insitu. I hope you didn’t claim relief on Capital expenditure.
From:
Michael Foley
26 January 2022 07:18 AM
The 3 fines are low at £660. each or the legal fees are extremely high, one is nearly as much as the other. We now not only have unaffordable housing but also definitely an unaffordable legal system.
From:
Michael Foley
26 January 2022 06:29 AM
Certainly the property was in a dreadful state, it should be noted at the same time electric sockets don’t hang off the wall, looks like a degree of vandalism going on here, who put the rubbish in the back garden, did the Council help re-house the occupants for misbehaviour.
From:
Michael Foley
26 January 2022 06:17 AM
My returns are generally 3% and all my rent are below market rents, in fact one House in Ealing is same rent for 19 years even though Tenants have changed many times. Yes it is licensed and re-licensed now coming due again. That huge cost was borne by me and 19 years ago I had 6 weeks Deposit but now no Deposit, taking away as well as the 10% wear & tear and all the other costs imposed over 19yrs. I will not be re-licensing this time the numbers will have to be kept below the license number requiring a license. Less people housed, less income, less tax but maybe a £30k fine for the sheer hell of it. The current occupant can’t continue to reside there as they can’t afford it at present no alone a reduced number so who is go to house them.
From:
Michael Foley
25 January 2022 13:32 PM
Zoe, its not applying for the License is the issue its the implications of doing so, you are lucky its £600. in areas outside London where returns are 6/7 %, un like the Capital where its £1300. / £1400. depending on the Borough where some of them take up to £20m from the Scheme. Why do the Council’s charge an Application fee it’s they that wants it let them pay. We have to pay for all the work, How can they justify a £30k penalty for putting a roof over peoples heads at no cost to the tax payers, it’s disgraceful and we are supposed to live in a democracy.
From:
Michael Foley
25 January 2022 12:53 PM
Making Tax Digital another hammer blow for traditional LL’s quadrupling the cost by having to pay Accountants 4 times a year instead of 1. We are not digital academics we are traditional LL’s who paid the taxes to put all them through Uni’ over the years to become digital to hi-jack our business and destroy us, you are forcing us to do something we cannot do, so nothing to do with the quality of housing then, why not tell those people put your laptop down come on site and carry out all the trades they cannot do, can you please tell me how much accountancy costs those days, is it £10. or £30. per minute + vat.
From:
Michael Foley
25 January 2022 08:39 AM
Jim, agree and they think they are so fantastic high & might self opinionated that if we do all those things they’ll actually let us use their logo on our correspondence, as if I would want to.
From:
Michael Foley
25 January 2022 04:00 AM
I remember H Wilson in the 60’s in Huyton not far from Ken Dodd & his diddly men (rip all) of knotty Ash, L’pool, he had another stent as premier in the 70’s under watchful eye of Security Forces seemed too close to Moscow for comfort. I remember the pipe and the one about the pound in your pocket now looks like history is repeating it self only this time it’s the pound on your Credit Card.
From:
Michael Foley
24 January 2022 23:15 PM
Mathew, you’ll need a written guarantee that you’ll ever again get your property back vacant not alone in general good condition. What about rights of Access to comply with all the conditions they have imposed on us. Tenants don’t want us in but obstruct us backed up by Council, keep LL out don’t let him know what’s going on then penalise him for poor Management.
From:
Michael Foley
24 January 2022 19:51 PM
Sorry typo I meant no discount after first time. Hardly a discount when they are charging you £1200. / £1400.licensing Application fee as if £75.00 of your own is going help you financially so it’s already loaded nothing out of their pocket. Who are all those minorities they keep on about if they exist, they must know who they are or they don’t exist or is here say.
From:
Michael Foley
24 January 2022 18:35 PM
Just more interference and time consuming cost to achieve nothing only another obstacle. I don’t need to go to North Lincolnshire and speculate what it might mean in the future. We have it all in London for years just another pain for us how did we manage for decades when they weren’t involved or even had anything to do with PRS. There is no end to it you can do the Courses and listen to them telling you all the wonderful ideas they have dreamt for you to learn, get Accredited but that’s not enough you have to to continue to keep learning more crap or you become unaccredited namely brownie points, continuing development points for ever (CDP). Regarding the discounts it gives you for HMO licensing that’s only for the first time after that every time you re-license I discount…
From:
Michael Foley
24 January 2022 17:50 PM
Rachel, where’s Mr Hughes why is it our responsibility that you have 5 kids and expect to be housed, it might seem harsh but that’s the reality, no mention if the Landlord was depressed having sold his Property.
From:
Michael Foley
24 January 2022 13:46 PM
Further for Buy to let Mortgage’s regardless of whether you received rent by cash or transfer it has to be declared, how can you pay a lender with undeclared money, add Section 24 to really put the knife in and tax you on it all first.
From:
Michael Foley
24 January 2022 12:59 PM
Deborah, exactly right we are over taxed and tax paid LL’s no doubt about it. Especially when we license a HMO property, they not only know everything about you but also about your property, every room in it and the size, the names of everyone in the property, whether there is a lender or freeholder who they are, so they contact them as well, if you have a Deposit who it’s with and how much money it is for and the annual amount of Rent they pay, it’s all at their finger tips, most payments are direct payments to your Bank so it’s all on record, if cash it has to be accounted for as they know it’s rented if any vacant period they’ll know that as well plus so many other ways of checking. The idea of taxing us more in ludicrous has that person any idea of we she’s talking about. I can’t be bothered to list all the costs, fees, charges and taxes that being imposed on us.
From:
Michael Foley
24 January 2022 12:42 PM
David my friend buy your own you can stay as long as you like. I won’t interfere with your purchase you can tell the lender how you would like everyone to be.
From:
Michael Foley
21 January 2022 18:45 PM
Soaring Market no end in sight they say are they all daft while being a professional body that people rely on, do they have to wait until it happens before to know, the writing is on the wall long enough. I never agreed their is a shortage of housing anyway, just wait for a down turn and you’ll see how many spare you have and will sit there for ages with no takers. All the madness building in the skies all over priced with windows boxes as gardens, help to buy is the bonus for the Developers inflating the sale price on the buyer who can least afford it, no difference to enterprise zones in the past so nothing learned.
From:
Michael Foley
21 January 2022 18:22 PM
I don’t think to be honest we have or will have the discretion to choose. Currently they seem to be already given priority over working Tenants especially families on benefits. I haven’t had a family turn up in years to view who were paying for themselves, so no HMO required for those, that’s means preferential treatment and a priority.
From:
Michael Foley
21 January 2022 10:02 AM
Well the latest I hear they are go to Ban Conservatories on New Builds because they will be too hot due rising temperatures estimated 40 degrees. So why are we putting in all this Insulation. Mother Nature amazing a couple of nights frost and lock over all back to work, virus almost disappears ?.
From:
Michael Foley
20 January 2022 19:56 PM
Suppose Government are seriously concerned about the Climate, have they not zeroed vat tax on this work, just bought new Boiler which attracted hundreds of pounds vat, so it’s a penalty. I certainly have bought Boilers in years gone by for less than the vat is now.
From:
Michael Foley
20 January 2022 16:16 PM
Landlord don’t have to pay utility Bills in HMO’s if it one property one let, they pay their own for what they use. I don’t understand why one property as one letting should be a licensable HMO and if occupants in anyway remotely connected exempt from regulation’s.
From:
Michael Foley
20 January 2022 10:17 AM
Win Win situation if you look at it like that, the Tenant get his rent back and the LL gets his property back but it’s a farce. I had a house with a years rent arrears went through all the legal procedures got the Court Order for rent and possession, guess what never received a penny, just add large Solicotor’s Bill, Court fees + vat good system.
From:
Michael Foley
20 January 2022 09:44 AM
Hardly over night and not just like that it was rumbling on prior and Council involvement who supplied a Statement to the Court. So seems the Tenant got a great deal or rent back in essence. Luckily it seems Landlord didn’t have a Deposit or he might have to give back 3 times the Deposit plus the Deposit, can’t think of a better investment for a Tenant beats blue chip Companies hands down, so much injustice I think I would be sick as to.
From:
Michael Foley
20 January 2022 08:44 AM
What next another Supplier gone bust making it 27 suppliers gone to the wall, the Regulators Cap caused this obvious for anyone see. They were forced to sell at same price even when the Suppliers price went through the roof, something seriously wrong here shouldn’t there have been a connection here in the Cap between the two costs. Regulators don’t stop interfering creating problems that otherwise wouldn’t exist everyone will pay more in the long run. They now want a fools Cap on LL’s as well to destroy us are the Regulators the Problem.
From:
Michael Foley
19 January 2022 09:11 AM
Energy Crisis is right, not just Insulation either, gas prices crisis, electric prices crisp, now water meters been forced in that’s will be like another massive energy bill the whole idea behind it. Big water Companies ripping everyone off no incentive for them to provide a cost efficient service, they can’t even fix a leak, an A road main leak near me is continuously leaking 10 years regardless of how many attempts to fix. This is a massive not for profit Company, so waste, spend and change all they want no problem load it on,
From:
Michael Foley
18 January 2022 22:46 PM
I see too much Social Housing, too many people on it that shouldn’t be in it, loads more have their name down knowing it will come around sometime even though they could make their own way. I see less than 30m working out of a population of 65m. I see private LL’s unfairly treated and plainly wronged and disadvantaged , as apposed to other housing providers. completely against competition rules.
From:
Michael Foley
18 January 2022 20:11 PM
Hard to keep track of posts on here, the times are all a mixed up, like the HMO’s public record one here there and everywhere.
From:
Michael Foley
18 January 2022 15:20 PM
G Dug. Sorry I have a few more problems the kitchen is open plan with the living room and the kitchen units are in the way, also is the Boiler. I won’t mention the bath room. Let me have a look in the bedroom, those cursed fitted wardrobes..
From:
Michael Foley
18 January 2022 10:43 AM
Jo, fire alarms interlinked, emergency lights, second kitchen sink, second cooker (not necessary man bringing food on moped), every room full of their belongings. What time are you coming, how long will it take you, what time are you going, are not finished yet, you are rising dust, you are making too much noise, are you sure you should be doing this, omg what a nightmare how can a LL be expected to suffer so much. Jo. I can’t see why you can’t put them up in a Hotel while you are doing the work that would be good wouldn’t it, we are required to do everything else at our own expense.
From:
Michael Foley
18 January 2022 09:52 AM
Jo, its so impossible we had all that with the HMO requirements trying to comply under duress and obstructed. Change for fire doors, locks, hinges, closers, sometimes tames, stops, seals
From:
Michael Foley
18 January 2022 09:33 AM
The balance of power was already heavily in the Tenants favour before The Levelling up Department was set up. How difficult can it be for Mr Eddy Hughes to achieve something that’s already in existence, he can do more wilful damage of course.
From:
Michael Foley
18 January 2022 08:23 AM
Of Course they don’t tell you anything about the 80% but its their valuation and I know that’s how they operate. I am not selling either but I was approached by a Developer to buy one I have in a prime location which would also involve the neighbour that was well up for it, to build a block of Flats. I knocked them back regardless of good offer it was no use to me because not allowed to roll over c/gains, so when tax and costs are paid plus Stamp Duty on similar replacement property, there is no beef left on the bone, night.
From:
Michael Foley
17 January 2022 22:38 PM
Now we have the big boys and money rich big Portfolio LL’s want to buy your rental properties or Portfolios no matter how big it is they want it. They are advertising cash in a week but the reality is very much different because they only pay you 80% of the value, so they make 20% on the deal, by the time you pay your c/gains tax and other costs, kiss good by to half the value of your estate at a stroke, sharks everywhere. I bet you didn’t realise you could get poor so quickly.
From:
Michael Foley
17 January 2022 21:48 PM
I believe most migrants that come are eager to work, the Country is virtually built on migrants, very hard now to find many that don’t have an over sea’s connection including Parliament. Ok let’s talk about State Benefits maybe look a bit closer to home. 5.5 millions on universal credit, 3m on housing benefit, millions more on other benefits, why are we carrying all those people when there is a shortage of people to do the work and several businesses crying out for staff, if they are the entitled and everything provided, not encourage to do anything, therefore the system is wrong,
From:
Michael Foley
17 January 2022 19:59 PM
Polish & East Europeans are generally very good, keep the place clean and tidy as if it were their own property. I have had Tenants from all over the world over last 43 years, they are among the best and a very good culture, you get to know the one’s to avoid but not allowed to say so or even thinks it. I think it’s that they were reared up properly and appreciate what they get and not expect things for nothing. However, they are bright, intelligent and can quickly learn from the bad influences of the indigenous uk people. Thanks
From:
Michael Foley
17 January 2022 17:59 PM
Building more affordable home that’s a joke when we see what’s go on. Big Developers building loads of Flats with favourable Planning Consent to pack more in & higher on the promise of a good percentage of affordable mixed in. When the Developments nearing completion for cash up front sum (buttons in my view) to the Council they get the deal changed for Affordable Flats to convert to Shared Ownership which is ridiculous, giving in many cases control of the Block to the Developer, shared ownership is only a Rental by any other name, an Assured Tenant if you like on a 99 years lease but where you own nothing and less rights than an Assured Shorthold Tenant, get in arrears for 8 weeks and they can take it back, if you want to sell there are restrictions it will be on their terms & conditions and pay their costs,
From:
Michael Foley
17 January 2022 08:48 AM
Not one mention in the Report about what caused all the Problems that now exist, all Comments above got it right & plain for anyone to see. Those people making the Report must have an agenda to further damage PRS or are inept.
From:
Michael Foley
17 January 2022 08:02 AM
Phillip my friend the answer is zero, LL’s are not that silly complaints are the reserved for Tenants. We know and its well documented over the years that virtually all LL prosecutions are following a Tenants complaint to the Council, its lovely easy money for Councils and Courts, not sure if their fees are £10. or £30. per minute there massive anyway. The arithmetic is diabolical and don’t make sense, so 169 + 759 = 928 complaints but there were only 421 complaints altogether so where’s the other 507, are they responding to more complaints than they are getting. I wished people would stop talking backwards.
From:
Michael Foley
17 January 2022 02:43 AM
Government always wins, stay in you are hammered with regulation’s, fees and high income tax, sell and its c/gains on inflation mostly, plus the buyer will have to pay Stamp Duty and the spin off costs plus VAT on Sales for the Professional’s,
From:
Michael Foley
16 January 2022 18:48 PM
Tricia. We are not to know if they were renting or not or what they done, we don’t know their history or even if they worked. All I know I am working 58 years and still working why should I be responsible for them. I also know someone that never done very much inherited a house and lost it by flittering money away, now on the benefit system.
From:
Michael Foley
16 January 2022 17:25 PM
AQ, come on now tell us what’s on offer you didn’t say. So you want us to think £2’816.00 per month is competitive without telling us what it is or something to compare against, you can’t expect to get away with that.
From:
Michael Foley
16 January 2022 12:36 PM
Section 21 is the very minimum an owner should be entitled to, to get the property he owns back is that too much to expect and don’t anyone think it a soft option either. The Court and the Tenant only can end the Assured Shorthold Tenancy the LL cannot without a Court order which is hugely expensive, its sometime since I did it but even then it cost £2’400.00 Solicitor fees. I know there is a Section 8 as well for loss of rent seems often used to including Assured Tenancies. However regardless of whether rent is owed or not if you want your property back it a minimum entitlement. The article on about pensioners being served notice, sad as it may be what on earth have they been doing for 60 years and still haven’t sorted out their own place to live, (our fault is it).
From:
Michael Foley
16 January 2022 12:01 PM
Still ranting away about drinks in the garden of No. 10, now a major crisis, resigning and sacking proposed, might even bring down Government the most important issue ever, yet they can spend years destroying Private Sector Housing and LL’s who House millions of People and that’s fine, not a murmur for goodness sake do they not know what a crisis is, they are like school kids. Unfortunate and very sad that Price Phillip happened to pass away around this time and at a great age to rip. What on earth it has to do with those drinking in No 10’s garden hardly disrespectful, in Ireland when someone dies they hold a wake and give you a glass of whisky on the way in.
From:
Michael Foley
16 January 2022 06:48 AM
Well Companies are able to switch people to a New Contract and the previous one don’t count, even though they were continuously employed, can’t see the difference.
From:
Michael Foley
14 January 2022 13:17 PM
Tricia, sorry I don’t agree on this one but usually in agreement with you. I am not singing his praises either what they have done to private LL’s is unbelievable. I don’t think looking back Labour could have go away with it. At the same time this is a nonsense issue, a smoke screen and with the Country facing huge challenges ahead wasting our time on this. I don’t know why any man of means would want that job, what difference is it to him, to be in the spot light getting criticism and abuse from all directions.
