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Michael Foley
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Daniela, is right we have always needed to know their date of Birth, usually Passport but maybe Identity Card or Driving License, we don't need "Right to Rent" check if from UK or possible from EU unless anything changed from Brexit. We do have to give them Tenancy Agreement, "How to Rent" literature from Shelter used to be 8 pages now 16 pages changed 10 times in just 6 years each time making it worse for LL but if you don't serve LATEST ONE you can't ever use S21 its another trick, you have also to give them Gas Certificate & DEICR + EPC as a minimum also Deposit Information if you take one, unless you are a HM0 you will need more.
From:
Michael Foley
24 January 2021 21:45 PM
Well I suppose trees breathe in carbon dioxide and convert it to oxygen especially when they are leafy so it must be good for them ?.
From:
Michael Foley
23 January 2021 20:06 PM
yes Melvin,. While I have a breath left.
From:
Michael Foley
23 January 2021 17:16 PM
Yes Robert, now mine = Number 26, it didn't go very well took a dozen attempts, it wouldn't accept my email address as valid, so they are saying I don't know my email address if this is website set up don't expect many signatures. I think technology is a big problem for us or me in particular, it took over our businesses and our lives now used to destroy us. Billion's of £ paid by us to providers, trillions of hours unpaid time spent by us on computers day & night and we wouldn't have all those nonsense Regulations without Computers Council staff or Government Departments would not attempt it if pressing a few buttons didn't do it. However we were able to do everything before for 40 years. They went to University to learn Computers & how to change the format to prevent us from operating, seem a terrible waste of educations, as the next Generation will find out when we are not there and no one able to do actual work & we are not there to live off. working from home is Computers and don't cut it. Now they have another brain wave give everyone that tests positive to virus £500. to stay at home but they are already at home anyway.
From:
Michael Foley
23 January 2021 13:03 PM
Hi Ed, I find myself in the same position Rents have not increased in 8 years or less than eight years ago, (fact) so whats all this talk about Rent controls if that's not bad enough add loads of arrears to this. The Power of the people is the power of the people who live off others and do nothing, a bit like the '60's when unions got too strong and wanted everything which was great until they Bankrupted the Employer then had no job. When they talk about rent Controls does that mean it can't go any higher or lower or just higher and will it guarantee me my Rent arrears.
From:
Michael Foley
23 January 2021 10:38 AM
This is not about LL & Tenant its about Rogue Regulators trying to drive a wedge between LL & Tenant divide & conquer. I get on very well with my Tenants even though I am owed a substantial amount of rent, it not going to be paid by Benefit or U C either forget that. The point is everything the Tenant does is Lawful as you say whether they pay or not. Everything the LL does in running his business properly is Criminal is that not why they changed the Law in recent times especially for LL only from Civil Matter to Criminal Law and we all should know who was behind that. OK if Tenant don't pay Rent Robert thinks its Lawful but I pay several lots of C/tax and if not paid its unlawful and the red threatening comes straight away. We are all equal before the Law dream on ?.
From:
Michael Foley
22 January 2021 13:03 PM
I can well understand that I bought one lot a New Condensing Dryer 3 Years ago, £280. just leave it anywhere still not used, they don't was to spend on the electric. No problem they can tell Council they have mildew they'll find the LL probably £20k & £10k expenses for themselves, what happened to the scales of justice.
From:
Michael Foley
22 January 2021 11:30 AM
EPC, I haven't seen any saving yet, we have cavity wall insulation, double glazing, modern state of the art supposedly efficient condensing Boilers. However the Boilers are 3 times more expensive to purchase and install then more likely to break down. Fleets of plumbers Vans on the road every day in London trying to keep them going causing traffic & pollution themselves, never mind the call out and parts charges again & again. The old cast iron heat exchanger Boilers hardly broke down you might have to get the odd thermocouple maybe every 6/7 years and a child could put it in, now you need a specialist to take the cover off to have a look. They didn't have all those electronics to go wrong, printed circuit boards, flow switches, sensors etc, in fact I know a guy who has an old one 50 years still going, so no cost saving really a lot of break downs and time wasting. The Boiler is now a LL's nightmare, if its a fridge, freezer cooker, washing etc no problem you can usually have it delivered next day and panic over, in my case its picked up & in same day, some progress.
From:
Michael Foley
22 January 2021 09:54 AM
Terry, I didn't think much of Croydon I used to live there built 2 new Detached houses there. They filled the place with Yellow lines & otherwise unemployable traffic wardens, at that time car park one end of Town lug your shopping a long distance maybe in the pouring rain, what useless planners, a few parking tickets I was out of there.
From:
Michael Foley
21 January 2021 18:51 PM
Supposing they find anything wrong with polyurethane foam Insulation, they'll have to pull the whole place apart, its everywhere and stinks when it burns. I don't know how we managed before Central Heating & Insulation, they are now like hatching hens and I don't like to say it but it took the virus to get them to open the windows.
From:
Michael Foley
21 January 2021 14:59 PM
It is a ridiculous excuse for proper accommodation and can't defend that. However, its an adult Tenant that voluntary moved in there and not forced-in, did this person not miss the windows when viewing the property & other issues (doubt if one lone person lived there). The is a common story I will move-in then complain to Council and get Housed it still works well. It's not costing the State anything to re accommodate the person, the previous LL is paying £10k in advance, that'll do nicely.
From:
Michael Foley
21 January 2021 10:41 AM
Selective Licensing is or used to be a half less of a Fee than Mandatory License or additional license but now I see a local Authority saying they are pass-porting Selective to Mandatory, what this means your guess is as good as mine because they didn't say, but I suspect it will be Doubling of the Application Fee to same as Mandatory or Additional.
From:
Michael Foley
20 January 2021 13:53 PM
Tricia, sorry not a hope we currently can't get what we are owed and I have another £10k +Council fees and Certificates coming due this year even though they were all Licensed before, so you are very lucky if you only doing it for the first time.
From:
Michael Foley
20 January 2021 13:44 PM
Well I know my way around Auction Houses having first bought there in the Connaught rooms in Holborn in 1972, can be risky at times, unlikely to get a loan without committing another property dangerous territory in London. Have to know about property, know your market watch out for the sharks. Sometimes a cartel of Asians working to together unless you are a regular you will not know they don't bid against each other but might you up for one of their friends, and the owner can bid on his own property is allowed and often he or his friend does, you will also have the Bowler Hats from Golders Green to take into Account. Those days they didn't have to Register to Bid and sometimes there would be a runner I have seen that too, probably the owner giving someone a few quid to bid it up but if unlucky and it fell to him he would disappear in the crowd, other times the Auctioneer would be taking bids off the wall as we used to call it (pretend Bids). I have seen Portfolio Holder just buy anything when the market was rising it was no difference whether it was half derelict, that why most of them are in the Auction, to them just write the Cheque, because next year it was worth more but you can get that out of your head those days, in that situation I have walked away from Auction went into Estate Agent & bought a House on the way home that I had previously looked at and better value. I had time on my side a couple of months to Complete and Surveyor to ask questions, not panicked to 14 or 28 days to completion by the drop of the gavel.
From:
Michael Foley
19 January 2021 18:00 PM
I am not a mathematician just a LL all this stuff just blows my head. Its very simple for me just pay all, it should be the same for every one but its not, they have people jumping through hoops if you do it this way it so much or another way its different its ridiculous, so for me its straight 20% to £50k minus some maintenance & replacement costs, then Straight 40% on the rest to 150k. is that simple enough. When you go over a certain figure your personal allowance is gone so can't avail of that, When you go over £50k if you have Children , the Children Allowance is gone it doesn't matter if you paid into it for years, its reserved very often for people that never contributed, the same goes for child care / nursers fee / school costs etc, I believe they have a special Capital Gains Tax for higher tax payers for being so stupid, lower earners 10% and 18% for LL's generally 28% mostly on inflation, no indexation or taper relief, or allowance for currency devaluation but don't worry it going up in March to your tax rate 40% /45% inst that marvelous. Don't think you are finished with them yet another 40% Grave yard Tax waiting for you at the Cemetery gate that will give you a good send off, its been a waste of time you ever being here, some Legacy.
From:
Michael Foley
19 January 2021 14:35 PM
Tara, good day, as far as lenders are concerned there's is no problem for them its not allowed and backed up by Law. The day they go to Court and get guaranteed possession they won't become the LL but the new owner as they always get vacant possession.
From:
Michael Foley
19 January 2021 09:19 AM
Hi Pat , fair play to you for your hard work, just in case of any misunderstanding I never suggested it would cost £50k, that was never a cost its money from Heaven for the Council they just collect. I have been through several properties and done the necessary and know the cost too well including £1300 application fee the tip of the ice berg, but not just once on same property 2006, 2011, 2016 & now due again and that's just one, that goes for every property then there the extra kitchen sink in the same kitchen, the double Range cooker they required me to put in & replaced 3 times £1k a throw, the extractor hood alone for this is £400. the hard wired fire alarms in every room not just Halls & landings, the Emergency lighting in Halls And Landings, the electric up dating comply with EICR, Certificates for all those things again & again, remove the 90 beautiful hardwood mahogany doors I had and throw away that I had to replace and replace personally with compliant Rubbish Fire Doors and carry most up stairs, When you have swung 90 fire doors let me know how you feel and the cost, they hardly fit to hold the screws, alter the frames complete with stops, seals, door closer's, special locks with thumb screw operation from inside so no one gets locked inside, door furniture. yes they were inspected and I did the Work, paid for the work and paid the Council for the work that I did, the Council din't have anything to do. I am so sorry for ever being a LL , what for to finance the roof over other peoples heads, to subsidize their Rents by Statute , to pay tens of thousands income tax each year, to be treated as a second class citizen and my profession Criminalized.
From:
Michael Foley
18 January 2021 22:23 PM
Pat, I agree its been used as a cash cow that's definite other than that I disagree. The Local Authorities could have required the LL's to meet those requirements without licensing schemes, they had all the powers they ever needed to this as far back as 1992. The idea that he could have done this for next to nothing is a non-starter, it takes several thousands of pounds to meet the requirements if its a traditional property. have you seen how much trades men costs those days £150 /£200 per day if they will come to you at all, so how much does Spindles & hand rails cost + carpenter, I hope its a straight flight and front door complete with door furniture, new ceiling, upgrade electrics and I am not privy to the long list the Council will require and it will be plenty, like bringing your old car for MOT you might think it fine until they start going through everything. There's a big problem trying to carry out this work when Tenants are living there, when the whole place is chockablock with their belongings, not room to move not alone work and they don't want you touching their stuff, people who never done it don't understand they been to Uni' instead. I understand right well having been through it so many times, did I read there was mold and the place was filthy dirty, pity the Council didn't have free Courses to teach them how to live in a property, (I say free everything has to be free for them).
From:
Michael Foley
18 January 2021 18:47 PM
Gosh you were lucky I don't even know what a Secondary Modern Education is, maybe just as well when I see people spending an extra 10 years in further education and some call mature students, I ask you and turn out like the Members of Parliament in charge of us making a complete mess. I wonder how we survived in such a big pool without the education or the tax payer throwing tens of thousands of pounds at us for years to conditions our minds to think like them , no hope of thinking for themselves then. It really take them a long time to qualify stupid.
From:
Michael Foley
18 January 2021 17:00 PM
Robert / Andrew you must know if the Council can't get £50k off a dodgy LL, they will take it from us, that's the name of the game. Its been widely reported in the past the split the spoils between them, it can't be just when they have a vested interest. I seen fines split 50% goes to Gov' 37.5% to Council and Courts 12.5%.
From:
Michael Foley
18 January 2021 11:56 AM
I can't see how Council can fine a LL for the Mismanagement of a HM0 when they have removed his ability to do so. I don't know about this particular case but know very well about waterlogged ceilings that's likely to be the Tenants miss-use flooding the bathroom above for sure, faulty fire alarms why did the Tenant pull them out of the ceiling, can't see the LL doing this. He should have Licensed it when requested, its not clear if he carried out the improvement notice work or tried or the time scale set for this. The Tenant must have broken the hand rails surely, hard to see why the Council encourage this behavior and not fine the Tenants as well. Excuse me please can you tell me what's the difference between a Handrail & a Bannister you said they damaged both ?.
From:
Michael Foley
18 January 2021 11:47 AM
Well I said before not to worry it was going to get worse. This will just accelerate a massive economic crash if you were in the process of purchasing and see this you would pull the plug, some LL buy with the tenants in place that won't be happening either too risky. We know it will be abused like the man said one visit to the Psychiatrist and they will be rent free just like a Sick note from the Doctor we know all about that. Why are some Councils going to be allowed to do it they are not fit or proper they have proved that. Why are lenders exempt does it only matter when its their money ? we have far more input than them and taken a greater risk than them yet they are preferential creditors but Gov' gives them priority at any time including a Pandemic. The Housing market was the only Business underpinning the economy not much else happening, now doing your best to collapse that as well. Thousands of high Rise going up in London clearly not required they will not be all sold despite huge Gov' subsidies at tax payers expense, white elephants again. LL's can have their space back when they stop breathing.
From:
Michael Foley
18 January 2021 11:13 AM
Hi, James my friend we will have to agree to disagree on this. too many deliberate adverse things after happening to our determent and well documented not much point going over the same ground again & again. We must know whats in front of us the worst recession ever in our life time and I have been through 5, when and if the virus is controlled many businesses will never again open sadly, some of the ones that do will struggle, the loss of revenue from those businesses, the loss of workers income tax , the additional Welfare Bill, their ability to spend to help keep the economy going severely curtailed. Impossible to expect a rent rise in a Recession, there are too many factors to mention so much more. I will leave it be and wish you well for the future.
From:
Michael Foley
16 January 2021 21:23 PM
Andrew it used to be like that in London before Computerization, now full of Digital Academics scammers rubbing shoulders with Council nothing will affect them. Thousands of Rent 2 Rent HM0's short / Long, multi let no problem, by the room £600. / 700 pm they love it and mug LL falls for it every time and they gets more return on nothing than the LL who owns the Property, also Rent to Lease with Purchase options another good one for mugs, Uni have special Courses etc etc but I suspect you all know this if you are not in one of those bubbles, anyway if we were doing this the Media would be all over us, but guess what not a mourner, from Media /Shelter / generation Rent, Councils and a raft of others, if its anti-private LL its very popular with Media.
From:
Michael Foley
16 January 2021 13:07 PM
Robert, we have fixed short / long term leases at present with the Assured Shorthold Tenancies Agreements whether individuals or joint & several. Minimum 6 months term initially but if joint and one or more leaves on a joint tenancy those who remain are responsible for payment for the whole property. However, what usually happens if one wants to leave prematurely the tenants find a suitable replacement and take over the remaining part of the lease from the person vacating, this does not necessarily require a new Tenancy Agreement but an attachment if you like to the original Agreement agreed by the parties and Government says your permission shouldn't be unreasonably witheld. With regard to if you want a longer Tenancy the original Assured Shorthold Tenancy holds good and just rolls on to become Periodic Tenancy (2 kinds of periodic, check) with same terms and conditions as before and no action needed really but if a Deposit is involved you may need to advise them. When will it end, it will end when you or the Tenant serve the correct notice period which is ok but LL has to give more notice than the Tenant have to. Watch out when Section 21 is gone you can whistle for this and your rights.
From:
Michael Foley
16 January 2021 09:55 AM
Hi James, of course its nothing personal but I stand by what I say I was a LL well before Section 21 and know exactly what it was like back then which is why we spent years campaigning for it, if we hadn't done it you or anyone else on here would not be a LL at all, at that time if you let your property to someone they immediately became a sitting Tenant, hence there was virtually no letting and people couldn't find anywhere to live and had to change, would you buy a property for a stranger just to loose it ?. Removal is the slippery slope back there again, it doesn't matter about the vote when the economy has collapsed and Social Security Payments cut. I have been a LL since 1978 and know how it is, they can't pretend to be LL's friends at the same time push us off the edge of a Cliff.
From:
Michael Foley
15 January 2021 22:52 PM
Andrew & Robert you the right decisions to keep away from the parasites down here they think its all milk & honey in reality they haven't a clue. I should have stayed in the North West or East midlands when I was there. Were you to have stay in London looks like you would need £9m of Property portfolio to receive a rental income of £250k gross, how difficult would that be for you to achieve if not impossible. The other advantage of what you have done for you & your family might not be apparent yet but is a great benefit. Whether at the end of the day you'll have to pay to capital gains tax or Inheritance tax or both by the look of it with this Government, your tax Bill will be on the £3m say which is a fraction of the tax on £9m you would have pay in London amounting to several millions and Bankrupting your Est'. The long & the short of it all is, its only the income that matters and the'll have that, much better placed to pass it on to your family which is what its all about in my book what do we want it for, we made enough sacrifices.
From:
Michael Foley
15 January 2021 19:32 PM
Its amazing the yields you are getting which is why London is a disaster area & makes no sense at all and hammered by regulators. Andrew that's fantastic but we have compare like with like if you count the price back then we have to count the yield back then , rolling forward count the value now and the income now remembering money devaluation & inflation. Robert say you have a Flat worth £240k rental income of £18k pa. I have a good 3 bed HM0 licensed Flat in Acton, £ 500k rental income £1300pm x 12 = £15'600 pa so you are more than twice better off than me and probably don't need a license. I have a 5 bed house value £1m with HM0 license rental £2300 pm / £27'600. pa, so you see our yields are very poor you won't need a calculator to see the difference there + our horrendous C/Tax bands are so high adversely affecting the income, spare a thought.
From:
Michael Foley
15 January 2021 15:05 PM
Tricia. Correct I would say 90% of Tenancies are ended by the Tenants usually when they want to move on. The other 10% are filling up the Court backlog because of a reason, there is always a reason normally for not paying the Rent, maybe creating merry hell for you & the neighbours or overcrowding with Council + police on your back after complaints being reported.
From:
Michael Foley
15 January 2021 10:47 AM
I have some great tenants as well and I haven't evicted anyone in years and do stay as long as they like. The big problem is making it compulsory and if as of right then you are powerless if unlucky enough to getting a bad one or this ruling has the potential of creating bad Tenants, it pointless legislation if it comes. The Contract should be between the Parties or 2 parties at least, not like what they are doing now making it a one Party Contract that excludes all rights of the other Party (the Landlord) is that not plain enough. The Tenant moves out at any time they want if they want and I don't have a problem with that, why would I want to have a Tenant staying against their will , disgruntled.
From:
Michael Foley
15 January 2021 10:35 AM
Leaving property Vacant typo,
From:
Michael Foley
15 January 2021 09:30 AM
James, my friend I can't believe you have been taken-in, my goodness they do all this to us and you think its fine. Its none of their business whether we want to sell /buy /sell it should be the owners choice, we didn't need their permission to purchase the property, get any funding from them or require their advice, why now should we need their permission to sell vacant or otherwise, not their business. Is it not bad enough property prices are going to collapse, Capital Gains doubling, Section 21 removal, Section 24, Licensing, meddling with deposits, a scarcity of Tenants and some people think you will be able to get a guarantor not a hope, inevitable rent rise well not a hope can't even get what I was getting 5 years back, leaving Property a non-starter you still got to look after & maintain it even for me to visit it £27.50 Congestion & ELEZ charge, my time, + £165.00 pm Council tax on empty Property, invalidate your Insurance Policy, think on my friends time to wake up.
From:
Michael Foley
15 January 2021 09:26 AM
I suppose if you can get Insurance cover you don't need it.
From:
Michael Foley
14 January 2021 14:51 PM
Don't worry it's going to get worse. The fore-coming anti- LL's Reform Bill will make sure of that. Whats all this permanent Deposit Scheme nonsense, did Shelter not do enough damage in July 2007 with a pack of lies when the alleged LL's withheld up to 44% of Deposits, so now we have laws ? justice based on an unsound foundation like this, incidentally it was later proved to be less than 2%. Oh! I don't have any Deposits thank you Shelter, will I be Prosecuted for that ?.
From:
Michael Foley
14 January 2021 12:41 PM
NW, LL Congratulations very wise choice and be quick as well you'll need to be complete probably before March or get hit with the Capital Gains tax hike to 40/45% on the way. Currently there is a high rate especially for LL's only at 28% now going up to your highest tax rate as a penalty for being a good tax payer. I believe the hike is to lock you in to stop you leaving or on the other hand you can leave but they'll rob you on the way out either way its disastrous for LL's. I suggested to Robert some months back to sell while the going was good because we missed the boat down here, the writing is certainly on the wall.
From:
Michael Foley
14 January 2021 10:37 AM
David, I agree with you I don't believe they will compulsory purchase either that would to seen as too good for LL's, if you can replace the word purchase and replace it with confiscation then I will agree with George & Mark.
From:
Michael Foley
14 January 2021 09:58 AM
I see this is not straight forward at all. Who was on the tenancy agreement and how many, was there extra persons staying there if so were they there by his consent, did LL get extra payment for them, had he paid tax on his income, who broke the Socket outlets, I had to replace 12 last year although they were already new they rip the plug out of the wall by the lead. What was wrong with the Front Door why do you think it was insecure we were band from putting Dead Locks on them, who on earth was going to come. How many is a Council Housing Team is it 3/4/5 or 1 everyone using this terminology those day's referring to the team when sometimes it one or a recording machine. How can the Council justify such extortionate costs £4'480.00 was it 2 Sheets of A4 paper or one it cost them, or get a Rolls Royce Taxi to view the Property or to take them to Court. Did the Tenants have an anterior motive and did the call Council-in, have they since been housed by the Council simple questions. Why have we been excluded from the Property none of this happened before LL's rights were taken away. I'll leave it there.
From:
Michael Foley
13 January 2021 16:00 PM
I find myself agreeing with Mark on this one I tell it how it is. I have been saying for so long there is a glut of Rental Property especially with so many being driven out of London by Ministry & Local Authorities. Whether it be HMO Licensing that drove rents too high initially, "How to Rent" Section 21, Section 24, Congestion Charge £15.00 per day, ULEZ £12.50 per day now going to be extended to perimeter with-in North Circular Road. I am just outside but some of my properties are inside so that's £27.50 any day if I go to my Property Plus parking or Penalty. Huge parking Charges if you could find one, there is possible quite a lot only for Council stuck a sign there for fun saying no parking, Scores of big Timber Flower box (money boxes) landed in the middle of the road or at junctions with a No Entry sign on them + Camera its a new traffic creation Scheme, 20 MPH restriction all over Town snuffing the life out of business, huge C/tax, C/tax on empty Property. Building thousands of high rise flats clearly not required, thousands of Loft Conversions & extensions all for letting on the tax free scheme (£7'500 pa excuse). It not just Private LL's that being affected its every Home owner, time to wake up.
From:
Michael Foley
13 January 2021 09:56 AM
Robert, I was not saying there's anything wrong with borrowing money to buy property, that's how investment works for Business although HMRC don't consider us a Business, but at the same time the guy using his /hers money probably life savings to put a roof over someone else's head putting their savings at risk, shouldn't be put in a worse position than someone borrowing money, which many on here seem to think.
From:
Michael Foley
12 January 2021 17:22 PM
NRLA. Good on you its about time someone stood up to fight our corners, its been a one way Street far too long.
From:
Michael Foley
12 January 2021 13:37 PM
I see so many posts on here with regard to whether a Landlord has a Mortgage or not. What is the relevance of this ? if a man has worked hard say all his life and saved his money , then spend his personal savings to buy and rent a property why should he be a disadvantaged LL, as apposed to someone that never done very much or not but now using borrowed money (not his money) in order to be a LL, why should he have more rights than the landlord using his personal money.
From:
Michael Foley
12 January 2021 12:37 PM
I think Mark would Like like 100% ban on rent charges on Student accommodation when not being used. Lets have 100% freeze on all loan repayments & interest and lenders not allowed to add it on at the end either, 100% freeze on empty Property Council Tax that shouldn't exist, 100% freeze on utility Bills & standing charges, 100% freeze on Insurance Policy's, 100% freeze on HM0 rip off Licensing Schemes where its the Type of Person you Rent to that require you to have a License or not, not the Property. I reared my family didn't expect or get any funds from mark or anyone else. Rear your own kids educate them or not it is your choice, you must be quiet well off anyway in Business with all those letters after your name ,spend some of it.
From:
Michael Foley
12 January 2021 11:58 AM
Rishi, Robert, Sadiq, was there a film of 3 blind mice.
From:
Michael Foley
11 January 2021 21:09 PM
Its all designed to bankrupt us for sure, the big boys are ready and waiting to take over renting with Gov' help all muscling-in, whether taking over portfolios or building thousands of flats to rent, they want us gone, its not sustainable, 6 months or 12 months if rent is not paid & no action possible. Perhaps the Housing Secretary Mr Robert Jenrick should now suspend HM0 Licensing Schemes that are an extra huge burden on the Private Rented Sector, according to the rules of the schemes for a successful HM0 application the LL must have adequate financial arrangements to allow for repairs & up keep of the Property. How does he square this with a bar on income recovery, scrap the HMO Schemes now that only ever applied to one half of Rental Housing.
From:
Michael Foley
11 January 2021 10:39 AM
That's fine they love taxing us on inflation, more coming in March, it should be called Inflation tax.
From:
Michael Foley
10 January 2021 14:34 PM
Hi George while I support your views on the plight of Private LL's being so unfairly treated that goes without saying and everyone knows its true. However I cannot agree with your view on the virus pandemic because people are dying & I can't condone that, Cheers
From:
Michael Foley
10 January 2021 11:59 AM
Have I done my money ?.
From:
Michael Foley
09 January 2021 17:58 PM
Wonderful, I had a lease something like John's 68 year remaining on the Lease and have already extended it took a very long time and cost similar to extend, but there are other hidden charges & legals as well.
From:
Michael Foley
09 January 2021 17:56 PM
Unfortunately I am not in that privileged position as my rents haven't gone up in years and they can't pay what they can't afford. Regarding licensing LL's who never had them will not know how onerous it is, the Application form used to be 16 pages to complete originally but now all Digital and more time consuming and designed to deceive you and keeps disappearing off the screen so you don't know what you said prior and have to keep saving bits all the way along. They require so much information that's nothing to do with them as you will find out when you apply. They create bureaucracy for the sake of justifying the huge Fee as I found out for myself, when the Freeholder writes to you if its on a lease, The Mortgage Works wrote to me, My Solicitor wrote to me and forwarded the HM0 application documents to me nothing to do with them obviously & I hadn't told my Solicitors about it. The Council notified them and the Mortgage Works a bundle to each + Freeholder + a bundle to my wife at same address as me but not anything to do with the property as I was sole Registered owner. Then you will need a load of Certificates, proof of ownership, a Sketch drawing of the property and every room size (min room size 6.6m2) The name of every renting occupant and which room they occupy all numbered up, the position of Alarms, emergency lighting, a notice Board Displaying your details, Certificates, License etc etc.... Do you still think they don't want us out ?
From:
Michael Foley
09 January 2021 12:57 PM
I have read on here a Councillor who is intending to bring in a licensing Scheme says it self financing which couldn't be further from the truth. The Schemes is wholly funded by the LL's no question about that, do you think the Tenant can pay extra when they can't pay the rent, It doesn't cost the Council a brass fathering which is why they all want it plain & simple. They have already had all the powers ever needed to deal with any issue regarding the Private rented sector as far back as 1992 I have that in writing. There is no need for Licensing all they needed to do is require us to do the extra safety measures they wanted, like fire Doors, Hardwired Interlinked Fire Alarms, Emergency lighting etc, no need for extortion racket costing LL's Millions per Borough unnecessarily.
From:
Michael Foley
09 January 2021 11:57 AM
Robert, as we are being driven out we are being replaced by Big Institutions muscling-in, which is exactly whats behind all this, just getting us out of the way, make no mistake about that. Suddenly the big boys are saying Renting in the way forward and the future of Housing. they have spent years blaming us putting up House prices on first time buyers because of Rental Market, now its the best thing ever when they are doing it. Thousands of Rental Flats being Built all over the place helped with tax payers money, (7'600 rental units in Wembley Park, alone).
From:
Michael Foley
09 January 2021 11:33 AM
Good night all, God Bless
From:
Michael Foley
08 January 2021 21:33 PM
Leics , just stop it you know nothing like that was meant, no I will not be surprised if people are prosecuted for less and we are all the time persecuted on a daily basis , what difference if we are prosecuted or even strung up at this juncture when we are not allowed to operate or live.
From:
Michael Foley
08 January 2021 21:20 PM
John & Leics' come on now you know perfectly well its only a figure of every day speech and nothing like that ever intended, its been completely taken out of context.
From:
Michael Foley
08 January 2021 21:01 PM
John Smith, what exactly is your point, is he not allowed to express his views especially when he has been so heavily impacted on. Why would you need to forward his comments to anyone I am sure the Police & Council monitors this site already. Where the Landlord lives is irrelevant and if he lives in Harrow we might be a bit envious of him and if he has got a HM0' license he is already a victim, (a shame I used to like a pint of John smith's). Sorry the comments upset you but when we are being victimized unfortunately we feel the need sometimes to speak up.
From:
Michael Foley
08 January 2021 19:07 PM
Mr Khan, the anti-private LL Mayor of London. Thousands of LL's paying Millions of £'s in Council Tax and required to do so in virtually all HM0's, a huge proportion of this tax goes to the Mayors Office, why are we required to pay for him, he doesn't do anything for us but poking his nose in damaging our business, we shouldn't have to pay him anything we have no say so no pay. We had a huge increase in C/tax this years, at a time of serious arrears with no powers to recover it or allowed to recover the Property that we have bought & paid for. He uses our money to invent a so called Rogue LL Data Base when we are not Rogues what a shameful waste of Council Tax payers money. He wants a 2 year Eviction Ban and a 2 year Rent Freeze to Bankrupt us, why wasn't the C/tax frozen but instead a big increase and he benefits from that with no input. I had to pay full C/tax on empty Property this year one was over 3 months vacant because I couldn't find Tenants £630, on this one alone Mr Khan will have had some of this. I thing the Mayors Office should have a 2 years spending freeze.
From:
Michael Foley
08 January 2021 07:44 AM
Hi John, sorry to hear that it really too much to stomach, far too high for anyone in Business to absorb especially on one Property, no one has a bottomless purse & we all have to count. Sorry once again and good luck in the future.