From:
Michael Foley
14 January 2022 08:33 AM
The fact is if it’s free to the user it’s over used and abused. Like NHS the waste and frivolous spending is unreal, The fee Bus / Train passes droves of people travelling all over the place, if they had to pay it would be a fraction of the travel, even at LL meetings at Civic Centres they arrive with free pass & 20 houses with them. The local Supermarket do have local News Paper & Evening News Paper for free, the don’t just take one but 3 or 6. night.
From:
Michael Foley
13 January 2022 22:38 PM
Yes they were well down in Hammersmith and before Corona too. I work on Refurbishment a property in the heart of it, it didn’t let for good money either, would have got same rent on outskirts where property is much cheaper to buy. What a stupid place £8.00 parking before midday & £8.00 afternoon = £16.00 pd, morons and difficult to find a space, working under duress hasn’t H’smith changed.
From:
Michael Foley
13 January 2022 21:02 PM
Well that’s how it is at present with HMO Licensing. I had end of Terrace House for 20 years before HMO came along, exactly same house as mine next door just 1.2m passage between us. I was required to licence but next was not and let to a Housing Association. There was about 10 persons staying there all on Benefits obviously they were housing their friends as well for financial gain. However I decided not to license but sell, the Council said if I didn’t license they would block the Sale. OK I done all the work/ fire doors hard wired fire alarms, emergency lights etc, got licensed and then Sold. The Purchasers changed it all about it was pointless forcing me to do it. Anyway that’s your answer you’ll have to do it they won’t this is no isolated case. End of 2007 just got out before crash, another similar property same road was for sale same time but missed the boat it sat there 6 years at same price before it sold.
From:
Michael Foley
13 January 2022 17:50 PM
Algarve, no I can’t see any issue they are the Government running the Country. Why should general public think they have the right to call all the shots. Suppose you were a Company would you have your employees dictating how you ran your business, you wouldn’t survive that nonsense. Further I think spying, recording or reporting shouldn’t be allowed in No. 10’s garden either, as such a Private Government Area and should be Prohibited by Statute for Security reasons if nothing else. When I done Jury Service we weren’t allowed to gossip what we heard or talk to press.
From:
Michael Foley
13 January 2022 15:52 PM
I wished people would stop on about Premier and his Officials having a few bottles in the garden at a time of crisis, at least they were communicating with each other not on internet zoom rubbish. Anyone would think it was the most important issue ever, with the Media/ TV/ Radio & papers nonstop for days and nights continuously ranting away about an insignificant national issue, good job we have nothing serious like a war to deal with.
From:
Michael Foley
13 January 2022 13:09 PM
Have they got too many noughts on there or dreaming. I know the big boys are always more expensive to rent from, not necessarily Built 2 Rent but converted Office Blocks to Residential charging £300 / £400 pm more than traditional LL’s, poor quality housing still have the big glass windows when you pass by you can see them in bed, (beds in windows).
From:
Michael Foley
13 January 2022 12:23 PM
Why didn’t Nav Mishra use his position as an M.P. to stop Government making Renting expensive instead of complaining about it afterwards. Everything they have done was to increase costs on the PRS.
From:
Michael Foley
13 January 2022 09:05 AM
Edwin, Parbold was a lovey Mill and only a stream to drive everything, no need to import electric and completely environmentally friendly.
From:
Michael Foley
12 January 2022 20:47 PM
Shane I wonder how long before £12’300.c/gains allowance is cut or double for couple as I understand it. What’s so unfair is the way they disadvantage married couples they must want a broken Society, say if they are partners instead they can each nominate a separate house / property as their own and sell tax free ?.
From:
Michael Foley
12 January 2022 19:55 PM
Edwin, I believe you are totally correct you can only have spare Electric if it’s available and if too many go on white meters there won’t be enough, you can’t store Electric really you use it or loose it. At least that’s what I was told when I was Site foreman involved for installation 240 ton transformer & associated works for new sub-station at Washway Farm, Skelmersdale, Lancashire in 1969.
From:
Michael Foley
12 January 2022 19:06 PM
Not necessarily areas, but very often properties in the same area or even the same road with a big rental price tag difference. There are some similar houses to mine in same road charging £1’000. pm month more than me and some Flats £200 / £400 pm more than me for sure.
From:
Michael Foley
12 January 2022 17:23 PM
“Help to buy” perhaps I didn’t explain properly.
From:
Michael Foley
12 January 2022 16:05 PM
Sorry it was my understanding that first time buyer schemes and free Stamp Duty were meant to be for new built / compliant property
From:
Michael Foley
12 January 2022 16:01 PM
Tricia, ok fair enough but will those properties that are not compliant be available for the Schemes to purchase.
From:
Michael Foley
12 January 2022 14:15 PM
Martin my friend how many HMO Licensees did you have to purchase and the huge cost of the work but not just once on each property but repeated again & again, this cost was not mentioned. I would love to know, it would buy a lot of Insulation & Dimplex heaters. People dumping their properties that are not Compliant are cowards making a run for it, it’s doesn’t improve the Countries energy efficiency performance, who do you think is going to fix them, just passing the buck.
From:
Michael Foley
12 January 2022 11:00 AM
Martin a good job you are professional and intelligent LL’s. It’s a shame we are all so stupid, we’ll done for complying with Government rules it must be refreshing to be aware they know best about energy & Insulation. Grenfell killing 72 wrong Insulation, billions of £’s now required to fix Insulation problems on thousands of Blocks of Flats through out the Country. Always someone else’s problem. Reduce Rents, reduced income tax Gov’ won’t like that who’s going to keep all the freeloaders on the system.
From:
Michael Foley
12 January 2022 10:42 AM
Don, you have a fair point here I have 2 Flats in a Victorian 2 Storey house used as 2 Flats since 1917 from Parish Records and Regularised by me in 1992 to comply with Building Regulation’s of 1991 and Certified. The 2 Flats have the same EPC, GF & FF while GF one has to be much warmer because it has original Ceilings plus extra dropped Insulated Ceiling’s through out plus Double Plaster Board. Also another matter I had to get them both HMO Licensed twice now coming due again (one Selective & one Additional), even though the rules say it wouldn’t need a license if compliant with 1991 Building Regulation’s. We don’t have a leg to stand on, they can do what they like with us.
From:
Michael Foley
11 January 2022 09:26 AM
Let them take them who cares it makes no difference to us, let the house the people and run them or raise them to the ground. We are the dogs bodies supplying the property to the market for free, to house maintain, furnish, license, pay all fees & penalties, pay taxes to keep them all, treated as second class citizens, Rogues & Criminals. What for its not for me I am doing it when I could have been retired years ago and not allowed to pass it to your children but you can to any old spouse or partner. I witnessed a dying man getting married at deaths door to a young woman to inherit. Regarding Corona it costs me tens of thousands with 5 properties becoming vacant in a short time that wouldn’t otherwise have happened but did for various connected reasons, a big spend then + loss of rent, AST have scored a goal now and one disallowed, night.
From:
Michael Foley
10 January 2022 21:23 PM
No conspiracy theories please my friends I hope any of you don’t spread it, we have the guidance of the best scientists in the World. What’s been suggested here is a kin to getting legal or financial advice down the pub. We’ll have to rewind back to our specialist subject the Housing Sector, horses for courses.
From:
Michael Foley
10 January 2022 20:35 PM
I know many that caught the virus and got over it quickly, others were poorly for a year. I knew about six that has died rip including my cousin in his 40’s living in Cardiff, that’s when it hits home, when all said & done it doesn’t matter too much about material things in life we’d rather not loose anyone.
From:
Michael Foley
10 January 2022 16:13 PM
Sorry G, my friend, can’t agree on this one, it might be your body your choice but nothing stopping you giving it to me and I don’t want it. Sorry about my typo previous response regarding levelling up it was meant to be can’t not can. Although I read the Department would do far better to level up the pot holes, as already done for an MP’s driveway.
From:
Michael Foley
10 January 2022 13:01 PM
Of Course everyone should take as much precaution as possible but COVID doesn’t care whether you are under or over 18.5 years, not many buying at 18, people are spreading it like wild fire anyway, still congregating even when they know they have Covid and doing unnecessary Shopping it’s like they want to give it to others. New levelling up Dept’ indeed, do they not know you can level people up by levelling people down everyone will be levelled down. Please leave medical virus advice to NHS.
From:
Michael Foley
10 January 2022 04:08 AM
Personally none of us wants to leave and no exit strategy allowed for sure, everything you do with professional advice is a waste of time, put some on a trust pay someone to manage it, or give away, loose all income now and for every, pay c/gains tax now on transfer but with the 7 year rule if you die after 3 years the money you paid is lost, the 7 year rule is actually 4 years because they don’t count the first 3 years, it’s only after that they start counting and not evenly either so dishonest, leave some to a Rogue Charity that you hate & they hate you, you’ll get a good tax reduction, you might as well wait for Cemetery Gate for the Grave Yard Tax, no exit plan allowed.
From:
Michael Foley
09 January 2022 13:48 PM
I agree AirBnB has done enormous damage to long term private LL’s letting. We have seen that first hand when the Planes stopped flying with Corona, all jumped back to Assured Shorthold Tenancies, now gone running back again to AirBnB for Regulatory & Tax advantages. Do forget the Elephant in the room and not a murmur about them from anyone on here. The Rent to Rent boys cleaning up & rubbing shoulders with their counter parts in the Council’s from Uni’, this is massive and obviously many are participating LL’s & have to keep stum, even worse still are the Rent / lease with purchase options, they do specialist Courses for this one, don’t get taken-in you have been told.
From:
Michael Foley
09 January 2022 13:25 PM
Maybe Partridge lived in a pear tree better no c/tax. Seriously though 11 viewings in a day. I never took more than 3 bookings for a day although before buy to let Mortgage’s and computers I could easily have a dozen enquiries in a day, a far better choice of people too they would come from all over London back then just one add in London Evening News Paper or Standard (before loot) it was usually gone on day one and to be fair I didn’t want them sometimes doing a long tube journey on a wild goose chase. Far less Benefit claimants if any turned up, just young enthusiastic people eager to work, no unmarried mothers enquiring, no split up partners the word wasn’t invented, no Divorcing to get the State to Rear & House your family not like now Dad goes fee never the question of any commitment. On the other hand no Big Companies doing letting I used often let to Blue Chip Companies to house their Staff, also no LL with 50 or 300 houses which I think is disgusting. Society gone to the dogs now with entitlement generation, you’d hardly ever hear of a murder or or stabbing back then now rampant because of a spoilt brat entitled youth generation.
From:
Michael Foley
09 January 2022 08:35 AM
No doubt its a great time to off load rubbish but you’ll have to be quick if not too late. Thinking about the ones LL’s want to sell not much good to first time buyers. I am sure the lenders will take a view on this and expect their purchase to be Compliant.
From:
Michael Foley
08 January 2022 11:47 AM
Correct that’s what the 2 German Shepherds were for a weapon keep LL away no rent for months, when Court day came the Court Order was their passport to get housed by Council and got 2 bed Flat, don’t know what happened with the dogs, the real reason the Authorities want rid of Section 21.
From:
Michael Foley
07 January 2022 21:23 PM
Yes not just 2 German Shepherds, small dogs, cats, birds, fish, armadillos, guinea pigs, white mice, pet rats, snakes fed with rats etc, don’t ask me what would I know, so they are making rules for us living in their sheltered lives on 60 / £80k pa fiddling about with an industry they know nothing about…
From:
Michael Foley
07 January 2022 20:09 PM
It should be left to the owner and the Tenant to agree or disagree, far too much interference and mandatory rights being imposed on LL’s. I have had them all 2 German Shepherds destroyed a new house I had built, so the temporary occupant from the Street have more rights than me for a months money in advance, than I have for Building the House never mind work in all weather to achieve comply with all requirements, finance it, pay all fees in conjunction to complete, so a months rent is far more powerful than £100k plus all my hard work, someone is a sandwich short of a picnic here.
From:
Michael Foley
07 January 2022 19:57 PM
Andrew congrats’ Amazing really where are they all coming from ?. I have to wonder where are they living now, not homeless so I presume the property they move out of will be available for letting also not extra property created but movement of Renter’s. Looks like you have a very good property at a reasonable rent well located, a better deal and value for money than what they currently enjoy.
From:
Michael Foley
07 January 2022 10:11 AM
Shane. Sorry and so sad to see Businesses being deliberately driven into the ground by Draconian Treasonable Policies and Sabotage. Depending on your gearing many won’t have a choice with S24 which is what it is designed to do. Supposing on other hand people have built up equity in there you are going to get hit on the way out with c/gains tax. What then as we don’t have proper Banks anymore just some where to put your money at risk watch it devalue at inflation rate and pay you buttons if any interest. This isn’t going to play out well, did many of you watch Martin Lewis last night sending shivers up your spine, the bashers had their day many may get a shock if they get their benefits free bees get cut.
From:
Michael Foley
07 January 2022 06:13 AM
They must be going to train LL’s to do it themselves as previously said £49k isn’t going to do anything when you get people in those days, is that for whole Borough ?. On the other hand it might be an information gathering tool to find out all about you, to use against you later on.
From:
Michael Foley
06 January 2022 13:51 PM
“Responsible Landlord” anything that goes wrong or failings with the system LL responsible.
From:
Michael Foley
06 January 2022 13:15 PM
Keep LL’s out at all costs then he won’t know about the bleeps or have the opportunity to remedy, just give him a big penalty for poor management that will suffice.
From:
Michael Foley
06 January 2022 11:47 AM
Suzy, agree but it’s not just Cats & Dogs there are many other animals, creatures and reptiles they bring in as pets but keep LL’s out of the property, don’t let him see what go on, ideally Council give him a big penalty for poor management that he is not allowed to manage, don’t forget not only animals can have mental health issues even human do, LL’s the exception aren’t we made of stone to put up with all those attacks.
From:
Michael Foley
06 January 2022 10:00 AM
Tenants don’t hate us, in general Tenants & Landlord get on fine and respect each other. I think many are our friends apart from that one LL step we have to maintain in order to be able to run our business. Its Authorities that hate us while robbing us of billions and pretend to be Tenants friends to use as a lever against us, divide and conquer nothing new about that. I also know we have all those other groups with no input braying from the sidelines.
From:
Michael Foley
06 January 2022 07:50 AM
I haven’t seen any rent increase most are the same or less than 10 years ago, I see one of my houses hasn’t gone up in 19 years still £1500pm even though I had the every cost of compliance thrown at me including HMO License twice now due again fact I have the evidence, worse still I had a Deposit back then not now. Why is so much hype and untruths being told about us. I now see a Survey about changing the name Landlords they want us to loose our identity completely and disappear into oblivion. Hardly surprising I suppose so much nonsense, with media rubbish going on, many are not sure what gender they are anymore, don’t want us to call a woman a lady, a man a man or a landlord a landlord.
From:
Michael Foley
06 January 2022 07:09 AM
I think Max is right on this one looks like what’s happening already, nothing to do quality affordable housing or whether Tenants can afford it they could careless. I know of several Companies that have moved into letting Blocks of Flats already and guess what all their Rents are higher than traditional private LL’s (like up to £300. pm). I don’t mind if Max or anyone else takes a swipe at me, it’s fine I can take criticism not a problem.
From:
Michael Foley
05 January 2022 20:21 PM
Congratulations you got out before collapse imminent, just reviewing some of my Tenancy Agreements I see one is the same Rent for 19 years at £1500 for this London semi- detached even though Tenants have changed many times. Just how many extra costs had I to absorb in this time, all those Regulation’s & Certificates and up grades plus it has been Licensed twice with no Rent increase, fact I have the evidence, never mind the inflation since then. I now don’t have any Deposit on it either because of Shelters interference in 2007 Rogue Deposit Scheme putting LL’s at further risk just minding the Tenants money free for them if they had it at the Bank they would be charged for having it there.
From:
Michael Foley
05 January 2022 14:29 PM
Edwin, exactly what I meant this little HE phone loves to change what I say. I can’t be proof reading all the time, although its handy to fit in pocket for work instead of a big slab phone. Thanks for the advisory.
From:
Michael Foley
05 January 2022 12:26 PM
It will be just like Ireland then where Government TD’s (MP’s) when they were afraid of loosing their soft jobs, different Party’s joined together to take turns at being boss and Premier (Taoiseach) in rotation, must keep their big Salaries & huge Pensions, is this Democracy or Collision.
From:
Michael Foley
05 January 2022 11:47 AM
Charlotte, how can you possibly say the Conservatives done nothing about housing, when they have raided the PRS for hundreds of millions plus all kinds of other costs and restrictions imposed. Charlotte that’s hardly nothing driving rents through the roof and continuing you can’t expect to get away with that, also that includes John Prescott’s Labour Party’s anti-landlord private licensing Schemes 2004 Act, you were quick to make use of that one to line your pockets, where some Boroughs take up to £20m out of PRS LL’s, now rampart so we private LL’s have and are doing the coughing up.
From:
Michael Foley
05 January 2022 09:15 AM
Max, ok I’ll take your advice I am sure you must know.
From:
Michael Foley
04 January 2022 09:16 AM
The Health & Safety is always used for any rule or Law because no one can say boo to a goose about that and if anything happens that’s why, sometimes not the case but we all comply anyway. I remember being stopped by health & safety officer putting in precast manhole rings weighing 4 cwt with a 20 ton machine, saying that the machine is not calibrated for that. However, no problem really we put them in by hand, they don’t know how the World was built.
From:
Michael Foley
04 January 2022 08:45 AM
Maybe stop LL’s from buying High Rise Flats to let. Reserve those for the Schemes for misfortunate first time buyers to be placed in the sky in those monstrosities.
From:
Michael Foley
04 January 2022 07:54 AM
Why would House of Commons need a report to know what’s wrong with Section 21 or why would I need to read it, I have lived it. They know what’s wrong with it, it been repeatedly chipped away at and undermined to a point it’s virtually dysfunctional now need Parliamentary time to waste to know what they have done. The White Paper should be about restoring S.21 to its original position before you bring the Country to its knees & collapse the whole economy, the most likely outcome.
From:
Michael Foley
04 January 2022 07:16 AM
Rents have been driven up by unfairly by over the top Regulation’s / Licensing etc’ and Councils profiteering. I remember and still have the Tenancy Agreements for Renting out complete Houses in Ealing for £100. per week and in Croydon for £88. per week, now looks like its the box room you’ll get for £100. pw because of all the interference and imposed costs not least Licensing Schemes, rules and red tape tying LL’s to the desk endlessly dealing with all those imposed impediments instead of being out dealing with real issues running his business in a workman like work manner instead of sitting at a desk playing digital everything academic nonsense.
From:
Michael Foley
04 January 2022 06:49 AM
Not to worry its very easy to achieve that now, we are all becoming not for profit LL’s.
From:
Michael Foley
03 January 2022 21:43 PM
I haven’t seen any rise in the year only loaded with extra Regulatory costs by Government and Councils alike. Today half of New Year day spent on a licence application and pay the Council for my work associated with the application. LL must do all including requirements he is free, not one penny cost to Council, all their invented work load and costs transferred to LL. Regarding the 3.7% increase its news to me and anyway my return is about 3%.
From:
Michael Foley
01 January 2022 16:56 PM
Where is the comfort in that, 60 days is a big deal now for paying c/gains, when it used be up to a year. This is just like SD doubling it, then later on halving it temporarily and it a massive give away / a holiday. Anyway C/gains is a special high rate for LL’s only.
From:
Michael Foley
31 December 2021 06:57 AM
I still don’t believe there is a shortage of housing just the Bank of England abolished Savers causing all sorts of problems for Housing. Leaving everyone with no where to put their money, so they all go for property they didn’t necessarily need or want all bidding against each other driving prices through the roof. This is not healthy it a false economy, no new money being created just same money going around in circles with ever decreasing value. This is all froth & bubbles on dubious foundation, ok what’s the alternative leave your money at the Bank and get 0,01% like they pay me while inflation probably 5.1% so after a year you lost 5% of your money at Bank, hence false mad property prices. Base rates used to be around 5% & you borrow for about 3 to 4% on top, leaving scope for Savers to get a healthy return, encouraging the young to save instead of living off credit.
From:
Michael Foley
30 December 2021 22:48 PM
Yes I agree first time buyers won’t be buying Detached for sure, They will be buying new Flats probably High Rise unsuitable Flats being rail-roaded & colluded into with Schemes, loans and no Stamp Duty to make fortunes for Big Developers. They could often do better to buy a Terraced or Semi with a garden, parking, own Front Door and no Service charge. Which is often with-in what they could afford seeing the price of those Flats and Service charges. The crux of the matter is the Schemes designed to favour big developers at tax payers expense, it should be available to the first to buyer regardless and his choice what type to buy not getting pushed into bad choice. Also I see perfectly good existing Flats for £50k to £100k less but I think not covered by the Schemes and usually not as densely packed in.
From:
Michael Foley
30 December 2021 21:35 PM
This Article strongly advised to get Accredited. How many times are we expected to be Accredited. I am not Accredited at the moment because it keeps expiring. I have been Accredited 3 times in the past with 2 different Organisations but I am expected to keep re-doing it and adding brownie points for ever, so decades of experience count for nothing it has to be what digital academics dreamt up, in any case it should last at least 5 years or even 10 or do they think you have forgotten everything and starting on the new each time.
From:
Michael Foley
30 December 2021 11:02 AM
Shelter’s website says it tackles the root cause of Homelessness, should that be they are the root cause.
From:
Michael Foley
30 December 2021 10:44 AM
What’s surprising about this nothing its a necessary prelude to get housed by the Council. I know a female who was well housed but decided to go on the Council, turned up at Civic Centre with 2 kids and wouldn’t leave even at closing time, she got housed. Another case I know of, got pregnant her partner owned his own Flat but wouldn’t let her in. However she got a job with a Housing Association & got housed through them, guess what he moved in with her and let out his own Flat. Why has the Article not mentioned the high costs imposed on private rented sector by Regulation and Licensing. So they force up rents by imposing huge costs, then complain about high Rents.
From:
Michael Foley
30 December 2021 08:49 AM
Many are homeless because of their own action’s, drugs / Crack cocaine etc, we can’t help those and its widespread.
From:
Michael Foley
29 December 2021 16:54 PM
So much nonsense going on scams, fees & penalties. I have scrapped 3 washing machines this morning none more than 2 years old in virtual show room condition. In the past I always fixed when possible, no point now having spent 3 hours re-doing a license application (3rd time renewal) and paying £400.00 being 30% of the fee & another £800. + to pay later for each one. Really am I going to get the tools out and go fixing a wm’s I haven’t the heart to try and save money after throwing £400.00 down the drain for nothing more than the price of a good WM. This is not going to work it’s sacrilege why should anyone bother, the writing is on the wall.
From:
Michael Foley
29 December 2021 14:58 PM
What do you mean not a Court Appearance, what was I, doing there with my Solicotor and the opposition not taken lightly with so much at stake, it wasn’t just a written procedure and a non appearance if they didn’t show up. Please call off the hounds we have enough opposition without getting attached from inside, Kind regards.
From:
Michael Foley
28 December 2021 05:57 AM
Don’t Agree there are others reasons but granted rent arrears is a good one. The overcrowding is another one but the rent is paid in this case. The subletting is another one when you go there and don’t recognise any of the Occupants as your Tenants. The Drinking with over flowing wheeley Bins with beer cans and spirits bottles. The wrecking of the house. The over parking driving neighbours up the wall. The Complaints from Council & Police. ASB is over simplifying the issues. I didn’t sell it and I want it back because its my Property now that’s a good reason. Do the words Freehold Private Property not mean anything anymore or is that what is been proposed here. I let it only on a temporary bases never meant to be a hi-jack or confiscation. Jim, you are renting property piece meal in rooms no wonder you are a regular at Court and if you are to sell the property vacant you have to take each individual to Court separately, what a nightmare no wonder you want to sell with they in it. I speak from my own experience too having been a LL since 1978 that’s a good 43 years and so sorry for ever been a LL because of all this recent crap what on earth for just to be everyone else’s dogs body.
From:
Michael Foley
28 December 2021 04:56 AM
Jim, why are you suggesting it wouldn’t be a good thing to get rid of Section 21, the very foundation of the letting Business and very unlikely you would ever have be a LL without it, as you only joined 30 years ago following the 1988 Act which included S.21, before that if you took in a Tenant they immediately became a sitting Tenant, hence the need to let to Companies to give yourself so degree of protection at that time. I am perplexed so amazed that you are saying you don’t know how many are evicted under Section 21, and suggesting they don’t need to go to Court. Surely you should know better than that, only the Court or the Tenant can end the Tenancy. The Landlord cannot only by getting a Court Order which means he has to go to Court, unless the Tenant vacate voluntarily which is the same for everyone in any case. Best wishes.
From:
Michael Foley
27 December 2021 22:58 PM
Very good you are a member of a LL Association to support you which is great. I used be a member of 3 but not necessary one is enough, even if half the LL’s joined @ £70. X 1.5m it would put Shelter in the Shade. Happy Christmas.
From:
Michael Foley
24 December 2021 21:32 PM
Andrew, please don’t say that not many places to turn to for support even if we don’t always agree with them. There a wealth of information available for members on their website, a free insurance help for tax investigation, free Tenancy Agreements to down load. Specialist landlords Insurance provider through Hamilton Frazer (Total LL Insurance/ NLA), a phone help line to answer your questions where someone actually answers the phone rare those days. So I wouldn’t dismiss them unnecessarily. £75. pa fee you don’t get much anywhere for £1.50 pw those days, with only 90k members to stand up to Shelter with their millions what can they be expected to do, if the 2.5m landlords joined they would have far more clout but many LL are too tight to even pay this modest membership fee. I know how it works same when we were campaigning to bring in Section 2I all sat on their hands, but were double quick to use it when available. I hope this gives a more balanced view, 15 years a member M Foley.
From:
Michael Foley
24 December 2021 21:13 PM
Do forget the fire blankets and extinguishers. Happy Christmas to all, (sorry that includes Councillors a peace offering).
From:
Michael Foley
24 December 2021 15:02 PM
Landlords time is free as far as Councillors are concerned just keep loading it on and then charge you for the work they required you to do, it took me 3 hours to make one HMO license Application then pay the Council £1300.00 for the privilege. Watch out for HMO Compliance coming to a Town near you, your Tenants names & the room they occupy, a plan sketch drawing to identify ever room and size, fire doors, stops, seals, Euro locks, Closers, fire door loft hatch, staircase upgrades, inter linked fire alarms. heat detector, monoxide detector, emergency lighting, EPC, “How 2 Rent” Right to Rent, Gas Cert, Electric Cert, Fire Cert, Emergency light Cert, Deposit information, The License, ICO pay annual fee, put all on display Notice Board in prominent position etc, yes we have nothing to do, OH I nearly forgot we have to supply the property as well, (by the way you are barely out the door when they have disappeared the Notice Board), another fine for LL, now scan copy down load, upload all that plus the Application form. A sure we have nothing to do and when we do a Tenancy give most of this to the Tenant as well.
From:
Michael Foley
24 December 2021 14:47 PM
Or MHCLG so called modern Tenancy Agreement another 65 pages, or English Private Landlords Survey not possible to respond to such nonsense, a rubbish tick box to get the answers they want, another Charity Status organisation. No one will.
From:
Michael Foley
24 December 2021 14:03 PM
Andrew, they can expect to pay more for quality, and it’s going to take you a long time to cover the void not alone get back the thousands you spent on refurbishment, your rent was probably at a low base anyway. I suspect when your months of labour / professional skills are taken into account the less than £7.00 per day increase isn’t going to go very far, its more like a parking charge.
From:
Michael Foley
24 December 2021 09:55 AM
With the weight of this against us what chance have we got.
From:
Michael Foley
23 December 2021 20:45 PM
Ealing announced 2 New Licensing Schemes extra to Mandatory HMO’s. An Additional Licensing Scheme much similar to Mandatory Borough wide as I understand it which is £1100.00 plus £50.00 for every habitable room on top Applicants fee. New Selective license for 3 designated Areas, non HMO’s East Acton, Southall Broadway and Southall Green £750.00 Application fee. I have had those 3 licensing unfairly applied to me in the past but New Schemes cover far more than the previous Schemes ending.
From:
Michael Foley
23 December 2021 19:13 PM
For Tenants with pets / dogs more water, I see them washing them in the bath I don’t like it one bit, or having to power wash the wheeler bins, you all should know what I mean.
From:
Michael Foley
23 December 2021 15:37 PM
Very sad Benefit is a disease it take over, it’s an addiction they never give it up or want to contribute anything. Anyway more big costs coming for Tenants in London water meters being forced. I seen a Bill for one already, a one bed Flat for 3 months 50 units = £150.00 so looks like £500 to £600.pa, that’s equal to what a house water should be.
From:
Michael Foley
23 December 2021 15:29 PM
Why encourage LL’s to improve energy when there are 10’s of thousands of high rise clearly not required and thousands more under construction and even more planned look around you. They way it’s going they’ll be knocking down our Terraced & Semis to make play areas for high rise. Where are all those extra People ? not there so get us out of the way to let big boys take over, penalties for us, subsidies, grants, incentives and favourable Schemes for them, for buyers sometimes I see a perfectly Flat local a to big Developments, £100k less price tag but that one can’t be bought it won’t be part of the big boy tax payer funded Scheme,
From:
Michael Foley
23 December 2021 13:34 PM
Polly, could you start to help by donating £100k of your salary you would still have £36k to live on. Shelter are in the wrong business they should be in the Office of National Statistics just quoting figures. Why not use that £60m tax free pot or such other massive figure, why haven’t we LL’s got Charity Status we actually supply the housing, not sitting on the fence blaming everyone else.
From:
Michael Foley
23 December 2021 09:39 AM
Balvinder, the answer is very simple just reinstate Section 21 how it was implemented, remove all the nonsense tags that were attached in recent years, very often by People & Organisation's with no in-put standing on the side lines chuckling spanners into the works. I take it you haven’t been to Tribunals no offence.
From:
Michael Foley
22 December 2021 11:51 AM
Exactly that which is why there is a massive waiting list, they all want to be on the Council, no shortage of property just a shortage of people who don’t want housing unless it’s subsided, many avoid getting married and divorce now rampant to improve their chance’s.
From:
Michael Foley
22 December 2021 11:05 AM
They want us destroyed to force Tenants to Rent or Buy the tens of thousands of high rise monstrosities for Developers to make a killing & subsequently the Big Boys as mentioned above to take over. SDLT of course it’s significant in London buy a property for £500k that will set you back £30k stamp duty up front and probably only get a flat for that, your first 3 years rent swallowed up taken other costs into Account (excluding license if req’). The so called SD holiday was a bad joke for LL’s, what actually happened Mr George Osborne double SD for LL’s / second homes buyers, then comes along Mr Rishi Sunak and halves it temporarily calling it a SD holiday, do they think we are all idiots. Anyway don’t worry it will get worse and if in trouble sell at a loss, then Rishi can get another £30k SDLT from next mug.
From:
Michael Foley
22 December 2021 08:46 AM
Hardly removal of Section 21 as its not S.21 anymore, its been Stripped Bare already and only a Powerless Remnant left. Any excuse can’t use it, find you haven’t put the Deposit in a ponzu scheme correctly, haven’t got the license that you didn’t know you should have as similar neighbouring properties also let with people living in them with license not required, haven’t served Shelters ‘How 2 Rent’, alleged property damage usually caused by Tenants seldom property damages itself. fiddle with Boiler is good one if Court case coming and say no hot water, the 2 months notice has to be server in particular ways so as to void it for you but now 4 or 6 months who knows, loads of other stuff like 2015 De-Regulation Act brought in to hammer S.21 mainly. Its a bit like selling a car you have stripped, no wheels, steering wheel, engine, gear box or doors not much of it left.
From:
Michael Foley
22 December 2021 07:32 AM
Very good Andrew, but in London many now don’t have High Street Office where you can walk in at talk to them. They are on-line in a warehouse type building god knows where, I had one of those and my rent was always late, it got to 7 months behind, then I had a go at Tenants who were able to prove payments on time by transfer. That was end of that Agent but took months and letters to get my money back, if I was less persistent I wouldn’t by got it, it came in several part payments.
From:
Michael Foley
21 December 2021 08:58 AM
Shelter got a Government Grant to go over the Border to Scotland to interfere there. It’s very big of them to support the above its not there property. Why don’t they supply housing then we can attack them for doing that and tell them what rubbish they are at it, and for being so stupid to house people.
From:
Michael Foley
21 December 2021 06:39 AM
They are Renters they don’t own it, there is a big difference. Rent a car it’s not yours you don’t own it, you can’t paint it a different colour and you have to give it back. Of course if they want all those rights no problem but your own, lay down the law to the lender tell them everything they must do to suit you. Control poverty that’s not Landlords remit, Control the Mother’s.