From:
Michael Foley
07 January 2021 16:01 PM
I am owed at least £5k + on 3 different properties plus various amounts on others, still I haven't made any application for eviction yet. I try to work with the Tenants and their situation but its not helped by all those sitting on the fence with no input, yet see fit to call all the shots. For years now we have been taken the brunt of adverse publicity, regulations & lies saying how bad we are and the cause of young people not getting the property ladder. There are now several big Companies taking over whole portfolios to rent or building thousands of flats to Rent as you will have seen on yesterdays blog on here. I read it with disbelief you will all have read it too probably, it said Renting is the best way forward for the future imagine that, they have spent years knocking us back, now when its them, its fine don't worry about first time buyers, what kind of clowns do they take us for, if Renters are renting their tens of thousands of Flats & 7'600 Rent units coming in Wembley Park alone, they will not be buying will they ? so its OK when they are doing the letting that's fine. I suppose their friends in Government will introduce a help to rent Scheme.
From:
Michael Foley
07 January 2021 13:30 PM
The money saving expert 'Martin' this must be his best money saving idea of all, this one tops the lot, when I are owed many thousands of £'s on some properties, it don't matter about any of that just stay there , live for free, immune from eviction, nothing can happen to you, no bigger money saving idea, his other Blogs pail into insignificant's scratching around to save a few pounds.
From:
Michael Foley
07 January 2021 11:38 AM
Would that be your wisdom Mark, god help the Country if he is reliant on that, when are all those quangos going to realize its not their Property, not their Property not their Business no input keep your comments get a life suck someone else's blood..
From:
Michael Foley
07 January 2021 09:03 AM
What chance have we got if Mr Paul Shamplina can't make any progress, a man with vast experience of the Law, Re-Possessions, Court Cases & a former Bailiff as I understand it, how onerous is it for us we haven't a prayer.
From:
Michael Foley
06 January 2021 17:20 PM
They will be able to afford Terry, they will put Benefit Tenants in & Gov' will pay them directly they are all mates.
From:
Michael Foley
06 January 2021 15:52 PM
The Housing is not broken but what they mean is they are determinant to break it by every means possible. There is no shortage of Housing yet they keep Building thousands of high rise unsuitable unwanted Flats. They want us out so badly they introduce S24, and dozens of unfair Laws one sided Laws, rules ,penalties etc to destroy us that don't apply to others, that plain enough can we not take a hint. The cronies from Eton, Harrow, Oxford & Cambridge now in power carving up the Housing sector for themselves its obvious to anyone. They are now Building to Rent big time, Developers & Government holding hands. The Article above / Wembley Park, Quintain to build 7600 units to Rent with Government making £65m funds available to help them, where is our help only doing everything possible to obstruct us, nothing to do with shortage they want us out of the way plain & simple, it makes no difference what we comply with at huge cost, we might be short a few Kennels alright, they want us out, out ,out. London is the blue print for other City's, they will not be bothered about rural areas.
From:
Michael Foley
06 January 2021 09:46 AM
Wonderful they pay no tax, but give them the taxes we pay instead, then they complain about the housing they don't supply.
From:
Michael Foley
05 January 2021 16:36 PM
OK Mr Williamson you think we should have all those Schemes Let the Council pay for the administration / Licensing and ultimately you the tax payer of which I hope you are one and don't mind paying a bit extra seen as you don't consider £550..00 very much or come to L'don its £1300.00 + any second visit by Council is £85 per hour, so if you want yearly visits your suggested £120.00 pa will not go very far but that's ok you will be happy to pay not ?. Anyone who thinks it only a matter of paying a license fee is in cloud cuckoo land, there is attached many thousands of £'s material costs & physical work in compliance shouldered by the LL, that said it only applies to half the Community if by any chance they are related in anyway no matter how vague it doesn't apply to them. This is another one just like Section 24 only applies to half of the LL's who own the property in their own names, similar property held in Ltd Company it could be his brother similar Tenants & Rent it doesn't apply at all, discrimination by Law.
From:
Michael Foley
05 January 2021 15:27 PM
We were in disaster area already without Corona due to unfair / unjust Laws & Regulations, licensing, s24 & C/gains tax, plus stupid Brexit where is all this extra money we were going to have just by leaving, four & half years wasted talking then run out of time and had to agree to something, gun boats are not much use if you have 3'800 Container Lorries stacked up at Dover, now Mr Michael Heseltine wants us back in. I don't know that any of my Tenants are Campaigning for anything all quite happy & satisfied, the know Corona is not our fault, it all outsiders too much time on their hands trying to create another business for themselves out of LL's Business. just how many have sprung up already at our cost. They are all very hi-teck with their Computers why not get a job.
From:
Michael Foley
05 January 2021 13:30 PM
Mark, dearest obviously you are referring to Section 24 the removal of Mortgage tax relief for private LL's only who hold the Property in their own name, so how could this possibly be the start of re-balancing the market when its plain for anyone to see it the un-balancing the market given that it don't apply to LL's who hold the Property in a Ltd Company, many switched to take advantage of this unbalancing system who can still claim all the interest Tax Relief on the Mortgage. I like your idea if re-balancing of the Market its a total distortion, unjust & Discrimination. New Property is more expensive because of help to buy / help to get into trouble Schemes, as Government attempts to help the young own a property with financial support the Developer ups the Price to take the extra they can now afford off them, just like it used to be with the Enterprise Zones, pull the other one its got bells on.
From:
Michael Foley
04 January 2021 16:05 PM
I know Andrew it was more like £40 pw but I gave the high figure to stop people coming at me saying we were better off when we were't thank you for that. The argument is far from over homes are still affordable if they keep away from Developers with their stupid high rise over priced Flats. I say in most cases one bed Flats are £50k over priced & 2 Bed are £100k over priced and they rope in young people with schemes initially that they will struggle with for ever in unsuitable accommodation, keep away from the Sharks they'll will be ok. I had some good Tenants that always paid & I didn't rob them either now they have bought their own 3 bed house Semi' Freehold no Service Charge a couple of miles from where they were, front & back Garden + side passage for £445k in Greenford so it is possible to rent / save and buy your own Home unless you want everything handed to you. With-in the Area there is plenty New Development Leasehold 2 bed Flats costing substantially more than they paid for the House, its madness and with the House they have the option of taking in a lodger if they need some extra funds.
From:
Michael Foley
04 January 2021 12:35 PM
James what a twisted article, it no use telling me rubbish about how it was in the 1970's I lived it, so many things left out or untrue. We had no help to buy, Free Stamp Duty, half the money interest free loan for 5 years, no Mom & Dad piggy Bank, no sky high wages, no Benefit System that required a woman to be a single Parent to have a big advantage over working Parents, of course we didn't have internet costing £25 pm, sky tv £60 pm, iPhones god knows how much a month lots more.. We didn't have coffee Shops £3 a cup but at least we had Public Toilets that are now virtually closed its disgraceful, people back then knew what sex they were, but we did save in very difficult times £60.00 pw wages (3k pa) top whack, not £60k pa like many are getting now for not working only playing with Computers they think it work, did you mention inflation No, did you mention Interest rates back then 4 to 5 times higher NO, did you mention there were no licensing Schemes back then now driving rents through the Roof No... what a load of crap.
From:
Michael Foley
04 January 2021 11:10 AM
The Gov' is manipulating the property market, currently a mini boom a big rush to get out before Stamp Duty comes back on property up to £500k or increased, and the c/gains increasing from 10/18/28% to 40/45%. sales are flying at the moment with private property owners trying to get out in time, being bought up by portfolio Ltd Companies LL's, unaffected for the most part with no S24 for them and pay less than half our tax, they are laughing all the way to the Bank at our expense. I like the Farmers economics as well count the sale price as profit forget about costs. Say you bought the House for £100k years ago now valued at £300k so you'll probably get tax 40% on £200k they forget about inflation, forget you didn't actually buy it for £100k because you broke your gut working to pay more than double over 20/25 years on the Mortgage. Its called the simplification of the tax system they want to tell us morons, its very simple they take all. We might as well have John McDonnell's labour at least he told us he would take the property off us.
From:
Michael Foley
01 January 2021 11:17 AM
We might be glad that 2020 is over but we will far more sad when 2021 is over. What Rishi Sunaki has in store for us more of the same only worse for Private home owners & LL's being driven out by unfair and unjust Rogue Regulations, that only applies to Private Property owners and not people who hold the property in a Company. 2021 is going to be a total Disaster c/gains tax increased to our tax rate in March 40/45% for many or more Private LL's with the Section 24 pushing them into higher tax bracket. Then going to tax us twice plus death Duty another 40% on top previously you paid C/gains or IHT now going to be both. Companies will only pay Corporation tax at 19% and not affected by Section 24 its ridiculous.
From:
Michael Foley
01 January 2021 10:49 AM
Nothing new about this its being going on for years, often at Auctions swapping portfolios around to suit their circumstances but one important detail omitted or left out here. Nearly all are Benefit LL's and Benefit Tenants it doesn't matter to them, not much point in getting rid of one lot of benefit Tenant to replace them with another and the whole thing is paid for by Government with very little restrictions, seldom or ever in the past at least were licensing required and often maintenance + grants / incentives thrown-in. All paid for by the working tax payer who can't afford much for himself and very unlikely to get any of their perks, like Children allowance if as couple earn over £50k pa, school meals, free uniforms, free or subsidized housing, a big cut in Council Tax, Nursery fees paid for, it a reward for not contributing or having to paying any tax. The Benefit LL & Tenant totally State funded and recession / lock down proofed.
From:
Michael Foley
31 December 2020 11:57 AM
I had a single guy like this, on the benefit, doing drugs, watch blue films until 4.00 am as informed by other tenants, get up at 1.00 pm, told me he couldn't pay for Dec' or Jan' because he had to get presents for his family.
From:
Michael Foley
30 December 2020 17:14 PM
Adam Tinson Think Tank, did you not know this before, seen as it was caused by your think tanks and the Regulations like HM0's, no over crowding before when LL wasn't was in control and not excluded from the property, the the Tenants bring in extras ' sub-letting but you make sure LL cannot do anything. The other lot probably ethnic majority no license required, mama, dada, grand pa, cousins uncle, steps, etc that's fine. mostly on the system, so now you tell me that they are more risk than my tenants, you already made laws saying it other way around. I am sure they are more at risk as well as I have 5 to one house in some cases, similar houses with so called family houses might be ethnic possibly have 6 /8 or 10 packed-in, no licensing or restriction required, all windows locked up tight and still only one C/tax to pay the same as my wife & me for 2. I don't know why you mention no outside space given you are currently building thousands high of Flats with no outside space.
From:
Michael Foley
30 December 2020 10:56 AM
Yes David, I don't obviously live there but have to go there as hands on LL every time one of them rings with a problem whether big or small putting me at risk. David you are correct but mine are self isolating and one a Doctor sharing Tenant has got it and now moving on leaving me with the problems, while other now test positive. I can't go into every detail and give my stories in a small un-paid for blog, I have work to do., ever wondered where all those who got it lives. P.S. I hope you do not find yourself in the same situation, Kind Regards.
From:
Michael Foley
29 December 2020 10:53 AM
So many more rules putting ever more stress on LL's and every kind of guidance about Tenant Safety but never any mention of LL's health & safety we are expendable. Regarding the Gas & Electric checks to be done at vacant times between Tenancies how does this occur having put laws in place to prevent vacation especially by LL, only Tenant can vacate or if the non-operational County Courts say so. Shared properties on one Tenancy and one or more decides to leave, in the past a replacement could possibly be found but now viewings are suspended and can't be done, anyone thinking their Flat mates are going to pay for vacant rooms in the property at a time when they are in serious arrears themselves is dreaming.
From:
Michael Foley
29 December 2020 10:03 AM
Its all very well for the People with no input, standing on the side lines shouting the odds about how everything should be, its the easiest thing in the world to be a critic and make derogatory remarks about LL's who are doing their best to provide private accommodation that they self-finance to house millions of Tenants while being abused and derided. We can't disappear off for 2 months in the middle of Winter but have to be on hand 7 days a week 24/7 to ensure the Tenants are looked after and any issues that crops up with the property or services are dealt with promptly.
From:
Michael Foley
28 December 2020 21:51 PM
I never thought this 14 day powers to eviction had any prospect of success which is why I didn't bother to vote, it was too severe. I appreciate it was well intentioned & have so far got 12500 signatures and are trying to do something to address the unfairness to LL's. However, I believe if they had said one month minimum to six weeks arrears, it would have had a much better chance of getting the 100'000 signatures for Government to do something.
From:
Michael Foley
26 December 2020 09:39 AM
The most worrying part is the Licensing Schemes loading ever more responsibilities on the LL's while making sure he is powerless to do anything. The LL hasn't been given any instrument to address any of the problems bestowed on him, whether overcrowding wrecking the property or anything else, also he is effectively banned from the property by taking away right to access from him, which used not be the case when we could visit in reasonable day light hours which we seldom did but the Tenant knew it was a possibility and that was enough to stop them overcrowding at least, forget about 24 / 48 hrs rubbish the Tenants are in Control but its the LL is responsible square that circle if you can. There is no such thing as Responsibility in any other Business on Earth without Authority it doesn't work.
From:
Michael Foley
25 December 2020 11:48 AM
Mr Hughes, I agree this is the reality of the business especially in L'don, buy to let is not viable as a stand alone business. Buy 2 Let cannot work in the capital without the LL having other business or income from alternative source to subsidize the purchase, the figures don't stack up try it and see. The Authorities seem to think if the property is expensive then the sky is the limit to what they can load on regardless. As John says how can you charge more rent to people who can't afford, some rents are very high but those appear to be paid by digital Academics on high salaries £60 / £70k pa and cherry picked by the New Big Institutional LL's muscling-in and favored by Government to take over. LL's in other towns are much better off compared to L'don. They can buy at least 3 properties for the price of one in the Capital and their letting income is £ for £ is 100% better and not hounded nearly as much by Authorities as us. Please do the figures & prove me wrong, but traditionally what happens in London spreads to rest of Country like a virus.
From:
Michael Foley
25 December 2020 09:27 AM
Hi Andrew, it looks as if he went missing from this site after a comment where a word or part of a word might have been construed to eluded to a particular type of person or persons, perhaps I shouldn't make such assumptions and apologize in advance. I know shortly after the blogs stopped he was on a break in Egypt where I seen a blog on an other platform, maybe the pharos got him. I have to be careful or I might get Blacked. Happy Christmas to Paul, all Tenants & Landlords every where.
From:
Michael Foley
24 December 2020 15:10 PM
Council don't loose anything its the tax payer, it should come from that Council members money including costs & victim support that's responsible for the problem, like LL's have to pay, the tax payer don't cover our fines & costs, (no wonder they are all acting the jack no come back on them).
From:
Michael Foley
24 December 2020 13:37 PM
In London the EPC money or anything else can't come from the Tenants as the are not able to pay their rent at present. Thousands have left London because of high costs and ridiculous rules whether it be Congestion daily charge, ULEZ, parking charges, Flower Boxes (money boxes) in middle of road traffic creation Schemes, high rent, high C/tax, property too expensive by comparison to other parts of UK. Say you could buy a one bed Flat in Bradford for £70k & rent it for £450. pm, in Harrow west London one bed Flat £270k. rent it for £900. pm, need I say more but you probably know all this unless you are in one of those bubbles. Then hammered by the Authorities in L'don for extra taxes, Licensing, endless hidden charges.
From:
Michael Foley
24 December 2020 10:10 AM
Hi Laura B. I respect your views and have written to my MP. many times just counted over 30 magnolia envelopes from House of Commons not that anything changes so just to say that platform has been well tried and tested. Unfortunately my MP, represents a Benefit Claimant Strong hold probably more Claimants than tax payers hence he has been re-elected 6 times I believe each time with a bigger majority. He is a very nice guy educated in Havard and always seems sympathetic but as a LL don't expect any meaningful help down that avenue. Please do try your MP you might have better luck and I appreciate your intelligent suggestion.
From:
Michael Foley
23 December 2020 19:09 PM
The MHCLG, so it knows its not a fair system for LL's (can't be the Tenant as every recent piece of legislation has been to favor the Tenant) but they are ploughing ahead scrapping / removing Section 21 making it more unfairer for LL's. I have been to the meetings heard all the discussions from all the weedy non property speakers and its clear its their ideas that's being implemented, telling us in what circumstances we as owners can get our property back, marvelous isn't it. One scenario was if we need it for a Family member, another was if wanted to sell the property and then must sell. I say none of their Business I didn't need their advice when I bought the Property or get any financial support they are just leaches, this is tantamount to confiscating part of your acids. its not reds under the beds anymore, they are in Government departments & Civic centers.
From:
Michael Foley
23 December 2020 18:04 PM
Mr Marshall my friend the current situation is already the norm, they are not giving us something its something they are taken away. I don't worry about Lenders too busy trying to hang onto what I have got. The Lenders are not affected by Section 21 they can get vacant possession at anytime they want and only takes a couple of months, no need for them to supply Gas Certificates, Energy Performance Certificates, electric Certs or 'How to Rent' rubbish, in order to go to Court. The fact is it only matter when its Lenders money, when its LL's money no protection free for all, why can't we have the same rights as them, when it our money at stake ? then no need for s21. Regarding if Lenders will not Lend that's fine the can go out of Business but they won't.
From:
Michael Foley
23 December 2020 13:37 PM
No Andrew I don't accept it. I am not getting used to it I Campaigned too hard and long to have it introduced in the first place and only for Sir George Young becoming Housing Minister it might not have happened. At that time it was impossible to find somewhere to rent because if you allowed in a Tenant he immediately became a Sitting Tenant and your Property became worthless over night, do you want this situation again ?. I remember only too well only a handful of letting agents in London over all, not a dozen or more in every Borough like now. Any of this would not have happened without Section 21 and all you LL's out there would not be LL's or own Property think on, no no no. This last 10 years has been diabolical with unfair regulations imposing huge costs & work load on LL's all not unpaid for by anyone except the LL, don't try to tell me Rent pays for everything by Magic, now then anything replacing S21 is a non-starter more red tape & bull sugar tying us to the desk wasting our time instead of letting us run our Business.
From:
Michael Foley
23 December 2020 11:04 AM
Surely you must mean no excuse for Scrapping Section 21, (must be a typo).
From:
Michael Foley
23 December 2020 09:43 AM
How many more things can they dream up, using the Tenants name as an excuse. The Tenants must be sick of it, those groups for ever forcing up LL's costs and Tenants Rents.
From:
Michael Foley
22 December 2020 20:05 PM
Pro-Tenant Activist (so called) Campaign recruit staff for Battle 2021. Renters Reform Coalition new group ? Brand New Group where have you been anymore for the Band wagon. Anyone reading on here must know very few want to Evict Tenants. I see Robert only evicted one out of 300 (1:300 ratio)over 30 years, in my own case only 3 made it to County Court in 43 years out of 2000, so where is the issue only used as a last resort, and tolerate a great deal if rent is been paid, one of mine owed over a years Rent and had to be brought to a conclusion. The real reason as I have said before is the Council wants rid of Section 21 not the Tenant (its been an acid to Tenants)to avoid the necessity of having to house them when they arrive with a Court Order, so all those Groups parading as Tenants Friends are Rogues and frauds, it about time Tenants and LL's joined forces to oppose those Groups trying to drive a wedge between LL & Tenant spreading poison and damaging the Economy, there is enough of damage been done already with Brexit, Furlough disaster & the viruses without those wreckers. The Government should close down those Treasonable Groups, Private Members Bill Please, tell them to go and earn a living and stop sponging off LL's & Tenants.
From:
Michael Foley
22 December 2020 18:35 PM
Shared ownership a complete disaster I know people that had those in various percentages and regretted it big time, then very difficult to re-sell and enough clauses to choke a donkey. 'Help to Buy' is help to get into trouble, to buy over priced otherwise unsaleable Flats, high rise, unsuitable Flats probably no private outside space, its to make profit for the big Developers thanks to their University friends in Government. I still contend those Flats are not required and there is no shortage its madness ? where are the people, where are they living now. I have spare capacity.
From:
Michael Foley
21 December 2020 22:24 PM
Nothing new about this Rent to Buy, sub-let renters have been doing this for years making fortunes (maybe £1k pm per property) at LL's expense, while LL's are held to ransom, prosecuted and fined for the extra persons the Tenants has but dare not ask any questions or he don't get any rent, obviously he is powerless and effectively banned from the property . We are told to do inspections every 2 / 3 months not many LL's do this, it doesn't happen, too scared of upsetting the tenant and might stop paying the rent and now with Government backing, something needs to change fast.
From:
Michael Foley
21 December 2020 18:27 PM
I don't know why Shelter and other Groups are making this such a hot potato issues obviously they can if they want with dozens of in House lawyers, we have no one. I remember a time when some LL's were looking for DSS only before the clamp down because it was abused just like everything that's public funded is abused. I remember the Iranian Family of 7 in Acton (father not present living else where) getting housed by a Benefit LL at a cost of £12'000.00 pm for the house guaranteed money, at that time in this Borough of Ealing the most expensive rental Houses was at a maximum of £3k pm and very rare. When LL's were looking for DSS only no protest, no word from Shelter that I am aware of, no hot potato, so its only Discrimination when it suits.
From:
Michael Foley
21 December 2020 10:28 AM
Well it seems all Charity's are getting hand outs, much of which goes on administration. LL's don't get any of this only abuse, we don't want people to be homeless but I don't include the ones classed as homeless who are actually living in Hotels / B& B. The one's that concern me are the ones on the Street at any time of the year, made far more difficult to house by regulations, on the one hand they want LL's to house them, then they make a whole raft of rules to comply with before taking them as if they could pass any in their situation. The same organisations doing their best to destroy LL's while asking for their help they should make their minds up. Then on the same platform LL's are threatened with 5 figure fines with Licensing Schemes. I thing the guy on the Street is not concerned about Licenses if he could get cover for the night and is anyone likely to help while the Council & Magistrate lie-in wait for the special pay day.
From:
Michael Foley
20 December 2020 11:42 AM
OK David, granted but I take issue with the bit about, Rogue Tenants, bad Tenants, defaulting Tenants & untrustworthy Tenants as an exaggeration. I actually like my Tenants, can I substitute and replace the word Tenants in this instance to Rogue Regulators instead.
From:
Michael Foley
18 December 2020 18:34 PM
Sorry j, of Course they will pay up if you are fined its not optional.
From:
Michael Foley
18 December 2020 18:22 PM
Hi David, that's very presumptuous of you and the Accountancy Firm making this allegation, my Tax Returns are always done, tax paid and didn't hold on to the money for the 6 months that Revenue offered to all tax payers this time either, I could have put it in the Premium Bonds for 6 months like some may have done. This accountancy if they know all this they must know who the people are ?, although HMRC suggests there are 1.6m LL's with only 500t making a tax return so I'll take that as read don't know any different but wouldn't mind all tax payments to be public knowledge and also all Benefit Claimants payments to be public knowledge especially as its tax payers money. I suppose the ghost LL's on not going to appear in this platform.
From:
Michael Foley
18 December 2020 17:55 PM
Mr Crisp exactly right Government can't pay everyone's debt's they are handing out too much already, we pay huge taxes and the more we pay the more we are penalized, the less people pay the more they are rewarded or if contribute nothing better still you get everything, hence single parent family's replaced the traditional family unit. I see one guy who has 7 children by 4 different women never reared any of them, the State did and supplied them all with good housing as well, and he is quiet wealthy sure we could all be when someone else pick up the tab. As a famous President one said ask not what the Government can do for you but what you can do for your Country.
From:
Michael Foley
18 December 2020 12:45 PM
All this EPC stuff is making us all soft, double glazing, triple glazing, insulated walls, under floors , between floors, roof space, everything sealed up tight a perfect breeding ground for the viruses, at least now they are saying to open the windows, we need air /oxygen to live and can't keep repeatedly recycling the same polluted air in our lungs. We could help the environment by turning down the heat, the 20m people over weight could eat two thirds less, reducing the need for so much live stock, the Department of transport could remove the traffic creating schemes they imposed, freeing up traffic instead of queuing endlessly polluting when they could be already at home with their family's.
From:
Michael Foley
17 December 2020 19:21 PM
While you are all on here don't worry about the LL's mental heath.
From:
Michael Foley
17 December 2020 12:51 PM
Mr Wirth, I would not use Guide Dogs as an excuse, obviously those persons need the guide dog and the property would need to be suitable accommodation for this in the first place. While so many are shouting from the roof tops to force LL's to have pets we should have a definition of pets as well. I have had them all, birds, cats, dogs, guinea pigs, fish, reptiles, snakes fed with live rats, really the people on the Band Wagon are a kin to Rogue regulators who haven't got a clue what they are doing because its not their problem & don't affect them no matter how much damage they cause, not responsible for anything just like green horn Chancellor wasting billions and not accountable.
From:
Michael Foley
17 December 2020 11:15 AM
The Renters Reform Bill and the Pandemic and the likely hood of a shortage of toilet paper a far better use could be made of paper. To be fair to LL & Tenant but forget one party owns the Property, the idea of everlasting Deposit going from one LL to another is crazy was it not enough that Shelter undermined it in 2007 based on a pack of untruths then add 2015 De'Regulation Bill, where do those people get off. This is the reason I gave up taking Deposits amounting to over £20k that I handed back that't how much I hate the interference I'd rather to loose the money than comply, only one more step left let some else house them.
From:
Michael Foley
16 December 2020 09:24 AM
So GLA, Nationwide Foundation and 18 other groups band together in collusion to destroy Private LL's, none of them provide any housing that I know of so far but doing everything possible to drive out Private LL's that actually house millions. That's 20 groups or organisations but you forgot to add NRLA (21) now that Mr Ben Beadle is in charge, it was a sad day NLA rolled over to RLA loosing all power to some one born with a silver spoon in the mouth, a JP indeed god help the justice system, another like our Chancellor who wasted Billions all children in my book and should grow up.
From:
Michael Foley
16 December 2020 09:05 AM
I was registered when I had a Company what a mugs game, you pay your own tax then the Companies and that time 52% now think its 19% for small Companies, I had to Quote & beat everyone to get the work then kill myself to try & make it pay, then of Course I had the Cash Book, The Bank Book and the VAT Book to maintain & do. Work half the night to work out the Quotes, Periodic Valuations, Invoices /Statements then wait several weeks for the payment, oh I nearly forgot I have Actually got to do the Work. When I was pulled with the Van for being over weight which I wasn't really it was more about Load distribution after I was escorted to Weigh Bridge and the weighed the Axles separately. Of Course I got fined but the Company got fined as well which was myself so I had to pay double. Being a LL's looks to be is turning out the same. Benefit Claimants wins hands down, roof over head money coming , heating , hot water, Children allowance plus several other Benefits. Rishi should not be in a job giving hundreds of millions away needlessly, big Companies so embarrassed giving hundreds of millions back never needed.
From:
Michael Foley
11 December 2020 16:11 PM
Bill, Totally disagree its all rubbish in the highest degree adding more costs and brought in by Shelter to under mine S21 as you all know by now & stop LL's from taking Court Action., "How to Rent" do people think Tenants are so stupid they don't know How to Rent what have we been doing for over 40 years, now we have Tenants far more educated than LL's in the main, many with iPhones /Lap tops and probably secondary if not University Degrees. Anything they want to know all they do is look at internet. It used to be 8 pages How to rent guide & it been out 6 years but now 18 pages and changed about 9 times its disgraceful interference and not their property, we now have to incorporate it into our Tenancy Agreement or it prevents you using S21. Yours furious
From:
Michael Foley
11 December 2020 12:40 PM
Jim, a real HMO specialist of many years that knows and tells how it is.
From:
Michael Foley
10 December 2020 22:37 PM
Franklin I, Rules for Landlords is a disease and is Highly Contagious even more so than Corona. Ignorance is bliss.
From:
Michael Foley
10 December 2020 19:23 PM
I know we'll have to improve the EPC's although some of mine are "C" already but I'll have to deal with the others. However, the main issue I see is the Electric supply to most Houses is single Phase / 60 AMP I think, so to run an Electric Boiler as replacement is difficult if not impossible without expensive Main Cable Laying but I am sure someone will correct me hopefully. It seems to me existing supply is only sufficient for a Flat which Boiler uses about 14kw, (220v x 60amp = 13.2KW) so that's not going to heat your normal house is it ? + you'll need showers etc, requiring the necessity of hot water storage tanks again. As I understand it 3 / 4 bed Houses need 24kw / 28kw Boilers at present minimum. I suspect this is how we measure heat those days as we don't talk about BTU anymore. Right so we are going to need 3 phase electric, 3 No. 6mm cables / wires that we haven't got. I have seen the Heat Air pumps expensive for heating swimming pools not muck cop & not impressed Ground Heat Source probably ok but not sure needing deep hole drilling. Additionally we can have roof panels but don't want over complicate the running of the house.
From:
Michael Foley
10 December 2020 15:56 PM
Its a Fraud on Private Landlords.
From:
Michael Foley
10 December 2020 13:03 PM
"How to Rent Guide" but I know one of them at least wasn't called not called a Guide at all. Surely not another NEW ONE I think it has changed 9 times in just 6 years from memory since introduction, is Shelter so incompetent when they brought it in, they couldn't get it right first time and none of their Business anyway. What ? 9 or 10 goes at it maybe they should be on the Brexit Team, can anyone tell me where I can get a good Race Horse it has to be good to keep up with this.
From:
Michael Foley
10 December 2020 12:45 PM
When a LL has been convicted and paid the penalty he should be allowed to continue without it been held against him and a clean slate. I think Timpson are astute business people as many of those guys knows all about keys & locks.
From:
Michael Foley
09 December 2020 12:16 PM
YMCA chief should know better its the Tenants that does the overcrowding every time. The HMO regulations restricts the number of Tenants the LL can have in the property so how can he overcrowd impossible he should get his facts right. HMO isn't any advantage to me and never was just adding huge extra costs. There was no overcrowding before regulations were introduced and very little anti-social behavior either, when the LL was in Charge and not excluded from the property, now they made sure he is powerless and responsible for what he has no control over. I never wanted to be involved with HMO's it was imposed on me there is no choice and can't see why I should have a HMO license as I never let rooms. We are discriminated against half the Community don't need a license if connected to each other in some way and that is often a dozen in one property many on benefit, it would appear their relations occupy many of the Civic Centers making rules to suit their own, maybe The Guardian could investigate.
From:
Michael Foley
09 December 2020 10:58 AM
Yes hard times for some indeed not everyone, we can hardly expect Government to help Private LL's while doing everything possible to destroy us, that would be a conflict of interest, we are virtually Nationalized having being ordered / forced to house people regardless of whether payment is received or not but keep our heads well below the parapet of get a big fine for good measure. While I have the greatest sympathy for Tenants who are struggling and I do everything possible to help them as a human being but Gov' makes it a LL's guarantee. The best way to help Private Rented Sector is to scrap the encumbrances.