From:
Michael Foley
21 December 2021 06:17 AM
Kieth. My yields are less than half that due to high property prices in London, higher running costs and higher Compliance, fees / costs / licensing etc’ pound for pound by comparison in London to other parts of the UK. Which have to be factored in when working out yields unless Farmer or Council Economics.
From:
Michael Foley
20 December 2021 16:24 PM
It seems to me they are hurting everyone to benefit themselves their priority. We have worked with the Tenants all the way through and taken a big hit, time to call off the hounds.
From:
Michael Foley
20 December 2021 15:20 PM
Andy, congratulations you got the price you asked for without hanging around with sleepless nights. I heard a famous man once say in TV interview when asked how he got so wealthy, he said by selling too soon.
From:
Michael Foley
20 December 2021 11:51 AM
Christopher dearest wouldn’t it be better to post this advice for Tenants. We can’t ensure ventilation while been excluded from the Property, would you like us to go in opening windows or continue as now look at the condensing running down the windows from outside causing sealed unite to fail. Say opening window 1/20th of floor that would be good, so supposing double room 150ft sq / 7.5ft sq opening. They are not go to open 7.5ft sq, although it would be great if they opened it an inch, looks more like a Planning term to me. I agree about ventilation it best cure for condensation / mould mildew / omicron etc. I can’t see what good Insulation is going to do with 7.5 sq ft open window. What’s this all the time instructing LL’s to teach the Tenants, they are adults & most if not all gave longer in further education than I got at primary, we reared our families and not running a kiddie’s nursery.
From:
Michael Foley
20 December 2021 11:39 AM
Not high rising Capital Value but high depreciation of Currency Value.
From:
Michael Foley
20 December 2021 10:43 AM
Some of mine are D a few are pre-war, difficult & expensive to upgrade impossible if not vacant. One is an E and 6 are ‘C’.
From:
Michael Foley
20 December 2021 09:15 AM
Give us back our money, why not give us back our 10% Wear & Tear allowance, scrap Deposit Schemes, Licensing Schemes, How to Rent and Section 24, then that money can go to give us a super EPC at no additional cost to improve the air quality for people’s health, or are regulators the problem.
From:
Michael Foley
20 December 2021 06:49 AM
Everything they are doing sends a shiver down the spine. How can people in those jobs be so stupid is it because of education system or is it that they never had to earn a living. Talking about Rent Controls at a time of so much arrears, you can’t increase rents on your Tenants when you know they can afford the current rent unless you are going to force in a rent reduction. Interest rate rise is a double hit for LL’s that are not allowed to offset interest against their business / S.24 (pay extra tax on the higher interest rate you already paid the lender) second class citizens. What are they on about making restrictions to prevent you freely selling your property on the open market compromising your investment, none of their business we didn’t need their advice / interference or get any of their financial support when we bought, private business. Enjoy the Recession you deserve what you created.
From:
Michael Foley
19 December 2021 08:59 AM
Paul, remove Sect 21 at your peril it will collapse the whole housing market & economy, anyone who think it will only affect one section is dreaming, the predicted fall will happen for sure all be it a bit later, many people are held to ransom by B of E who abolished savers leaving them with no alternative but forced into property all bidding against each other driving up prices false economy, your own article confirms the implications of removing S.21 hence the rush to get out before it goes as you say busier than ever - 35% of your instruction in this regard so is that not evidence enough just leave it alone. Forget about Renters Reform Bill white or green paper, no paper to help LL’s providing 1/5 of the rented accommodation to the market of their own back and financed by them at no cost to tax payers, how can Government by a better deal than that plus all the SDLT, tax on Rental huge maintenance costs, Regulation’s requirements, vat on everything thing we do even a new boiler can attract £400. VAT. Do they not know how soft they have it, why do we even bother or care.
From:
Michael Foley
18 December 2021 14:28 PM
Alison, nothing new about this its always been the case from where I am standing, why would you want to buy someone else’s trouble, you get your own Tenants and not dealing with historical issues. I know some portfolio hands off LL’s used buy properties (incl’ auctions) sometimes slums with Tenants in place usual benefit Tenants exempt from rules, Licensing & requirements so nothing to worry about just check the Bank to see if money is in.
From:
Michael Foley
18 December 2021 13:27 PM
No Hackney just want the free money for nothing beats working for it.
From:
Michael Foley
17 December 2021 13:40 PM
Yes George exactly up to 45% or more income tax while you have it. Licensees, Penalties, Fines, Rogue Citizen, 28% special C/gains tax for LL’s if you want out. 40% Grave Yard tax at the end, a very poor deal for a lifetimes efforts & dedication, better not think about it.
From:
Michael Foley
17 December 2021 13:31 PM
UK walking blindfolded in Recession sad to say its on the cards a long time, how many times have I seen it before. Interest rates up inflation 5%, millions of jobs gone or at risk thousands of businesses closed most will never recover or even reopen, just add Brexit & Corona. I predicted the last 3, if ever the writing was on the wall, come on now its in front of our eyes and still in denial of reality, it not in my interest to put the dampers on it but I tell it how it is. Good luck
From:
Michael Foley
16 December 2021 22:10 PM
The 5 top tips is amusing. No.2 turn on the heating gently how on earth do you do that. No.4 smart thermostats I have cursed on those, lead Tenant decides to install Hive thermostat and blows PC board and denied he done it even though the wires mixed were up, cost me £180, Tenant didn’t ask for permission. So annoying for other members of the household he was controlling heating from 100 miles away.
From:
Michael Foley
16 December 2021 19:47 PM
Many of the Manufacturers are now joined like Potterton / Baxi same really, Vaillant German, Worcester Bosch (English) 2 of the better ones but costs hundreds more than some others even double. I don’t mind paying the extra if it means less break downs, with the old systems we had gravity hot water and hot water storage tank incorporating immersions, seldom broke down if ever & only then even a few pounds for a thermocouple something small. Like said before if you got break down turn on immersion and give them a few electric heaters to tie them over no panic. Different with Combination Boilers usually no separate hot water cylinder so when it goes down no hot water, for this reason I usually have one electric shower in place, we can only try.
From:
Michael Foley
16 December 2021 18:51 PM
I have 11 Vaillants older one far more realiable before Condenser, water sensor problematic, they changed diverter to a worse type, changed expansion vessel from round flat type at back to oblong shape at side better position but troublesome now that we are not allowed to do simple basic things because suddenly we are all morons. Ideal Standard and Potterton used to be my favourites, Didn’t like Ariston or Volkera and a couple of less popular makes, the vain of my life.
From:
Michael Foley
16 December 2021 17:30 PM
Modern gas Boilers are good when they work properly but give a lot more trouble, in years gone by used to be far more reliable before adding all the electronics and condensing type boilers. The condensing flue condensation is very acidic sometimes eats through flue lining to intake can be very dangerous also condensing trap gums up sometimes causing breakdown can be in a inaccessible position, printed circuit boards can develop faults, see the queue’s outside boiler spares shops in winter, didn’t used to have those problems, not a gas engineer just a LL’s observation.
From:
Michael Foley
16 December 2021 05:50 AM
REDRESS Scheme should only be for Letting Agents who takes 11% of the rent in the main from LL’s. LL who work and pay income tax then turn around and pay tax on their rental income, put their heart & soul into the business should be much more appreciated. They devote all their spare unpaid time to work and maintenance which should be their leisure periods for the up keep of their property. Further any issues arising or emergencies they are there in a flash dealing with it, unlike an Agent ringing around trying to get some one to come in a few days time with the added cost and their commission. I have had Tenants loose or have had their bad snatched including keys been lockout ring me at 2 / 3 am, no problem I’ll get out of bed and be there, several incidents over the years. The is no substitute for hands on self managed LL so we don’t need your schemes, please go away and forget about white papers and green paper too much interference and unnecessary damage done already, just worry about C/tax hikes & 5% inflation instead before it all collapses around your ears.
From:
Michael Foley
15 December 2021 20:46 PM
Exactly right GD it doesn’t improve the property it a cost and liability taking millions of £’s out of the Sector, so they think removing our finances will improve the property. Imagine if every LL had a new Energy Efficient Boiler how much better that would be for Environment, instead of a Licensing Application, Right 2 Rent, How 2 Rent, Settlement status, Deposit Schemes, Accreditation Schemes, Criminalising of LL’s etc, any of this use not exist until being imposed in recent years, so all those could go immediately without renting being adversely affected but an improvement. There is a whole load of other requirements and cost that were placed on LL’s also in recent years that I didn’t mention because those probably have a beneficial or safety value.
From:
Michael Foley
15 December 2021 19:02 PM
Home Office to make Right to Rent easier for LL’s they are having a laugh, it’s a nightmare most have Settlement letter from Home Office but when you read it, it says this is not proof of Status, so what is it ? Some have a code to check but usually don’t work, if they want to make it easier for LL’s then they should do it, how many more free tasks do they want us to preform.
From:
Michael Foley
15 December 2021 17:09 PM
When I had savings in 1971 and tried to buy I was turned down they expected you to be married. Also got turned when a friend & I tried to buy one between us. It was the biggest favour they could ever have done for me, avoiding that noose around my neck for 25 years. Subsequently I bought the land in Ealing to build one, went to the Bank with the Deeds as collateral and they gave me money to Build, the interest rate was high at 13% but part of the deal was I wouldn’t make any re-payments in year one obviously I couldn’t. That time your Deeds just went in the Bank safe until you redeemed them. Anyway I have told you before that I personally built the house which I still have, now I am expected to do courses and collect DCP or a mark against me. I must learn how to do it, but I could do it with computer to comply only problem is I am not capable of use those things, obviously far more important than Building a House
From:
Michael Foley
15 December 2021 16:08 PM
Anything to do with more rules and Schemes is what it is, anti-landlords we are strangled with Regulation’s and costs making us dysfunctional while removing out rights and ability to manage then fine LL for poor management.
From:
Michael Foley
15 December 2021 09:32 AM
ARLA where have you been all those decades while we struggled to build up our business you weren’t there, only a handful of letting Agents in London none in some places but now a dozen or two in every Borough so you are making a fine fat living off LL’s. That’s not enough you want to rule the roost taking full Control of your Customers business calling all the shots, poacher turned game keeper.
From:
Michael Foley
15 December 2021 08:49 AM
Of Course Sandwell’s wants it like other greedy Councils running this extortionate racket with no cost whatsoever to themselves, not even one penny, money for old rope. They already had all the Powers ever needed as far as 1992 to deal with any situation regarding private rented sector, so it’s the free money.
From:
Michael Foley
15 December 2021 08:36 AM
David, I disagree with you about if you bought a house years ago, what makes you think it was easy then. I remember in the 1960’s when I was minded to save up to buy a house, Semi- Detached in outer London were £4.5k while my take home pay was £17.00 per week after stoppages, even top trades were only six & one penny + halfpenny an hour (all before decimalisation), right you try living on that, pay for your food, lodging, travel, clothes, work ware etc, save to buy a house good luck with that. Ummm a few rules & Regulations not expensive dream on what Planet are you on, obviously you haven’t it or wouldn’t make such a silly remark, the cost is massive and the main driver of high rents. Not Expensive to Administer you say, last Sunday it took me 3 hours to make an application for license renewal +£1300, fee, you can all sneer if you want, you’ll find out by the time you have got all your Certs’ & other documents in place & up loaded, previous Sunday the same & another £1300, all over Xmas is going to be same carry on, and all licensed before 2 and 3 times so please write about a subject you know something about. Do get me started on C/gains or Inheritance tax you didn’t mention any of that lol.
From:
Michael Foley
15 December 2021 05:10 AM
Well if David is writing a book on the World first Hound. Master McGrath was a good one, she won the Waterloo Cup 3 times 1868, 1869 & 1871 then poisoned by her competitors owners the story goes. There’s a whole industry after growing up and making a living on the back of Landlord bashing, far easier to knock people than to do it yourself.
From:
Michael Foley
15 December 2021 04:08 AM
David, regulation’s are a huge factor this last 10 years particular in driving up rent each cost placed on LL then add Council licensing Application fee for no in put, gone up from £560. to £1100. from start of Scheme for mandatory, but also thought of another charge/ £30 extra per habitable room on top, some Boroughs charge a straight £1400 if that didn’t get you they also introduced Additional & Selective licensing for good measure.This is tip of iceberg you have do all the work requirements on top many thousands more. So any LL that was required to get a license had plenty of upgrading to do Tenants in-situ or not at all own cost, not going to be possible to do EPC work inside like this when occupied whole walls to be insulated removing Kitchen units and bathroom fittings where you have 225mm solid brick walls & when not owning whole Building. Anyone not happy with renting buy your own the lender is not going to tolerate nonsense, enjoy your jam sandwiches next 25 years and when to crash comes which in inevitable you’ll love paying for a property that’s not worth what you paid for it.
From:
Michael Foley
14 December 2021 15:33 PM
David, some of my rents haven’t gone up in 10 years from a low base yet loaded with extra costs & requirements. Extortionate licensing fees that have double since introduced in 2006, repeated licensing fees some redone 3 and 4 times while Family letting exempt and some others to, don’t forget to factor in all the costly requirements, then complain about affordable Rents.
From:
Michael Foley
14 December 2021 12:04 PM
I had a guy who painted the main double bedroom dark blue to include Walls, Sockets, Switches, Double Glazed windows frames all smudged, Ceiling same blue, Skirting Boards, Back of Door, Pictures rail etc, try changing that back. Some Tenants can do good work to be fair especially from Eastern Europe but the colour will always be grey, inside & out.
From:
Michael Foley
14 December 2021 11:35 AM
It’s a Statute problem bad Laws needs changing, like rent re-payment orders also , use your property and all its facilities for a year then claim their money back some nonsense going on. I see a guy in the Café other day he had a big Chicken dinner and devoured it, then went up to complain and got his money back, the owner trying to keep the peace
From:
Michael Foley
13 December 2021 16:09 PM
I was not singing their phrases just a source to test the market for £1k small beer regarding property and if it went fair enough so from my previous example you would need to get an extra £14k + vat from High St Agent to end up same level, may limit potential purchasers ability to find the extra cash. I think I have seen the shares at £5 then sold off for a £1 then a low of 26p now recovered some what, if they go into liquidation just add 430 more jobs to the list.
From:
Michael Foley
13 December 2021 10:48 AM
Congrat’s Alicia this is a recipe to create more arrears, do you not think they will take advantage of this.
From:
Michael Foley
13 December 2021 08:17 AM
There’s a House in our Road up for a £1m. I am told Agent sales fee is 1.5% very high I think (£15’000) you know what I mean, good night I said too today.
From:
Michael Foley
12 December 2021 22:56 PM
Robert, I like it we are all hands on landlords and always was. That excludes all the non productive computer gurus so called Professionals that they want us to be.
From:
Michael Foley
12 December 2021 22:43 PM
Probably ok for selling a very low set fee and support for photo’s or video at extra cost but don’t need to pay up front or to 10 months, advertised on Zoopla, Rightmove etc, if not in too much of a hurry to sell could take a punt for £1k + it could test the market.
From:
Michael Foley
12 December 2021 22:17 PM
I suspect as with all things to do with PRS it will be the landlord fall guy, if an Agent rents out your non-compliant property it’s the owner is always ultimately held to Account that’s well documented. Those people have terms & conditions and are not go to stand in front of you but we’ll behind, do you think they are going to take responsibility for your property
From:
Michael Foley
12 December 2021 21:08 PM
It’s well time to scrap the Deposits Schemes & Prescribed Information bringing the whole business into disrepute. It’s total injustice why should any landlord have to give back the worthless Deposit to a Tenant not alone 3 times more as well. The Deposit is no longer protecting the property which is what it should be for but instead you are just minding money for the Tenant and potentially getting saddled with a huge liability of 3 times more for what ? If they misappropriate the rent they are not required to pay 3 times more.
From:
Michael Foley
12 December 2021 20:16 PM
Hi Jim. I have to disagree on this major stumbling block its massive. I know what it was like before, why it was needed and fought / campaigned so hard for it. There was virtually no buy to let prior. I don’t expect you to understand with the greatest respect because you weren’t there, as you say yourself 30 years / 1991 of course after the 1988 Act which would have been irrelevant without S.21 having been a LL since 1978 I think I should know that one. Anyway no point in calling it S.21 anyone now that its only a remnant undermined as you rightly say by Deposit debacle. How 2 Rent, EPC, DEICR, 2015 De-Regulation Act, property damage excuse, Licensing etc, any of which is likely to prevent you using S.21 its disgraceful behaviour. It will and has been noticed by the damage already done creating ASB, Cannabis growing, overcrowding, subletting, etc, didn’t exist before interference Section 21 should be reinstated to its original function to do what it was meant to do, don’t worry it will get worse, christ I struggle with this little HE.
From:
Michael Foley
11 December 2021 10:23 AM
Morning Jim, you are not on a different Planet just operate a different model really in my view. Section 21 is very necessary for the private rented Sector to have any control over the property, yes seldom we need to use it because its there, remove control over any business you know what happens and you know what I mean. I don’t mind if you are having a dig, S 21 is completely necessary. How 2 Rent now 17 pages more than doubled since start and I agree it has no value for improvement of renting because it was never meant to, only brought in as an extra cost and encumbrance to increase LL’s work load and waste time, paper, prevent use of S.21 if you didn’t serve latest one whether you could have known what that was. MHCLG moron Dept’ has 65 pages so called model Tenancy Agreement that they was us to use desperate to waste paper. There is a very simple way to avoid evictions which I have but its very risky my rents are away below the market value so no one wants to leave me.
From:
Michael Foley
11 December 2021 08:45 AM
Kieth, look at what you done you rekindled the subject a year on, if ignorance is a disease the education didn’t do much for the authors of “How to Rent”
From:
Michael Foley
10 December 2021 18:29 PM
We’ll have to ask our Boss Shelter who forced How to Rent guide upon us in 2014 and changed 10 times/ 11 issues since is my recollection. We have to be a fit & proper person but also the most appropriate person then put up with this nonsense making it up willy- nilly as to go along, are they fit & proper ?. All I know if you do a new agreement you have to serve the latest one whether it’s possible to know what that is another matter, also any other changes to Contract or becoming periodic may have to re-serve to be completely stupid and compliant.
From:
Michael Foley
10 December 2021 18:15 PM
NAO, where is your evidence that our Houses are less safe or likely to be less decent. This is rubbish and only hear say we have very good properties brought to the market at no cost whatsoever to tax payers or Government top that can you find someone cheaper to supply impossible. Why have Regulation’s / Council’s been allowed to damaged us so much for doing the right thing. It seems to me your idea of improvement is to damage us even more, we need less Regulation for the Sector to improve not more we are strangled. Forget about white paper and green papers going to make more mess.
From:
Michael Foley
10 December 2021 09:26 AM
Seems like my comment here was removed probably unbelievable but every word true good luck.
From:
Michael Foley
10 December 2021 08:20 AM
NAC, are you blindfolded do you not know that Government & Council’s have done enormous damage to private Tenants driving up costs on private LL in turn making rents unaffordable. Painting LL’s Rogues as a cover to take tens of millions out of private rented sector.
From:
Michael Foley
10 December 2021 08:07 AM
Tenant jailed for punching LL ?, WRONG HEADLINE He wasn’t a Tenant he was a Lodger., completely different occupant.
From:
Michael Foley
10 December 2021 06:46 AM
Ever since they took away LL rights excluded him from the property, caused anti-Social behaviour, caused cannabis growing, caused overcrowding with licensing schemes reducing how many LL can have, so some tenants had a field day filling the capacity, many a house was built or bought by the occupants in foreign parts on the back of ths interference. Their actions also invented R2R the greatest scam of our time, any of didn’t exist before and now make more rules & laws to prosecute the victim.
From:
Michael Foley
09 December 2021 14:02 PM
Agree, very seldom we needed to use Section 21 because it was there and the Tenants knew you could take action if it came to that, take it away and see what happens we’ll be back like how it was before being introduced. Did someone say the best guide to the future is what happened in the past.
From:
Michael Foley
09 December 2021 10:10 AM
Shelter, you house them then all you ever do is knock and despise private landlords that house millions. Polly, take a £70k pay cut and you’ll have £63k pay pa + any expenses that we are not privy to and still too much for someone making herself popular by doing a hatchet job on PRS.
From:
Michael Foley
09 December 2021 09:12 AM
Emily, exactly right and didn’t they always get their Deposit back when they looked after the Place. I never failed to give Deposit ever even when there was obvious damage and we always finish on good terms, at least we knew when they were leaving not getting behind with rent and disappearing How can Rents go up when they can’t afford it now, reality check please, come down off that cloud.
From:
Michael Foley
08 December 2021 10:26 AM
Not yet another Deposit Scheme what for. Why not let the LL have his Deposit to protect his Property. Which is what it was meant for, not this rubbish of protection the Deposit itself adding another burden on the LL. That’s why I have to forego £24k Deposits in preference to those useless schemes impinging on your rights and undermining Section 21. I don’t see any of those guys jumping to set up Rent Guarantee Schemes.
From:
Michael Foley
08 December 2021 08:56 AM
BBC Radio 4 is right there is massive fraud going on in the rented sector. Although they missed the biggest fraud on private Landlords by the Authorities.
From:
Michael Foley
08 December 2021 06:50 AM
This is absolutely amazing that a Council Chief can come out with a dum Statement like this. “Dangerously UnRegulated” indeed. Does she not know that we have over 150 pieces of legislation governing us, among the most Regulated business in the Country, come on now play fair, we have to be a fit and proper person but also be the most appropriate person and then have to listen to this nonsense.
From:
Michael Foley
07 December 2021 19:36 PM
Where allegedly are all those Rogue LL’s if they exist, if they exist you must Know who they are and authorities can easily deal with them, if they don’t know it’s speculation and here say and should stop using those slanderous derogatory remarks turning public against us. I never heard Councils refer to LL’s without calling them Rogues. Suppose someone make a racist comment they would probably be locked up. It ok to keep discrimination and de-meaning private Landlords.
From:
Michael Foley
07 December 2021 18:18 PM
GD, I don’t think even doing all those things will get you a C needs a bit more. I wouldn’t be too concerned about the cavity fill the products are tested and passed. However you could get them to use the beads one like little balls of polystyrene, better for filling narrow cavity’s or spaces. They will try to talk you out of it, its more expensive
From:
Michael Foley
07 December 2021 14:12 PM
I have smart meters in my house that haven’t been used in 4 years since I switched from British Gas to EDF either BG wouldn’t let them use their smart meters or not compatible with their systems, so I am back to sending reading meters, wonderful
From:
Michael Foley
07 December 2021 13:27 PM
The Council’s had tax payers money to do the work and don’t pay tax on their rental income. We have to pay for the property, up dating and taxes plus pay Council to look at it, hardly a fair comparison. Looks like the whole family had made use of subsidised housing.
From:
Michael Foley
07 December 2021 11:45 AM
Well if the Tenants can’t afford to rent my good quality properties which are all £300.00 to £400.00 per month below the market and some houses at least £1’000 pm below the going rate, yet it doesn’t stop me getting clobbered with a mountain of regulatory costs (do you want the list) & requirements + repeated licensing fees.
From:
Michael Foley
07 December 2021 10:57 AM
How many LL have done this right to rent checks, it’s an nightmare doing settlement checks on Government website and another layer of unpaid bureaucracy, they’ll have Passport / ID card and Home Office settlement letter, However when you check it out some of the codes don’t work, again making it more unpaid work problems for us.
From:
Michael Foley
06 December 2021 18:21 PM
Regulation’s keep LL out at all costs, don’t let he see what going on, then fine LL for not being in control.
From:
Michael Foley
06 December 2021 16:56 PM
AQ, you are having a laugh, too many vulnerable Landlords being milked by everyone, look at facts and see how many extra rules, charges and costs we have had to absorb in recent years. I can give you a list to enlighten you if you want. Or Course all licensing increase LL’s costs, don’t forget compliance costs which is much higher but Councils not a penny cost on them legalised robbery. I would be vulnerable too only for me.
From:
Michael Foley
06 December 2021 09:49 AM
I don’t believe that there’s any shortage of Housing and won’t be either where are the people going to come from. I see no scarcity what I see is thousands of high rise already built, thousands more under construction, thousands more in the pipe line, if those are filled up no Tenants for traditional LL, our house prices will fall and the big boys as now will get preferential treatment. There are huge waiting lists for Council housing but they are living somewhere already and not interested in paying full or market rent do you think they are stupid or something when they see millions on it already. Grenfell disaster 72 die rip in this 22 storey block of Flats but nothing learned at all. Just a mile up same a 40 road 2 Tower blocks 50/55 storey blocks of Flats nearing completion, for good measure 6 more 50 storey blocks of Flats planned for Acton Town Centre half a mile away, need I say more?, the couldn’t cope with one less than half the height/ 22 storey . The Company that made the Insulation for Grenfell is likely to be making the product that we are being forced insulated out houses with, good isn’t if they find anything wrong with that down the line the Town will have to be demolished.
From:
Michael Foley
04 December 2021 15:16 PM
Andrew on a lighter note from yesterday, take no notice of London prices. Even if one London property is worth more than your 4 or command more rent than all, if you get one property empty you still have income from 3 other, better spread if one expensive is empty you have nothing .
From:
Michael Foley
04 December 2021 08:05 AM
I bought them a condensing drier just put it anywhere but same problem as you they wouldn’t pay for the electric, anyhow corona is best cure for mould & mildew. I see windows open for first time in years.
From:
Michael Foley
03 December 2021 16:28 PM
A 2 double bed Flat in zone 3 will set you back £500’k and rent for £1200/1300pm. I have one 2 bed let for £1200 pm because they are struggling, and a good size 3 bed let for £1350 pm both licensed and up graded to comply with building regulation’s 1991, (shouldn’t have needed a license the council didn’t know their own rules) with good living rooms and private gardens. I have no doubt you have London rents in Glasgow without the high purchase costs of the property, we are stuffed .
From:
Michael Foley
03 December 2021 15:44 PM
Pat, I wouldn’t go demolishing my property to get at the land. I will leave that to the Developers in London that has burned down so many Pubs prior to looking for permission to build huge numbers of high rise Flats with 2 m2 outside recreational space in the sky (their gardens) and clearly not required. Regarding inflation Robert got it right. I think of it in a similar way I call it currency de-valuation.
From:
Michael Foley
03 December 2021 14:50 PM
Sorry Robert my mistake you didn’t say how many bed your flat was.
From:
Michael Foley
03 December 2021 14:20 PM
Robert, different kettle of fish for me some rents haven’t hardly stirred in years since 2006 when Mandatory licensing was introduced following 2004 housing Act, as an example one that has been licensed 3 times is 5 double bedrooms 25 X 12 lounge dining room separate fully equipped kitchen, 2 kitchen sinks with range cooker double oven / 8 burner hob, American style fridge/freezer etc, Garden, 2 parking spaces, in London, Zone 3, currently let for £2’200 pcm, and hammered with regulation’s, so if can get £2’100 pcm for one bed in Scotland good luck to you.
From:
Michael Foley
03 December 2021 14:14 PM
Exactly that face to face value better than all the checks, you’ll soon get the feeling in your bones what they are all about. The rent guarantee insurance if you can get it you don’t need it. Just reinstate Section 21 how it was and give LL back control of his property. I get on well with my Tenants some can be difficult at times and I am awkward enough myself as a LL you can’t be too cosy either just keep that one step between you but I never get rid of rent paying Tenants and they know that no matter what damage I’ll fix. I am just sorry the day that they leave
From:
Michael Foley
03 December 2021 10:54 AM
The Re-Licensing again and again that’s the killer. When many never done one, while others are not required to do so. When you have done everything they wanted brought it up to standard why can’t we be left alone until everyone else have done the same.
From:
Michael Foley
03 December 2021 08:30 AM
28% CGT on your property and 40% Graveyard Tax on yourself.
From:
Michael Foley
02 December 2021 20:16 PM
Why use private LL to do your job, you have spent the last 15 years doing your utmost to destroy us. Its disgraceful to see anyone sleeping rough on the streets in a wealthy Country at any time of year, you hold your pets in higher regard. The local Authorities should be fined for not doing their job, how about a £5k to £30k penalty like they have willy-nilly for private LL’s, even for the Council employees who are in a position for carrying out this duty instead of big salaries for nothing only to cripple PRS. So now you have another £30m of tax payers money to spare get out there tonight and get them under cover. I think you are too obsessed complaining LL’s who already supply good quality housing. I am sure those misfortune human beings down on their luck for any number of reasons would love to get under the roof of an F or a G, you morons. Regarding NRLA I am not going to knock them as we don’t have many places to turn to for support although I was much happier when Mr Richard Lambert was CEO a brilliant guy.
From:
Michael Foley
02 December 2021 18:41 PM
Peter, I believe what you say is right but not all things are the same to my mind. Leaving it in a Will is a different matter, if you dispose of the property but by which means, I see a difference between disposing by selling rather than giving it away. I think what I said was right to and all those schemes and allowance don’t apply when talking about London in the main, estate’s over 2m all allowances are washed away.
From:
Michael Foley
02 December 2021 15:18 PM
George, maybe he forgot to take photo of room stat.
From:
Michael Foley
02 December 2021 12:51 PM
Don’t know what to think gift rap the house in polyurethane foam stuff, then open the windows to let the virus out.
From:
Michael Foley
02 December 2021 12:35 PM
Nationwide gives them money as well, yet LL are their biggest customer with their subsidiary TMW, M & S gives them 5% of my sandwich enough to choke me.
From:
Michael Foley
02 December 2021 09:36 AM
Peter, as I understand it if you give the property away now you have to pay the CGT on transfer, but you are not finished yet with it, you have to know when you are go to die / the 7 year rule that’s really only 4 as they don’t count the first 3 years as any reduction in IHT, so if you die after 3 years you’ll have paid CGT for nothing and still have to pay 40% IHT. Same difference if you sold the property pay the CGT now , when you die pay another 40% of the remnants you have left. I agree it ridiculous paying tax purely on inflation or decrease in current value as they have done away with index linking and taper relief.
From:
Michael Foley
02 December 2021 08:37 AM
Suffered far too much already with HMO requirements some nightmare trying to work around Tenants with hard wired electrics everywhere full of their belongings, fire doors, stops, frames up grading, locks, closers etc, see how you go on when you start using planers, routers etc making noise and dust with limited space to work, incidentally LL pays for all this big surprise but also have to pay the Council £1400. as a thank for forcing him to do it. EPC’s next problem some of mine are Victorian 9” solid walls beautiful yellow stock bricks with red architectural feature designs around windows & doors not like the plain rubbish looking building of today indistinguishable from office buildings. I don’t want to cover up this timeless maintenance free external brick work. Inside so difficult some have part open plan with fitted kitchens, then the electrics involvement and bathrooms ?, you are proposing to do this with Tenant in situ ? and now want longer/ indefinite tenancies making it impossible to get a vacant period to do it.
From:
Michael Foley
02 December 2021 07:52 AM
All rip off taxes we are already paying 28% cgt that’s 8% super surcharge CGT that don’t apply to anyone else only LL like me stupid enough to be paying 40% income tax already, (otherwise cheaper CGT rate) No wonder they are dithering at what they were proposing, increasing it to my personal tax rate of 40% the same as Inheritance tax, so there’s the possibility of paying 40% CGT & 40% IHT (80%) why don’t they just take it off our hands and save us all this torture, nothing but grief & penalties, I think that £12.5k annual CGT allowance is not available for higher rate tax payers either. The tax rate should be reduce on a scale according how much tax you actually pay, the more you pay the better rate you should get encouraging business not stifling it and not all the time favouring people who doddle along paying very little or nothing, put that in your think tank.
From:
Michael Foley
02 December 2021 04:54 AM
The other point is you with the 4 Terrace Houses for £650k, you and I presume your good lady wife is not too presumptuous of me, can be passed on as part of your Estate the 4 houses free of tax with the nil rate band allowance, also giving you far more flexibility how to distribute your Estate to family members, we are stuffed.
From:
Michael Foley
01 December 2021 22:32 PM
Andrew £ for £ you make double your investment compared to London, it nonsense down here with 32 London Boroughs doing their utmost to grab every penny with licensing, fines, penalties and confiscation Orders, easy money for them with no input. Their fines are huge as is their legal charges sometimes in tens of thousands making a mockery of justice system.
From:
Michael Foley
01 December 2021 22:13 PM
Some London LL’s the cherry pickers are getting good rents but many are not although hit with more regulation and far higher costs than other parts of uk. I have a property for example valued at £650k judging by some other sales locally let for £1500, pm. I know of a similar house out of town recently purchased a couple of miles from Luton Airport cost £375k and command a rent of £1800 pm, make what you will of that. London is high value property not matched by the return.