From:
Michael Foley
09 December 2020 08:55 AM
Well its easy to knock NRLA but who else have got ? apart from no one. We can Blog on here all we can and tell it how it is but there is no one taking a blind bit of notice of us, probably having a laugh at us.
From:
Michael Foley
07 December 2020 22:03 PM
LL's must provide kitchen & cooking Facilities says MPs, (Guardian Paper). I can't believe that I am reading this those are far as I am concerned are basic necessities and are always provided anyway. I have always supplied fully equipped Kitchens, Cooker, Microwaves, Fridges , Freezers, Washing Machines etc, and replace immediately when required as normal practice. I know in recent years more LL are reluctant to do this because of Regulators loading responsibility's on the LL. Therefore the Tenant may not get them removing the responsibility, when the Tenant owns them not it LL's responsible simple. I also blame the Council for this as well. I have it in writing from them if I attempt to put in any kitchen facility's / Showers / Toilets, sinks or hand basins without having Building Control Regulation Approval. I am threatened with a big fine, and they say it will affect future Sale of the Property or any HMO application. I don't have a problem with that I just will not do it go to hell I say, the minute you get them involved the cost doubles takes much longer then you have to pay them while you finance and do the work, its not about cutting corners either and very likely do a better job when not interfered with, usually people working on their own property is going to do a good job anyhow.
From:
Michael Foley
07 December 2020 17:44 PM
Agree I used always give to Charities but not anymore. I even used to have a standing order for water for Africa but when I see some of their wealthy fellow Country men in this Town you wouldn't get a penny out of them, we live & learn.
From:
Michael Foley
07 December 2020 11:50 AM
Whole sale Disability Fraud + Cars & Badges its Mammoth. I see it all the time in car parks, in a road near me she's on her 4th New free Car, she used to be 20 st so she had a couple then, then NHS gastric band so not over weight anymore but her Mother becomes that age in the mean time so she now has it for her although never seen her drive her anywhere, nice Detached House probably £1.4m and another one let, that's all I say about it, she's not the only one.
From:
Michael Foley
07 December 2020 10:00 AM
Compliant LL are folding because they have been unfairly targeted and over loaded with Regulations which is not sustainable. Non-compliant LL's still prosper as do Benefit LL and their Tenants. I do not know of any of them having a short fall.
From:
Michael Foley
07 December 2020 09:43 AM
Re: Shelter are you mad why are you campaigning for Rent Reductions at a time of serious Arrears. I have some in arrears since January (before Corona & continuing) in 2 of the most serious cases at least, now amounting to many thousands of £'s, although they do pay some money, arrears Increasing each month by £300 / £400. in each case plus some others can't pay full, so what's the Reduction Campaign for with their £60m Charity Status annual pot to supply nothing.
From:
Michael Foley
07 December 2020 09:37 AM
Paul. I don't think there is much difference between Landlord organisations. I was with NFRL but my membership became NLA as I remember it, now NRLA after merger with RLA, small Landlords became seem to disappear or interrogated into NLA possibly, with the split seems to emerge Southern Landlords Association which I was a member of too, but now called iHowz. I suppose it don't make much difference to us anyway they seem to exist to implement Government Policy and get us involved in courses to comply to this effect. I used to have what I considered good Insurance policy's but now we have what is called specialist LL Policy's with about 7/8 down loads who the hell is going to know what's in there, read and understand it they all say, Terms & Conditions Apply, its concerning if the worst happened, they could probably drive a horse & cart through it as they say.
From:
Michael Foley
04 December 2020 17:11 PM
NRLA, Mr Beadle say's get on with 'Renters Reform Bill' but not in my name there is never anything in anything they do to improve the Private Rented Sector only add more rules & costs. He should be Campaigning to scrap it and also to Scrap 2015 De-Regulation Act, which was never needed, brought in by a lobby group which get Funds from Government, also have Charity Status, with a No.1 agenda to destroy Private LL's. I agree sometimes S21 was abused occasionally mostly by some Asian LL's when they just wanted to put-up Rent, lets be honest about this. I had 2 lots of Tenants come to me that this had happened to but there was nothing wrong with them. I had one lot stayed with me 14 years then bought their own House, the other lot stayed over 10 years and never a bad word between us. Tenants abused S21 a lot more by far even sometimes filling out the forms themselves & get LL to sign, to get Housed by the Council, why is this never mentioned ? if LL's didn't play ball he was going to suffer no end, stop paying the rent and do as much damage as possible, then he had to go for S21 whether he wanted to or not, this is the truth about what went on, just sweep it under the carpet & blame the LL.
From:
Michael Foley
04 December 2020 15:31 PM
We have all those groups ganging up against Private LL's. I see in Scotland, Labour Politicians, living rent, green MSP, TUC, & Shelter among others, none of those provide any Housing that I know of, so why are they attacking the only people that does. They are getting funded by huge amounts to do this from Government and the national lottery amounting to millions, many have Charity Status and getting Grants as well like Shelter got a Grant to go into Scotland to see how much damage they could cause there. They are all intent on obstructing Private LL's and drive him out of business that's our reward for Housing Millions & paying Billions in taxes without any help from anyone only impeded at every turn. Its very very strange that the powers that be, haven't made any of those millions handed out to non housing Groups available to Private LL's to assist us provide the Accommodation, instead of continuously increasing our cost base to the point where we can't carry on.
From:
Michael Foley
04 December 2020 11:44 AM
Hi, retired agent I am old enough having lived through it and paid the 15 / 17% on Commercial loans. I would prefer those days back than all the hangers on's living off us now, grinding us into the ground and the endless anti- Private LL laws we now have. I always held the view that it was totally wrong to bring Bank Base Rate below the traditional 5%, then you paid on top 3/5% according to your credit rating, abolishing Savers over night so now we have not got savers anymore incl' the young so how could they have savings now either, morons. That time we had a better chance of knowing where we stood thing were far more steads at about 2.1/2 % pa, not leaps & bounds like the years since. Savers were left holding the baby with their savings sittings in the Bank doing nothing only devaluing, hence they were driven to buy property that they didn't necessarily need or want, driving prices through the roof all bidding against each other, could Government not see that ? but now complain the young have no savings & property to expensive all of which was caused by their Policy's. Yes I remember the 80's and what the guys in suits were called the same guys are back again making a fortune off LL's but don't know if they are called that anymore or allowed, (Yuppie's).
From:
Michael Foley
03 December 2020 14:46 PM
"Right to Rent " check nightmares, James Brokenshire is talking rubbish so he has been checking with a panel of experts, who were they more Graduates in suites, certainly not LL's. I have being doing it for 2 years and still struggling, just more unpaid work load for LL's to drive me up the wall. Why don't Mr Brokenshire sit down with his Panel of experts and write a list of all the unpaid requirements that has been imposed on Private LL's this last 15 years, they might even come to the conclusion that its not viable anymore. The Courts now Require bundles before you can even apply to go to Court, maybe even like Deposit Resolution as a mediator go between you & the Tenant, do they not think that we have not already spoken to the tenant to try to resolve. However they will ask the Tenant for a fee of £20.00 and if Tenant says no that's end of that, if Tenant agrees that's fine because he knows he's going to get a Bargain its the LL that takes the hit, the fee for this is £150.00 + vat for the one hour session max it would appear to meet Tenant & LL, at the end you'll get a piece of paper to this affect to add to you Court Bundle, you must also help the Tenant to get Benefit it a requirement to help their finances but I don't know where to start with this as I never drew any Benefit ever so not capable of doing it, is this another LL requirement to be able to apply for Benefit. Incidentally I understand the Deposit Resolution process has already had 20'000 take part in the Scheme rising rapidly, there you go £150.00 x 20'000 = £3'000'000. plus a bit for Government / 20% vat £600'000. = £3.6m extra of LL's money bites the dust. Add that to Deposits Schemes in a similar vain, ( they are all having a Laugh at our expense).
From:
Michael Foley
03 December 2020 11:48 AM
Time to stop the nonsense and reinstate Section 21 completely before we have the biggest collapse ever pfizer or not and while you are at it scrap the 2015 Housing Act that was never required brought in based on untruths. Otherwise the Government should have the decency to tell us straight that we have been Nationalized.
From:
Michael Foley
02 December 2020 16:41 PM
No use telling me about dash board a pig would know more about a half holiday. regarding the Short Term lets going through the Roof I agree this has happened that's partly why it so hard to find regular Tenants. Tenants don't want to be tied and free to move about. The sad part is it's LL's Property they are using under the cloak of a Company Let. and sub-letting them in rooms. That's how it is at a time when DCLG, the Mayors office and every Council / Civic Center forcing us to have longer Term Tenancies, good that isn't it, not.
From:
Michael Foley
02 December 2020 12:15 PM
The Renters Reform bill is all about Government ducking out of their responsibility to house people, having created the situation in the first place by giving themselves a Statutory duty to do this. They are not able to cope now and blame the LL and this is the real reason they want rid of Section 21, it's not that the LL's was doing anything wrong no one wants to get rid of a good Tenant, the idea of S21 was to get rid of a bad Tenant or get his own property back if he wanted to and why not, regardless after all it is his property. They now talk of a system to be fair to LL and Tenant that's a bad joke with all recent rules stacked in favor of the Tenant. The other point is if they are talking about equal rights to both parties, have they forgotten that one party owns the Property ?.
From:
Michael Foley
02 December 2020 10:01 AM
The Red tape above is not an option at all, its making a totally mockery of the private rented sector, is insane and I will not be doing it, and couldn't do it even if I wanted to will the best will in the World, it an absolute disgrace and an affront to justice. A business cannot operate in this environment, what other Business has to keep going to court to operate and try to run theirs / none because its not possible. I had enough of Courts having attended 31 times in last five years mainly as an interested party so I seen first hand what happens. At one stage we went to Tribunal which is supposed to be a cheap viable process to sort out your differences and reading the back of the form it said should not cost more than £500.00 or we would not have gone there. However it did not end there and continued for ever becoming a Land Mark Case, so this is how we are supposed to conduct Business running around with Court Bundles, give me a break.
From:
Michael Foley
01 December 2020 21:18 PM
Seb' I am probably the fool for being a LL, or could it be a legal system that required this to happen and no other way out of it. The Lawyers and Courts making big bucks at layman expense with no other route. The case was very simple 9 of us paid the Service Charge of about £1100.00 each pa, one lease holder decided to only pay £100.00 pa and continued like this for a number of years, based on a picking on a bit in the Companies Memorandum of Articles where by it mentioned a surveyors report fair enough but there was no Surveyors report of money to pay for it, least of all someone only intent on paying £100. When the Accountant done the Accounts at year end and knew what the cost were we all paid our share except one, usually approx' £1100. each, reasonable I think to cover the grass cutting, general outside maintenance and regular Vacuuming of common parts, halls, stairs & landings. + Block Insurance, you can draw your own conclusions. The new rules coming in as stated above is the same nonsense and will keep LL's involved in Court Cases for ever, not possible to run any Business under such stress and draconian measures.
From:
Michael Foley
01 December 2020 14:42 PM
I see this as a Kin to a small Block of Flats where I have one which what was originally a small issue with one Lease holder not paying the service charge and going to Court for backing which was given, (wrongly given in my view) was allowed to fester and escalate. To make long story short, we had several County Court Cases, First Tier Tribunals, 2nd Tier Tribunals, High Courts, Royal Court of Justice. I won't identify the case because I think I am not allowed. So it rambled on for years costing everyone about half a million in Courts & legals, it could easily have bought 2 Flats in the Block hands down. The worst part is it ended up a resident lease holder lost everything and couldn't take it and blew the Flat up totally while inside RIP. This case should never have seen the light of day and struck out in the first instance, this is what they are bringing in now for LL's a whole legal dysfunctional process. Congrats'.
From:
Michael Foley
01 December 2020 10:14 AM
It makes no difference whether we are careful or not we are been obstructed at every level from running our business that's clear enough and doomed to fail, no LL can cope with this nonsense and well they know it so whether the Tenant is good or bad you are stuck with this and this is a big encouragement to them to be bad and backed up by Law. We are LL's and should be allowed to look after out letting business and deal with all the day to day issues keeping our properties in good nick like we always did instead of tying us to the desk like they have done already loading us with rules so now just add twice as much more and have to avail of legal back up more time, costs and damage to collapse LL's and the economy. I have been through 5 Recessions and this will be worst by a Country mile. It was not enough to make a mess with Furlough wasting Billions when it should have been a Loan instead of a Grant.
From:
Michael Foley
01 December 2020 09:43 AM
I am going to defend the LL in Wavertree an area I used to know not that it matters. They were being rained on in the Kitchen ? more likely being rained on from the Bathroom above being misused by the Tenant family, (note no mention of leaking roof). Missing Smoke Alarms come on now play the game we know the Tenant removed them, I'll give you 10 to 1 on that. Lock missing on the back door who removed it ?. Licensing Schemes or other Regulations not going to help any of this, the Council already had all the powers they needed as far back as 1992 where by they could take any action they wanted against Private LL's if there was a complaint, I have that in writing, so there was never any need for a Licensing Scheme only to make soft money for nothing. The biggest damage was done by excluding the LL from the Property so as to make sure he can't know whats happening then turn around and fine him for the damage caused by Regulation. I have some occupants refusing me entry but they are not even my Tenants and shouldn't be there. I like the bit about allowing the Family to live there, he has no choice he cannot put them out, so how does he not allow them to live there.
From:
Michael Foley
30 November 2020 12:04 PM
Prudential regulatory Authority have no need to warn Lenders they are never at risk its the buyer that always get caught, they are well protected & can repossess in a couple of months not 2 years like LL's. I never understood all this lending scenarios anyway whether 125%, 145% or 175% its all double dutch to me and the Rent was never that much more to cover any of them its rubbish. The Regulator should be more concerned about the Rent Arrears imposed on us by Statute than the tax we pay, we have to get the money first to be able to pay the tax not alone make repayments on the the Mortgage.
From:
Michael Foley
30 November 2020 10:45 AM
Sorry Franklin, its not a moral Story, they have no morals, yes the heat is far too much for me and I don't wan't to be in the Kitchen or be a Landlord the biggest mistake of my life ever being a LL, what on earth for to run around after everyone, keep a roof over their heads, fix everything and be hated by the establishment but they won't let me get out, without destroying a life time of tax paying work. I have been a LL since 1978 / 42 years and campaigned for years to bring in Section 21 now people clambering to get rid of it without knowing why it was brought in, they all all great with their suits & Computers dictating how everything should be, they are not hand on LL's or capable of doing anything other than pressing buttons and only came into the Business this last 15 / 20 years maybe not even that, no wonder so many work from home because its not real work but someone does it and not from home. Get out of the Kitchen pay 28% capital-gains tax or next year 40% / 45% my tax rate on inflation mainly with no allowance, indexation or taper relief, then it don't finish there I am supposed to live another 7 years which is very unlikely or my Estate pays another 40% Inheritance on the remnants, what a waste of time.
From:
Michael Foley
28 November 2020 22:36 PM
Franklin want a silly Blog, whether you are a LL or on the Council licensing Team you are certainly not helping the Private rented sector LL or Tenant it seems like another case of the LL will be alright he has plenty of money that kind of nonsense. How many more costs are we suppose to endure we are already scraping the barrel with arrears and regulations so just add more it will be fine is it. so to reflect on what you say, EPC, "How to Rent"- that should never have been, Gas Certificate yes, Deposit Protection- that should never have been, Plus Prescribed Information,- Should not have been, Electrical Inspection Condition Report Cert' 5 year yes we pay for that, etc you say ?. I'll fill you-in then "Right to Rent", ICO's registration, Referencing Checking, Hard wired inter linked fire detection in every room + heat detector in Kitchen & monoxide detector where combustible appliances are, Certificate annually, Emergency Lighting common areas halls / landings, annual Certs, pat tests in HMO's that will be your license thing, Fire doors, stops & locks with non-key operation from inside, ditto front door, expensive door closer's, that's a good bit you didn't mention but that doesn't matter we are made of money just give local Authority another £1300.00 in L'don for a license Application, then they can give you a big fine for not been in complete compliance with the License you shouldn't have, why not also give them £85.00 per hour extra if they have to make a second visit to inspect what you done, you couldn't expect £1300.00 to cover that could you, you'll have to admit they'll need a pen & clip board, forget the fact they have taken away our 10% wear & tear, introduced Section, 24, possible Article 4. in some cases, + a great deal more in that 2015 housing act, they have already imposed C/tax per room in some HMO's, lastly you have lost your sense of value £2'500.00 is small change is it, so you will have no problem paying the Mortgage, Ground Rent, Service Charges, Full Council Tax on any vacant period or if you let by rooms you have to pay Full C/tax. The furniture, beds, 3 piece suites, tables , chairs, cooker probably 2 for HMO if 6 persons, fridges / freezer, Washing Machines, Boiler Servicing / break downs, maybe extra sink in kitchen like I had to do, Building Insurance, I wished people would think first and take proper costs into Account
From:
Michael Foley
28 November 2020 21:22 PM
I get on well with my tenants too despite all the Despicable Organisations best efforts to drive a wedge between LL & Tenant spreading poison. The same Organisations that made their Rents un-affordable adding rules and enormous costs while pretending to be their friend. According to what I read if correct 1 in 5 renters are on benefit / 20% so for every 4 renters there is also a lame duck not paying their way, living off the tax payer but don't dare and say anything about them or you are in big trouble, some have no choice I know but also I know many family's are splitting up or even getting Divorced, the Benefit offers far more security to a woman & children than the husband.
From:
Michael Foley
27 November 2020 10:07 AM
As expected a bunch of idiots in charge of us, now they even wants us to educate ourselves up to their standard imagine that ? morans. The Furlough Scheme was a disaster hundreds of Millions wasted if not Billions, everyone milked it from the Billionaire to the man in the Street, I know so many didn't need it and didn't even affect them some took thousands and then carried on in the black market in the mean time making easy extra money, I see free food being delivered to Millionaires its disgusting. All the Chancellor had to do at the outset was simply say its a loan & will need paying back sometime that would have cut the Bill by more than half immediately, the millions that didn't need it would not be applying. Everything Mark says this time is correct and a forgone conclusion.
From:
Michael Foley
26 November 2020 10:23 AM
Very good Insulate everything up, seal everything tight don't let anything escape, only problem we need air to live no wonder we catch everything cooked up like battery chickens. I wonder how our ancestors lived for thousands of years without a bit of polyurethane foam or rock-wool.
From:
Michael Foley
25 November 2020 17:05 PM
It was not possible to recover any costs regarding the locks, or other damage to the property amounting to thousands of £'s because of Tenants behavior, visits to the property by police, my second letter from Council warning me of robust action against me, there you go / I knew what was coming next probably a bigger hit so I advised them I would not be renewing contract and they did leave after a couple of months notice, don't thing its any rubbish house either I built it myself 35 years ago to a high standard complete with the NHBC guarantee at the time which I was a member of for 20 years. I suspect they had something to hide as well and I had to stay quiet & swallow all costs, its the new legal system its the person that didn't commit the Crime that pays the penalty.
From:
Michael Foley
24 November 2020 20:37 PM
Andrew, I was required to change all locks in the house for HM0 regulations to Euro Locks with thumb screw type on inside so that no one could get locked in their room and front door operate similar way to get out without a key, fair enough done all that. Then Tenants came along and changed all the Euro Cylinders operated with keys from both sides, when they left key's not returned or lost, result me having to change them all again, not easy but nearly impossible as I have to drill them out when I haven't got a key to line up the lever inside it cannot be got out, now made more difficult by stupid manufacturers with tempered steel, who on earth ever broke in a property by drilling the lock its a bit of a give away are they mad, surely the window is forced first, not easy to change the locks and the rubbish fire doors BS or Euro this that & the other that we are required to put is damaged in the process.
From:
Michael Foley
24 November 2020 10:58 AM
The Office of Tax Simplification means more tax that is the definition of it, never any other way or they wouldn't be doing it. The bigger tax payers that always paid more tax are targeted again and don't get any benefits from it, not even their Children's allowance, many even lose their personal allowance as well, as a penalty for paying more than their fair share of tax. He may even provide homes for lower tax payers / non payers to live-in, that get housing support, school food, school uniforms, nursery aid for their kids, reduced c/tax and a host of other discounts & benefits, as a reward for paying less or nothing, that's fine many businesses gone to the wall, just tax more out of business, what then ?.
From:
Michael Foley
24 November 2020 10:35 AM
Girish,True facts not reported is truest word you ever said like Deposit Schemes based on total untruths, you will all probably have seen last week TDS say far less than 1% goes to Dispute Resolutions so someone is making a killing, some of the big ones charge £26.00 to protect one Deposit in the Insurance Schemes, they are hardly at risk. The Schemes were brought in by an un-elected lobby group who alleged up to 44% were withheld by LL's, what an untruth and no come back on them why are they not held to account, now we have all this extra cost & hassle imposed on us and causing an administration nightmare as has been said on here trying to get it back. Just scrap the stupid Schemes like you did HIP's.
From:
Michael Foley
23 November 2020 13:52 PM
Its one thing paying an Agent @ 9% when you are getting a market rent but don't forget there will be other bit of costs they add in + 20% VAT on your fees which is hundreds on its own and I know 9% of nothing is nothing the money is gone you'll never see it. I don't get market rents at best of times, all hijacked by Digital Academics so called Corporate Lets, Rent to Rent or Airbnb etc, taken over LL's property & sub -letting it in rooms usually and now I have many arrears, other parts of the UK are more fortunate for now at least as they seem to be getting good rents for much cheaper properties and not hammered with so many unfair regulations yet. I can never understand why Licensing only applies to one half of the Community so called single family units by any definition and virtually nothing applies plus a huge number of those living off the system as a reward for not having to comply with anything, level playing field please. They Mayor would like the tenant to inform on the LL if he doesn't have the appropriate License for the Property but its the Tenant that should be licensed as the License don't always apply to the Property unless a different set of Humans Beings are installed ? total Discrimination its a mockery, so if you need a license don't bother just change the occupants much more economical and you wont get yourself a criminal record.
From:
Michael Foley
21 November 2020 15:26 PM
Just more & more on the band wagon carving out a lucrative business for themselves at the LL's expense, (we are so lucky everyone wants to do us a favor) and no need to query this & that / what if ? they'll have a thing known as Terms & Conditions keep clear let them row their own boat.
From:
Michael Foley
21 November 2020 08:29 AM
I don't understand really other than I know most Combi are only fit for one shower but you can add indirect Cylinder / Mega flow a good size for the capacity you need, then you shouldn't have the problem always assuming you have any space left with all them showers.
From:
Michael Foley
20 November 2020 21:39 PM
I think forget about £100.00 for an oven the Council required me to put in double range oven cookers for 6 persons in 2 properties with 7 unit hob that's £1'000.00 ten times more, some replaced 2 times already + the hood extractor 1m wide is £400.00 on its own and your are going to need help with this one /try catching that and walking away with it, in any case the cheapest oven is more than £100.00 which is the conventional oven with no fan pretty useless, you need a fan oven at least to spread the heat or you won't bake a cake even Curry's min £170. with fan cheapest but can be a problem to fit if you have gas hob with supply getting in the way, the more expensive one give you more options.
From:
Michael Foley
19 November 2020 18:31 PM
More corruption & collusion to destroy Private LL's so much injustice they are doing their best to drive the wedge between LL & Tenant further-in. I thing I should become a Tenant you already need to be 9 months in arrears before March before any action can be taken then probably another 9 to be out out or longer, so now for good measure I can have another 12 months free rent if the LL don't have the proper license which is so easy not to have, it took me several attempts to apply for the right one and even confused the Council staff, a house had to be mandatory HM0 more than 5 persons even though only 2 story, 2 other Flats in my legal conversion of 2 story house all passed according to 1991 building regulations still had to be licensed one with Additional and the other with Selective license. I can have all this free rent as a Tenant for another 12 months with the backing of the Mayor, then I can easily find something wrong with the Deposit protection, like several even the "How to Rent" if he didn't give me the latest one that no one knows about has changed already 9 times in 5 years, so I can have my Deposit back + 3 more Deposits that I didn't pay isn't it wonderful.
From:
Michael Foley
19 November 2020 17:27 PM
Mr Lester the Pork has more savvy than you think and so have the Tenants which is why majority don't avail of those policy's. Mr Evans so would like to impose another cost on Tenants that already have their backs to the wall. I think Insurance Companies are more interested in feathering their own nest like many others carving out a living for themselves off LL's & Tenants alike. When I had a potential contents claim some years ago it was never claimed, they sent the forms that were so onerous it was never done so a fat lot of good that was, more grief & hassle than what I would be Claiming.
From:
Michael Foley
18 November 2020 09:36 AM
Mark, you didn't clarify which one side will have no money, it looks like the LL to me. I can see if I didn't have to pay rent I would have plenty of money, on the other hand if I am on Benefit and being provided for I will have plenty, then work on black market for official 16 hours or any hours as no way anyone can verify what hours I worked. I understand you are a Surveyor and must know there isn't much scope for profit. I have a one bed Flat can you work out how much profit I am making cost of Flat £250k, stamp Duty £10k, rent £900.00 pm, Service Charge £1300 pa, Insurance's £605.00 pa, (contribute to other Block Maintenance ? ) C/tax £1648.70 (Harrow) if I have to pay it if vacant now all you got to do is work out Purchase deposit and Mortgage loan repayments with no tax relief on interest repayments S24 for tax purposes. Bear in mind the Council may land you with an HM0 Additional License cost at any time by Selecting an Area which they did to me in Acton, a Lady told us here yesterday to sharpen our pencils it will need to be very sharp indeed and before I forget all my labor is free as is Beds, Furnishings's, fridges ,Freezers, Washing Machines, Regulation Requirements, Boiler nightmares, repairs that will do for now I am very privileged not.
From:
Michael Foley
17 November 2020 16:28 PM
Jay, sorry that you have been offended and nothing to do with women sticking together but I agree with Andrew on this one although not that happy for being a LL and far less in recent years being a targeted by anyone that wants to have a go from the Press to Shelter and Generation Rent. Baroness Kennedy can expect to get slated while fronting Generation Rent continuously knocking private LL wrongly, a new batch statistics every day by every other Digital Academic to suit their purpose that living off us and driving us into the ground, no I don't feel privileged at all but despised & burdened.
From:
Michael Foley
16 November 2020 22:30 PM
This is a typical example of why HMO should never have been brought in destroying the Property I have suffered such devastation at the hands of Tenants, held to ransom over a barrel and the threat of action from Council. Tenants are King, give LL's back control of his property like it used to be, they Tenants know we are powerless to act and if you try, all they need to do is contact Council and they will be delighted to oblige & hit the LL. Regarding this case Blocked Fire Escapes, Broken staircase, gas Leak, Toilets not working, who done all those things not the LL but we have new justice system its the person that caused the problem is exempt in law. I have a good property with 3 Toilets no less and I got called 3 times in as many months all 3 blocked again & again having parties / drinking & takeaway's packing stuffed in them, total misuse. The Toilets never blocked before this lot in 30 years nor since they left, so that will be my fault for being so stupid to house people with no control of what happens.
From:
Michael Foley
16 November 2020 16:34 PM
Jay, you have a very valid point unfortunately the System is not the Solution its the cause. Where are the Fathers but we all know its a requirement to be single mother with kids to avail of all the free housing & hand outs. Thant's what broke up the stable family unit, the Government designed the system to smash the traditional family unit all those mad ideas about rights and entitled Society. I would like to thank Alicia for hi-lighting that more than half the free loaders are milking the system & the tax payer that's what's disgraceful. So you are all clambering for more from Government as if they have a bottomless purse, driving up taxes causing more Businesses to Collapse notwithstanding the huge number gone already, what then ?, (cut Benefits). There is no shortage of Homes just a shortage of people willing to pay their way, hence very long Council waiting Lists you still have potentially another 49% available if the list shortens.
From:
Michael Foley
16 November 2020 15:06 PM
Mr Wirth, hi David we wouldn't want to libel anyone perish the thought but now that you mention it I think LL's have a great case which should be crowd funded. I don't think I have heard a Local Authority or an anti LL organisation ever refer to LL's other than Rogue LL's surely that's Libelous if that's not defamation of Character what is. I wonder would lies be defamation like when Shelter alleged LL kept up to 44% of Tenants Deposits prior to introduction of Deposit Schemes in 2007, the truth was very much different less than 2% went to Dispute Resolutions, so we have Laws implemented base on untruths. Took away our 10% wear & tear, forced in "How to Rent" into our Tenancy Agreements against our wishes as if Tenants didn't know how to Rent with their iphones / laptops and 10 years more education usually than the LL's. They failed with the Private members Bill & Sarah Teather MP. then they were behind 2015 Deregulation Act alleging Property damage and a raft of other things to prevent the use of Section 21. This is some interference by an Organisation with Charity Status getting £15m pa, of our tax payers money to destroy us, changing the Laws of the Land as outsiders without being Elected Representative who's job it should be.
From:
Michael Foley
12 November 2020 20:33 PM
No David just a level playing field and not be burdened by everyone else's family pay for your own kids nursery.
From:
Michael Foley
12 November 2020 12:58 PM
Its anything and everything to destroy anyone who tries to do good, Benefit Claimants are King the Corona proved that the only one not worried about rent arrears, the tax payer is responsible for them and their food, their clothing, their Children's allowance, their housing, their giro.
From:
Michael Foley
12 November 2020 10:38 AM
Yes especially in L'pool they love a comfortable life style and property was always cheaper there. I lived there for 6 years as a tenant in many a gaff and at a time when benefits were very little and people were more interested in work.
From:
Michael Foley
11 November 2020 21:17 PM
Prop Tech, just more & more Digital Academics destroying our Business on line everything carving out rich pickings for themselves Alienating and destroying us. The internet has caused most of the problems that we have for sure, we wouldn't have half the stupid regulations only for the internet because they are too lazy and wouldn't do it if it involved work. We were far better off before internet and much easier to source Tenants because we weren't pigeon holed and controlled by web sites. Just a simple ad in the Evening News or Loot and they flocked from all over L'don, not messing about on line looking at hundreds just to see what you had for fun, I thought we had privacy Laws.