From:
Michael Foley
01 December 2021 20:34 PM
Wendy, exactly right it should apply to all residential property across the board regardless, not picking on one section of the community which is a fraction of the housing stock, how is present policy go to improve the situation over all by excluding 75% of properties. It seems they love to divide us and it works well, a bit like Settlement Status for renters it’s a nightmare and when I try to verify the documents on Government website the codes doesn’t work leaving us in limbo, anyway it only applies to England as I understand it, not Scotland or Wales, and all work load and costs transferred to LL, as with all other aspects of renting not a penny from anyone else and forget about rent increases that is not affordable that cannot work. Looks like my yields are about 2.5% not 6/8% the media would have you believe.
From:
Michael Foley
01 December 2021 18:58 PM
Don’t remember it this way must be Shelters 2015 De-Regulation Act, implemented on 1st June 2019 fees ban.
From:
Michael Foley
01 December 2021 10:00 AM
I seen a house at Auction with broken windows, no back door just a piece of plywood screwed over and 4 ft hole in the roof, it had EPC “C” and sold well
From:
Michael Foley
01 December 2021 07:28 AM
Well managed properties that LL have been left no Authority to manage. Anti-Social Behaviours that didn’t exist before Regulations when LL had rights and not excluded from the property. Never over crowding before HMO Regulations clipped LL’s wings and removed his ability to manage. Fine the powerless LL for Tenants miss-behaviour some farce, we are not the Police and if all Police powers were removed how would they operate.
From:
Michael Foley
01 December 2021 07:21 AM
Hi Karen, so sorry for your situation but not uncommon I have had that a number of times and suffer in silence, sometimes takes months and costs thousands to put right, so now we have Safe Agents safe for them of course was Arla not enough, now Redress Schemes but redress for whom and who pays the piper. This is the result of all this anti-LL hype and adverse laws in recent years. So many carving out a soft business model for themselves sometimes in collusion with the Council they all have the snouts in the trough
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From: Michael Foley
04 August 2022 07:32 AM
From: Michael Foley
04 August 2022 07:02 AM
From: Michael Foley
03 August 2022 22:59 PM
From: Michael Foley
03 August 2022 22:42 PM
From: Michael Foley
03 August 2022 22:30 PM
From: Michael Foley
03 August 2022 21:17 PM
From: Michael Foley
03 August 2022 19:42 PM
From: Michael Foley
03 August 2022 19:03 PM
From: Michael Foley
03 August 2022 12:55 PM
From: Michael Foley
03 August 2022 11:59 AM
From: Michael Foley
03 August 2022 07:30 AM
From: Michael Foley
03 August 2022 07:26 AM
From: Michael Foley
02 August 2022 21:13 PM
From: Michael Foley
02 August 2022 19:11 PM
From: Michael Foley
02 August 2022 18:25 PM
From: Michael Foley
02 August 2022 18:19 PM
From: Michael Foley
02 August 2022 17:30 PM
From: Michael Foley
02 August 2022 17:17 PM
From: Michael Foley
02 August 2022 16:54 PM
From: Michael Foley
02 August 2022 10:43 AM
From: Michael Foley
02 August 2022 07:58 AM
From: Michael Foley
02 August 2022 07:50 AM
From: Michael Foley
01 August 2022 23:15 PM
From: Michael Foley
01 August 2022 22:09 PM
From: Michael Foley
01 August 2022 21:53 PM
From: Michael Foley
01 August 2022 21:12 PM
From: Michael Foley
01 August 2022 18:47 PM
From: Michael Foley
01 August 2022 07:47 AM
From: Michael Foley
01 August 2022 03:09 AM
From: Michael Foley
01 August 2022 01:57 AM
From: Michael Foley
30 July 2022 16:24 PM
From: Michael Foley
30 July 2022 12:51 PM
From: Michael Foley
30 July 2022 10:58 AM
From: Michael Foley
30 July 2022 06:22 AM
From: Michael Foley
30 July 2022 06:02 AM
From: Michael Foley
30 July 2022 05:41 AM
From: Michael Foley
29 July 2022 20:05 PM
From: Michael Foley
29 July 2022 17:21 PM
From: Michael Foley
29 July 2022 09:10 AM
From: Michael Foley
29 July 2022 08:01 AM
From: Michael Foley
28 July 2022 07:06 AM
From: Michael Foley
27 July 2022 17:31 PM
From: Michael Foley
27 July 2022 13:29 PM
From: Michael Foley
27 July 2022 10:14 AM
From: Michael Foley
27 July 2022 10:00 AM
From: Michael Foley
27 July 2022 07:04 AM
From: Michael Foley
26 July 2022 17:07 PM
From: Michael Foley
26 July 2022 08:15 AM
From: Michael Foley
26 July 2022 07:02 AM
From: Michael Foley
25 July 2022 10:54 AM
From: Michael Foley
25 July 2022 07:48 AM
From: Michael Foley
23 July 2022 21:33 PM
From: Michael Foley
23 July 2022 19:57 PM
From: Michael Foley
23 July 2022 19:36 PM
From: Michael Foley
22 July 2022 18:41 PM
From: Michael Foley
22 July 2022 18:19 PM
From: Michael Foley
22 July 2022 16:32 PM
From: Michael Foley
22 July 2022 09:00 AM
From: Michael Foley
22 July 2022 07:22 AM
From: Michael Foley
22 July 2022 07:01 AM
From: Michael Foley
21 July 2022 06:35 AM
From: Michael Foley
20 July 2022 23:49 PM
From: Michael Foley
20 July 2022 21:07 PM
From: Michael Foley
20 July 2022 14:41 PM
From: Michael Foley
20 July 2022 11:38 AM
From: Michael Foley
20 July 2022 09:55 AM
From: Michael Foley
19 July 2022 11:37 AM
From: Michael Foley
18 July 2022 09:44 AM
From: Michael Foley
18 July 2022 07:36 AM
From: Michael Foley
18 July 2022 07:18 AM
From: Michael Foley
18 July 2022 07:13 AM
From: Michael Foley
17 July 2022 18:02 PM
From: Michael Foley
17 July 2022 10:12 AM
From: Michael Foley
17 July 2022 07:47 AM
From: Michael Foley
17 July 2022 07:34 AM
From: Michael Foley
16 July 2022 21:19 PM
From: Michael Foley
15 July 2022 07:12 AM
From: Michael Foley
14 July 2022 06:54 AM
From: Michael Foley
13 July 2022 23:08 PM
From: Michael Foley
13 July 2022 22:58 PM
From: Michael Foley
13 July 2022 21:12 PM
From: Michael Foley
13 July 2022 20:54 PM
From: Michael Foley
12 July 2022 22:26 PM
From: Michael Foley
12 July 2022 22:15 PM
From: Michael Foley
12 July 2022 22:09 PM
From: Michael Foley
12 July 2022 10:41 AM
From: Michael Foley
12 July 2022 08:03 AM
From: Michael Foley
11 July 2022 16:00 PM
From: Michael Foley
11 July 2022 10:20 AM
From: Michael Foley
11 July 2022 09:45 AM
From: Michael Foley
11 July 2022 08:14 AM
From: Michael Foley
11 July 2022 07:49 AM
From: Michael Foley
11 July 2022 07:06 AM
From: Michael Foley
11 July 2022 06:58 AM
From: Michael Foley
10 July 2022 20:30 PM
From: Michael Foley
10 July 2022 18:28 PM
From: Michael Foley
10 July 2022 08:44 AM
From: Michael Foley
10 July 2022 08:08 AM
From: Michael Foley
09 July 2022 20:29 PM
From: Michael Foley
09 July 2022 15:57 PM
From: Michael Foley
09 July 2022 15:12 PM
From: Michael Foley
09 July 2022 11:40 AM
From: Michael Foley
09 July 2022 11:28 AM
From: Michael Foley
08 July 2022 22:06 PM
From: Michael Foley
08 July 2022 20:12 PM
From: Michael Foley
08 July 2022 17:46 PM
From: Michael Foley
08 July 2022 07:22 AM
From: Michael Foley
08 July 2022 07:01 AM
From: Michael Foley
07 July 2022 08:39 AM
From: Michael Foley
07 July 2022 08:01 AM
From: Michael Foley
06 July 2022 22:12 PM
From: Michael Foley
06 July 2022 21:24 PM
From: Michael Foley
06 July 2022 21:06 PM
From: Michael Foley
06 July 2022 21:05 PM
From: Michael Foley
05 July 2022 14:29 PM
From: Michael Foley
05 July 2022 14:03 PM
From: Michael Foley
05 July 2022 09:11 AM
From: Michael Foley
04 July 2022 18:40 PM
From: Michael Foley
04 July 2022 13:00 PM
From: Michael Foley
04 July 2022 12:51 PM
From: Michael Foley
04 July 2022 07:43 AM
From: Michael Foley
04 July 2022 04:22 AM
From: Michael Foley
03 July 2022 07:58 AM
From: Michael Foley
03 July 2022 07:40 AM
From: Michael Foley
02 July 2022 17:19 PM
From: Michael Foley
02 July 2022 14:33 PM
From: Michael Foley
02 July 2022 13:34 PM
From: Michael Foley
02 July 2022 12:29 PM
From: Michael Foley
02 July 2022 11:52 AM
From: Michael Foley
02 July 2022 08:58 AM
From: Michael Foley
02 July 2022 08:19 AM
From: Michael Foley
01 July 2022 23:01 PM
From: Michael Foley
01 July 2022 21:44 PM
From: Michael Foley
01 July 2022 09:49 AM
From: Michael Foley
01 July 2022 07:52 AM
From: Michael Foley
30 June 2022 21:03 PM
From: Michael Foley
30 June 2022 09:03 AM
From: Michael Foley
29 June 2022 08:52 AM
From: Michael Foley
29 June 2022 07:28 AM
From: Michael Foley
29 June 2022 06:50 AM
From: Michael Foley
28 June 2022 07:56 AM
From: Michael Foley
28 June 2022 07:44 AM
From: Michael Foley
28 June 2022 07:40 AM
From: Michael Foley
28 June 2022 07:00 AM
From: Michael Foley
27 June 2022 11:56 AM
From: Michael Foley
27 June 2022 08:50 AM
From: Michael Foley
27 June 2022 08:47 AM
From: Michael Foley
27 June 2022 08:01 AM
From: Michael Foley
26 June 2022 16:49 PM
From: Michael Foley
26 June 2022 09:52 AM
From: Michael Foley
26 June 2022 07:02 AM
From: Michael Foley
25 June 2022 19:23 PM
From: Michael Foley
25 June 2022 18:53 PM
From: Michael Foley
24 June 2022 19:56 PM
From: Michael Foley
24 June 2022 07:50 AM
From: Michael Foley
23 June 2022 08:26 AM
From: Michael Foley
22 June 2022 07:17 AM
From: Michael Foley
21 June 2022 08:10 AM
From: Michael Foley
20 June 2022 14:30 PM
From: Michael Foley
20 June 2022 09:33 AM
From: Michael Foley
20 June 2022 09:21 AM
From: Michael Foley
19 June 2022 19:59 PM
From: Michael Foley
19 June 2022 09:52 AM
From: Michael Foley
18 June 2022 20:58 PM
From: Michael Foley
18 June 2022 13:56 PM
From: Michael Foley
16 June 2022 16:53 PM
From: Michael Foley
15 June 2022 12:19 PM
From: Michael Foley
15 June 2022 11:53 AM
From: Michael Foley
15 June 2022 08:29 AM
From: Michael Foley
15 June 2022 08:03 AM
From: Michael Foley
15 June 2022 07:18 AM
From: Michael Foley
14 June 2022 15:49 PM
From: Michael Foley
14 June 2022 14:35 PM
From: Michael Foley
14 June 2022 08:50 AM
From: Michael Foley
14 June 2022 08:19 AM
From: Michael Foley
13 June 2022 21:17 PM
From: Michael Foley
13 June 2022 16:53 PM
From: Michael Foley
13 June 2022 16:41 PM
From: Michael Foley
13 June 2022 16:12 PM
From: Michael Foley
13 June 2022 13:59 PM
From: Michael Foley
13 June 2022 13:27 PM
From: Michael Foley
13 June 2022 12:37 PM
From: Michael Foley
13 June 2022 12:11 PM
From: Michael Foley
13 June 2022 11:57 AM
From: Michael Foley
13 June 2022 08:38 AM
From: Michael Foley
13 June 2022 08:01 AM
From: Michael Foley
13 June 2022 07:47 AM
From: Michael Foley
13 June 2022 05:01 AM
From: Michael Foley
12 June 2022 18:31 PM
From: Michael Foley
12 June 2022 08:38 AM
From: Michael Foley
11 June 2022 17:32 PM
From: Michael Foley
11 June 2022 16:43 PM
From: Michael Foley
11 June 2022 11:07 AM
From: Michael Foley
10 June 2022 10:02 AM
From: Michael Foley
10 June 2022 09:15 AM
From: Michael Foley
10 June 2022 08:27 AM
From: Michael Foley
09 June 2022 21:19 PM
From: Michael Foley
09 June 2022 20:30 PM
From: Michael Foley
09 June 2022 08:11 AM
From: Michael Foley
09 June 2022 07:41 AM
From: Michael Foley
09 June 2022 07:31 AM
From: Michael Foley
08 June 2022 17:01 PM
From: Michael Foley
08 June 2022 16:25 PM
From: Michael Foley
08 June 2022 08:03 AM
From: Michael Foley
08 June 2022 07:35 AM
From: Michael Foley
07 June 2022 21:32 PM
From: Michael Foley
07 June 2022 12:56 PM
From: Michael Foley
06 June 2022 22:50 PM
From: Michael Foley
06 June 2022 22:00 PM
From: Michael Foley
06 June 2022 20:23 PM
From: Michael Foley
06 June 2022 17:44 PM
From: Michael Foley
06 June 2022 12:22 PM
From: Michael Foley
06 June 2022 08:55 AM
From: Michael Foley
06 June 2022 08:36 AM
From: Michael Foley
01 June 2022 20:00 PM
From: Michael Foley
01 June 2022 09:58 AM
From: Michael Foley
01 June 2022 09:26 AM
From: Michael Foley
01 June 2022 08:33 AM
From: Michael Foley
01 June 2022 08:10 AM
From: Michael Foley
01 June 2022 08:02 AM
From: Michael Foley
31 May 2022 19:44 PM
From: Michael Foley
31 May 2022 17:56 PM
From: Michael Foley
31 May 2022 14:17 PM
From: Michael Foley
31 May 2022 08:43 AM
From: Michael Foley
31 May 2022 07:46 AM
From: Michael Foley
31 May 2022 07:38 AM
From: Michael Foley
30 May 2022 20:21 PM
From: Michael Foley
30 May 2022 17:20 PM
From: Michael Foley
29 May 2022 13:09 PM
From: Michael Foley
29 May 2022 09:14 AM
From: Michael Foley
29 May 2022 08:38 AM
From: Michael Foley
29 May 2022 07:56 AM
From: Michael Foley
28 May 2022 19:05 PM
From: Michael Foley
28 May 2022 12:58 PM
From: Michael Foley
27 May 2022 22:44 PM
From: Michael Foley
27 May 2022 09:21 AM
From: Michael Foley
27 May 2022 08:52 AM
From: Michael Foley
26 May 2022 22:05 PM
From: Michael Foley
26 May 2022 21:29 PM
From: Michael Foley
26 May 2022 21:04 PM
From: Michael Foley
26 May 2022 14:14 PM
From: Michael Foley
26 May 2022 09:11 AM
From: Michael Foley
26 May 2022 08:33 AM
From: Michael Foley
26 May 2022 07:04 AM
From: Michael Foley
26 May 2022 06:59 AM
From: Michael Foley
25 May 2022 22:22 PM
From: Michael Foley
25 May 2022 20:10 PM
From: Michael Foley
25 May 2022 08:14 AM
From: Michael Foley
24 May 2022 19:37 PM
From: Michael Foley
23 May 2022 21:55 PM
From: Michael Foley
23 May 2022 21:33 PM
From: Michael Foley
23 May 2022 15:25 PM
From: Michael Foley
23 May 2022 15:07 PM
From: Michael Foley
23 May 2022 08:37 AM
From: Michael Foley
23 May 2022 08:26 AM
From: Michael Foley
23 May 2022 07:51 AM
From: Michael Foley
23 May 2022 07:15 AM
From: Michael Foley
22 May 2022 10:25 AM
From: Michael Foley
21 May 2022 23:54 PM