From:
Michael Foley
11 November 2020 20:54 PM
John, I have given up writing to my MP. having being writing to him for years, to be fair he usually replies and I have just counted 25 replies / envelopes with House of Commons envelopes on them all in connection about Housing Policy and unfair Regulation. However nothing changes only for the worst I have even given up voting although I am required to return the form to the Registrar. My MP is in a Benefit Claimant strong hold hanging around the Street and smelling of wacky tobacco hence he has been re-elected at least 5 times with a bigger majority so no point in LL's talking to him, obviously when they get everything for nothing they are going to vote for him and they do. I don't suppose he needed to go to Harvard at all.
From:
Michael Foley
11 November 2020 11:33 AM
Refinance there could be something in that although I only ever had a primary education, depending on your situation and you are into property to some extent but own your own Home. Supposing you form a Property Company sell your own Home to the Company you have a ready made buyer, Mortgage it up to the max, get your tax free money out. The Company then rents out the House even to Council on some 5 year thing or what ever taking full advantage of Section 24 as long as the income covers the Mortgage why worry when you can use S24 it should be easier and don't forget you sold it but still own it. With the tax free money behind you up size or down size which ever suites you, buy another Home on a Mortgage with a good Deposit keeping a war chest behind you to withstand what ever comes and be financially secure, some time down the line you will have another Personal Home to sell.
From:
Michael Foley
10 November 2020 16:06 PM
Well done you David, how do I bang on 15% on top when I am thousands of pounds in arrears already and tenants haven't got it ?. When the high profile LL's have done their Cherry picking we house the rest they are people as well and given half a chance most are ok.
From:
Michael Foley
10 November 2020 12:32 PM
David your obviously having a laugh the list is as long as your arm ? I have listed a lot before no need to go there again wait until you are hit with HMO's etc + upgrading your EPC , Insurances, Right to Rent, How to Rent, ICO, Deposits costs, Gas Certs' boiler break downs, Electric Condition Report, Fire Alarm Certs, Emergency Lighting Checks, Tenant Referencing, Landlord Courses hundreds of £'s, LL member annual fee, that's a dozen extra off the top of my head you passed on. I see without even having to think. Have a nice day I have plenty to do.
From:
Michael Foley
10 November 2020 10:21 AM
For all LL's that might own the property out right or not you have to be mindful of the huge amount of Regulations & costly Requirements already to impact on you, so no use thinking or pretending you will have nothing to pay there are huge. Landlords have to remember most of the rise in property prices is false just inflation that is more beneficial to your sleeping partner than you or did you forget that, everything you do they hit you and if you have a couple of properties you are already a 40% tax payer especially with S24, currently if you want to get out 28% (next year probably your tax rate) so your sleeping partner that hates you gets 40% but it don't end there give anything to your family and they will lose another lump at their tax rate, you might be able to mitigate some of this if you are lucky enough not to have a dysfunctional family and plan ahead, the 7 years mad rule that hardly applies for the first 4 years, you are supposed to know going forward your health 7 years in advance, live horse & you'll get grass.
From:
Michael Foley
10 November 2020 09:29 AM
I think LL's should pull in their horns and not buy anymore we know what is happening with the work situation and the thousands of Flats being built clearly not required. The Tenants are in trouble and will be so that means LL's with heavy borrowings are also in trouble, even if you owe very little don't expand but consolidate. The LL that owes nothing should sit there and do nothing in the light of Shelter & Nationwide conspiring to destroy him, some cheek Shelter riding on our backs, Nationwide two faced and dangerous knocking LL's while their subsidiary TMW one of the biggest providers of btl mortgages making a killing & ruthless I used to be a customer.
From:
Michael Foley
10 November 2020 09:02 AM
Another pervert there's been many of them over the years. I can't see whats wrong with all Female House I had one like that for 30 years which happened to start off that way and that's the way it continued it just rotated like that. Many were young women and when their mothers came to find accommodation for their daughters were delighted with this. I am not saying they didn't have any boy friends there were 2 marriages from the House but the guys were not my Tenants. I know its a bit different now we are even afraid to discuss for fear of offending someone, some people are so confused they don't know what gender they are.
From:
Michael Foley
09 November 2020 13:19 PM
ZZZZ No but you can out of a Landlord.
From:
Michael Foley
09 November 2020 09:29 AM
Andrew, I don't know really we are in the dark but I understand the CE0 gets 125k pa (Poly Neath), so can't see it being more than that, this lady got a CBE. I think she's 3 years as CEO with Shelter that don't house people. I would like to know where is my CBE for housing people for the last 42 years no grants or Charity support only pay taxes through the nose as a penalty and then they changed the law regarding LL's housing issues from Civil proceedings to Criminal so as to give us a criminal Record.
From:
Michael Foley
07 November 2020 21:18 PM
Obviously typo too many zero's, (£60'000).
From:
Michael Foley
07 November 2020 20:18 PM
Paul, I disagree on this one most of our problems are caused by rules & regulations also in many cases the cause of un-affordable rents due to increased costs that otherwise could be better spent improving the property. We are already governed by 177 pieces of legislation, cost & time consuming putting us behind the desk continuously trying to deal with red tape which for traditional LL's like me is impossible as I am not a computer literate LL but hands on, like millions of other LL's, so its not about housing at all its about bureaucracy nonsense for Graduates to play with their buttons and live off us with no input, then talk about Penalties & Sanctions who is that going to encourage to do anything, Police State.
From:
Michael Foley
07 November 2020 16:07 PM
The glut is caused by LL's letting their property to so called Corporate lets taking soft option due to regulations making their business to difficult to run. Those Companies or Rent 2 Rent call them what you like same difference making a mug of us, they then let by the room often short let making a killing charging premium prices, that suits many that don't want to be tied to longer Contracts, like to be able to move without too many restrictions but LL can't do this themselves everyone applying the pressure on him for longer Contracts. Those are all Graduates rubbing shoulders with the Councils Graduates who will be making special laws where by different rules for them I know already..
From:
Michael Foley
06 November 2020 21:44 PM
They don't know what they are talking about and all they do is talk and can't even do that morans, you will keep on until you collapse the economy then what.
From:
Michael Foley
06 November 2020 21:28 PM
Baroness Kennedy, how many people do you house ?. We don't need you to tell us what to do, I already have huge arrears growing monthly. I haven't evicted anyone yet or tried to in this climate but as you know I couldn't even if I wanted to, which I am sure is contributing to my arrears, so you want to stop something from happening that's not happening how do you do that.
From:
Michael Foley
05 November 2020 10:17 AM
Hi David, what makes you think this we already have to comply with all those requirements and in HM0's post them on the notice board which I do, for example Gas Certificate, Energy Performance Certificate, Electrical Condition Report, Emergency Lighting Certificate, Inter linked Fire detection System Certificate, Right to Rent information, How to Rent booklet guide, ICO, HM0 Certificate, forget about Deposits they were taken away by Shelter in 2007. I also include the above in the Tenancy Agreements already to be signed as part of the Agreement. David are you sure you are up to speed or how many more things have you got in mind to drive us out of Business.
From:
Michael Foley
05 November 2020 10:01 AM
Mark, I would say the real problem is not mentioned although I have said before. The Government / Bank of England are the culprits, using the excuse & pretending it was a good way to control inflation nothing further from the truth, I mean reducing the Bank Base Rate below 4 or 5% which is what it used to be then you paid 2.5 / 3% above the for your loan, you knew where you stood property probably went up 2.5% pa. The affect of reducing the Base rate caused the problems we now have in the main. This abolished the Savers over night which is why they bought Property as left with no alternative home for their money and also the main reason why young people have no savings with no encouragement or incentive.
From:
Michael Foley
04 November 2020 14:12 PM
I have taken a big hit far more than my fair share, now more rules about HM0's so called protecting rent arrears just to keep some persons installed in your Property that can never be put out, no it should be joint & several as now or we'll have multiple Court Applications to get our Property back I would prefer Arrears to this. I never liked the whole concept of HM0's at all, it was imposed on me like everything else imposed on us, putting individuals in all mixed up together, (its different if they came together as a group like it used to be) put one girl in there in that room, put some different Nationality's, Culture or Gender or even species in all other rooms.
From:
Michael Foley
04 November 2020 12:16 PM
To my mind its not the Government that sold off the the Social Housing it s the so called needy poor Tenants that were kept by the Benefit System and their Family's reared for them for free. I bought 2 such Houses that were originally Council Houses but I paid the Market value for them. However, for example ONE I bought was £207k some years back, when I got all the paper work afterwards it showed it has been bought for £22k right to buy by Tenant with discount from the Council, so what did Council get out of that sugar all. Some Social Tenants having a laugh for sure.
From:
Michael Foley
02 November 2020 16:02 PM
Yes looks like LL got it wrong but like already said its half a story or less, hence the £500 fine which means LL shouldn't have been fined at all or its more likely to be £5'000 or more but couldn't be seen to not to fine a LL it may breach protocol of Court system. Stef Nelson is very clear will not hesitate to take action against those who violate Tenants Rights. Stef forgot to say, will not hesitate to take action against those who violate the Landlords Rights.
From:
Michael Foley
02 November 2020 10:51 AM
Another one comes crawling out of the woodwork that Represents Estate Agents and not us but depends on LL's for a living, its not his property & why weren't we invited to the working party making a series of recommendations to Government indeed. There are countless Organisations & individuals living off LL's backs, can they not get a job and earn a living instead of devoting their lives to destroy us and make some contribution to the Country instead of speeding up Recession, the'll have us like the people on benefits wanting to do nothing.
From:
Michael Foley
01 November 2020 20:25 PM
Hi Sue, sorry you had bad experiences it a shame that the Council took the money that could have improved the properties for those Tenants. Of course we all have a right to eat if we earn it, we all have aright to good housing if we buy them, its a pity that other people expect me to work to keep them. Incidentally you didn't say what those individuals they do for a living ?, you are right about Broken Section 21 but crippling LL's. Deposits you say I don't have them since 2006 since Shelter alleged LL with held 44% of Deposits, it later only less than 2% went to Dispute Resolutions. Too many spongers on UC, I can't wait for the day we are thrown out what a relief that would be.
From:
Michael Foley
30 October 2020 19:49 PM
Mr Wirth I disagree totally with you I am not talking like many others that never had a License I am talking from as a LL that has suffered at the hands of the worse than useless Councils that run this extortion racket, with no in put whatsoever they see fit to charge £1300 for a license. I was a Tenant for many years too, so do you want to argue that one fine. This confirms it all been hijacked by Graduates that knows Computers and nothing about being a LL. They have plenty backing from letting Agents as is evident here self interest feathering their own nest. People can have a License for a gun it don't necessarily shooting someone.
From:
Michael Foley
30 October 2020 17:00 PM
Licensing is a route to a dysfunctional private rented sector & bust.
From:
Michael Foley
30 October 2020 08:48 AM
Mr Wirth, no Surprise Surprise at all, we know what the Licensing schemes are nothing new to me I have all mine licensed for years & some a number of times even four so I won't accept a lecture about how good they are having done so much damage to me and my business. The things they are suppose to prevent they cause like sub-letting, overcrowding and Anti- Social Behavior. I have had it all, houses that there were never a problem with for 30 years prior when the LL was in control and could enter the property not that I would unnecessarily but the Tenants knew they couldn't get away with all those thing so it didn't happen it just more interference all the time to make it unworkable as a result of all this, complaints several from neighbours, police around again & again, Council on my back threatening me with action, that they knew sure I couldn't do anything about. I wrote to the Tenants every time & the Council copied-in, of course they said it wouldn't happen again but did. Then Council wanted to interview me to see if I was a fit & property person when I advised the Tenants I was not prepared to continue with the Tenancy, so the Council didn't want me to get rid of them either, there you go. It would take too much time to tell all what other grief / problems & costs HM0's caused me.
From:
Michael Foley
29 October 2020 12:06 PM
Hi Andrew in my case they ignored the Court Order as well even though the Judge gave them extra time to get out, so then no option but apply & pay for the Bailiffs all took more time free renting but amazingly the Bailiffs notified them the date & time when they were coming, they left 2 house prior I just had the extra inconvenience & cost for the Bailiffs to put a notice on a pain of glass.
From:
Michael Foley
29 October 2020 11:36 AM
The Reds are not under the beds anymore they are in the Council Offices.
From:
Michael Foley
29 October 2020 11:20 AM
Sink or Swim with the millstone around your neck some chance.
From:
Michael Foley
29 October 2020 08:02 AM
I never understood why Houses in Multiple Occupation (HM0) applied to grown up adults and not Family's who maybe elderly or young with Children which are much more vulnerable and far more likely to knock something over or do something through innocents or mischief, surely it should be the other way around.
From:
Michael Foley
29 October 2020 07:56 AM
I can't understand why we have to have a Court Order to get them out it should be a simple matter of give them 2 /3 months notice especially for HMO's or even any other Let after all that's what it is, but with everyone on our backs, mostly people & organisations were by it none of their Business we own the property pay the loans, do the maintenance work up date to comply with mad Licensing Schemes, now we'll have more costs Energy Performance up dating, still have no rights whatsoever but honestly I now wonder if we do own the property at all. The Tenants are free to walk away anytime they like regardless of Tenancy Agreement and don't need a Court Order to come-in do they ?. I have had only had 2 County Court evictions in 42 years I would say partly because the Tenants knew Section 21 was there, now they'll have nothing to fear and collapse goes the economy there is nothing else left to attack.
From:
Michael Foley
28 October 2020 21:26 PM
Please tell me where over demand is in London as much as I would like to agree with you, I have plenty spare capacity. Thousands of multi-high rise Concrete Frame Flats going up all over town clearly not required look around you, where are the people to fill those where are they living now if they exist, people are not grasping the scale of whats happening. virtually all letting in L'don is now illegal or it won't be let its as simple as that. Then they say people moving are out of town as well, maybe that's why Milton Keynes haven't stopped pouring Concrete.
From:
Michael Foley
28 October 2020 12:57 PM
We know we are being driven out for sure every one having a pot at us. I have had no rent increases only arrears & vacancies square that one. The whole business has been hijacked by graduates digital everything or can't operate like traditional LL's who can't do it, so its not about housing anymore its about Computers, when Computer says email address not valid that's a brick wall , no phones anymore no back up, although email address was valid for 20 years. With reference to doing away with S.21 it should Remain for the following reasons we have already complied with every law that was ever made. S21 should Remain for HM0's who are not Family's obviously's or we wouldn't have a license in the first place. Also longer Tenancies shouldn't apply to HM0's as they are mostly single persons who don't want Longer Tenancies always on the move and want to be flexible + don't want to be stuck for 6 months either I have had them come & go like billeio nothing I can say about that I cannot stop them going but they can stay as long as they like I can't put them out, we are all equal before the Law, not, we are only the owners.
From:
Michael Foley
28 October 2020 09:51 AM
Shelter is very good at the Statistics just counting numbers, so what are they doing to help ?, can they give the £15m tax payers money they get from Government for free to the Local Authorities specifically to help house the Homeless seen as they don't do it themselves. Why not tax the £60m approx income they get @ 40% tax like the tax we have to pay and give that to LA as well that would Help the Homeless. Then Rishi Sunak could make Rental Income free of tax then we could supply the cheapest Accommodation ever know, every let affordable for the Tenants they love, so step up to the mark, even compete with the Council who don't have to pay tax.
From:
Michael Foley
27 October 2020 19:48 PM
Don't understand this as far as I was aware SDLT was £15'000 on a £500k purchase before the Mr George Osborne doubled making say £30k on the same Purchase, now this so called SD holiday reverted it back again temporarily to 3% on second property, so that's what it was before they take us for right mugs I wouldn't be rushing to give them £15'000 let alone £30'000, how long is it going to take you to recover from that when Capital growth is very unlikely, income uncertain, regulations anti + rampant and the greatest recession ever on the horizon. Short memories about SD it used to be nothing on £125k then 1% on £250k then above this it went to 3% not like now 3% on the lot for second properties not exceeding £500k doubling again in March '21 not much of a carrot then just sticks.
From:
Michael Foley
26 October 2020 18:02 PM
Robert enjoy it while it lasts I am lucky if I achieve 3 / 3.5% and that's in theory assuming I get the rent. I said before Check in the chips while you can we missed the Bus. This is one thing I agree with Mark about it starts in London and don't worry it will get to everywhere.
From:
Michael Foley
26 October 2020 16:12 PM
Many are in Temporary Accommodation as a step to getting Housed by council, they all want to be on the Council to get subsidized or free Housing & Benefits, some don't need to be there but the system is made to be abused that's why people cross other European Country's and risk their lives to get here, time to change this unsustainable system. Shelters mentions about the £1.2b spent in a year on temporary housing for the homeless they forgot to say how much of a hit Private Landlords have taken with Rent arrears or in my case 40 individuals are in arrears rising monthly and I am only one Landlord in no big way..
From:
Michael Foley
26 October 2020 16:00 PM
Professional Companies will be little affected by abolishing S21. The are currently our biggest problem parading as Corporate Companies taking over LL's Property and sub-letting the room making a killing breaching every regulation that we are supposed to comply, (huge numbers doing it haven't seen any Press report on this yet, we always hit the head-line) but that's fine with the Authorities all Graduates rubbing shoulders together as long as they making a monkey out of the LL that's great they wont be in any trouble they'll be the pillar of society.
From:
Michael Foley
24 October 2020 20:18 PM
Currently with iPhone they can claim the Benefits from the bedroom recommended, I think its a requirement if not on line it can't be done.
From:
Michael Foley
23 October 2020 12:03 PM
Mr Griffiths, so if people are deserting London why in the same breath are you saying Build more when there is no shortage you try & let you'll find out, I had one vacant 4 months in West London, everyone is on the media band wagon based on nothing just build more when there is already a glut, stop building stupid Sky Scrapers clearly not required, remember Grenfell disaster at 24 story's so the Councils answer is now to Building 42 Story just a mile away although part is more than that, pure madness but we can't expect any better from Councils 20 mph snuffing the life out of Business / destroying the economy, now they have introduced portable timber flower boxes planked in the middle of the road or at junctions with no entry sign stuck on them + cctv £3m in fines already in a few months, of course you block all the arteries clogging the main drag doubling congesting & quadrupling pollution, I wont even mention Bus lanes. Congestion Charge & Emissions Zone being extended more huge costs but don't worry no one will want to do anything, imagine getting done for speeding at 24 mph has happened, I seen eBikes flying past quicker, Congratulations
From:
Michael Foley
23 October 2020 10:01 AM
Another money grab by a Council but this time it's a double money grab they would like it twice a two tier system to get even more money. They keep spinning the idea they want to look after Tenants, then you house them. The regulation costs has driven up rents no end making rental un-affordable that how much they love tenants. Taking management and all Controls from the LL has caused property disrepair, how do you manage a property remotely this is Council idea of management just paper work or computers to satisfy their red tape but exclude the LL from the property, before 2 jags John & a Charity we had control seen what was happening first hand & dealt with it before it got worse and the Tenants understood this was the case until they drove a wedge in between us making us the bad guys. What licensing has achieved so far apart from milking LL's is the creating of Sub-letting (when the the cat is away the mice will play), over crowding, Anti-Social behavior and Cannabis Farms any of this didn't or couldn't happen before when the LL's were in Control of the Management, go on then prove me wrong I know its true.
From:
Michael Foley
23 October 2020 08:21 AM
Sitta you sound like a Council employee, why should it be £100 / £250 its a disgusting suggestion and unjustifiable extortion the Authorities are getting away with blue murder. people with this attitude probably never don't actual work or do you live in the real World in hard building you can work a full day and maybe not get a hundred pound, so you think its ok for some one to turn up with a pen & clip board or laptop to make a few notes, should stitch up the property owner like this. I had them look for £85 an hour off me. I would suggest £12.5 to £15 per hour is more realistic & one hour at that or you shouldn't be in a job.
From:
Michael Foley
22 October 2020 17:48 PM
Why would you suggest prison there is enough in there already at huge cost to tax payer. The Authorities now have £300k for old rope and while the people were illegally house isn't it far better than being on the street, forget about the mildew that's their Culture. I don't know why people keep on about Licensing does that mean you haven't got any or you wouldn't even go there. I have had to license & re-license many 3 times it not funny at a big cost and the licensing fee has doubled but that's the tip of the Ice berg with all the material changes & compliance costs think on. It's done enormous to damage to the private rented sector, 3 things it caused mainly, Sub-letting, Overcrowding and Anti-Social behavior or you can link those together but certainly it didn't exist before the Prescott 2004 Act introducing Licensing Schemes in 2006 to start with, then we had a Charity take away our Deposits in 2007 base on untruths when they alleged that 44% of Deposits were with held by LL's it later turned out that less than 2% went to Dispute Resolution no further comment needed, then it was the 10% wear & tear got their attention, then Private members Bill, then it was De-Regulation Act 2015 to use excuse alleged property disrepair or Tenant tamper with Boiler to avoid eviction, then suddenly they remembered no one knew how to rent that they had been doing for decades so lets a Have to Rent 9 page Guide or you cant use s21 but lets keep changing every 5 minutes so that they won't have the right one and we'll make it up as go along, there was no sub-letting, overcrowding & little ASB when the LL was in charge but not anymore he is now everyone's sugar daddy.
From:
Michael Foley
22 October 2020 14:49 PM
Landlord Winchester Witch Hunt, terrible time to be a Landlord. Fantastic time to be a Student Tenant stay in a Property use all the facilities and get your money back and a couple of hundred for a day out, sure you wont be doing anything else anyhow, if it required as license the Tenants should have known this and not taking it, they were quiet happy to live there, what are they learning, they know everything else, avoid the three behind the desk.
From:
Michael Foley
20 October 2020 22:24 PM
Well this LL is certainly getting some stick but I don't buy the full story by any means. (1)Blocked Drains who blocked them ? its always in my experience because of misuse otherwise they work perfectly well for 100 years. (2) Collapsed ceiling I have had that when the Tenant flooded the Bathroom, ceilings don't just fall down. (3) Filthy Facilities who made them filthy ? are they adults or is he running a nursery, soap & water is not expensive, we can't help the Tenants Lifestyle or Culture I know that one. I am sure it was clean when they moved-in or they wouldn't have taken it. (4) Abandoned Car I have had that to but couldn't touch it or get anyone to take it away without the log book. Council or police not interested when on private property. (5) Overgrown garden who's duty was it to keep the garden on the agreement or if LL had he access without being accused of harassment ?. (6) HM0's does impose a great deal of duty's on the LL but given no power to carry out the requirements only at the mercy of the Tenant & no power to require the tenant to do anything, he is even banned from the property, I had that my wife & I gave the 24 hours notice to visit property but the tenant stood in the doorway & said I don't permit you so we had to go home. (7) The council had plenty free time to keep visiting this property a pity they didn't bring a few drain rods with him, just make notes they call that work they don't know the meaning of the word. (8) Mr Donaldson didn't make his decision lightly, that a bit obvious as he is as I understand it a Beneficiary of the fine, had he take it lightly he might be getting a share of £5k instead of £20K and I think that's a lot of money, if a young a person had it, it would be a deposit on their Flat, anyone who thinks 20 grand is nothing must be very rich or lost their sense of value.
From:
Michael Foley
20 October 2020 18:25 PM
London has been taken over by sub-letters whether they be individuals sub-letting the LL's Property & ignoring all the regulations bestowed on the LL. Corporate letting scam where the Company takes over the LL's properties and sub-lets it out in rooms this is rampant at the moment with the collapse of Airbnb, while no one even raises this issue so the LL haven't a hope of knowing who is actually living in the Property, so whats all the legislation about Right to Rent etc it rubbish, I know many letting Agents are using those Companies to shift property. When a LL wants to find Tenants directly he is finding it virtually impossible because guys have them hoovered up.
From:
Michael Foley
20 October 2020 17:35 PM
Neil, exactly right you seem to be one of the only few to raise the issue why it was introduced in the first place, that we gave years campaigning for prior to 1988 / s21, only for politicians like Sir George Young it might not have happened and millions would not have got housed at no cost to Government the way they did, if Government decided to give themselves a Statutory duty house all claimants for free its up to them and not our fault. We provide the Property to the market at no cost to anyone but ourselves at our own risk and always did even before residential b2l loans carry on with Commercial loans before Woolwich Building Society started all this nonsense buy to let (gone bust out of business long ago), where some ended up with dozens of properties and nothing paid off, totally tax efficient making a monkey out of traditional LL, no wonder the government clamped down on the industry with a hammer.
From:
Michael Foley
20 October 2020 10:08 AM
I suppose politicians don't need information lies from a Charity will suffice.
From:
Michael Foley
19 October 2020 15:22 PM
Yes Simon I am paying £214 pm C/tax on empty house as well + several other bits of C/tax through out the year when people move on, and there is talk of doubling it all for a non-service, but if one person was living there would be 25% discount they are not thinking straight ?
From:
Michael Foley
16 October 2020 20:59 PM
I had enough of this in the past with dogs ruining the furniture which had to be throwing away, the garden in such a mess you couldn't use it and the house infestation very costly which I had to pay for. another one a war with the Freeholder about a cat my Tenant had breaching the Memorandum of Articles / Lease or what ever it was. That it keep chipping away at us why not everyone is at it, the way it is now I don't want you or your pets.
From:
Michael Foley
16 October 2020 17:20 PM
HM0's is the biggest cause of homelessness for sure because of HM0's, time to scrap the Licensing Schemes now. I could have let 20 times over but it would be to.. whether it's Individual lead Tenant sub-letter / Corporate pretend Companies (Ltd's) & letting Agents now doing it big time, thousands of lets they take LL's property as a whole & sub-let it out in rooms all making a killing. This is not compatible with all the Regulation we have to comply with, least of all HM0's. Right we do Reference checks, Credit checks, Right to Rent check etc, when you let to those guys who have corned the market we don't have a clue who is staying at the Property but we must be snow white the most appropriate persons. I had a group of individuals who seemed to be suitable for HM0 but it was not to be some of their colleagues were very disappointed with their friends when it came to light one had CCJ £1875.00 live, another had a much bigger one £100'000.00 I kid you not, still I know if Sub-letting merchants gets hold of your Property they will & are housed all over the place no problem. Mark you can all eat one another if you like but I never lived off anyone.
From:
Michael Foley
16 October 2020 11:22 AM
Seb' you are having a laugh again at least you got a sense of humor. Suggesting its a good time to buy, at a time we want to run away with so much injustice. How many times have I said on this platform that there is a glut in L'don but now they are telling us this when its history not news. Why are thousands of more stupid high rise Flats being built clearly not required. Then the young buyers are coaxed into buying them with help to buy rubbish schemes / help to get into trouble schemes. It seems to take a disaster to stop regulators doing anything, dare I say it but if Grenfell (24 Story) hadn't happened thousands of more Blocks of Flats would have gone up since covered in Plastic cladding that now have a Brick facade but now they are building 42 story's high just a mile away how mad is that ? and its even a labor Council than gave permission for this ?.
From:
Michael Foley
16 October 2020 05:21 AM
He is wasting his time he going to get done anyway only twice as much he must know that by now, its a bit like the protection rackets of the 60's where some pubs had to pay gangsters or they would put them out of business. HM0's are complicated I believe more than 4 is mandatory HM0 I have those unfortunately. Then they have Selective Licensing, I think they select an area, 4 persons again I think, maybe 2 households / 2 couples, can also be 3 households but maybe 4 total subject to room size & space. Then they have HM0 Additional Licensing Schemes which looks to me like the Mandatory HM0 but if you are all related don't be worrying about anything you'll be fine the rules are are made to suit you, its rubbish or course it should apply to everyone or no one, (some LL's are more equal before the Law than others).
From:
Michael Foley
14 October 2020 20:55 PM
English Landlord, Congratulations I didn't know there was one, I am delighted to hear. Cheers
From:
Michael Foley
13 October 2020 21:22 PM
When Ms Kennedy / Generation Rent asked 102 Councils under Freedom of Information Act what enforcement was taken against LL's, how did they forget to ask Freedom of Information Act, how many Tenants breached their Tenancy Agreements so we might have a balanced view. Don't know why they bother to mention the 2015 Deregulation Act brought in by Shelter a non-elected organisation that shouldn't be making Laws of the land, just a lobby group with charity status £60m income and no tax & no house, how about them paying 40% tax like us, then giving them £15m from public funds our taxes to wage war against us. Also lumbered us with How to Rent Guide or what ever they call it now as if renters didn't know how to Rent & they doing it since 1988 at least, in the 21 Century above all with their computers / lad-tops & iphones, is it 9 times they have changed the How to Rent Guide impossible to keep up with it, they are just making it up as they go along it shows they no nothing about nothing.
From:
Michael Foley
12 October 2020 21:25 PM
Alister, for good measure it goes without saying your fees attracts 20% vat / several hundreds of £'s. have a nice day.
From:
Michael Foley
12 October 2020 14:53 PM
Alister, where are you coming from 10% pm is more than a months annual Rent then + your £150 are you winding up. Paul, I have the CPD points that cost me Hundreds of £'s I was no better off in the end only poorer. I have put over 2000 Tenants through my hands personally without all this crap, now I need to learn how to do it, its now all button pusher , red taps and bull sugar nothing to do with quality affordable housing, just keep making rules and change the format how everything is done to make themselves seem important.
From:
Michael Foley
12 October 2020 14:07 PM
Technology / internet forcing LL's to use Agents as we haven't a hope of dealing with what we have always dealt with for decades , now it's all taken away from us and put in a different format that they know we cannot do, you can bring the horse to the water but you can't make him drink, it all absolute rubbish just for Digital LL's that only come to the business this last 15 / 20 years after we giving years campaigning for 1988 Act, then they hijacked the Office end of the business to our exclusion, not proper LL for the most part. The main reason I try to avoid agents is the 9% + vat (10.8%) now that's the reason simply, last time they took the first months Rent completely + I had to put my hand in my pocket as well for another £400.00 as the months rent wasn't enough to to cover the charges, put that in your pipe & smoke it.
From:
Michael Foley
12 October 2020 10:08 AM
Paul, keep well clear of HM0's they are a costly disaster make no mistake about it was only brought in to create big soft jobs for Council Staff with no cost or in put of there own. Then they have the opportunity to penalize you at every turn, fine & ban you for breaches that don't apply to other LL's. I recently had a house to let so difficult because it's a HM0. I was approached by an Agent I knew for years he was all business until he realized it was a HM0, then said he couldn't deal with it because there are too many Legal Difficulties but if I would give it to a Family on Benefit no Problem and the Council would remove the licence & give me some money back, keep clear. I was at Council / LL meeting last year in Harrow & the Council representative was full of himself about how great a golden goose HM0 is he said they were getting 6% more than regulating LL's, no point in me sitting there listening to all this when all mine are HM0's and know its not true only an impediment.