From: Michael Foley
21 May 2022 16:34 PM
From: Michael Foley
21 May 2022 12:28 PM
From: Michael Foley
20 May 2022 21:03 PM
From: Michael Foley
20 May 2022 20:38 PM
From: Michael Foley
20 May 2022 14:29 PM
From: Michael Foley
20 May 2022 13:58 PM
From: Michael Foley
20 May 2022 08:38 AM
From: Michael Foley
20 May 2022 02:40 AM
From: Michael Foley
19 May 2022 09:48 AM
From: Michael Foley
18 May 2022 12:23 PM
From: Michael Foley
17 May 2022 19:24 PM
From: Michael Foley
17 May 2022 16:47 PM
From: Michael Foley
17 May 2022 12:52 PM
From: Michael Foley
17 May 2022 12:47 PM
From: Michael Foley
17 May 2022 08:58 AM
From: Michael Foley
17 May 2022 08:46 AM
From: Michael Foley
17 May 2022 08:30 AM
From: Michael Foley
16 May 2022 12:36 PM
From: Michael Foley
16 May 2022 10:37 AM
From: Michael Foley
16 May 2022 10:34 AM
From: Michael Foley
16 May 2022 09:37 AM
From: Michael Foley
15 May 2022 16:26 PM
From: Michael Foley
14 May 2022 20:25 PM
From: Michael Foley
14 May 2022 15:51 PM
From: Michael Foley
14 May 2022 14:44 PM
From: Michael Foley
14 May 2022 11:32 AM
From: Michael Foley
14 May 2022 09:50 AM
From: Michael Foley
13 May 2022 10:30 AM
From: Michael Foley
12 May 2022 18:12 PM
From: Michael Foley
12 May 2022 13:51 PM
From: Michael Foley
12 May 2022 08:16 AM
From: Michael Foley
11 May 2022 23:02 PM
From: Michael Foley
11 May 2022 07:07 AM
From: Michael Foley
10 May 2022 18:13 PM
From: Michael Foley
10 May 2022 13:40 PM
From: Michael Foley
10 May 2022 09:54 AM
From: Michael Foley
10 May 2022 09:13 AM
From: Michael Foley
10 May 2022 08:32 AM
From: Michael Foley
10 May 2022 07:55 AM
From: Michael Foley
08 May 2022 09:44 AM
From: Michael Foley
07 May 2022 12:45 PM
From: Michael Foley
06 May 2022 11:03 AM
From: Michael Foley
06 May 2022 08:41 AM
From: Michael Foley
06 May 2022 08:36 AM
From: Michael Foley
04 May 2022 15:55 PM
From: Michael Foley
04 May 2022 12:23 PM
From: Michael Foley
04 May 2022 12:11 PM
From: Michael Foley
04 May 2022 10:17 AM
From: Michael Foley
04 May 2022 10:01 AM
From: Michael Foley
04 May 2022 09:16 AM
From: Michael Foley
04 May 2022 08:13 AM
From: Michael Foley
03 May 2022 14:06 PM
From: Michael Foley
03 May 2022 11:08 AM
From: Michael Foley
03 May 2022 09:03 AM
From: Michael Foley
02 May 2022 07:05 AM
From: Michael Foley
02 May 2022 06:59 AM
From: Michael Foley
01 May 2022 16:56 PM
From: Michael Foley
01 May 2022 12:59 PM
From: Michael Foley
01 May 2022 07:19 AM
From: Michael Foley
30 April 2022 14:37 PM
From: Michael Foley
30 April 2022 08:27 AM
From: Michael Foley
29 April 2022 18:49 PM
From: Michael Foley
29 April 2022 15:40 PM
From: Michael Foley
29 April 2022 07:34 AM
From: Michael Foley
29 April 2022 07:04 AM
From: Michael Foley
28 April 2022 22:38 PM
From: Michael Foley
28 April 2022 18:23 PM
From: Michael Foley
28 April 2022 18:19 PM
From: Michael Foley
28 April 2022 08:57 AM
From: Michael Foley
28 April 2022 07:50 AM
From: Michael Foley
28 April 2022 07:07 AM
From: Michael Foley
27 April 2022 21:17 PM
From: Michael Foley
27 April 2022 19:45 PM
From: Michael Foley
27 April 2022 07:21 AM
From: Michael Foley
27 April 2022 04:43 AM
From: Michael Foley
27 April 2022 01:58 AM
From: Michael Foley
26 April 2022 15:55 PM
From: Michael Foley
26 April 2022 08:24 AM
From: Michael Foley
26 April 2022 06:18 AM
From: Michael Foley
25 April 2022 22:00 PM
From: Michael Foley
25 April 2022 21:27 PM
From: Michael Foley
25 April 2022 06:55 AM
From: Michael Foley
25 April 2022 05:03 AM
From: Michael Foley
24 April 2022 12:59 PM
From: Michael Foley
24 April 2022 12:25 PM
From: Michael Foley
24 April 2022 07:31 AM
From: Michael Foley
24 April 2022 01:30 AM
From: Michael Foley
23 April 2022 08:09 AM
From: Michael Foley
23 April 2022 08:03 AM
From: Michael Foley
22 April 2022 18:27 PM
From: Michael Foley
22 April 2022 07:56 AM
From: Michael Foley
21 April 2022 18:34 PM
From: Michael Foley
21 April 2022 08:03 AM
From: Michael Foley
19 April 2022 07:05 AM
From: Michael Foley
15 April 2022 07:54 AM
From: Michael Foley
14 April 2022 21:39 PM
From: Michael Foley
14 April 2022 19:08 PM
From: Michael Foley
14 April 2022 13:23 PM
From: Michael Foley
14 April 2022 12:08 PM
From: Michael Foley
13 April 2022 18:53 PM
From: Michael Foley
13 April 2022 13:59 PM
From: Michael Foley
13 April 2022 13:43 PM
From: Michael Foley
13 April 2022 12:56 PM
From: Michael Foley
13 April 2022 11:31 AM
From: Michael Foley
13 April 2022 10:09 AM
From: Michael Foley
13 April 2022 09:21 AM
From: Michael Foley
13 April 2022 09:05 AM
From: Michael Foley
13 April 2022 04:56 AM
From: Michael Foley
12 April 2022 17:27 PM
From: Michael Foley
12 April 2022 09:06 AM
From: Michael Foley
12 April 2022 08:43 AM
From: Michael Foley
11 April 2022 17:31 PM
From: Michael Foley
11 April 2022 15:12 PM
From: Michael Foley
11 April 2022 14:49 PM
From: Michael Foley
11 April 2022 07:49 AM
From: Michael Foley
11 April 2022 07:21 AM
From: Michael Foley
11 April 2022 06:56 AM
From: Michael Foley
11 April 2022 06:29 AM
From: Michael Foley
10 April 2022 17:28 PM
From: Michael Foley
10 April 2022 09:00 AM
From: Michael Foley
10 April 2022 08:47 AM
From: Michael Foley
08 April 2022 08:54 AM
From: Michael Foley
08 April 2022 08:49 AM
From: Michael Foley
07 April 2022 11:31 AM
From: Michael Foley
07 April 2022 11:27 AM
From: Michael Foley
06 April 2022 10:15 AM
From: Michael Foley
06 April 2022 09:32 AM
From: Michael Foley
06 April 2022 08:02 AM
From: Michael Foley
06 April 2022 07:37 AM
From: Michael Foley
06 April 2022 07:09 AM
From: Michael Foley
05 April 2022 11:10 AM
From: Michael Foley
05 April 2022 08:07 AM
From: Michael Foley
05 April 2022 07:51 AM
From: Michael Foley
04 April 2022 14:06 PM
From: Michael Foley
04 April 2022 13:33 PM
From: Michael Foley
04 April 2022 10:14 AM
From: Michael Foley
04 April 2022 09:10 AM
From: Michael Foley
04 April 2022 08:31 AM
From: Michael Foley
04 April 2022 08:08 AM
From: Michael Foley
04 April 2022 07:47 AM
From: Michael Foley
02 April 2022 11:40 AM
From: Michael Foley
01 April 2022 14:42 PM
From: Michael Foley
01 April 2022 14:32 PM
From: Michael Foley
31 March 2022 19:37 PM
From: Michael Foley
31 March 2022 14:34 PM
From: Michael Foley
31 March 2022 14:23 PM
From: Michael Foley
31 March 2022 09:35 AM
From: Michael Foley
30 March 2022 15:28 PM
From: Michael Foley
30 March 2022 12:35 PM
From: Michael Foley
30 March 2022 11:14 AM
From: Michael Foley
30 March 2022 08:16 AM
From: Michael Foley
29 March 2022 15:07 PM
From: Michael Foley
29 March 2022 14:57 PM
From: Michael Foley
29 March 2022 12:28 PM
From: Michael Foley
29 March 2022 12:23 PM
From: Michael Foley
29 March 2022 08:19 AM
From: Michael Foley
28 March 2022 17:10 PM
From: Michael Foley
28 March 2022 09:51 AM
From: Michael Foley
28 March 2022 08:56 AM
From: Michael Foley
28 March 2022 08:03 AM
From: Michael Foley
27 March 2022 21:26 PM
From: Michael Foley
27 March 2022 13:22 PM
From: Michael Foley
27 March 2022 10:44 AM
From: Michael Foley
26 March 2022 17:53 PM
From: Michael Foley
25 March 2022 13:00 PM
From: Michael Foley
25 March 2022 11:37 AM
From: Michael Foley
25 March 2022 09:48 AM
From: Michael Foley
25 March 2022 09:12 AM
From: Michael Foley
25 March 2022 08:08 AM
From: Michael Foley
25 March 2022 04:18 AM
From: Michael Foley
24 March 2022 18:33 PM
From: Michael Foley
24 March 2022 15:48 PM
From: Michael Foley
24 March 2022 15:26 PM
From: Michael Foley
24 March 2022 11:01 AM
From: Michael Foley
23 March 2022 19:08 PM
From: Michael Foley
23 March 2022 17:20 PM
From: Michael Foley
23 March 2022 12:01 PM
From: Michael Foley
23 March 2022 11:02 AM
From: Michael Foley
23 March 2022 07:14 AM
From: Michael Foley
23 March 2022 03:51 AM
From: Michael Foley
22 March 2022 08:38 AM
From: Michael Foley
22 March 2022 07:58 AM
From: Michael Foley
22 March 2022 07:31 AM
From: Michael Foley
21 March 2022 16:31 PM
From: Michael Foley
21 March 2022 16:04 PM
From: Michael Foley
21 March 2022 08:15 AM
From: Michael Foley
21 March 2022 07:54 AM
From: Michael Foley
21 March 2022 07:08 AM
From: Michael Foley
21 March 2022 07:02 AM
From: Michael Foley
20 March 2022 12:32 PM
From: Michael Foley
20 March 2022 07:03 AM
From: Michael Foley
19 March 2022 08:15 AM
From: Michael Foley
18 March 2022 15:44 PM
From: Michael Foley
18 March 2022 14:01 PM
From: Michael Foley
18 March 2022 12:23 PM
From: Michael Foley
18 March 2022 09:40 AM
From: Michael Foley
18 March 2022 08:04 AM
From: Michael Foley
18 March 2022 07:49 AM
From: Michael Foley
18 March 2022 05:03 AM
From: Michael Foley
18 March 2022 04:28 AM
From: Michael Foley
17 March 2022 21:39 PM
From: Michael Foley
17 March 2022 19:37 PM
From: Michael Foley
17 March 2022 07:04 AM
From: Michael Foley
16 March 2022 21:40 PM
From: Michael Foley
16 March 2022 17:08 PM
From: Michael Foley
16 March 2022 16:45 PM
From: Michael Foley
16 March 2022 11:21 AM
From: Michael Foley
16 March 2022 10:53 AM
From: Michael Foley
16 March 2022 07:13 AM
From: Michael Foley
16 March 2022 04:58 AM
From: Michael Foley
15 March 2022 07:52 AM
From: Michael Foley
15 March 2022 07:33 AM
From: Michael Foley
14 March 2022 21:36 PM
From: Michael Foley
14 March 2022 14:25 PM
From: Michael Foley
14 March 2022 07:21 AM
From: Michael Foley
12 March 2022 19:29 PM
From: Michael Foley
12 March 2022 11:06 AM
From: Michael Foley
12 March 2022 09:06 AM
From: Michael Foley
11 March 2022 19:44 PM
From: Michael Foley
11 March 2022 09:27 AM
From: Michael Foley
11 March 2022 07:36 AM
From: Michael Foley
11 March 2022 07:06 AM
From: Michael Foley
10 March 2022 16:37 PM
From: Michael Foley
10 March 2022 09:43 AM
From: Michael Foley
09 March 2022 07:32 AM
From: Michael Foley
09 March 2022 07:13 AM
From: Michael Foley
08 March 2022 23:43 PM
From: Michael Foley
08 March 2022 22:57 PM
From: Michael Foley
08 March 2022 09:34 AM
From: Michael Foley
07 March 2022 20:17 PM
From: Michael Foley
07 March 2022 17:49 PM
From: Michael Foley
07 March 2022 17:15 PM
From: Michael Foley
07 March 2022 11:15 AM
From: Michael Foley
07 March 2022 07:21 AM
From: Michael Foley
06 March 2022 05:42 AM
From: Michael Foley
05 March 2022 17:12 PM
From: Michael Foley
05 March 2022 16:56 PM
From: Michael Foley
05 March 2022 12:54 PM
From: Michael Foley
05 March 2022 05:19 AM
From: Michael Foley
04 March 2022 15:16 PM
From: Michael Foley
03 March 2022 11:17 AM
From: Michael Foley
02 March 2022 23:06 PM
From: Michael Foley
02 March 2022 12:59 PM
From: Michael Foley
02 March 2022 12:07 PM
From: Michael Foley
02 March 2022 10:45 AM
From: Michael Foley
02 March 2022 09:25 AM
From: Michael Foley
02 March 2022 07:29 AM
From: Michael Foley
01 March 2022 17:30 PM
From: Michael Foley
01 March 2022 12:34 PM
From: Michael Foley
01 March 2022 08:22 AM
From: Michael Foley
28 February 2022 07:27 AM
From: Michael Foley
27 February 2022 18:03 PM
From: Michael Foley
27 February 2022 09:44 AM
From: Michael Foley
27 February 2022 07:24 AM
From: Michael Foley
26 February 2022 14:27 PM
From: Michael Foley
26 February 2022 12:04 PM
From: Michael Foley
26 February 2022 07:34 AM
From: Michael Foley
25 February 2022 14:56 PM
From: Michael Foley
25 February 2022 14:39 PM
From: Michael Foley
25 February 2022 09:48 AM
From: Michael Foley
25 February 2022 08:56 AM
From: Michael Foley
25 February 2022 08:25 AM
From: Michael Foley
25 February 2022 06:46 AM
From: Michael Foley
24 February 2022 22:23 PM
From: Michael Foley
24 February 2022 11:36 AM
From: Michael Foley
24 February 2022 06:32 AM
From: Michael Foley
23 February 2022 17:49 PM
From: Michael Foley
22 February 2022 18:35 PM
From: Michael Foley
22 February 2022 17:06 PM
From: Michael Foley
22 February 2022 16:54 PM
From: Michael Foley
22 February 2022 07:01 AM
From: Michael Foley
21 February 2022 20:48 PM
From: Michael Foley
21 February 2022 18:33 PM
From: Michael Foley
21 February 2022 18:19 PM
From: Michael Foley
19 February 2022 17:25 PM
From: Michael Foley
19 February 2022 16:35 PM
From: Michael Foley
19 February 2022 13:50 PM
From: Michael Foley
18 February 2022 17:56 PM
From: Michael Foley
18 February 2022 08:16 AM
From: Michael Foley
17 February 2022 17:07 PM
From: Michael Foley
17 February 2022 15:15 PM
From: Michael Foley
17 February 2022 09:29 AM
From: Michael Foley
17 February 2022 09:24 AM
From: Michael Foley
17 February 2022 09:02 AM
From: Michael Foley
16 February 2022 18:28 PM
From: Michael Foley
16 February 2022 11:41 AM
From: Michael Foley
16 February 2022 08:51 AM
From: Michael Foley
16 February 2022 08:10 AM
From: Michael Foley
16 February 2022 00:11 AM
From: Michael Foley
15 February 2022 22:44 PM
From: Michael Foley
15 February 2022 21:14 PM
From: Michael Foley
14 February 2022 17:20 PM
From: Michael Foley
14 February 2022 17:06 PM
From: Michael Foley
14 February 2022 10:41 AM
From: Michael Foley
14 February 2022 09:06 AM
From: Michael Foley
14 February 2022 08:06 AM
From: Michael Foley
13 February 2022 20:23 PM
From: Michael Foley
13 February 2022 19:40 PM
From: Michael Foley
12 February 2022 14:36 PM
From: Michael Foley
12 February 2022 10:15 AM
From: Michael Foley
11 February 2022 22:59 PM
From: Michael Foley
11 February 2022 17:34 PM
From: Michael Foley
11 February 2022 12:36 PM
From: Michael Foley
11 February 2022 12:16 PM
From: Michael Foley
11 February 2022 09:18 AM
From: Michael Foley
11 February 2022 07:46 AM