From:
Michael Foley
09 October 2020 16:57 PM
I was approached last year by a Council Accommodation finder, although he initially told me he was from the Council a lie. However he was offering over the top rent so I went along with it for a bit, it was for an Iranian Family a man + 4 Children no talk of wife, things were going ok until I got site of Contract then alarm bells starter ringing and cancelled. The reason being it said the rent would be paid to me directly but the Tenant was at liberty to change it and have it paid to him at any time, it also said once the Council had Placed the Tenant their responsibility had ended. Why on earth did they put those clauses in there, if its rent it should be paid directly only no changing about by the Tenant they know what the money was for, it like they were giving him the opportunity to with hold or use the rent for his own lifestyle, so that didn't work they lost the accommodation for being so under-handed.
From:
Michael Foley
06 October 2020 20:15 PM
Regarding people coming up with the idea that no one knows who owns the property, they must be running out of things to sabotage us, this again is rubbish as the man previously said just £3 Land registry search in a flash its done or as many Websites now require proof of ownership in order to advertise the property to let on the main portals. I think they are late to the party.
From:
Michael Foley
06 October 2020 18:54 PM
It will be a Register for ex-LL's it all rubbish time to scrap all this nonsense its exactly what the Rogue regulators want, they keep driving the wedge between LL & Tenant further-in. Virtually all LL's & Tenants get on just fine we are business partners but the nasty people in Society can't stand that. Hence all the red tape to put them at each others throat.
From:
Michael Foley
06 October 2020 13:34 PM
There will be far less good tenants in future corrupted by regulators telling them to despise LL's all they can, even yesterday I see a big rant telling Tenants to complain about everything, then in Parliament as we speak making more anti-LL rules. Rishi, putting up taxes expected, disastrous mismanagement of Furlough nothing much said about it because everyone had their snout in the trough. All he had to say back then for the people & Companies in need was there is money available but its a loan and will need paying back sometime not a grant free for all, 2 Trillion £'s in debt, half the people wouldn't have applied & definitely didn't need it some couldn't believe their luck they got so much, one Trillion £'s wasted but not to worry hit the tax payer again keeping you all, you are getting close to the bottom of the well.
From:
Michael Foley
06 October 2020 08:44 AM
Those Schemes now existing in other Boroughs have done enormous damage apart from all the unnecessary costs which for the most parts are Councils / Government bureaucracy. I see 3 main issues straight away caused by regulations / Licensing that didn't exist before and caused by their interference directly and I can vouch for that. SUBLETTING, OVERCROWDING & ANTI-SOCIAL BEHAVIOR, those 3 issues virtually didn't exist before they caused them. Landlord control taken away & given to the Tenant + excluding the LL from the Property. Landlord restricted by HMO license as to the number of occupants who can reside at the Property. Then they said Tenants are allowed to have guests ? the Tenant then has all this extra empty space created to sub-let + over loading the existing rooms and causing over crowding. The over crowding is the biggest cause of Anti-Social behavior, and that's just for starters, but we must be fit & proper persons, now I have to go & do some actual work before I get sick on the key board..
From:
Michael Foley
05 October 2020 10:24 AM
Why would anyone want to be a LL with so many Rogue Regulators controlling everything none of them that includes all of them don't put a roof over anyone head, not pay or contribute anything Shelter included who made most of the anti-private LL Laws and were invited to Parliamentary select committee to advise Government but they don't supply any housing so why ask them ? when I go to the Butcher I ask the Butcher not the block. Local authorities have cost us billions of £'s most of the money went to them but never a penny of their own money and the only restriction put on them was not to make a profit, now that's some stipulation ? can I have a Contract like that please & waste all I like. My Property is still idle in no small way caused by Rogue regulators I has 2 lots that were interested and wanted to give me holding Deposit which I had to refuse because from 1st of June 2019 it was restricted by Shelter / 2019 Act. I can only take the equivalent to one weeks rent as holding Deposit. They were offering me more even insisting that I would take but not a hope so there is no holding Deposit anymore Mr Shelter and can't promise to hold it for anyone without a commitment that I am not allowed to have, think on, its obvious they are crippling us by every means and none of their business. OK so you expect me to place a encumbrance on my property and give virtual control to strangers on £800'000 property for a weeks rents very generous of you, lucky its not yours, even if I do let someone in eventually they are guaranteed by Government to have it for a year with owner having no say, its not Department of Social Science anymore, its Landlords Social Welfare, we are not equal before the Law we are now 3rd class citizens, Yours furious.
From:
Michael Foley
04 October 2020 20:51 PM
The biggest problem I see is Corporate Lets, they have hijacked the market for sure I have enquirers from them all the time, they are in direct opposition and competition to me grabbing the Tenants that would normally come to me. They don't own the properties in the main but rent the LL's property as a whole, then sub-let it out in rooms making as hefty profit and not bothered about the regulations the Council won't say a word to them, many Letting Agents are involved in this as well mostly the ones that closed their High St, Branches and now operating from Offices / Warehouses on line everything, that's why they went to Uni to learn how to stitch us up. They were hardly noticed until this year when flights stopped and Air BnB hit the buffers because that's what they were doing sub-letting LL's Property making double what they were paying LL. As I said before a Company came to me trying to get hold of my property & told me he had 46 properties this way, to me I recon he must have being making half a million pa, owing no property and no Mortgage yet under the radar. The change in market conditions meant they have switched to grabbing regular renters which some of them normally would come to me, This goes for Private households also they were doing Airbnb big time now they soon switched back to Lodgers again all taking away from us and everything that we have to comply with that they don't.
From:
Michael Foley
03 October 2020 17:51 PM
Another LL fined & banned I don't care what his name is or sounds like, again another half story as usual the Tenant Complained and Council jumps into action. Who made it over crowded very likely the Tenant, did LL force them to go-in there. Tenant did obviously like every other over crowded house or I am on a different Planet. As a LL does he have any instrument to reduce the the number of occupants ? no, why are Tenants above the Law and not required to comply with anything, why are Tenants not prosecuted for over crowding, although the Law will now apply to them like everyone else for breaches of corona quarantining maybe £1'000 / £10'000 but any breaches of Tenancies is applauded backed up by Council, Courts, Shelter, Generation rent, Citizens advice and everyone else that have no-input or provide any Housing. I am not sticking up for this LL but we are only ever told the big head line half a story, possibly another miss carriage of justice & video messages from other side of the world indeed, I hope there wasn't any collusion here if so its as bad forgery.
From:
Michael Foley
03 October 2020 10:06 AM
I don't think the young are frozen out of the market but have a great chance compared to the past if we want to talk about the past we have to keep thing in perspective. When I was young in the early 19 60's Houses were £2.5 / £3k in L'don, I was getting £ 15.00 take home pay so try buying the house on that after you paid for your room share, travel & feed yourself, its all relevant. A top trades person say Plumber, Electrician or a proper Carpenter for example was getting six and a penny halfpenny an hour (I suppose they'll need a calculator to work that out) and indeed they earned it. They usually made there own way to work with there own hand tools. There was no Electric tools whether saws or drills no such thing as cordless anything. I am glad I lived in a generation when we had to work and use our brains, no calculators we had the skills to plan, prepare and execute the job no problem. The trades people came with all the tools they needed usually in a box they had made themselves that they took pride in it and it looked like a suitcase. Today everyone has so many power tools they need a van to carry them around I won't bore you with the list the transformer is enough to weigh you down. Maybe more efficient now or not at all I remember back then a Carpenter would hang 8 doors in a day with an old penny joint all around proper workmanship, could they do this today not a hope ? just remember when you are ripping all those proper Houses apart the men that put them there were better that you. We had no Bank of Mam & Dad they had nothing themselves and we supported our parents, not other way around like now, no fast food, no Sky, Netflix, mobile phones, Computers, Credit Cards, ebikes no Internet of Course that's crippling the world doing away with the jobs that sustained the economy and go to Uni 10 years to learn it, which I remember is only to replace in the main what used to be the office job, of what used to be an poorly paid Clerk job, so now they are high & mighty in suits & shiny shoes jumped up up starts £60k / £70k remuneration, can any of them do a real job no, they just live off the backs of real workers who produce an end product. There was help to buy, Grants and loans free housing for the work shy or false Benefit Claimants with a load of children, people worked and save what they could and bought their home and didn't expect to be kept. There was no Obesity whatsoever in the 1960's if they are looking for a cure for Diabetics take a look back. Yes the young have it all & can't even be evicted either back then your case would be outside the door if you didn't pay your way.
From:
Michael Foley
30 September 2020 17:54 PM
So another LL fined £5k for over crowding when do we get the rest of the story. I can't have a view on this without knowing the facts. It has been raised before how many was on the Tenancy Agreement, who put the additional persons in there, did the LL get more rent for the extra people, when the Council served the prohibition on the LL did they give him an instrument to enforce it, what could he have done ask the occupants will you leave please that's not going to work is it, is this a classic case of the occupants presumable connected getting housed by the Council, no need for waiting lists priority straight away it would be worth their while them giving the LL £5k, they didn't tell us any of this, maybe that's why the fine is not higher although £5k is a lot of money especially if you were not on the wrong, maybe LL's should get the £170 victim surcharge who is the victim here.
From:
Michael Foley
30 September 2020 07:59 AM
Landlords are not helping their own situation by giving their property to so called Corporate Companies Lets, their is no such thing its a multi million pound scam. This is destroying us we can't find Tenants because they have them all gone by letting rooms in LL's property individually. They are not Proper Corporate companies as would have been the case in years gone by, when a company needed accommodation for their Staff. Those people just set up Ltd for the purpose no finance required isn't it wonderful for them, no loan or Mortgage required and LL's facilitate them harming our Business. Last year I had a guy come to me with this scam and he told me he had 46 properties this way, (I believe he was making half a Million £'s pa out of LL's and didn't need to own anything). Time to wake up I had 14 calls in a week from those kind people all purporting to be Corporate Lets, clearly they are not anyone can do this & they do probably from the Bedroom. LL's take note don't give them your property.
From:
Michael Foley
29 September 2020 15:44 PM
I second that 100% driving us out by any & every means Rogues. I have property that I can't let because of all the scams. The big one that's never mentioned on this Platform is Corporate Lets which are rampant in recent years and now more so than ever. They are Ltd just set up for this scam to operate R2R or is another way of sub-letting, they take LL property let it out in rooms or even shared rooms very handy for Council too, to off load some single sharers. What's all the Regulations about for us to comply with this that & the other including Right to rent when those people get hold of the property no one knows who is in there but LL is supposed to be responsible, thousands or those Ltd's hijacked our Business living off our backs also getting LL's Property off Letting Agents to facilitate the scam Authorities are happy as long as they are destroying us. Sigma Capital & EQT £1b venture to build 3'000 Rental Properties in L'don 361 starting now many in Ealing where there is already a glut, just drive us out by any means. Then to make matters worse we have a Housing Minister Christopher Pincher backing the Scheme with £50m of tax payers money as if they need it, just rubbing butter on the fat pigs bum. Please tell when we got anything from the Minister only penalties and fines, is there such a word as Discrimination ?.
From:
Michael Foley
29 September 2020 08:01 AM
Rent arrears not a hope we can whistle for that. I have a Tenant who owes me 4 months rent on a house (£6k) very reasonable rent. I understand he had a problem doing business on his ebay Account as he said pay pal had put a 2 months hold on his Account until September, for what ever reason, he said it was £18k and when he got it I would definitely get the rent. I understand he got his money but I didn't, now he has started to pay the normal rent again so the Arrears is forgotten about. Another house owes me £7k arrears, I believe they can't do it anyhow but at least pay some money every month, they all drink & smoke though ?, Governments interference didn't help, to their credit they keep the place nice I'II give them that. Seb' thinks we only put collateral into the Business if only, we are not all Asian if I am allowed to say, it far more than that we put our heart & soul into it and he assumes we are telling lies, not. About his Positive and always an negative he forgets we are not insulated don't forget the earth.
From:
Michael Foley
27 September 2020 12:34 PM
Its strange thousands of unwanted flats already, I keep getting massages from Developers offering more help & incentives all the time to buy, must be getting scary for them to but sure never mind just build 3'000 more anyway. All this talk about giving Tenants loans sounds like a great idea ? how do they pay it back. Pity Rishi Sunak didn't think of that when he was dishing out all those hundreds of Billions of £'s of tax payers money, not very prudent is he. He could have simply said Furlough (or some other fancy name that people weren't aware off before) is a loan designed to help out people and Businesses in a time of need and would have to be paid back, it would have stopped all the fraud / fiddling and money grabbing by people who didn't need or not entitled.
From:
Michael Foley
26 September 2020 15:31 PM
Mark. I currently have 6 properties in arrears 4 seriously, in your New World of rent controls ((previously I think you were saying rent freeze) does this mean I will be guaranteed to get my full rent money or will it be partial control upwards only.
From:
Michael Foley
26 September 2020 13:55 PM
The uk is in a terrible financial state caused in no small way by mismanagement by 3 clueless persons in charge of us whether it be Premier, Chancellor or Housing Secretary, throwing hundreds of billions or trillions away willy-nilly. Furlough disaster giving huge sums of money to Companies, individuals and self employed unnecessarily so. Suppose there was no Furlough people would have suffered a great deal but would have made do in the circumstances its not a famine, thousands would have also have died rip but probably not more than 40'000, people would woken up immediately took control of their lives and gone out of their way all over the Country to protect themselves and look out each other naturally no need for anyone to tell them. Just because the Government is looking after them, they don't care, have the money many can't believe their luck they got so much, then they do exactly opposite to what the Government tells them if they had to take the responsibility for themselves & others (or die) it wouldn't have happened so the trillions are wasted really. What now purports to be surveys of every kind some say 58% others say 70% to increase taxes by 10% for high earners, the participation's will be the usual non tax payers & false Benefit Claimants. I am already a 45% tax payer just for working 7 day's a week continuously for last 58 years since I left school, no free or further schooling for me but I am required to contribute & pay for everyone else. Trillion of pounds wasted bringing the UK to its knees by 3 individual who haven't a clue and born into riches or acquired it by spurious means.
From:
Michael Foley
26 September 2020 08:57 AM
There needs to be a web site where a LL can advertise his property directly to the Tenant, the placed is Plagued with web-sites putting you through third parties its rubbish, not their Property everyone has hijacked our business living off our backs putting us at risk. Huge amount of sub-letting Companies they want to take your property and let it out in rooms breaching every regulation, so many doing it all Digital Academics in suits & shiny shoes its ridiculous. For decades we were able to advertise just put an ad in the Evening News or Loot for that matter but not through third party.
From:
Michael Foley
24 September 2020 20:31 PM
Forget about Consultations there is no such thing they are just going through the motions, they call it a process. I attended 3 different so called consultations in one Borough years ago, everyone had their say but it didn't count for anything. A guy came from York to present the meetings based on what was called The Mayhew Report. He proceed to tell us what was coming-in and that's exactly what happened so there was no Consultation, incidentally the Borough paid £100k for this nonsense scam. I agree with Terry it's a money grab but I think she could have included the Housing secretary as well, (the 3 blind mice) no one that has any idea is in charge or they wouldn't have wasted Billions on furlough that's another story. I agree with Seb' we don't like our income going down, being robbed by Rogue Councils. We don't like our costs going-up, unfairly and by Statute that don't apply to other LL's who have not got to comply with anything, just one Fire door to kitchen, battery smoke alarm maybe change front door lock to thumb screw type or equivalent, a fraction of the many thousands of £'s we have to spend and anyone who thinks its just a license fee dream on. Many Businesses are forced to move with the times but we are the exception we are being forced out simple. It wouldn't be too bad if the Authorities weren't all in collusion that's the worst bit very sad, how can we have any confidence in them, when they see fit to behave like this. Plenty of cases the Tenant makes a complaint to Council they are delighted with this & prosecute the LL, the Magistrate gives a big fine then they divide the spoils between themselves, Court gets 12.5%, Council 37.5% and Gov' gets 50%. no wonder LL gets fined any time they want a few bob hit the LL again.
From:
Michael Foley
24 September 2020 14:27 PM
They want us out for sure they need our tenants to buy some of the thousands of over priced unwanted Flats to put them in trouble for the rest of their lives, after the first rung the next one is broken. Seb' says why make civil matters criminal which is right but he'll know already that's exactly what they have done to LL's in recent years, everything that used to be a Civil Matter for private renting was changed to Criminal Matter, just to criminalize LL's & give him a criminal record. I was just looking at my Notice Board in my vacant house today it a picture, HM0 Licence,Domestic Electrical Installation report, Cert'Fire detection / installation, commissioning, Emergency Lighting Periodic / Inspection test Cert', Energy Performance Certificate rating "c", Gas Certificate, my name & number, How t Rent, Right to Rent, ICO cert, LL accreditation Cert, LL electric competence Cert, and the house standing idle no wonder the Agent didn't want to touch it yesterday he said too many legal difficulties. Then if I can source some Tenants I have the cost & time to do all the checks about them or get an Agent to do it, (last time £395+vat = £474). Then I'll have the Tenancy Agreement as long as you arm, we'll forget all about the inventory & Deposit all too much, so they do want us out. The Benefit LL has a fraction of this, so we are all equal before the Law ?. I have an English Friend who has an Irish Black Dog.
From:
Michael Foley
23 September 2020 18:11 PM
I wonder if Cllr Heather Acton is feeling ok, she wants to see private housing better managed, strange that isn't it you have taken away all LL rights preventing him from managing or have any control over his property now you want to Fine him for not doing what's he is not allowed to do. It's about time the Government told Councils to run a Council how it should be run to promote & support Business not drive it into the ground, these days they only know penalties, penalties, penalties and nothing else, that goes for the Mayors office too.
From:
Michael Foley
23 September 2020 16:30 PM
Its very easy to solve illegal evictions just make it legal.
From:
Michael Foley
23 September 2020 15:35 PM
Yes but I have a different take on this. Lady Thatcher had a point with the poll tax it would have worked but for the people that never paid nothing didn't ever wanted to pay anything, a bit like the Benefit Claimants now, all went marching and got it scrapped because its all about them. I agree to having the ten paying the c/tax is far better as they are the end user of the services been provided to them but the bit that sticks in the throat is the reference about the ability to pay this just lets them off the hook again, they will have the poor mouth and probably be on Benefit once again pay nothing, tell them we don't owe them a living instead of sympathy for them all the time, we don't get any privileges only hammered ?.
From:
Michael Foley
22 September 2020 22:35 PM
OK well its very easy to say pay something on empty but no income being produced, no service been provided or Bins emptied. Where does the money come from ? but just pay it anyway, it's already costing enough with Insurances, standing charges, keeping it secure etc, it a liability already but Council are so smart they are thinking of doubling it. I think everyone should contribute not like the very un-fair system we have now. Two people say living in a House paying £2k c/tax very common, but if 6 /8 /10 live there probably Asians or Chinese as example only, they pay the same same as he 2, so several people are paying nothing while c/tax increases all the time its like a money tree, now we had 2% increase this year, another 2% Adult Social Care added on, huge percentage to GLA that we have no control over and waste it, so its fine for a huge number of the residence to pay nothing while having the same facility's &services provided to them for free as the couple paying the full c/tax of £2'000.00 pa, give me a break, nothing personal Paul.
From:
Michael Foley
22 September 2020 21:59 PM
I am against C/tax on empty property. I have empty property and paying c/tax on it but not by choice cant find Tenants, Can't advertise or market properly anymore because its all been hi-jacked by piggy in the middle internet preventing you from contacting the potential Tenant without going through them useless delaying , obstructing process, more useless Digital academics grabbing our business for themselves that's what the internet has done destroying the World. The place is infested with so called Corporate Letting Companies, just Companies by the thousands doing R2R subletting your house room by room. The Lodger business is well established for years behind closed doors housing 2-3 persons each, about 12 lots in my road alone but a stranger wouldn't ever suspect or the Revenue for that matter, so the £ 7'500 exemption is very handy for them, that will do nicely, they are well connected in high places which is why it was raised from £4'250 maybe they could give them another lift ?. I have to pay tax on every penny, + licensing / compliance of every kind it's disgusting .
From:
Michael Foley
22 September 2020 19:04 PM
Of Course there was never going to be a spike in evictions anyway so there was no need of messing around with the Law and now there is no Court system, now youngsters in Parliament changing rules every other day willy-nilly. A 38 year old thinks he knows best. I was a LL & built houses years before he was born now he sees fit to drive me out of business, maybe he ate too much at that dinner he paid 12'000 £ to attend.
From:
Michael Foley
22 September 2020 10:57 AM
Hi, I haven't become a victim yet anyhow but I am acutely aware of whats going on. Many of those R2R guys uses a Ltd company and also I know many letting Agents use them, as far as the customer is aware the Agent found them a Company Let and are content with that. However in essences its a rent 2 rent scam for sure but I suspect many LL don't know this and are unknowingly participating in the schemes.
From:
Michael Foley
21 September 2020 21:46 PM
R2R is fraudulent I had 5 such contacts today, it is so wide spread and come across it many times, one guy said in his message today he didn't want to waste his time or mine, he said he would take the house and sublet the rooms which was very noble of him, He wanted to rent my house make soft money illegally out of it, fantastic so he don't own the house or pay a Mortgage & if it goes wrong he can walk away + like the man said validate your Insurance. Last year a guy came to me trying to rent a Flat same thing, couldn't understand why I would not give it to him and told me he had 46 properties already this way. That's what the regulators have done to private sector housing putting us on the back foot completely.
From:
Michael Foley
21 September 2020 20:51 PM
We must not discriminate against benefit Tenants which I don't but I prefer working tenants as I have always worked myself but I don't ban them either. However sometimes I acquire them by default when they come they are working, then they realize and see their friends on the easy option and before you know it they are on it too, they are not stupid the system in specially made for them, now if they have to quarantine get £500 it looks like if you are stupid enough to work & to pay tax no support. HM0 licensing disaster which only applies to one half of the community its un-fair costly & total discrimination against LL's who prefer not to let to DSS which no doubt the majority of Family's are on benefit I never have a family come to me not on Benefit. I have a house vacant and today I was approached by an Agent wanting to let it but when he heard it's a Licensed HM0 he wasn't interested. I did know the Agent prior but he said HM0's are legally too difficult and wanted housing for Family's on benefit with is much easier for him and don't need to do all the checks., now then why is this not against the Law this is Discrimination and to make matters worse I never wanted to be a HM0 LL it was imposed on me at great cost,
From:
Michael Foley
21 September 2020 19:02 PM
Be aware everything that happens in the Capital first, whether it be Boom or Bust take note. Things seem still quiet good up north so Robert this is a golden opportunity to cash-in the chip, flog the port Folio immediately before the bottom falls out of the market, the difference is that loss could well cover your c/gains tax and before Gov' puts additional taxes in place to prevent you, they want to keep you there to be able to torture you in the future. I missed the boat I wanted to do it a few years ago but the first Lady wouldn't agree with me Bless Her. LL's like to sell one off each year but no time for that now. I know it will be against the grain and against everything you ever believed-in but this is the situation now facing you and was always going to happen due to unjust laws, even without Corona. I have been through about 5 recessions not like I haven't a clue as people might think and I told everyone in 2007 including my MP it was going belly up, everyone disagreed then but when it happened they turned around and said no one knew, that was only minor blip to whats coming.
From:
Michael Foley
21 September 2020 10:36 AM
Its amazing the Bigotry LL's has to endure from the low life. I think History will prove how much LL's were wronged, especially when we are not there anymore and I for one am so sorry for ever being a LL, what for to be blaguarded, bullied, taxed to the eye balls, continuously stresses, one sacrifice after another 7 day's a week & every evening /night & week end unpaid work in connection with the business, run after everyone fix this and that that shouldn't be broken, just to put a roof over other peoples heads many of whom never made a contribution to the treasury in their but are treated like kings. We don't supply a few grotty Flats at all but first class accommodation always have done which we bring to the market at no cost whatsoever to the Government imagine that, no special treatment for us and we are despised for that. I think those sponger supporters should wake up to reality before they find themselves on their own & no one left to live off. I pay several C/taxes, Licensing fees, compliance fee, multiple certificates of every kind, maintenance costs, goods replacement on going for ever, oh I nearly forgot I have to supply the property as well, so for doing all this we're hated, discriminated against, why has Government not supported us even once, while benefit claimant /false benefit are treated like high society.
From:
Michael Foley
20 September 2020 22:01 PM
Mark comment 24th Mar' for once I agree with him lower wages means lower rent or as has what happened now no rent but Sadiq Khan is so much out of touch he's on about not allowing rent rises for 2 years at a time its not achievable anyway. I see some has gas compliance access problem just like me. I recently notified the Tenant what day I would be coming with the Gas Engineer, they wanted to know what exact time which is not possible to give even the Engineer didn't know how long last job would take. We arrived at the property no reply for several minutes but was evident someone was there. I tried my key didn't work in Euro lock because a key was already in place from inside. However eventually a mature woman answered the door & said you can't come-in, but I said it has to be done, no she says you can't come-in, then the gas Engineer told her its a legal requirement eventually she relented. I didn't not know this woman, hadn't meet her before, not a Tenant, so is this what Government wants to be refused entry to your own House by a blank stranger, is it no wonder there is so much over crowding, sub-letting and property damage, just keep LL's out very important ?.
From:
Michael Foley
19 September 2020 11:37 AM
A second Court ruling to say NO DSS is unlawful, that's fine as sure as Hell you'll be paying, can we say no to working Tenants or would that be unlawful as well. Please don't forget to tell the Audit Commission to leave space in the debit column for the additional false claimants. Congrat's
From:
Michael Foley
18 September 2020 18:53 PM
Arrears un-recoverable is rent control, you can put what you like on the Contract and they sign up to it but if you don't have the ability to collect it, this is rent controlled.
From:
Michael Foley
17 September 2020 17:56 PM
Makes no difference how many more brain wave ideas you come up with, its rubbish and we are doomed anyway. Property not viable anymore you have collapsed the market we have property sitting empty with over supply and no takers, arrears stacking up while we pay service charges & c/tax on vacant property. Generation Rent might be happy but they don't understand it affects all property values incl' their own parents Home. Sadiq khan is destroying everything no control over him while a big portion of our c/tax at his disposal to waste & destroy us, now he is on about Rent Freeze is he mad or what planet is he on, does he not know we are not looking for a Rent increase but would love to get the Rent arrears that's owning to us, alas no hope of that. He over rules Council Planning system to Build more expensive un-wanted Flats so he wants rid of us the backbone of the Country to try & find occupiers for his overpriced high rise monstrosities. We need someone like Premier Lady Thatcher to sack the Mayors Office close it down just like GLC & County Hall.
From:
Michael Foley
17 September 2020 09:48 AM
I suppose we could survive on the land as well and be self sufficient, as our ancestors did for thousands of years, its second nature to us wouldn't have same constant stress & sacrifice as been a LL, then again that too has been destroyed with the educated clan whether it be chemicals, pesticides and technology. We could tackle a horse for sure but the guys on some building sites have more harness than a horse plenty of red tape there to.
From:
Michael Foley
16 September 2020 22:13 PM
Why do we need to educate ourselves far too late for that even if we were interested, we know what its all about just red tape to destroy us but keep us jumping through hoops in the mean time. 177 rules for us why not scrap 150 of those as its certainly nothing to do with quality affordable housing. Its all about computers that has destroyed the world but you are all too obsessed with your lap-tops & iphones to you know the difference, it now takes more time to deal with compliance red tape than to provide the property, even to make a phone call could take 2 hours well done, regulations should only be incidental to the main business, not the main issue or a bigger obstetrical than providing quality affordable property itself this is not sustainable. Perhaps one day we'll have a space storm knocking the Satellites, will you be equipped or remember what real work is, you certainly do not now, how will you cope when pressing your buttons or rubbing your fingers on a piece or glass don't work anymore. I built my first house by my own hand with only hand tools in Ealing 47 years ago, no hand out, grant, help to buy or build no family support possible & Dad rip, incidentally which I still have the house but now I have to educate myself to deal with all the crap from the digital Academic guys that gave 10 years going to University to learn how to muck everything-up, now living off our backs, congratulations.
From:
Michael Foley
16 September 2020 20:30 PM
Hamilton Fraser is a reputable Specialist Insurance provider for many types of policy's but especially for LL's of many years, also now incorporates / has Landlord Action (Paul Shamplina) as another arm of their services, so we better not knock them we need all the help we can get.
From:
Michael Foley
16 September 2020 13:02 PM
Arrears very serious now and climbing every month mostly forced upon us by government which makes no sense, if we get no rent then we can't pay tax on no rent so they mustn't care about shooting themselves in the foot it's madness. They love Tenant fraudsters & false benefit claimants, as per TV program last week, estimated over 100'000 Council Properties illegally sub-let or fraudulently obtained, imagine that and they set themselves up over us perhaps they should get their own house in order first. The Councils has back 1800 of their properties illegally occupied mostly in Southward I think and the disgusting state of some if private LL had it like this they would throw the book at him. I know its not the fault of the property but the occupants. The fraudsters were not prosecuted just told to hand back the keys and walk away. Council said the Court System would cost too much and take too long, there you go. So they know nothing will happen to them, and from my past observations if they were taking to Court regardless of how much they owe the worst case scenario is suspended sentence.
From:
Michael Foley
16 September 2020 11:17 AM
I think Housing Charities have a brass neck. The have virtually made all the Laws & rules for LL's in recent years, they are not Elected Representatives so why are making the Laws, hardly one has come-in without they being behind it. We haven't voted in years because of this yet I am required to Register to vote its pointless if its not Democratic. I now see another high rise of 500 + Flats are to Built in Hillington that had gone through all the consultations, everyone had their say and the community weren't happy so Council refused Planning, now the Mayor steps-in over rules them and has given the go ahead so what was all that about ?. I think Private LL's should have Charity Status because they actually supply Housing at no cost to the State, and why not remove the Status from Housing Charity's that don't supply any Housing it would make sense.
From:
Michael Foley
11 September 2020 15:14 PM
Its hard to understand why Government wants to force LL's into rent arrears it makes no economic sense. Whether a LL has a property paid for or not makes little difference since the introduction of S24 as LL can't off set the interest but must pay the full tax really. Therefore the Government is the main beneficiary of the rental income as there is no cost on them. The way I see it I have a House vacant for months now mainly due to anti-LL regulations making everything more impossible for the LL, also making it more difficult to let & comply. I do pay c/tax on the empty property without the income and there is talk of doubling it, in which case so be it. I am a 40% + tax payer so every month the House is vacant Gov' lose £800.00, do the mutton heads that control us not understand this at a time the Gov' is strapped for cash. Mark, huge loss of revenue on income, this is the unforeseen consequences of Government actions, now you know what I see.
From:
Michael Foley
09 September 2020 21:23 PM
Significant fall in rents & living costs in London. I agree it's Free.
From:
Michael Foley
07 September 2020 10:12 AM
Knowledge what knowledge ?, are we supposed to pay for, is it all this Computer crap they dream up for the sake of destroying us. We have been doing it for decades now they want us to learn how to do it, good that isn't it. Although I have done several Courses in recent years for Accreditation & to collect Points costing me hundreds of £'s and for what, all rubbish I had been doing it for 40 years before that, its not about housing anymore just red tape / fodder for free loaders Digital Academics to take over.
From:
Michael Foley
06 September 2020 08:15 AM
More hi-tech Digital Academics companies living off our backs telling us how everything should be to suit them but its not their property. So they are very excited about the future of letting that can only be about how much they can screw us for, they won't be doing anything other than playing with their buttons. LL's & Tenants alike are not excited but depressed with all this unnecessary interference driving wedges between LL & Tenant, divide and conquer causing mayhem. Talking about modernizing the sector then scrap HM0's that has driven lettings back to 1960's bed-sits, its madness planking all strangers into together sharing same facilities. Tenants should have more rights & Security that's fine buy your own you will soon learn lenders are not a soft option like Private LL's, you will not mess them around and good luck with your 35 year Mortgages. The New Normal is stuff the LL.
From:
Michael Foley
05 September 2020 10:40 AM
They will not accept me either, we have lost all control over our business, simply it's been hi-jacked we are the main participants, owners and providers of private housing, now excluded from our own business its some farce, many things has happened to me in 42 years a LL but this is low.
From:
Michael Foley
03 September 2020 17:30 PM
Mr Robert Jenrick why are you making all anti-LL laws, is it because you are too young for the job or is it that you haven't a clue where have you been all those years while we struggled to survive & build up a Business, you destroy it at a stroke just like Rishi Sunack or Boris Johnston who have made a complete mess of the economy, a law all to themselves, they personally won't have any money worries, unlike Landlords or Tenants. We do our best to work together and were doing so until your interference, still you insist on driving the wedge in further, we see our Tenants as our business.partners not the enemies you have gone out of your way to create.
From:
Michael Foley
03 September 2020 12:44 PM
There is no cake, there is no system its dysfunctional.
From:
Michael Foley
02 September 2020 20:00 PM
They are all great at telling us what we should be doing. I suppose they are still wet behind the ears just like the Children running Government born into riches with a silver spoon in their mouth, wasting trillions that we haven't got, total mismanagement driving the Country into the ground & us with it. To incorporate they tell us now best thing since sliced bread because of Stamp Duty temporary reduction on some price bracket Properties, they must think we are right amadain's or have very short memories indeed. George Osborne doubled SD on private LL just a few years ago which was outrageous, now they turn around and half it partly temporarily and it' supposed to be doing us a great big favor, now we have taken on the roll of DSS as well aren't we wonderful people
From:
Michael Foley
01 September 2020 20:56 PM
They'll shoot themselves in the foot again, wasted Billions on Furlough unnecessarily badly thought out and panic, giving huge sums to Companies & individuals alike, some didn't need it, others milked it, some couldn't believe how much they got sometimes for nothing, others took it & ran so they won't be opening their business again. The same eat out mismanagement more billions wasted supposedly to help the recover business, how silly, I was in a participating restaurant and got charged full on the Wednesday when it should be half. I paid & said nothing because I was in company & paying didn't want to make seen. So I expect them to collect another 50% for Gov' for nothing and how many others doing it or just keep clicking the till roll, its a gift designed for extortion. 2 Trillion in debt all of a sudden now want us to pay more taxes for their cock-ups and cripple what business is left. They are eyeing up CGT for a hike to 40%, no inflation relief, indexation or taper another silly idea obviously will not work, people can't sell and take a hit like that, this will stall the market completely, they'll have to wait until we die. Wrong people in charge Mr Hammond knew better than his successors but Premier sacked Government so what can we expect.
From:
Michael Foley
30 August 2020 20:02 PM
Seb' don't know why the disparity or can't see any reason why Islington should be so much more expensive or any different to where my House is in Ealing (the Queen of the Boroughs) not much to choose between the two to my mind and I used to live in N4 & N8. North L'don v West Lon'don not much in it. I have no doubt my example is not the exception but rather common place, perhaps the Islington scenario is the exception instead of the norm, incidentally mine is modern, built by me in my younger day's, newly refurbished, fully furnished 5 doubles' 2 bath rooms very large lounge / living room, garden, off street parking, central location for half of your Islington price, give us a break.
From:
Michael Foley
30 August 2020 17:05 PM
I don't understand all this about un-affordable rent or why government is deliberately creating arrears with guaranteed 6 months extra stay whether you pay or not and they are not. I have a 5 bed house vacant licensed for 7 previously let for £2'200 pm. I was unable to continue because of all the noise, loud music, drinking & complaints probably because they had cheap rent. So £2'200 x 12 = £26'400 pa divided by 7 persons = £3'771. ea, pa, divided by 365 days = £10.33 per day, the London living rate is £10.75 per hour I think, so not even one hour per day to pay the rent. I believe they had it cheaper than this because of so called guests that Regulators made LL's powerless to do anything about. The Media wants people to believe that half their wages goes on rent ??
From:
Michael Foley
30 August 2020 09:52 AM
What chance have we got there is no shortage of housing. I have property vacant & can't find Tenants yet we have a London Radio Station continuing to keep burping about shortage, even last night a full hour of nonsense egged on by the presenter that think he knows all, talk over everyone, people phoning-in agreeing with him, they are very good at talking but that's their limit. There a 52 acre site in Acton with new Flats mainly, which is under construction for years and phased selling as they go but it was well finished before Corona and still 40% unsold imagine that, they have all this Government support, free loans, help to buy / no SDLT etc corrupting the market, still can't shift them, never mind keep Building although you can't sell what you have, its the sheep going through the hole in the wire Syndrome.
From:
Michael Foley
28 August 2020 16:50 PM
It is a tax trap to destroy us any way they can, they can't make up their minds how much to stitch us up for, why not same for everyone. Is it 10% or 20% for shares or 18% or 28% for property for some LL's soon to be 40% so you think it's not a problem, even though we are already taxed to the eye balls from every scam they have incl' c/tax on empty property, licensing of every kind and is the gain just inflation we are taxed on. Although I would agree with retired agent, it not a problem for you if you don't pay tax, let us do the worrying & the paying.
From:
Michael Foley
27 August 2020 11:16 AM
I agree many buildings of the 60's weren't good, so why did it happen again in 2010's + with glass & plaster board / studding everywhere, no architectural design or detail features, just square plain square buildings, uninteresting buildings many covered with zinc sheeting like a cattle shed or worse still plastic cladding etc, but like Paul said when we don't learn from history we have to learn it again.
From:
Michael Foley
27 August 2020 10:34 AM
They talk about pent-up demand but in reality we know its pent-up sales with Landlords trying to get out of the mire, the lucky ones sold last year. The Stamp Duty reduction will help some to find a buyer in some price bracket properties and leave the market unfortunately the Capital Gains Trap awaits.
From:
Michael Foley
27 August 2020 09:46 AM
Are we heading back to the 1960's when it was nearly impossible to get somewhere to rent because if you let anyone in they immediately became a sitting Tenant a bit like now, so that didn't work very well did it which is why the Laws had to change, short memories or maybe you weren't born & have to relearn again the hard way, a bit like the Recessions that comes around every so often as another generation comes on the seen & it has to happen to them before they believe it, broadly we humans are stupid.
From:
Michael Foley
26 August 2020 20:49 PM
Seb' you are very rude by if my Auntie had those she would be a man woman and fit very well in today's Society.
From:
Michael Foley
26 August 2020 20:28 PM
Mark are you feeling ok. Private rented Sector is a business and provides quality homes for millions. whether it can remain affordable is a different matter due to Gov' & every local Authority loading costs, taxes, regulations , penalties,licensing at every opportunity bleeding the sector dry then complain about affordability of private rented sector. I have always classed it as a business and not speculation, if I had been a speculator I would have scores or properties by now after 42 years a LL and your comments about the soft money we had, please tell me when did I get this ? I certainly never seen it, if the lender didn't take it the the Tax man did or local Authority did or anyone else as long as I didn't end up with it it was fine. The billions of £'s we pay in taxes to the revenue needs to be taken on board which keeps the Benefit Claimants afloat + the benefit LL's many of both despise us but if none of you are putting in the pot what will happen when we are gone. Supposing the Gov' cuts or refuses to pay Benefit will you be first in the queue Mark to keep Tenants for free like many of us are doing now. Some people live in cloud cuckoo land.
From:
Michael Foley
26 August 2020 15:09 PM
Our generation is right & the sacrifices we made, I would rather not think about living in a caravan having done that all those years ago when I lived in one for 6 months in Winter, away from home to follow the work in Lincolnshire by the Wash near Boston. The cold was unbelievable, no hot water or central heating just a small coal fire about one ft cube, that burned out about 12.30 am & by the time it got to 4.00 am you knew all about it, you wouldn't see me I was under the bed covers to survive. I always worked hard, never smoked, saved every penny that I could usually half my wages but now so many wants everything for free, if Tenant don't have hot water now the LL would probably get fined, they expect without input, half the UK over weight from soft living (big belly Britain). I don't think it right that several are living off me for free with Parliament & every lame duck Charity backing them I earned my living and never drew Benefit.
From:
Michael Foley
25 August 2020 20:29 PM
The Law is the Law but its one-sided, so its not justice and we can't have any confidence in it whatsoever, what ever happened to the scales of justice. Regarding Section 21 it was the best thing ever for Tenants, many pushed for this and often approached the LL for backing, as soon as they got s21 Court order they were guaranteed to get council Housing. Why the government ever made such a stupid Law, it's beyond me they made a rod for their own back. The Gov' now wants everyone to believe its the LL fault and wants to get rid of everyone which is not true, its the Government that wants to scrap s21 to prevent people turning up at Council offices all the time to be housed, so why didn't they change the Law so they wouldn't necessarily have a legal duty to automatically house those people who are corrupting the system, it seems very simple to me, they have no qualms about making Laws for us every 5 minutes and their fake rent holiday which done enormous damage & pointless causing arrears, as we couldn't get rid of them anyhow always assuming we wanted to, which we didn't just more media hype. I currently have property idle & can't find Tenants, can someone please throw a few Tenants-in, instead of out. Many thanks.
From:
Michael Foley
24 August 2020 17:09 PM
HM0 should never been brought in, the Prescott Act, to divide Society and if you contribute nothing to exchequer everything is free as reward. my elderly wife now required to pay TV licence just because she is a good tax payer but if milking the system everything is fine & free. So Knight Frank thinks getting the Deposit is the biggest problem for potential buyers, really that's only the start of their troubles, by the time they have the Mortgage paid for they'll know how insignificant the deposit was.
From:
Michael Foley
18 August 2020 21:43 PM
I can't understand what's all this about shortage of housing when there isn't any. There maybe a big long waiting list on Council which is normal when they don't want to pay market rents, they are not stupid why buy a cow when the milk is free & better still when housing is free draining the Countries finances and clobbering the tax payer but they are king with the LA. I suppose we all know what's going on so Gov' must know since they caused it with soft option Benefit System for women with children and supposedly no partner but the partner is there for sure. I see a women from over Seas in UK for few years now has child, gets £1600 pm, but the partner is there in full employment renting house £1550 pm (Used to rent flat but house better option) also have 2 rooms let netting £1100 pm this is no isolated case we have eyes & ears. Another one rents 3 doors from elderly father who lives on his own in Semi- with 2 story side ext' + back ext' just because if she lived at home she couldn't claim as much Benefit not another isolated case at all. Rent Controls what would be the purpose of this in L'don when most of my properties are already in arrears, there is such a thing as supply & demand but demand is not good, we are also required to do reference checks which is expensive / £24.50 through LL organisations or through Letting Agents £75.00 per person, then it comes back they can't pass the checks but we still takes them so whats the point do Regulators want to see them homeless, forget about surveys if you want feed back I have plenty. Research, Steering Groups and Recommendations can they not find a job and earn their living and get off our backs.
From:
Michael Foley
16 August 2020 20:32 PM
Why would we buy when we can't rent what we have. They have been chipping away at us for years until they destroyed us and themselves, caused recession which was always going to be the outcome regardless of Corona. Who are they going to attack next they certainly won't be doing anything productive themselves, they life revolves around knocking others as a cover of how useless they are themselves. Building thousands of Flats, over priced, clearly not required but it is understandable to buy time to stop the economy collapsing altogether and Developers from going bust leaving Buildings / Blocks of Flats half finished all over the place, with so many job losses how can anyone buy them not alone pay rent. Government had no option other than proceed to try and tie things over short term anyhow.
From:
Michael Foley
14 August 2020 20:25 PM
Perhaps we could have a Public National Register for all DSS claimants to be fair to the tax payer.
From:
Michael Foley
06 August 2020 20:11 PM
David so you have a good DSS Tenant & I should think so if I was living for free I would be a model Tenant instead of working 7 days a week paying taxes to keep them. I had an Agent approach me today to place a DSS Family but no husband he's over seas, or course I don't believe that he's probably around the corner waiting to get in. National Register for all rental properties I would agree with but only if there was a National Register for all tax payers Accounts of every kind, then you will see what your neighbour is not declaring. Licensing Schemes I don't agree with especially for houses that don't let rooms & anyway why are Family's exempt usually on DSS and over crowded & speaking as a LL that has all properties licensed most since 2006 + re-licensed every 5 years at huge costs to me with no benefit whatsoever just more encumbrances, HM0 LL letting Rooms for most part is a big energy looser, so your green deals are not much good when Electric Bills are far higher than they should be & as with Gas often double just because LL pays for it,. I have seen heating on winter & Summer the same, just open windows if too hot & take delight that its costing the LL.
From:
Michael Foley
06 August 2020 18:57 PM
There is a lot of truth in the above comments. I haven't used an Agent for years until now because of regulations requirements impossible to cope with by on-line everything and to my loss. I am not a Digital Academic therefore cannot comply, it like everything has been taken away from me, so none of on line is anything to do with quality affordable Housing just re-inventing another way of doing administration so we can't do it although I never met a Digital Academic that could physically do anything that we have been for decades / Bull Sugar collapsing the World. Too many Letting Property or to my mind is it too much property to-let. I have had so many vacant even 4 recently & some still are while I pay the C/tax & this year increased by 3.9% Because Council said they need funds, so hit me again & no one to fund me. One example semi - Property Tenant couldn't pay full so paid half for 2 months, then went back to Home-land, then vacant 2 months before Agent found someone, so 2 half months = 1 month loss + 2 months vacant + Agents fee & hundreds of £'s VAT on the let cost more than a month rent, therefore 4 months loss = to one third of a year gone in the wind, really do you want me to tell you more but hit the LL, don't worry it will get worse just keep Building Thousands of Flats Clearly not required.
From:
Michael Foley
30 July 2020 21:49 PM
Another Rogue Councillor not fit for Office and should resign immediately, it couldn't be plainer total Discrimination against private LL's. Encouraging residents to call 101 about any suspected activity to make trouble for LL's but not offering the same service to LL's when Tenants are unruly, damaging the Property & over crowding the Property to the rafters, no action against occupants, so its a blatant one sided attack on LL's whats worse in my view is involving The Police undermining the credibility of the force who are there to treat everyone equal, shame on you. Why do Councils only ever refer to private LL's as Rogue Landlords ?, do they not know we have been supplying Quality affordable Property to the Private rented Sector for decades while Councils were busy destroying Public Sector Housing when they could do no more damage there they moved on to us. Virtually everything that's wrong with Private Sector Housing was caused by Council / Rogue Regulators including making rents affordable driving costs through the roof with no financial input of their own congratulations.
From:
Michael Foley
27 July 2020 20:27 PM
Everyone is very good at telling us what to do while we fund everything. Why don't Step Change & Generation Rent house the people for free so, just put your money where your mouth is or keep shut.
From:
Michael Foley
25 July 2020 22:03 PM
I agree with Mark no one cares about us small private LL's, we are in decline and the demise of small private LL's due to Society moving on the Social Welfare freebie's for all spongers and of course King of them all is the big fat Benefit LL's getting everything for nothing. I even seen today my local Council offering £5'000. grant to refurbish if I let to them and give me back my HMO licensing moneys, level playing field please rocky road ahead when you realize we are not there anymore funding your free life style.
From:
Michael Foley
21 July 2020 21:48 PM
Thousands of Vulnerable Landlords faced with Bankruptcy but but no Support from Shelter and what do Shelter mean by £1200 of a gap between LHA rate & rents, is it a month or a year or what it makes no sense to me. I think Council pays very good money that I can't achieve privately and with 80% of my Tenants now in arrears mainly due to what Government said, probably never again will want to pay full rent, where as people on Benefits are immune, only people that work & pay tax have a problem and at least the Benefit LL's are getting the money no wonder they are so full of themselves.
From:
Michael Foley
19 July 2020 21:54 PM
Most DSS are false claimants for sure Council are not concerned about that, how could it be illegal not to Rent to an illegal Claimant.
From:
Michael Foley
16 July 2020 20:17 PM
I cannot believe how some people think, a big bung for buy to let LL's really are you mad ?. There is still 3% Stamp Duty Land Tax on buy to let property which is far more than traditional taxation on Property, why can't we be treated like everyone else, the 3% example on £500k is still £15k SD on that which second home buyer has to pay, so no bung for LL's / second home buyers but £15k bung for revenue, we can do without people doing us favors like this.
From:
Michael Foley
13 July 2020 21:30 PM
Building more Flats clearly not required, too many already, where are the people living now, Concrete Frame high rise to maximize profit for big Developer & freeze out traditional LL's. The Stamp Duty Holiday cuts no ice with me, why can't we be treated the same as everyone else, its still a huge amount, so if you buy a Flat in Acton probably £500k you certainly won't get a house for it. So called SD holiday still £15k up front + other costs that's your first years income gone assuming you get it with so much rent arrears. Where do you get the the money to service the loan on the purchase as its already gone, suppose you are in trouble after a year & have to sell the new buyer is going to knock you for the SD again because he'll have to pay it again, that will be double you lost (30k) just like that, forget about capital growth that's history. I remember buying in years gone by, no SD on 125k then i% on next 125k then 3% on next 250k, still a fraction of the £15'000k favour they are supposed to be giving us now, no thanks I will not buy anything whether its £30k or £15k penalty dead money up front.
From:
Michael Foley
10 July 2020 18:59 PM
They want Tenant & Landlord to work together which is what we always have done and is fine. A pity Shelter, Government, Local Authorities, laws, Regulators, Generation rent etc, have spent so many years driving a wedge between us.
From:
Michael Foley
03 July 2020 18:22 PM
No Peter we are not better off than 5 years ago & worse off than we were 40 years ago, where have you being do you not know about a whole raft of anti-LL regulations adding costs whole sale designed to drive us out. Taking away our 10% wear & tear allowance that was there as long as letting it self, De-regulation Act & its implications, Rogue 'How to Rent' literature as if people didn't know by Shelter that supplies no Housing, 'Right to rent' cost and incumbrance our free or unpaid time means nothing to them, licensing schemes, fines , Penalties, banning orders, Section 24 tax grab, Super Stamp Duty Land Tax, Super Capital gains tax, Section 21 undermined & rocking. Peter please tell me where is my 12% advantage, I pay 40% on most and 60% on part as they taken away my personal allowance but the people that don't work so hard are rewarded with £12k pa, tax free to encourage them to do less and the millions that milk the system get Housed & kept for free. The more you are prepared to work the more you are penalized, the less you do the more you are rewarded, should it not be other way around.
From:
Michael Foley
30 June 2020 21:22 PM
Good By
From:
Michael Foley
28 June 2020 09:37 AM
Cllr Paul Smith should resign for come out with one-sided statements like that he is not fit for office. How can a Councillor be so one sided, telling tenants to come forward & assert their rights and Council is dedicated to assisting them. Why don't he offer the same assistance to LL's and help assert our rights against Tenants ?, sorry I forgot he couldn't do that as we don't have any rights, so why is he in a job to discriminate solely against LL's, this is not fair or Justice no wonder people are loosing respect for the law.
From:
Michael Foley
26 June 2020 21:14 PM
Disgraceful behavior by First Tier tribunal just another nail in Private LL's coffin, obviously a one-sided law.
From:
Michael Foley
25 June 2020 19:34 PM
Serious Rent arrears now, this is worst in 42 years a LL & I was there well before any Section 21 or 1988 act. I have been through about 5 recessions but never before did I have Rent arrears by Statute.
From:
Michael Foley
25 June 2020 04:23 AM
I know some of my Tenants went home because of Corona. However their belongings still occupied the property & I am not allowed to touch anyway, some paid some money while others didn't and like a mug I paid C/tax on some even Broad Band on others because of the tenants position they Companies wouldn't give it to them I was supposed to get reimbursed but that's not happening either. I suppose it doesn't matter what they do anymore they have finished London off, 20 mph is enough to crash any Town how would you ever get anywhere, Emissions Charge £12.50 pd, + Congestion Charge £15.00 pd 7 days a week + outrageous Parking Charges, so they want us to cycle or walk is this for leisure it certainly not for working unless you are a button presser like the Digital Academics making the rules for us, if you are going to do a job of work what can you bring on the Bicycle for god sake morans.
From:
Michael Foley
22 June 2020 19:48 PM
Another one sided blog so you say 1.9m people are paying for accommodation they are not using and I don't believe you ?. Maybe it should read 1.9m people using accommodation that they are not paying for & I have plenty of those owing me many thousands serious money. I have to pay for everything in relation to all the property including HMO licensing, Insurance, finance and a whole raft of Regulations.
From:
Michael Foley
22 June 2020 16:48 PM
Yes its all so simple for mostly Asian digital Academics making all the rules running the Uk administration mainly, but never actually doing any work themselves if you keep us tied to the desk how can the property be compliant, maybe the property fixes it self, sorry but I don't have anymore free unpaid time left in my life.
From:
Michael Foley
20 June 2020 15:11 PM
I think David was asking who is HBSC which don't immediately spring to mind but if run by Ms Kate Faulkner she knows Property inside out and been on the circuit / events for years & years away back even when she had long hair. She used to be promoting a large chain of letting agents long ago and more recently wrote a book with Mr Paul Shamplina of LL action, ( The Landlords Friend its on Amazon).
From:
Michael Foley
14 June 2020 19:10 PM
Honestly how can it be the same when there is too much rent short fall in London that will never be recovered. We can't keep absorbing those losses at a time when Government & Local Authorities are robbing us blind with no input of there own, why at least don't Councils who want all those HM0 Licensing schemes pay for their own administration, no wonder they want them when there is no cost on them only charge anything they like & rub their hands in glee for making a mess. Deferment of tax for 31-7-20 by HMRC & pay later is a mad idea, if you are struggling to pay now how the hell are you going to pay double come 31-1-21, its just giving people the opportunity to spend the tax money they should have paid on 31-07-20. I suppose its not surprising when they are currently throwing away Billions of £'s away with furlough and various schemes to people that should not be getting it, do they not really know whats going on, no it wont be the same after Corona because even before this it could not continue the way it was going without a collapse, stupid policy's and unfair taxes to favor some and destroy others.
From:
Michael Foley
12 June 2020 13:59 PM
Boiler Plan. Should survey the crap modern Boilers that are virtually guaranteed to break down, official say 1 in 3 in winter and keep their nose out of LL & Tenant business, how many more for the band wagon. Boilers used to be so reliable in the 60' 70' 80' 90' 2000' & 2010 now not reliable, so its taken all this Technology, Printed Circuit Boards, Condensing tanks, Flow switches, Water Sensors, Heat sensors, Diverter valves etc, etc, to really muck it up, now we need loads of specialist so called registered engineers. Companies with fleets of vans all over Town to try to keep them going at enormous cost to LL's & house holders alike. In years gone by just vacuum them out yourself & a bottle brush to clean between the heat exchanger once a year, maybe replace the odd thermocouple every 5 or 7 years, now we are not allowed to remove the cover but we could show the engineer how to do it before he damages it. I think they have tried to reinvent the wheel but this time its square. Boiler Plan keep to your own lucrative business although I know you have plenty of time to mess us about with your blank cheque book.
From:
Michael Foley
11 June 2020 12:25 PM
With careful Choice of Tenants and due diligence etc, when you have done all your cherry picking who's going to house the masses only mugs like me.
From:
Michael Foley
10 June 2020 16:53 PM
Ray Sutton go Hell.
From:
Michael Foley
09 June 2020 21:14 PM
So Ms Tulip Siddiq M.P. wants to extend ban on evictions to allow them to continue living free while owing me thousands & thousands of pounds. They are all so high & mighty with no input whatsoever taking delight in driving us out. How much more do they want for free?. I think they are in for a shock down the line when they find they can no longer live on our money, (some tulip).
From:
Michael Foley
07 June 2020 21:50 PM
I think you need to do much more research, the people doing the research are not LL's just more people in suits. I know its far worse than 1 in 5 or in my case 4 in 5 wont cover it, only 2 lots up to date one lot NHS workers & other on Benefit, all others pay reduced amount I suspect in some cases because of Government interference, some are paying 50% of the rent, others paying nothing needless to say its now serious arrears about £17k & rising fast. I think the self-employed are the worst hit as work stopped over night. I think they will get used to the idea of not paying full rent a slippery slope indeed and some have said to me you'll be alright they have this mad idea that I will be getting Government money as if. I think your Digital Academics for Telegraph Money needs to think again.
From:
Michael Foley
03 June 2020 19:57 PM
Further interference by Government to do as much damage as possible to Private sector housing. Housing Secretory Mr Robert Jenrick announces he is going to force LL's to accept, does he not know some tenants are like animals themselves and haven't we already too much to cope with following continuous interference and constantly battering, this is more of the same rubbish. I can't understand why he is Housing Secretary or even in House of Commons unless as a tea boy. He says he is going to revise the Model Tenancy Contract to reflect this change, does he not know this Tenancy Agreement is unworkable & should be confined to the dust bin, 45 pages of nonsense that cannot be used, is there not anyone left in Government that have a clue about anything other than helping Big Developers to make a killing, filling their pockets, while driving out Private LL's . I suppose we were all born equal & that's where it ended super taxes for us,super Stamp Duty + a Mountain of Regulations, no problem for big developers every concession under the Sun to Build stupid Flat not required to destroy traditional private LL's + for their green horn buyers roping them in with small Deposits, half the money interest free for 5 years and no Stamp Duty at all whatsoever. This is not a level playing field just collusion & corruption on a massive scale, shame on you.
From:
Michael Foley
02 June 2020 17:59 PM
LL fined £20k no surprise just soft money for Council, they are all at it. They have no input whatsoever and each time clapping themselves on the the back about how good they are and they wont tolerate it. The fines are so high which means there is no cap. Hounslow Council now having what they call a consultation about licensing as if it were true. I seen it all before years back in west London, a guy came from York and told us what was coming at three different venues, that's not a consultation, he got paid £100k from Council for that and when a member of the Public asked specific questions about parts of the Borough it was clear he didn't know. Before Licensing there was no overcrowding or sub-letting which is a by-product of the Schemes. Landlord restricted to 4 /5 persons by license, then Tenants have all this spare capacity and fill it up knowing the law doesn't apply to them.
From:
Michael Foley
31 May 2020 18:50 PM
No surprise how much they fall with Gov' telling them not to pay , so many encumbrances, additional costs, A load of paper work placed upon us, penalties, Licensing, taxes + 3% extra SD, s24, no Deposits for me since Shelter took away in 2007, De-regulation Act, Rent Holiday, s21 rocking. Building Thousands of Flats clearly not required, not suitable & with Gov' blessing, perhaps a good time to invest in a wrecking ball.
From:
Michael Foley
29 May 2020 19:54 PM
I am amused by the idea suggested of having an honest conservation with your tenant, it takes 2 to have a conservation so when the tenant decides not to communicate end of that. The damage was done when we were interfered with / 3 months holiday, when they get 3 months free rent the disease sets-in, just like the Benefit System if they go on it never wants to give it up. The Tenants will play around for extra months after the 3 months holiday is up knowing we can do nothing, then probably move on if we are lucky to another misfortunate LL who has also being caught for rent but he will take them because he is a desperate situation.
From:
Michael Foley
27 May 2020 18:31 PM
I have used Oyez Tenancy agreements in the past, no problem to read only 4 pages so everyone could cope with that, now more pages been added making it difficult because of rubbish regulations. DCLG has what they call a modern simple Tenancy Agreement, 45 pages on its own how mad is that, what Planet are those guys on ? are they for real, how can any potential tenant be expected to read that, the people that produced this in this format must be simple themselves. Do they not know that we have already 50 other pages imposed on us in recent years to deal with as well / never ending. I know it doesn't matter for the Tenant whether they read it or not, Statute makes sure that there if nothing adverse in there to worry about for the Tenant or if they conform or not so why bother.
From:
Michael Foley
25 May 2020 12:19 PM
Government & Councils out to destroy private sector housing for sure as everything they have done is anti, if in London or South East not a chance because they have this mad idea everyone is loaded based on nothing. As was trashed out on this platform before you are better off buying in other parts of the Country than in London, say buying a house for £200k in other parts of UK and renting it out for £875.00 pm x 12 = £10'500 pa so you could buy 3 for the price of one in West L'don - £600k with an income of £31'500 pa. Say buy your House in L'don or outskirts for £600k renting it out for £1'750 pm = £21k pa so you are £10'500 worse off every year for similar investment. Plus many other factors like if one property didn't pay you the rent at least the other 2 might which is very likely to happen those days, plus another huge disadvantage is the Stamp Duty Land Tax difference. The SD on the the 3 individual purchases of £200k each would be £7'500 each x 3 = £22'500 as apposed to your single purchase of the one property for £600k attracting a SD of £38'000. so again you loose out big time paying the difference of £15'500 extra for nothing, add that to the £10'500 rent short fall = £26'000 you loose in year one and the after rent short fall on going £10'500. pa, how many years to catch up ? never the gap just widens we are some mugs, (and don't get me started on licensing Schemes).