From: Michael Foley
10 February 2022 17:08 PM
From: Michael Foley
10 February 2022 15:53 PM
From: Michael Foley
10 February 2022 15:00 PM
From: Michael Foley
10 February 2022 14:05 PM
From: Michael Foley
10 February 2022 12:15 PM
From: Michael Foley
10 February 2022 12:11 PM
From: Michael Foley
10 February 2022 09:44 AM
From: Michael Foley
10 February 2022 09:22 AM
From: Michael Foley
10 February 2022 09:08 AM
From: Michael Foley
10 February 2022 08:32 AM
From: Michael Foley
09 February 2022 19:33 PM
From: Michael Foley
09 February 2022 18:41 PM
From: Michael Foley
08 February 2022 18:14 PM
From: Michael Foley
08 February 2022 17:35 PM
From: Michael Foley
08 February 2022 12:22 PM
From: Michael Foley
08 February 2022 11:50 AM
From: Michael Foley
08 February 2022 09:15 AM
From: Michael Foley
08 February 2022 08:48 AM
From: Michael Foley
07 February 2022 14:15 PM
From: Michael Foley
07 February 2022 12:47 PM
From: Michael Foley
07 February 2022 09:53 AM
From: Michael Foley
07 February 2022 09:11 AM
From: Michael Foley
07 February 2022 08:36 AM
From: Michael Foley
07 February 2022 05:26 AM
From: Michael Foley
07 February 2022 05:07 AM
From: Michael Foley
06 February 2022 19:34 PM
From: Michael Foley
06 February 2022 09:10 AM
From: Michael Foley
05 February 2022 15:04 PM
From: Michael Foley
05 February 2022 11:26 AM
From: Michael Foley
04 February 2022 21:30 PM
From: Michael Foley
04 February 2022 19:49 PM
From: Michael Foley
04 February 2022 16:14 PM
From: Michael Foley
04 February 2022 15:43 PM
From: Michael Foley
04 February 2022 11:03 AM
From: Michael Foley
04 February 2022 10:29 AM
From: Michael Foley
04 February 2022 09:36 AM
From: Michael Foley
04 February 2022 09:03 AM
From: Michael Foley
04 February 2022 08:40 AM
From: Michael Foley
04 February 2022 08:18 AM
From: Michael Foley
03 February 2022 19:17 PM
From: Michael Foley
03 February 2022 18:40 PM
From: Michael Foley
03 February 2022 14:05 PM
From: Michael Foley
03 February 2022 11:00 AM
From: Michael Foley
03 February 2022 10:11 AM
From: Michael Foley
02 February 2022 20:28 PM
From: Michael Foley
02 February 2022 18:39 PM
From: Michael Foley
02 February 2022 16:45 PM
From: Michael Foley
02 February 2022 15:10 PM
From: Michael Foley
02 February 2022 11:10 AM
From: Michael Foley
02 February 2022 10:32 AM
From: Michael Foley
02 February 2022 10:14 AM
From: Michael Foley
02 February 2022 10:07 AM
From: Michael Foley
02 February 2022 09:32 AM
From: Michael Foley
02 February 2022 08:31 AM
From: Michael Foley
02 February 2022 08:29 AM
From: Michael Foley
02 February 2022 03:32 AM
From: Michael Foley
02 February 2022 03:19 AM
From: Michael Foley
01 February 2022 11:47 AM
From: Michael Foley
01 February 2022 09:04 AM
From: Michael Foley
01 February 2022 07:45 AM
From: Michael Foley
31 January 2022 20:57 PM
From: Michael Foley
31 January 2022 19:59 PM
From: Michael Foley
31 January 2022 16:31 PM
From: Michael Foley
31 January 2022 15:19 PM
From: Michael Foley
31 January 2022 15:00 PM
From: Michael Foley
31 January 2022 14:41 PM
From: Michael Foley
31 January 2022 12:58 PM
From: Michael Foley
31 January 2022 09:04 AM
From: Michael Foley
31 January 2022 08:54 AM
From: Michael Foley
29 January 2022 12:05 PM
From: Michael Foley
29 January 2022 11:59 AM
From: Michael Foley
29 January 2022 10:31 AM
From: Michael Foley
28 January 2022 22:27 PM
From: Michael Foley
28 January 2022 18:37 PM
From: Michael Foley
28 January 2022 17:16 PM
From: Michael Foley
28 January 2022 16:20 PM
From: Michael Foley
28 January 2022 14:01 PM
From: Michael Foley
28 January 2022 11:54 AM
From: Michael Foley
28 January 2022 08:53 AM
From: Michael Foley
27 January 2022 10:15 AM
From: Michael Foley
26 January 2022 18:10 PM
From: Michael Foley
26 January 2022 17:18 PM
From: Michael Foley
26 January 2022 07:18 AM
From: Michael Foley
26 January 2022 06:29 AM
From: Michael Foley
26 January 2022 06:17 AM
From: Michael Foley
25 January 2022 13:32 PM
From: Michael Foley
25 January 2022 12:53 PM
From: Michael Foley
25 January 2022 08:39 AM
From: Michael Foley
25 January 2022 04:00 AM
From: Michael Foley
24 January 2022 23:15 PM
From: Michael Foley
24 January 2022 19:51 PM
From: Michael Foley
24 January 2022 18:35 PM
From: Michael Foley
24 January 2022 17:50 PM
From: Michael Foley
24 January 2022 13:46 PM
From: Michael Foley
24 January 2022 12:59 PM
From: Michael Foley
24 January 2022 12:42 PM
From: Michael Foley
21 January 2022 18:45 PM
From: Michael Foley
21 January 2022 18:22 PM
From: Michael Foley
21 January 2022 10:02 AM
From: Michael Foley
20 January 2022 19:56 PM
From: Michael Foley
20 January 2022 16:16 PM
From: Michael Foley
20 January 2022 10:17 AM
From: Michael Foley
20 January 2022 09:44 AM
From: Michael Foley
20 January 2022 08:44 AM
From: Michael Foley
19 January 2022 09:11 AM
From: Michael Foley
18 January 2022 22:46 PM
From: Michael Foley
18 January 2022 20:11 PM
From: Michael Foley
18 January 2022 15:20 PM
From: Michael Foley
18 January 2022 10:43 AM
From: Michael Foley
18 January 2022 09:52 AM
From: Michael Foley
18 January 2022 09:33 AM
From: Michael Foley
18 January 2022 08:23 AM
From: Michael Foley
17 January 2022 22:38 PM
From: Michael Foley
17 January 2022 21:48 PM
From: Michael Foley
17 January 2022 19:59 PM
From: Michael Foley
17 January 2022 17:59 PM
From: Michael Foley
17 January 2022 08:48 AM
From: Michael Foley
17 January 2022 08:02 AM
From: Michael Foley
17 January 2022 02:43 AM
From: Michael Foley
16 January 2022 18:48 PM
From: Michael Foley
16 January 2022 17:25 PM
From: Michael Foley
16 January 2022 12:36 PM
From: Michael Foley
16 January 2022 12:01 PM
From: Michael Foley
16 January 2022 06:48 AM
From: Michael Foley
14 January 2022 13:17 PM
From: Michael Foley
14 January 2022 08:33 AM
From: Michael Foley
13 January 2022 22:38 PM
From: Michael Foley
13 January 2022 21:02 PM
From: Michael Foley
13 January 2022 17:50 PM
From: Michael Foley
13 January 2022 15:52 PM
From: Michael Foley
13 January 2022 13:09 PM
From: Michael Foley
13 January 2022 12:23 PM
From: Michael Foley
13 January 2022 09:05 AM
From: Michael Foley
12 January 2022 20:47 PM
From: Michael Foley
12 January 2022 19:55 PM
From: Michael Foley
12 January 2022 19:06 PM
From: Michael Foley
12 January 2022 17:23 PM
From: Michael Foley
12 January 2022 16:05 PM
From: Michael Foley
12 January 2022 16:01 PM
From: Michael Foley
12 January 2022 14:15 PM
From: Michael Foley
12 January 2022 11:00 AM
From: Michael Foley
12 January 2022 10:42 AM
From: Michael Foley
11 January 2022 09:26 AM
From: Michael Foley
10 January 2022 21:23 PM
From: Michael Foley
10 January 2022 20:35 PM
From: Michael Foley
10 January 2022 16:13 PM
From: Michael Foley
10 January 2022 13:01 PM
From: Michael Foley
10 January 2022 04:08 AM
From: Michael Foley
09 January 2022 13:48 PM
From: Michael Foley
09 January 2022 13:25 PM
From: Michael Foley
09 January 2022 08:35 AM
From: Michael Foley
08 January 2022 11:47 AM
From: Michael Foley
07 January 2022 21:23 PM
From: Michael Foley
07 January 2022 20:09 PM
From: Michael Foley
07 January 2022 19:57 PM
From: Michael Foley
07 January 2022 10:11 AM
From: Michael Foley
07 January 2022 06:13 AM
From: Michael Foley
06 January 2022 13:51 PM
From: Michael Foley
06 January 2022 13:15 PM
From: Michael Foley
06 January 2022 11:47 AM
From: Michael Foley
06 January 2022 10:00 AM
From: Michael Foley
06 January 2022 07:50 AM
From: Michael Foley
06 January 2022 07:09 AM
From: Michael Foley
05 January 2022 20:21 PM
From: Michael Foley
05 January 2022 14:29 PM
From: Michael Foley
05 January 2022 12:26 PM
From: Michael Foley
05 January 2022 11:47 AM
From: Michael Foley
05 January 2022 09:15 AM
From: Michael Foley
04 January 2022 09:16 AM
From: Michael Foley
04 January 2022 08:45 AM
From: Michael Foley
04 January 2022 07:54 AM
From: Michael Foley
04 January 2022 07:16 AM
From: Michael Foley
04 January 2022 06:49 AM
From: Michael Foley
03 January 2022 21:43 PM
From: Michael Foley
01 January 2022 16:56 PM
From: Michael Foley
31 December 2021 06:57 AM
From: Michael Foley
30 December 2021 22:48 PM
From: Michael Foley
30 December 2021 21:35 PM
From: Michael Foley
30 December 2021 11:02 AM
From: Michael Foley
30 December 2021 10:44 AM
From: Michael Foley
30 December 2021 08:49 AM
From: Michael Foley
29 December 2021 16:54 PM
From: Michael Foley
29 December 2021 14:58 PM
From: Michael Foley
28 December 2021 05:57 AM
From: Michael Foley
28 December 2021 04:56 AM
From: Michael Foley
27 December 2021 22:58 PM
From: Michael Foley
24 December 2021 21:32 PM
From: Michael Foley
24 December 2021 21:13 PM
From: Michael Foley
24 December 2021 15:02 PM
From: Michael Foley
24 December 2021 14:47 PM
From: Michael Foley
24 December 2021 14:03 PM
From: Michael Foley
24 December 2021 09:55 AM
From: Michael Foley
23 December 2021 20:45 PM
From: Michael Foley
23 December 2021 19:13 PM
From: Michael Foley
23 December 2021 15:37 PM
From: Michael Foley
23 December 2021 15:29 PM
From: Michael Foley
23 December 2021 13:34 PM
From: Michael Foley
23 December 2021 09:39 AM
From: Michael Foley
22 December 2021 11:51 AM
From: Michael Foley
22 December 2021 11:05 AM
From: Michael Foley
22 December 2021 08:46 AM
From: Michael Foley
22 December 2021 07:32 AM
From: Michael Foley
21 December 2021 08:58 AM
From: Michael Foley
21 December 2021 06:39 AM
From: Michael Foley
21 December 2021 06:17 AM
From: Michael Foley
20 December 2021 16:24 PM
From: Michael Foley
20 December 2021 15:20 PM
From: Michael Foley
20 December 2021 11:51 AM
From: Michael Foley
20 December 2021 11:39 AM
From: Michael Foley
20 December 2021 10:43 AM
From: Michael Foley
20 December 2021 09:15 AM
From: Michael Foley
20 December 2021 06:49 AM
From: Michael Foley
19 December 2021 08:59 AM
From: Michael Foley
18 December 2021 14:28 PM
From: Michael Foley
18 December 2021 13:27 PM
From: Michael Foley
17 December 2021 13:40 PM
From: Michael Foley
17 December 2021 13:31 PM
From: Michael Foley
16 December 2021 22:10 PM
From: Michael Foley
16 December 2021 19:47 PM
From: Michael Foley
16 December 2021 18:51 PM
From: Michael Foley
16 December 2021 17:30 PM
From: Michael Foley
16 December 2021 05:50 AM
From: Michael Foley
15 December 2021 20:46 PM
From: Michael Foley
15 December 2021 19:02 PM
From: Michael Foley
15 December 2021 17:09 PM
From: Michael Foley
15 December 2021 16:08 PM
From: Michael Foley
15 December 2021 09:32 AM
From: Michael Foley
15 December 2021 08:49 AM
From: Michael Foley
15 December 2021 08:36 AM
From: Michael Foley
15 December 2021 05:10 AM
From: Michael Foley
15 December 2021 04:08 AM
From: Michael Foley
14 December 2021 15:33 PM
From: Michael Foley
14 December 2021 12:04 PM
From: Michael Foley
14 December 2021 11:35 AM
From: Michael Foley
13 December 2021 16:09 PM
From: Michael Foley
13 December 2021 10:48 AM
From: Michael Foley
13 December 2021 08:17 AM
From: Michael Foley
12 December 2021 22:56 PM
From: Michael Foley
12 December 2021 22:43 PM
From: Michael Foley
12 December 2021 22:17 PM
From: Michael Foley
12 December 2021 21:08 PM
From: Michael Foley
12 December 2021 20:16 PM
From: Michael Foley
11 December 2021 10:23 AM
From: Michael Foley
11 December 2021 08:45 AM
From: Michael Foley
10 December 2021 18:29 PM
From: Michael Foley
10 December 2021 18:15 PM
From: Michael Foley
10 December 2021 09:26 AM
From: Michael Foley
10 December 2021 08:20 AM
From: Michael Foley
10 December 2021 08:07 AM
From: Michael Foley
10 December 2021 06:46 AM
From: Michael Foley
09 December 2021 14:02 PM
From: Michael Foley
09 December 2021 10:10 AM
From: Michael Foley
09 December 2021 09:12 AM
From: Michael Foley
08 December 2021 10:26 AM
From: Michael Foley
08 December 2021 08:56 AM
From: Michael Foley
08 December 2021 06:50 AM
From: Michael Foley
07 December 2021 19:36 PM
From: Michael Foley
07 December 2021 18:18 PM
From: Michael Foley
07 December 2021 14:12 PM
From: Michael Foley
07 December 2021 13:27 PM
From: Michael Foley
07 December 2021 11:45 AM
From: Michael Foley
07 December 2021 10:57 AM
From: Michael Foley
06 December 2021 18:21 PM
From: Michael Foley
06 December 2021 16:56 PM
From: Michael Foley
06 December 2021 09:49 AM
From: Michael Foley
04 December 2021 15:16 PM
From: Michael Foley
04 December 2021 08:05 AM
From: Michael Foley
03 December 2021 16:28 PM
From: Michael Foley
03 December 2021 15:44 PM
From: Michael Foley
03 December 2021 14:50 PM
From: Michael Foley
03 December 2021 14:20 PM
From: Michael Foley
03 December 2021 14:14 PM
From: Michael Foley
03 December 2021 10:54 AM
From: Michael Foley
03 December 2021 08:30 AM
From: Michael Foley
02 December 2021 20:16 PM
From: Michael Foley
02 December 2021 18:41 PM
From: Michael Foley
02 December 2021 15:18 PM
From: Michael Foley
02 December 2021 12:51 PM
From: Michael Foley
02 December 2021 12:35 PM
From: Michael Foley
02 December 2021 09:36 AM
From: Michael Foley
02 December 2021 08:37 AM
From: Michael Foley
02 December 2021 07:52 AM
From: Michael Foley
02 December 2021 04:54 AM
From: Michael Foley
01 December 2021 22:32 PM
From: Michael Foley
01 December 2021 22:13 PM
From: Michael Foley
01 December 2021 20:34 PM
From: Michael Foley
01 December 2021 18:58 PM
From: Michael Foley
01 December 2021 10:00 AM
From: Michael Foley
01 December 2021 07:28 AM
From: Michael Foley
01 December 2021 07:21 AM