From:
Michael Foley
24 May 2020 12:09 PM
Inspections or not is no difference if the place is like a tip it's the way they have it, have free rains to live like swines don't care and know we can't do anything about it, due to rogue Regulators making us powerless to do anything as you all know. However, the neighbors are very good at reporting not to me but to Council & Police who have visited more than once, sending me threatening letters that their team will be visiting to see if I am a fit & proper person as they say, I am the responsible person, good that isn't we have new justice system its the person that didn't commit the crime gets punished, just as well most Tenants are fine if not its open season. Don't worry there a long road ahead of you its takes me 42 years to become an un-fit & proper person.
From:
Michael Foley
22 May 2020 08:33 AM
Seb' its past your bed time after 12.00, can you not sleep or do you not have to get up in the morning.
From:
Michael Foley
21 May 2020 09:30 AM
Hi Mr Mark Wilson. Re: your comment 17th March you say that you are standing back looking at reality. That's no way to look at reality standing back indeed, get in there in the middle of it and offer free rent if you have a back bone. Benefit LL are scroungers like the people they House living off the tax payer whether they be fellow LL or their Tenants paying taxes to keep them all, then more than willing to taking a swipe at us at every opportunity, even though their money is guaranteed by us for them doing nothing and in the main are exempt from HM0 license or other regulations, no need to worry about Corona their money is still coming, no need to furlough, so spongers keep your snidy remarks to yourselves or pay the piper.
From:
Michael Foley
20 May 2020 18:37 PM
Hi Steve, Freehold is king with Flats you are trying to absorb the Service Charge & ground rent in the rent costing you minimum £100. to £130. pm making your rent look expensive, you never know when the scaffolding is likely go up hitting you for thousands of £'s. Builders have an attitude if cost is shared they can charge what they like. Regarding buying out of London your figures shows it all, so you could buy 3 freehold 3 bed properties for less than one semi-detached in West London but your return is much greater, £875 pm x 12 = £10'500 pa x 3 = £31'500 pa as apposed to your one Semi in London £21'k pa, so we are £10'500 less for same investment in one year, that's a huge difference I wished someone could tell those mutton skull HM0 regime in London this, when I attended their meetings recently telling us how lucrative HM0's are, saying we get 4/5% extra, when we can't even achieve a normal rent, they are living in cloud cuckoo land and we suffer at their hands while they are a Law all to themselves.
From:
Michael Foley
19 May 2020 22:26 PM
Sorry Sebastian, I wont forgive me the truth hurts much more than lies, Many thanks.
From:
Michael Foley
19 May 2020 13:57 PM
Hi John, I know rents are 3 times higher is South East than in Wales but don't forget property prices are 6 times higher in London. so you are far better off than us.
From:
Michael Foley
19 May 2020 12:54 PM
Hi Robert I must commend you on your success partly due in no small way for not being a London LL. Supposing you had the misfortune to have invested in west London your income would be more than halved, how does that sound to you ?. OK a small bit of arithmetic if you were to buy 6 No. 3 bed Terraced Houses for £500k each, but probably not get them for that anyhow your £3m is used up. Then let them out say for £1'600 pm each X 12 = £ 19'200 pa (£20k pa) x 6 = £120k pa less than half your income. Another scenario say buy 5 Semi's 3/4 bed Houses @ £600k each if you can get them, your £3m is gone, rent them out for £1'750. pm (Incidentally which I don't get for similar) = £21k pa x 5 = £105k pa again far less than half your income dear Robert. Perhaps now shall I factor-in all the additional costs associated with being a London LL and local Authorities on our backs that hate us, loading on costs doing their utmost to drive us out of business + full c/tax on empty property for providing a non service but they are not even happy at that they want to double & treble it. Have a nice life and if any young people who are thinking of buying them over priced Flats with help to get into trouble schemes, keep well clear.
From:
Michael Foley
19 May 2020 11:53 AM
Ok Peter I digress but it was 5 people 3 story's or more people since 2006 as know to my cost having to renew 3 times several time over even though I never let rooms, total extortion racket. The worst thing that ever happened to Private sector housing creating over crowding by the tenant, causing sub-letting & making LL powerless to act, while making him the responsible person with no instrument to remedy.
From:
Michael Foley
19 May 2020 00:02 AM
I think LL's outside West London you haven't a clue what we are being put through. I can see plainly other parts UK are not bullied to the same extent. London boroughs have taken millions of £'s out of the Private Sector housing in each Borough and more coming, or course they have no in put we pay for all, all, all, then they try & tell tenant private rents are too high that they actually caused by licensing schemes, Stamp duty, restriction of several kinds + penalties, of course it only applies to one half of Community, if you house the people milking the system nothing applies + you can have 16 weeks up front as a sweetener. Big Developers are exempt & subsidized so no level playing field for us. Several more additional encumbrances coming 1st October, like Mandatory for 5 people or more regardless of how many story's, additional licensing for 4 or more people, Selective Licensing in selected areas as I understand it for any number of people but not if you House the Family's or so called connected persons nearly all on benefit, I only ever had 2 Family's come to me that were paying for themselves in 42 years. They all wants to be on the Council and the Council loves them, 2'500 in temporary accommodation in one Borough + 9'000 lined up on waiting list, they are not stupid if they can get it subsidized or free for ever, I see some now on it in 3rd generation, they can't understand how life should be any other way, why would they pay a mortgage.
From:
Michael Foley
18 May 2020 22:30 PM
Hard to imagine they got 4'000 clueless people together to sign the letter, then again it's the Labour Party, so they want to prevent the Tenant from being made Bankrupt by LL but it doesn't matter if the Tenants non-payment of rent makes the LL Bankrupt. The idea of given the Tenant 2 years to pay back rent arrears is a joke if they can't pay it at the time they are certainly not going to pay it later. I smell a rat here its given them 2 years extra where no action can be taken for rent arrears. Go ahead and keep shouting from the roof top through your hind quarters to get rid of section 21 and enjoy the worst recession in living memory.
From:
Michael Foley
17 May 2020 20:27 PM
Obviously a wind-up merchant, who enjoy taking the mick.
From:
Michael Foley
13 May 2020 19:24 PM
Sabastian, another one on the side lines with no in put but wants everything for nothing. It goes without saying people in all walks of life are struggling at this very difficult time. The idea of running a business on zero income is a non starter, the Government provides Social security for people in need but it is funded from the taxes. So are you proposing no Rental income and would that apply to Local Authorities as well, are you going to starve them of cash to. I pay a huge amount of tax but with no income from lettings , also means Revenue goes short. Personally it don't make much difference to me. I have always worked and was always capable of earning my living, in fact since I was 15 years old, now working for 58 years and still working to put a roof over other peoples heads, so I am not bothered if I get no rent I will survive anywhere and never had any help from anyone and always had to pay for my accommodation. Currently 2 Houses empty & another one coming vacant, so perhaps it better to have them empty with no income rather than having them full with occupants causing me problems, damaging my property while requiring the use of my Property for free. I know I still have to shoulder the outrageous full Council Tax cost on them all even though no services are being provided. I don't know any other organisation that can charge for a non service. Actually I had a hard day and can do without the nonsense when I get home.
From:
Michael Foley
13 May 2020 18:19 PM
We pay a huge amount of tax on lettings, so no rent no Tax. Sabastian I know you are having a laugh and at the same time the Chancellor is strapped for cash, any hope you providing him with £70b ?.
From:
Michael Foley
13 May 2020 17:41 PM
Dear Danny, I have had several letters from my tenants already in this regard so they hardly need a template letter from you , they have minds of their own and well capable of standing up from themselves, not least writing a letter, so we can all do without bad influences from people that don't house anybody.
From:
Michael Foley
12 May 2020 19:02 PM
That's a big chip Ray, so you don't supply any property to house the millions of Private Tenants but we do, we also pay huge amount of tax on the Rental income and for me its £4 in in every £10 which is a very substantial amount, plus all the anti-landlord regulations. I am the one who takes all the knocks from the people on the side lines with no-input and I also pay thousands to Local Authorities licensing extortion schemes or course they have no in put whatsoever either good that isn't it ?, we for pay all. Incidentally my Tenants are currently £16k in arrears so do I need people like you shouting the odds with no in-put. Sebastian, Mr Paul Shamplina is a straight forward honest guy working with-in the law, very fair to everyone, a very professional competent individual that don't wrong anyone and I have seen him on the circuit at numerous housing related events for 20 years, just maybe Ray is one of those who thinks no one should pay for anything. Have a nice life.
From:
Michael Foley
12 May 2020 17:30 PM
Jacob, you are right the key is affordability. Tenants can't afford the Rent now so how can people talk about rent increases. I am £14k down in 6 weeks and expecting another hit next month probably 8 - £10k. People can't pay what they haven't got only the Benefit Tenants didn't miss. I believe there is no shortage of Housing, all hype, where are all the people living now, of course there are big Council waiting lists nothing surprising about that or how long it is, they all want to be on the Council and love a free ride. Stop Building thousands of unsuitable Flats clearly not required.
From:
Michael Foley
04 May 2020 14:57 PM
I don't know about section 13 but do know about Rule 13, you might go to tribunal thinking safe in the knowledge its a system to sort out your differences without too much cost schedule 12 as on application not more than £500.00, but be aware when fancy Lawyers get at it & convert it to rule 13 saying its an unreasonable claim & go for unlimited costs, who or earth would go there with the possibility of uncapped costs. It not how business is done keep well away from Courts and if Courts are the only remedy its not viable, don't be in business.
From:
Michael Foley
03 May 2020 22:36 PM
Right I think there was I remember Perec Rachman and the likes not nice LL's. I don't want to discuss Tribunals First -tier or upper or ever again go anywhere Alfred Place, from past experience when our case became a Land Mark case, imagine change the Law of the whole Country just to beat us costing huge amounts & a person to loose their life, can't discuss particular cases or I will probably be in more trouble. I often heard it said they can't boil an egg now they can't even make a cup of tea, we still need our sense of humor.
From:
Michael Foley
03 May 2020 18:45 PM
Mark, one of the main reasons why property got expensive apart from mad regulations is Government gave Bank of England power over interest rates to control inflation which was totally unnecessary & a stupid idea. Interest base rates used hardly ever be below 4% and more often stable at 5 to 6% not 0.1% so they abolished savers over night leaving them with their hard earned savings sitting in the Bank with no return & devaluing. They were all scratching around looking for something to do with their money needless to say they bought Property that they didn't necessarily need or want all bidding against each other driving priced through the roof like a ponzi scheme, so now you know why property prices are high its all of us. This was a massive mistake by BoE, we need savers and surely this is main reason why the young have no savings or Deposit for a property with no incentive to save, so wrong and can't be put right without crashing the economy and having millions of repossessions of the borrowers who bought their property based say, on a couple of percent Mortgage.
From:
Michael Foley
03 May 2020 18:22 PM
Yes the affect of removing S. 21 will mean we will have to be very careful who we rent to and that means no one. It already takes 6 to 9 months to get someone out with S.21, without its a non starter. I know what it was like before S.21 so I don't to have to wait for it to taken away to know whats going to happen. The tax issues affects LL's in several ways Mortgage free or not, all those Licensing schemes are a huge tax, only applies to one half of the community, Taking away our wear & tear allowance is a tax, taking away my personal allowance is a tax, Capital gains is a tax, inheritance tax is a grave yard tax, (only 10 at Funeral). 40% income tax is a tax, so Mortgage free don't mean tax free does it.
From:
Michael Foley
03 May 2020 14:19 PM
Mark I don't agree your kids are not competing with BTL landlords it seems to me they are all on help to buy with no SDLT, this scheme is not available for buy to let LL's so how would they be in competition ?. Where did you get the idea it was easy for the Parents. I lived in rented accommodation for 9 Years in various Towns around the UK, when my take home pay was £25.00 per week and a reasonable house was £4.5k. I had some savings & applied for Mortgage but got turned down it was probably the biggest favor they could have done for me. I seen a plot in Brentford Gazette bought i,t got a Bank loan & Built my own House by my own hand with only hand tools no electric on site & cordless still to be invented incidentally which I still have so you think we had it soft. We didn't have Bank of Mam & Dad rearing us until we were 25, we were reared at 15, no iphones, credit cards, sky media or google, for me no family support possible & Dad RIP. The abolition of s21 will cause the biggest Recession ever known for sure without any Corona, why do you think that I have a duty to House your family go get their own. I thing your are a benefit LL that the Regulations don't apply to, just one fire door & yale lock on front door so it can open from inside. Regulations should apply to everyone or no one and same goes for SD. The Best way to stimulate the economy is to scrap all the Regulations made this last 10 years, imagine 4 pages Certificate for simple emergency light costing more than the unit (morans) and tell all those lame duck organisations to go & find a job even if they are capable ? and stop living off Private Landlords Backs.
From:
Michael Foley
03 May 2020 13:25 PM
Hello Sebastian my friend how right you are I am a slow learner. I didn't realize it takes so long to become a qualified stupid Landlord or in my case 42 years since 1978 that's 10 years before the 1988 Act. Where were all you guys when I was years campaigning for the 1988 Act. I believe only for Sir George Young (take my hat off to him) it wouldn't have happened or when we were campaigning for Section 21 but as usual you all come along and avail of what we achieve very handy for you. Where was high & mighty Shelter, Rentokil, ARLA, or Generation Rent but now they think we own them something . Actually I am a Tea drinker.
From:
Michael Foley
02 May 2020 21:35 PM
Mark what Planet are you on when did we ever have Government assistance, except never. Its good that you are so full of yourself so let someone else pay the tax for a change to keep the people you love milking the System. Its very bad advice to tell young people to buy their own over priced (50k to 100k) homes with stupid get into trouble schemes with only 5% Deposit, no SDLT & half the money interest free for 5 years as a carrot to rope them in to make max profit for big Developers but god help them for the rest of their lives when they have to start paying for what they though was a freebie. We have been hammered by rogue regulators loaded with huge costs licensing etc, unfairly. The Council are very good at wasting Tax payers the same ones that has taken millions of £'s in each Borough out of Private Sector Housing but I suppose Mark thinks this the Government helping us. A Council member in Brent is always shouting the odds knocking Private LL's has just spent £30m of tax payers money as I am sure its not her personal money buying up 114 flats to House who ? that will be the milkers in the main. 92 to be offered @ 80% of market Rent which is very good of her, but I think the Council don't pay tax, so I pay tax @ 40% & some @ 62% can I go tax free and I will Rent for 60% of market Rent.
From:
Michael Foley
02 May 2020 19:06 PM
Who cares what they do with Stamp Duty sur-charge or not , we will not be buying anything, we are enough of you, sick of rogue regulators discriminating against us.
From:
Michael Foley
02 May 2020 13:50 PM
I don't think they are extreme examples. I have taken a big hit compounded by Government interference, some Tenants are taking advantage.
From:
Michael Foley
22 April 2020 11:38 AM
Southwark another Council on the Band wagon ripping off Private Landlords and Tenants, if the Council are so good & worried about everyone then they should pay for what there own administration including the License Schemes they want. The Landlord has to pay thousands of pounds to do the work to comply so where is the input from the Council zero but each Borough is taking million of £'s out of the Private Rented Sector Housing with no in put whatsoever its a disgrace no wonder they are all on it crippling the industry, they should be ashamed of themselves and not fit for office but then we have to be the special most appropriate persons we certainly would need to be to put up with this injustice. Dear high and mighty Council Leaders put your money where your mouth is and stop sponging, you are so two faced pretending to be the Tenant friend while you have driven their rents through the roof and now this is more of it driving up costs again, you want licensing schemes you pay for the administration, instead of milking everyone in your ivory tower, don't forget to lash out a few more fines anytime you want a few bob.
From:
Michael Foley
21 April 2020 19:49 PM
Some rubbish who cares what happens we were destroyed already before Corona, now talking about rent increases when my rents are down 30%
From:
Michael Foley
21 April 2020 14:39 PM
We provide a service and needs to be paid for it just like any other business, no one can provide a service for free. I don't understand what point Mark was trying to insinuate by the comment earned or unearned income, is he saying we don't have to earn it or did it just fell into our lap. I had to work very hard for what I have including building Houses from scratch by my own hand over several decades, still working and pay the Banks enormous interest rates on Commercial loans to service the finance at the same time, so if you think its unearned income why don't you get a job with the Revenue as only they could come up with something like that. It seems to me you are probably a Benefits LL as you are usually knock us for providing accommodation at no cost to Government or tax payer. I don't think you need to worry too much about your Tenants going to work just to make profit for you during this sad time of Corona or any other time, the money will be coming no doubt probably the only occupants that are not affected by any crises, they won't have any trouble proving their status. Have you thought of moving to Germany.
From:
Michael Foley
15 April 2020 22:00 PM
Incidentally over 20'000 Homes empty in London, plus another 200'000 Homes empty in England unfortunately some people don't want to live in them as they would prefer to live in places like Mayfair or they might be at a disadvantaged.
From:
Michael Foley
13 April 2020 19:00 PM
Or Course David is right the cost & loss of revenue is endless, the idea of raising taxes won't work, we are already taxed to the eye balls, that's why so many have thrown-in the towel even before Corona with unfair one sided tax rules and the more they load it on the more goes out of business. there was already too many milking the system because the system is designed for them, and too much sympathy for them who contribute very little or nothing the Council loves them as many same culture as themselves, everyone wants to be on the Council getting subsidized living, well the game is up. I don't let rooms but the property as a whole yet I am lumbered with Licencing Schemes which is very expensive to obtain & comply with not alone the extra encumbrances it places in me but don't apply to people who are related whatever on earth that't got to do with anything, the rules are to suit the same culture as the claimants, their friends and relation occupy many of the Civic Centers & Gov' Dept' so likely they are making the rules for themselves. I seen PM on TV saying no more than one household should be together at this sad time. However, this cannot be because of Licensing Schemes that created 2,3,4 or several Households with-in one House so no hope of one house keeping separate (excluding self contained flats) perhaps we need a new definition of a household for this sub-standard over crowned 1960's bedsit type accommodation. Also I hear so much on TV about Family's cooked up in high rise Flats with no outside garden space. Why then are you Building tens of thousands of the Stupid things all subsidized from out taxes & over priced by £50 to £100k depending on the size with dubious schemes to rope in the young generation for 35 years in some cases just to make huge profit for big Contractors & Institutions. At the same time hit us who supply proper Houses & gardens, with super taxes of several kinds and enormous Stamp Duty Land Tax, while they are exempt for now but god help them later on, come on now play the game we are not children or oblivious to what you are doing to us. I don't believe there is any shortage of Housing just hype and everyone runs with the baton.
From:
Michael Foley
13 April 2020 17:49 PM
They talk about COVID-19 not being a green light for tenant to stop paying the Rent but certainly a red Light for Landlords to take a step back from supplying Private Sector Housing.
From:
Michael Foley
07 April 2020 21:39 PM
What's the point in Clarifying the 3 months Holiday now, the damage is already done when they spouted out the wrong message first, that's taken by Tenants as Gospel, its already cost me £9600. this month needless to say also the Revenues cut of £4k as well. It was totally irresponsible also no stopping the Local Authorities going ahead with the one sided Licensing Schemes that only applies to one half of the community. Corona don't stop that but no problem for them closing all the dumps leaving rubbish build up.
From:
Michael Foley
07 April 2020 09:49 AM
Well that would be great £30m pa, is better and borne by 2.5m LL's, instead of 80'000 LL's shouldering the full cost @£85 (85 x 80k) = only £6.8m but too many LL's sits back and make no contribution whatsoever and wait with eyes wide open to see how they can benefit from any concessions we might achieve. Honestly you don't get much for a £1 those days, if you give it to your kid for sweets they would probably throw it at you, or if I go to post a letter the parking meter takes it yet you won't get it out of some LL's with a can opener.
From:
Michael Foley
06 April 2020 19:21 PM
Right Paul, so Local Authority's buy up 4'000'000 homes with tax payers money to waste or service the loans, what then are you going to fill them with people who want to live in subsidized or free housing & living as is now very often the case, they are all queuing up at the moment to get on the Council which is why the waiting lists are so long, beats buying your own property with a mortgage around your neck trying to raise your family pay for everything & very likely no Child Allowance if both earn over £50k, its a bit obvious at the moment which one is better Benefit Tenants are not affected and not worried about paying the rent, the tax payers is their guarantors, unlike the tax payer scared whether he can make ends meet or have a roof. Anyway if the Council were to adapts your suggestion we will be delighted to sell to them.
From:
Michael Foley
06 April 2020 14:05 PM
RNLA is the only body we have to represent us, unfortunately the Membership is so small @ 80 thousand by comparison to the large number of Private Landlords out there of 2.5 million so a greater number of LL's needs to join and play their part instead of complaining and at same time powerless to do anything. Why don't RNLA have TV adverts requesting £10's from each LL, (or public) 2.5m x 10 or every month if necessary to be properly represented. The organisation who don't supply Housing have no qualms about doing this on ITV (which should be banned) , or if we need to be a Registered as a Charity become one, indeed many of us could qualify to being a Charity now I have six Houses with virtually no Rent. The writhing was on the wall already anyhow with the distorted market by rogue help to buy / help to get into trouble schemes (over priced by £100k Flats) whereby that was all tax free + incentives. Private LL's in contrast were loaded with taxes, penalties, regulations, licensing and spurious fines, who own a huge chunk of existing traditional housing stock & housing up to 20m people, thrown to the Wolf's which was guaranteed to stall the economy even without corona, talk about the tail wagging the dog.
From:
Michael Foley
06 April 2020 11:22 AM
I have a situation now where several can't pay nothing and others will pay half, none full. they have simply being plunged into unemployment of a sudden because the Country closed down. Make no mistake about it this is the worst Recession ever and I have lived & been impacted by at least 5 previous Recessions over the years. There was never a case where everything closed down virtually, people returning to their home land. When it settles Companies will have folded and the jobs will not be there, the days for blaguarding Private Landlords have past, what now ?.
From:
Michael Foley
04 April 2020 21:07 PM
Hi Nick. I am not interested in Virtual Viewings or virtual anything else its all rubbish , so that's what you'll be preconditioning their brains with and maybe virtual money. I will not be taking part in this nonsense just all button pushers for an economy of buttons. It will be like sales virtual viewings thousands and thousands snooping through your property and only a couple genuine viewings, the rest don't have the slightest intention of buying. Anyway good luck with your Teaching career its not easy at best of times I will give you that but don't make us scapegoats.
From:
Michael Foley
03 April 2020 17:36 PM
Shelter says on their web site everyone should have a place to call home and fighting for this basic right is at the heart of everything they do. So why haven't they provided any Homes in all the decades they have spent knocking Private LL's ,forcing in rules that's nothing to do with them its not their property, they are not elected Representatives, taken away our Deposits in 2007 based on a pack of lies, behind Sarah Teaters failed Private Member Bill, but not a problem for them they got everything in back door straight away with De-regulation Act. I supply many Homes off my own back I don't get Government help or donations just hammered with Regulation & taxes , now give Tenant Rent Holidays. Many Private LL's driven out of the market, all those knockers forget we house 20 million people with private finance costing Government nothing and the encumbrances that have been placed on us driving up costs making rents unaffordable, if they weren't involved I believe property prices would be less and obviously Rents cheaper, so those organisations are hurting Tenant & Landlord. Why do Government see People who are just Lobby Groups as far more important than the Landlords who provide the accommodation & everything at no cost to them,
From:
Michael Foley
02 April 2020 20:30 PM
I can't blame the Tenants for not paying, if they have any sense, they would need to be stupid and Government telling them not to pay, that's about the size of it.
From:
Michael Foley
01 April 2020 18:57 PM
ARLA, Mr Cox why are you shouting for more Regulations especially at a time when the whole industry is Collapsed under the weight of unfair Regulation driving it to extinction, you are supposed to be there for Letting Agents and do your best to destroy them, is it not enough for them to have been fined £1.2m so another take out of the Industry, (or is it fools day). I agree with you that many LL's don't use Agents anymore and not because we don't want to, its because all the other Regulations & unfair tax hikes that has taken the money , coupled with the Local Authorities taking the cream with no input and they used never be involved in the Private rental Sector until they could do no more damage to Public Sector housing then mutated onto us. Why can't ARLA ever give us an up to date reference to the housing market, this is February's data so its History not news we all know what happened since, and no help for LL's then only headlines, it doesn't matter about us we won't catch anything and if we do good riddens isn't it..
From:
Michael Foley
01 April 2020 16:00 PM
Government interference has done maximum damage to private renting sector in this Corona virus crisis, they didn't need to interfere, anyone who couldn't pay obviously wouldn't have paid anyhow. The Tenant who could have paid probably would have paid and no such thing as throwing people out as that takes 6 to 9 months at best of times. I now have 6 houses where any income is very unlikely at all even definite. I am not Social Security who can dip into tax payers piggy Bank, or Council who takes money off LL's at a whim while never costing them a penny with no input, not even Shelter with the begging bowl adverts looking for £10, who don't supply housing and pay their top brass well in excess of £100k pa, and have Charity status, (can we who actually supply housing have Charity Status). The Government has opened the flood gates now no one wants to pay because of even more guaranteed rights to destroy private LL's.
From:
Michael Foley
31 March 2020 09:50 AM
National debt Clock ticking going up at an alarming rate, take a look £5'170. per second. National debt £2.3 Trillion, The Chancellor is asleep at the wheel.
From:
Michael Foley
30 March 2020 19:27 PM
Mr John McDonnell the red tie looks very well on you, please advise what Properties you own and it would be nice to know how many you supply to Tenants for free ?, if you don't provide any property not alone even rent property to house anyone, then you are a disgrace just another one sitting on the fence knocking LL's who devoted their lives to house people. Why not resign, you are not fit for Parliament, it would be better than stepping aside as Shadow to made way for Mr John Healey although I don't expect him to to be any better maybe he can supply some free property of his own back.
From:
Michael Foley
30 March 2020 10:35 AM
All those anti-private LL organisations plus media hype for ever bashing Private LL's haven't a clue about business or don't have to just keep knocking us, if they are so good I put it to them why don't they buy the property and subsidize their Tenants to live in their property to see how they get on. I keep hearing about Mortgaged LL's but the fact is Mortgaged or not you can't house people for free.I now have 6 properties out of small portfolio occupied by people some who won't and majority unable to pay, either way the income has dried up because of circumstances & Government mad intervention. I believe only Benefit Claimants can afford housing in this situation. I would like Nick to get a dose of reality always knocking us and talking about campaigns to destroy us more. Supposing someone gave me a property for free I could not rent it for free obviously, I am not Social Services & with all the Regulatory requirements costing fortunes even a License fee in Harrow is £1310 for the Application plus the additional works that is likely to be required is substantial, the day to day running costs, Boilers nightmares those days, white goods (just replaced WM this Sunday morning £329), furnishings, penalties,Insurances, maintenance issues, in some properties I pay Council Tax, etc etc, OK all this Plus all my own labour is on the line for free or get someone-in who are hugely expensive, (try it sometime). Now Nick dearest have another little think, Best Wishes and more draconian taxes coming next week.
From:
Michael Foley
29 March 2020 17:38 PM
Total disaster not a clue what they are doing, as soon as he said 3 months rent holiday the game was up. I had some struggling before this but was working through it with the Tenants and getting some rent at least, now that has stopped immediately, so no rent from 6 properties some they won't even communicate anymore, don't return messages, dont answer the phone, supposedly cant go there because of the ban, so I am ignored and at same time made powerless by law. I always had good relationships with the Tenants before until this stupid intervention, they had all the protection they ever needed already, did they not know its only the Courts or the Tenant that can end a Tenancy and if they didn't pay they were simply in arrears and I had some hope of getting some rent. The implications of this is total loss of confidence and the collapse of the housing market and the economy, you will have all those partly built Blocks of flats abandoned of course was never needed, and the young people that were forced & coaxed into buying over priced Flats just to make profit for big Developers will struggle for rest of their lives, ( 10 out of 10 for stupidity).
From:
Michael Foley
27 March 2020 10:10 AM
PRIVATE LANDLORDS A NATION OF HERO'S. Housing millions of Renters in their hour of greatest need, at a time when they are not financially secure, and in the face of adversity.
From:
Michael Foley
26 March 2020 09:07 AM
Hi, Nick. B seems like you had a bad experience with Renting and I am sorry for that. However. I think you are so misguided if its that easy & such a doddle being a Landlord, please become one I can't wait to see how you are going to spend all this imaginary spare time while being so privileged leeching off others, good luck with that.
From:
Michael Foley
25 March 2020 13:18 PM
They haven't got a clue what they are doing, there shouldn't be a 3 months ban either, what for ?, we all know it takes 6 to 9 months to get someone out at the best of times, that's always assuming we particularly wanted to, which we don't. When you give Tenants 3 months holiday do you really think they are going to catch-up later, well not a hope if they are 3 months ahead they will drag it out another couple and go. There is a glut of places to go to even before Corona. Plus the thousands of LL's that jumped Ship to Airbnb are coming back in their droves now that its collapsed with no Tourist / or Flights. Time to wake up to the real World, incidentally come back Paul all is forgiven.
From:
Michael Foley
25 March 2020 09:55 AM
No don't want pets had all that, landlord expected to pay for infestation, it enough to be cleaning up after the occupants,
From:
Michael Foley
24 March 2020 13:20 PM
I have a vested interest in a healthy housing market so I wouldn't scaremonger. I just tell it how it is and might save a few people from getting burned, if you were eluding to me.
From:
Michael Foley
24 March 2020 11:48 AM
Well its not just a few tough months is it ? The powers that be and other outsiders with no housing input have been making laws and chipping away at us in recent years particularly. They are so naive they think it only affects private rental LL's, has it not occurred to them that many of them own their own residential property whether a house or flat where they live. Its true that when they want to up-size or down-size its very often the private LL that has bought their old property ensuring that they got a good price. When you collapse private rental sector 2.5m LL's housing 20m people, bang goes the value of property as well can you not see that. The idea that rents or house prices will increase is madness, this was well on the cards ever before Corona, affordability you forget this little fact, then building thousands of subsidized flats clearly not required, over priced by a country mile, for Developer buyers Zero SDLT & Small Deposit just to rope them-in obviously a millstone around their necks for rest of their lives. There is no Zero SDLT exemption for us regular LL's who have supplied quality affordable housing to the market for decades but a huge tax penalty of additional 3% on top , plus taxed on income instead of profit, so anyone that thinks all will be fine good luck to you.
From:
Michael Foley
24 March 2020 10:35 AM
What more can they do to destroy us not much left and I was wondering when this one would come along. They taken our Deposits in 2007 based on a pack of lies. Taken our 10% Wear & Tear, made us immigration Officers, How to Rent , Right to Rent, De-Regulation Act, Every kind of license burden for every part of a property and requirements. HM0's, Mandatory, Selective, Additional all involve huge costs that we are suppose to absorb like a miracle, not one penny out of Councils pocket but making a packet out of it, plus the fines they can keep that they issued & more coming, Article 4, Section 24, Section 21 depleted to a remnant and they still wants the residue of whats left, not much more to give of take really only Free Rent I was expecting that. I suppose they could require us to pay them to live in our property that would be a good one but we are subsidizing them already or do a John McDonnell on us give them the Deeds.
From:
Michael Foley
23 March 2020 21:12 PM
More intervention by Government that don't understand relationship between LL & Tenant just pouring oil on the fire, 3 months where no eviction process can start in a green light not to pay. I have a number of Tenants in arrears already before this Corona and was trying to work with the Tenant as I always do try to keep the whole situation on track, now a bolt out of the blue undermines any little negotiation rights I had / blanket restriction. I have Evicted a few Tenants with Court Orders in the past but only as a very last resort, for instance like owing me 12 months Rent on a complete House (while I went to Work to pay the loan to keep a roof over their heads)and that was my last eviction in 2003 so the idea that LL gets rid of Tenants at the drop of a hat is nonsense and in any case it takes 6 to 9 months to get your property back at best of times, so why this knee jerk legislation. Incidentally I got the Court Order for the amount but never recovered a penny + it cost me £1500. legals + vat.
From:
Michael Foley
20 March 2020 09:54 AM
Thanks Daniela. I have had printed & thrown away so many booklets its unbelievable, it was brought-in by Shelter who are not elected representative but make most of the laws for LL's, so no need for Elections, thanks once again.
From:
Michael Foley
19 March 2020 20:23 PM
Hi, going of on a tangent can anyone tell me the correct version of 'How to Rent' guide (or what ever secret name it has now) to use I find it impossible to keep up with it and its so crucial considering it makes your Tenancy Agreement null&void if you don't serve the correct one, although I know that's what its meant to do. Introduced on & changed so many times since 10-6-14, 11-6-14, 25-9-14, 10-10.15,1-2-16, 17-1 18, 26-6-18, 9-7-18, 31-5-19, (29-7-19 Shelter Amendment) 7-8-19. Please tell me the correct one & if there is more, also if 'How to Rent a Safe Home' is obsolete, so crucial.
From:
Michael Foley
19 March 2020 18:59 PM
Hi Richard Murphy I think you are wonderful what a great idea, so you are going to pay at least 3 months rent to cover my Tenants, shall I send you the sort code & Account numbers so you can lodge the money directly into their Accounts. Many thanks Kind regards
From:
Michael Foley
19 March 2020 17:11 PM
I never fail to be amused by all those anti-Private landlord Housing Sector Groups happen to be so generous with my money with no input whatsoever of their own hard cash. The chickens were coming home to roost anyhow already without Coronavirus with the Building of Thousands of Subsidized Flats clearly not required, how many times have I repeated that. Where are the people or where are they living now, forget about waiting lists, they all want to be on the Council to use tax payers money to live off, even Camden Council alone has 6'000 on the waiting list, surely they are not all on the Street and that just one Borough of 32, same old story why buy the Cow when the milk is free.
From:
Michael Foley
19 March 2020 13:16 PM
This is encouraging non payment, is effect guaranteed free Rent for three months which will never be recovered.
From:
Michael Foley
19 March 2020 09:15 AM
I don't know why your son is paying £500 pm is paying first place for a room in Durham even with some services included. I don't get this kind of Rent in West London where property is much more expensive than Durham as I am aware.
From:
Michael Foley
19 March 2020 09:06 AM
Did Boris not propose Tax Holiday for Landlords ????????
From:
Michael Foley
18 March 2020 20:06 PM
I always try to help out my Tenants who are my Customers and wonderful people in the main, even some see me like family. Its time for Government to step up to the mark and put those Lobby Charity in their place, the don't supply the property have no in put just sit on the fence and do as much damage as possible to private Sector Housing, that we supply at no cost to Government imagine that and hated for the free Service that we provide now that no fees. I am in favor of free period or reduced Rent at this difficult time to help out the Tenants who are not made of bags of money. However, I need to see a gesture from Government to support us and give credit where its due, its very simple to do & need not cost Gov' anything, just stop giving our taxes to big Developers and level the field. They have £500m to give away to people experience hardship, nothing for us and we don't need anything only give us back what we had, our Deposits, Scrap 'How to Rent' rubbish that was never required, repeal 2015 De-Regulation Act that was never needed, Revert letting Law back to Civil Law, Retain Section 21 and remove the shackles, reinstate Section 24. Remove HM0 for single House let on one Tenancy where no individual Rooms are Let, I never let rooms yet I am lumbered with this Burden.
From:
Michael Foley
18 March 2020 14:13 PM
Please give the lady a break you are too severe, show some sympathy to people who are struggling, those are terrible times for everyone, surely the writing is on the wall. I have Tenants who have lost their jobs already or income very limited. This is going to be a big hit on LL's & Tenants alike, we were struggling too much before this due to Rogue Regulators, no stopping them but like to portray us as the Rogues imagine that they are just useless lobby groups, we are a very resilient lot to have withstood the last 15 years of battering, no other Business would have been bothered or dedicated enough to tolerate such abuse. Obviously this is a bad recession even without coronavirus we were doomed before because of unfair competition and taxes, now where are the LL bashers any more bright ideas.
From:
Michael Foley
17 March 2020 20:20 PM
They say in the article Section 21 Consultation has ended or Course there was never a Consultation considering they made the decision to Scrap it 6 months prior to Consultation. That's some democracy but no surprise giving that Shelter makes the Laws for LL's who are not elected representatives, their stupid "How to Rent" literature has also now grown to 15 pages although they tell us 13, also 2 versions of it to cause maximum confusion to ensure you will have issued the wrong one, How to Rent a Safe Home is new one but no use as I understand it, not part of the Act, this is the tenth change in less than 6 years, what a waste of paper printing & throwing away, disgraceful behavior by people who don't supply anything but make fat living out of destroying Private Sector Housing and have the ear of Government. enjoy the Recession.
From:
Michael Foley
17 March 2020 10:22 AM
Will Banks give LL's a repayment Holiday first, otherwise where does the money come from, it would be great if everyone didn't have to pay for anything, that would go well, total collapse. Mark my friend, are you sure you are a private LL or are you a Benefits LL only who only house persons that can't loose the job they never had but the Rent will be paid for them anyhow.
From:
Michael Foley
17 March 2020 09:57 AM
The "How to Rent" seems to have escaped most LL notice, it has now grown once again now to 15 pages, every few months it grows by the anti-LL establishment. Just how many changes do they want can they not know what they want in the first place, instead of adding on as they dream up. Housing Secretary, Jenrick forcing LL's to have Pets now this comes along making LL's responsible for Pests & vermin which in the main is caused by Pets its all rubbish. Page 12 Over Crowding again one sided only making the LL responsible for over Crowding when we all know its the Tenants that do the over crowding but by excluded by How to Rent.
From:
Michael Foley
14 March 2020 11:14 AM
Sorry Paul savers were the back bone of the economy, when there was savers the Banks had real money to lend, instead of froth & bubbles, how many billions wiped off the other day. When everyone lives on credit that's what it is & the slightest thing go wrong they are on the street, what happened to the back up for rainy day. I seen many of my friends over the years living on credit & everything on H.P Bills every month, could raise their head above the parapet living hand to mouth they are still the same, no chance to save. Many of the young today buying Property rely on their Parents for backing its a good job their have Savings, we need savers bring back savvy Society.
From:
Michael Foley
13 March 2020 08:15 AM
There is no such thing as savers anymore the B of E made sure of that, the base rate used to be always around 5% the + lenders margin ? 3%, so we were paying 8% for Commercial Loans and none of this silly buy to let nonsense from what I remember started with the Woolwich. Then B of E brought down interest rates too low abolishing savers, so they were all scratching around looking for some where to put their money to stop it devaluing, they bought property that they didn't necessarily need or want all bidding against each other, the rest is history. Therefore no incentive to save which is why they can't save for a Deposit. when I was young I always saved maybe a post office Acc' getting about 2.5% it was encouraging when you see it build-up, now all that is gone and will never come back because if Interest rates rise there will be so many going to the wall and the Country collapse. Its totally wrong we should have savers but can't happen with stupid rates like .04%, now we have children running the Country going spending £100b they haven't got.
From:
Michael Foley
12 March 2020 21:24 PM
I don't agree with RICS on this, many are struggling already, there is the little matter of affordability.
From:
Michael Foley
12 March 2020 14:48 PM
You must be joking it will take a lot more than that interest rate cuts to motivate us and repair the damage.
From:
Michael Foley
10 March 2020 17:27 PM
I can give you far better advice having been a Landlord for 41 years and so sorry that I was ever a Landlord. Keep well clear of those rogue Regulators and their extortion rackets, making you a Criminal while robbing you.
From:
Michael Foley
06 March 2020 15:53 PM
So if Helen Warren-Piper wants Pets in her House that's fine its up to her but don't go imposing your views on us its none of your business. I have suffered too much because of pets & don't think its only Birds, Cats or Dogs, they had Hamsters, Rats, Reptiles of every kind ever known, huge problems for me Safety, Health of others in same Building and themselves if they want animals we have Zoos. Don't worry about Landlords Physical and Mental Health, all the crap that's being thrown at us from all directions, who cares about us if we are sick or lonely we are the Fall Guys considered insignificant.
From:
Michael Foley
03 March 2020 19:45 PM
The biggest problem with the incoming MEES / EPC's is its going to be enforced by the Local Authority's which in itself is not a problem, what is the big problem they are going to be allowed to keep the fines imposed on LL's, it should go to Central Government, so the Prosecutor and the Beneficiary is the Council, conflict of interest for sure so don't expect justice to have any role.
From:
Michael Foley
29 February 2020 08:12 AM
Barry, I think all home owners should meet the mees, that's 15 million properties plus, we LL's are only a fraction of the housing stock and expect us to save the planet as well as finance every local Authority in the Country. Mandatory compliance for Home owners as some owners never sell.
From:
Michael Foley
28 February 2020 15:37 PM
Any more for the bandwagon it open Season Landlord bashing, Government should protect Landlords who are providing quality homes for millions without any financial aid from anyone but in fact are instead, hindered, prosecuted, penalized, criminalized, legislated and taxed to the eye balls, its like we are enemy No.1 for providing good homes & excellent service putting no value on our own time, at no cost to Government. I don't see any of us getting Honored when the lists appear in the papers for service. I think the regulators should take a look at the under passes in Park lane central London, Marble Arch & High Park Corned sub-ways to see if the electric is ok for the rough sleepers, you don't know your born.
From:
Michael Foley
25 February 2020 20:43 PM
I would ask Ministry of Housing to ignore to ignore ARLA and RLA who are making a living out of Landlords that they are supposed to be supporting, its not their property. I would also ask Landlords to boycott those organisations who can't wait to put the boot-in. Regarding Houses in Multiple Occupation (HM0) do they not know that the 5 years Certification of electrical Installation in residential property is already a requirement for HMO's and I have had to have it done since 2006, so where is this big hole try looking behind you. Do you assume that the good installations we have in our properties is going to go bad over night just because other people who had't to comply in the past will now be required to do so. I also think its bad practice for a Qualified Electrician honest or not to be allowed to Certify his own property, by all means keep it in good condition but some other Registered Electrician to certify not the owner.
From:
Michael Foley
25 February 2020 17:06 PM
I believe the money for HS2 would certainly be far better spent on Flood defences, why not ask the huge numbers or people who's lives are affected & their Homes ruined again & again. When I go on Train or Tube,(if I can get on there). I see the droves of people going in opposite directions, the same goes for road traffic it makes no sense, job match / job swap has to have huge potential to stop all this unnecessary travel, waste of resources, traffic pollution, environment as they talk about saving the Planet. 100 billion £'s saved by not doing HS2 (probably more than that no Government project knows how to keep to Budget anymore) would put a stop to so many areas getting flooded saving Lives, Homes, Farm Land, crops, environment, Life Stock and farm land. I think flood defences can usually be quiet easy to do but don't ask highly educated Digital Academics they'll put the mockers on it. I worked on the banks of the Thames many years ago and they were hydraulic driving heavy duty steel interlocking piles, seemed very simple, water tight & effective with very little noise, methods and equipment will have improve since so just do it. Regarding building on flood areas it shouldn't happen but when it does Planners can cause many problems, like making a Developer work to a datum much too low, in some cases a couple of more rows of blocks below DPC would be sufficient to raise it up and possibly escape the flood entering the property. Apart from all this but alas too late stop American style Farming removing too many ditches, hedge rows that used to restrict the rain water run off and peregrinate gradually.
From:
Michael Foley
23 February 2020 09:23 AM
Hi Paul I take what you say on board but my view on capacity is different & haven't changed in 50 years whether it moving people or goods about, its all daft to my mind. I seen so many people over the years going from one Town to an other and other way around, same goes for with-in City's , say London huge numbers of people going East to west or South to North or which ever way ridiculous journeys unnecessarily so. people in same walk of life whether in business, office or trades people for similar work that they could have done on the door step virtually, the same goes for between towns. Surely its not beyond the wit of man to job swap now that for most part similar work terms, conditions and work pay rates. Just how many billions of hours would be saved travelling whether on Train or in vehicles and cut pollution no end, a great deal more than congestion penalties. People would have more time to spend with their Family's, the same goes for shipping goods about many things could be produced in factories locally, like in engineering industry instead of importing, of or even farming do we really need to import spuds etc. It should be so easy to set up the data Base already exists I am sure with HMRC they know who everyone is, where they live, what they do and where they work, how much they earn, are we really so stupid that we waste a huge amount of our lives, wearing ourselves out travelling to & fro at great expense.
From:
Michael Foley
21 February 2020 21:45 PM
Why not scrap HS2 (£100 billion project) and do all the Flood Defense's instead I am sure it would be far more beneficial to the country helping millions of people long term, who cares if it takes us 30 minutes extra to go to Birmingham or not. Then I am sure Aviva will look more kindly on your insurance Application.
From:
Michael Foley
21 February 2020 18:45 PM
I don't understand it either the 2 biggest factors, Assured Short Hold Tenancies & S,21 that will be on your mind when deciding whether you should buy or continue being a Landlord, obviously all those new lame duck organisations don't know why those 2 measures were introduced. LL's are now encouraged to educate ourselves in order to deal with the stupid unnecessary bureaucracy that has been imposed on us. We are encouraged to do Courses and I have done a few to no avail didn't learn anything at all unfortunately just bullsugar. They don't understand we are all about supplying quality Affordable Housing. Their courses are all about administration, paperwork, computers to deal with stuff they invented not actual housing. The most recent Course I was on was Taxation of every kind a full day Course but came away from that non the wiser. I was more surprised by the 2 biggest things that were left out, s.21 & AST , apart from that they went through a load of scenarios of every kind until evening time it had gone around full Circle and we were back to where we started nothing gained as far as I could see what ever you done. Regarding putting your property in a Company it could work for some you would only pay 19% tax on your income but caught for capital gains tax on way-in probably but then all your acids have to go-in to the Company, so everything belongs to the Company but you will get hit big time if you want money out of the Company it all seems pointless unless you have large borrowings then you are not affected by S,24 & get the loan interest tax relief. They didn't say what tax changes are in the pipe line already for this April either, say if you previously owned a Property that you lived in for a number of years prior to renting it out, currently you get allowed relief for the years you lived in it, also you were allowed £40k because it was once your residence plus also your wife / partner got allowed £40k if they were named on the Deeds, then you got 1.5 years relief after you left the property, (now getting cutback to 9 months) you also had up to a year to pay the capital gain tax now it has to be paid with-in 30 days of completion etc, etc, so are they giving us anything positive at all to work with ? but the Course didn't tell me any of this. Regarding the above its how I see and understand it whether its right or wrong is another matter just a lay persons point of view, you will have to take your own independent advice.
From:
Michael Foley
21 February 2020 15:53 PM
So Charity's have to be Registered, it seems very strange that they don't supply Housing but keep dictating to us how we should be doing it. To Register a Charity it would need a name, have this one not got a Name ?
From:
Michael Foley
20 February 2020 18:33 PM
How some of our readers can think we are greedy or only want to increase profit margins is beyond me and certainly not true, as our regular contributor in Scotland enlightens us as to the scale of charges in different parts of UK by comparison £ for £. The myth that London rents are too expensive can be put to bed. I see that a large House in parts of Scotland can command a rents of £25K pa, compared to Houses I have in west L'don with similar rents but the property will cost you 3 times as much to buy for sure so anyone that thinks we are only concerned about profit margins can think again, perhaps I should consider a rent review tomorrow.
From:
Michael Foley
18 February 2020 18:31 PM
Hi Mark, so you think it's all about profit margins, spare a thought for those LL's trying to keep their head above water while being attacked from all angles.
From:
Michael Foley
18 February 2020 16:24 PM
Don't forget probably the biggest one of all the removal of section 21.
From:
Michael Foley
18 February 2020 10:03 AM
Yes David we are but I covered that one with Governments 'Right to Rent' same thing really.
From:
Michael Foley
12 February 2020 15:59 PM
It's not just Tax changes is it ?, section 21 threat of removal, no fees chargeable, Stupid tenancy agreements by DCLG (unusable), now they want us to tolerates dogs as pets, previously had Tenant with 2 large dogs never again, let the minister have those, Deposits debacle, 10% Wear & Tear gone, 2015 anti-private landlord Deregulation Act, when they failed with Private Members Bill. How to rent by Shelter & changed 9 times in just 5 years not required & should be scrapped, Gov' Right to Rent / unworkable / ICO, Selective Licensing schemes, Additional Licensing Schemes, Mandatory Licensing schemes, so many more things all placing a huge financial burden and work load on private LL's, we pay for all, all, all. We pay them to destroy us good isn't it.
From:
Michael Foley
10 February 2020 09:32 AM
Agents loose a big chunk of their income because of fees ban which is very true, while I am not a big fan of Lettings agents I acknowledge they do provide a service which has to be paid for, they have premises / probably leases business rates and up keep to pay for which is not insignificant, give employment to large numbers of mostly young people, cars & travel costs, that said its a matter for private LL's if they want to use them or not. However, there is a big chunk of Private LL's income lost as well due to unjust Regulation which only applies to some LL's, its total discrimination if you let to sharers usually working sharers, with the outrageous licensing schemes that don't apply to family's mostly on Benefit or Related people usually on Benefit, main stream Family's have their own homes that they had to buy & are not in general on Benefit as Gov' has power over them and can take a swipe at their property. The Council's / Gov' / Shelter has imposed a huge burden on Private LL's at Zero cost to themselves not even one penny, no need to say what those are, driving thousands to the wall & Auction Rooms then Land registry can tell us how good sales figures are or to Airbnb because of no other choice or be Bankrupt, making it far more difficult for Tenants of any denomination to find good quality affordable accommodation.
From:
Michael Foley
07 February 2020 14:27 PM
They surely do live a different life style, have far more education than my generation as we didn't have the chance but they don't want to buy Property, although Gov' is doing their best to force them then they will have power over them. They are queuing up to get on the Council as the millions that are on there already, Temporary accommodation or babies is the first step without the aid of Section 21, ever since Government designed a system for them to smash the stable self-sufficient family unit in preference to broken family's.
From:
Michael Foley
02 February 2020 09:13 AM
Why can't government even tell the truth about the current Deposit Scheme, in their Election campaign they were saying that Tenant were waiting several weeks get their deposit back, when we all know the Landlord has only up to 10 days to give it back after Tenants vacating the property by Law as I understand it, so whats all this about another rubbish unworkable Deposit Scheme being imposed on us.
From:
Michael Foley
31 January 2020 15:45 PM
This article is very true by ARLA, this is what I have been at pains to point out for over a year. The Government say they want to have stable long term Tenancies but have introduced policy's to do the exact opposite, are they really in charge of us ?. However there is far more to it than that. We know s.21 is going, s.24 gone, Deposit debacle by Shelter in 2007, How to Rent nonsense by Shelter changed 9 times in just 5 years (might even be another one I don't know, check before serving or application invalid) Right to Rent by Government, De-regulation Act by Shelter 2015, we know there is loads more and we are weighted down with paper work our labor is free, can we not even have minimum wage for all this unnecessary work imposed on us. I don't see anyone else working for nothing. Thousands of Landlords are and have exited the market, thousands more have switched to Airbnb, hence 80'000 rooms on short term platform in London alone so are not available for normal renting to regular renters, all those thousands of LL's combined are not available to offer normal regular lettings not alone longer Terms Tenancies. The point the Articles keeps missing is the outrageous HMO schemes costing me thousands of £'s pa. This don't apply to related people, what ever on earth that's got to do with anything I don't know it seems those people are making the rules to suit themselves and their friends. This is also again like the rules for Short Term Lets virtually nothing applies and get double the income as us, incidentally I don't let rooms but have several HMO's that I never wanted which are imposed on me by Government & Local Authorities, that make no contribution to the schemes whatsoever. LL. pays for all including licensing fees, any extra visit Council makes charged @ £83 per hour, huge amount of compliance work imposed with those HM0's that don't apply to related persons or short term lets, then so many regular Certifications of Electric, Gas, Emergency Lighting, fire alarm systems etc. I could go on all day about the damage they have done to us but have so much to do and I am not paid like Council staff to sit there and who have no responsibility.
From:
Michael Foley
31 January 2020 12:36 PM
I agree Andrew generally all Tenants get on with me & I deal promptly with any issues arising and no Tenant ever left on bad terms and would rent from us again, many a call back to see if we had anything available, some recently even said they were sad to be leaving as they see my wife & me as Family rather than as Landlords. I never kept a Deposit or even part of in 41 years, Having put about 2000 Tenants through my hands personally of all classes, cultures colors, and nationality's, that's saying something there must be Tenants of ours current or past out there that will see those blogs and are liberty to challenge if its not true. Council's interfered to do as much damage as possible, not withstanding this last 15 years when Councils took a sledge hammer driving a wedge in between Landlord & Tenant . Sorry Marc Da Silva, Regarding the Article of Hillary's. Co research is absolute rubbish in my experience.
From:
Michael Foley
29 January 2020 15:32 PM
Sorry don't want to get away with anything and never did different culture, this seems to be the mind set of Regulators.
From:
Michael Foley
29 January 2020 10:41 AM
There is no doubt some Tenants break the rules whether Sub-letting, Arrears, Airbnb, Damage, Overcrowding, Dogs, Dumping rubbish etc, because their rules are not like LL's rules, no £5'000. fine first offence civil penalty or up to £30'000. second offence + Criminal Record, so no consequences for them no worries, what ever happened to the Scales of Justice. Regarding the 80'000 rooms listed on the Short Term platform obviously caused by over Regulation of LL's, forcing them to switch from regular letting or get out of Business little choice, so Government wants stable long Term Tenancies, you can't square this one just imagine that they are deliberately forcing LL's by Law & Regulation out of long term Tenancies, so no option but to switch to Short Term Airbnb style, of course one of the main drivers of this is the Removal of Section 21. Congratulations.
From:
Michael Foley
29 January 2020 09:46 AM
I think the Airbnb £3k extra pa, is a bad joke. I believe its several times more than that, I live in the real world, so now you might realize the gravity of the problems caused by removal of Section 21, which is the main driver of this. Ah, yes the Government wants to create stable long term tenancies so this is how they propose to do it, this is their joined-up thinking, NOT. Fill the Auction houses & Rooms in Hard Rock Hotels with LL's getting out, then the Land Registry can give you the stats' about how good the Sales figures are. Perhaps you can now see why Airbnb has 80'000 rooms listed, its LL's been driven out of regular letting as a direct result of section 21 removal, Congratulations.
From:
Michael Foley
28 January 2020 10:52 AM
So now are are supposed to say nothing while we are being being wronged & taken to the cleaners, abused & taxed out of it, robbed & criminalized, pay for everything and worked to the bone just to keep the Regulators in fat jobs plus Local Authorities fill their pockets with stupid fines like £5k first offence civil penalty or possible £30k second so called offence + criminal record, what ever happened to the punishment to fit the crime or is it even a crime, is it any wonder the prisons are full and people loosing respect for the law, so we are supposed to say nothing & keep saying it, now bordering on illegal to tell the truth.
From:
Michael Foley
27 January 2020 19:03 PM
Regarding Tenancies since 1988 (before that it was different) I have let initially on 6 months or one year Assured Short-hold Tenancies, subsequently I might have renewed on going with more Assured Shorthold Tenancies Agreements in a similar manner or let them become Statutory Periodic Tenancies which meant they continued on the same bases and conditions as original Contract. However, regardless of the above any Tenancy starting after 28th February 1997 automatically became an Assured Shorthold Tenancy whether you had it signed up or not unless it fell with-in paragraph in Schedule 2A of 1988 Housing Act.
From:
Michael Foley
24 January 2020 19:28 PM
I have always had long term Tenants on Assured Short-hold Tenancies but now they are taken that option away. I am no longer interested go to Hell do what ever you want as you always do keep the scroungers. I been to several LL /Council meetings and they want to keep driving home how important the Private Rental is. How can they get away with that while doing everything in their power to destroy us and LL's just sit there like lemons and say nothing with their mouth open but nothing coming out.
From:
Michael Foley
24 January 2020 10:17 AM
Yes I think Section 12, rule 13.
From:
Michael Foley
22 January 2020 18:41 PM
Electrical Certificates becoming mandatory in April 2020 as understand it but we have them for years already because of one sided HM0's Licensing that only applies to people who are not related in the same household, but we all know who are related and the culture they are many on Benefit & housing Benefit and no rules apply. I wonder if the Section 13 you refer to in the same one that was used in a case that I was party to. The case was brought to tribunal under Section 12 which said it shouldn't cost anymore than £500.00. However, it ended up with opposition lawyers claiming costs under 13 & Tribunal allowed which means unlimited costs, if that was law before we applied we may not have applied so we got hit. Subsequently it became case law which means anyone is not likely to go there with this scenario in front of them, really unlimited costs who is going to take that on.
From:
Michael Foley
22 January 2020 15:35 PM
There is a lot more changes than that coming coming in April that you didn't mention as long as your article is. Many thanks
From:
Michael Foley
21 January 2020 16:03 PM
Housing Courts a waste of time, there are not going to give the Landlord any protection but more likely to side with Tenant as now and in any case if Courts has to be a part of your Business plan, its not a business or plan just a dysfunctional operation.
From:
Michael Foley
18 January 2020 12:21 PM
I am quiet sure that getting rid of Section 21 will create far more defaulting Tenants as they will have nothing to fear. I suppose that is what regulators want, to destroy us and sell their sky high inferior boxes with no gardens to our Tenants that they can't afford & will have a noose around their necks for next 25 /35 years. I thought we might have learned something from the high rise mistakes of the 1960's but obviously not, then again we don't learn from what causes recessions either.
From:
Michael Foley
17 January 2020 22:41 PM
No to Housing Court or Tribunals we don't want any of this, just leave Section 21 alone. I campaigned for so many years to have it introduced before the vast majority of you were LL's but benefited from it enormously as did the quality of housing as when most people buy a property the first thing they wanted to do is improve it, so no cost to tax payer or government and the economy also benefited as did the revenue so please stop all this nonsense. I don't know where some people get off they are now campaigning for laws to stop gazumping are they completely out of touch ?. I know people being knocked for tens of thousands of £'s of the real value of their property by the buyers who only buy if they get a bargain and to cover Stamp Duty etc. The seller would be amazed if someone offered more, the chance would be a fine thing instead of getting taken to the cleaners. Campaign for retention of s.21 instead.
From:
Michael Foley
17 January 2020 21:47 PM
I have all those certificates already, General Electric Periodic, Interlinked Fire detection alarms, Emergency Lighting & Monoxide alarm, but don't like the Pat testing regulations you are on about because of the nonsense it makes you do, for example its every year for some appliances but if wire-in directly via spur connection its every 5 years for, fridges / Freezers, washing machines, some ovens, or other heavy appliances etc, which is a cursed nuisance and more dangerous especially when they break down & need to replace or not least when Tenant decide to start moving them about, regarding phone chargers belong to Tenant we can't cover them anyway only the Sockets and how many do they have of change willy-nilly.
From:
Michael Foley
17 January 2020 11:20 AM
So they didn't Survey Private Landlords then ?, no one worried about our mental health / well been or our financial situation but I forget we are not human, dogs have more rights than us, enemy No.1.
From:
Michael Foley
17 January 2020 09:08 AM
John McKay, well said you are a star, and then they turn around and complain about the cost of housing that they caused. They have ruined us which was their intention, driven a wedge between LL & Tenant, pretending that they are their friend while making rents unaffordable, it's no use buttering up Tenants while at the same time robbing them with silly regulations, they also have limited means.
From:
Michael Foley
16 January 2020 21:15 PM
Most are false Claimants and shouldn't be getting it anyhow, you have destroyed a whole young generation encouraging them to adapt their lifestyle to suit the benefit system, once it has taken hold they can't live without it, how many more lives are you going to destroy, its like a disease, pushing bogeys and sitting around coffee bars trying to waste the day getting fatter.
From:
Michael Foley
14 January 2020 14:52 PM
Yes Fred, I have a real problem its taken me 41 years as a Landlord since 1978 to become Qualified Stupid, Cheers.
From:
Michael Foley
13 January 2020 11:10 AM
It's all rubbish especially O'N'S, I don't understand any of this, what is an average Rent you are lumping everything in together so no way of knowing what anyone's Rent is. Why not tell us average Rent for say one bed Flat / 2 bed Flat / 3 Bed Flat or House / 4 bed house, for region etc, but its all put in together and no way of knowing an average Rent for anyone or where ?.
From:
Michael Foley
13 January 2020 10:29 AM
Why again is it only Landlords this applies to ?, what about the other millions of properties that are not Let and by far greater numbers of Houses & Flats, are they not any problem for the Environment. This is just like the HMO unfair Licensing schemes that only applies to some people, if related usually milking the benefit system, sometimes any number to the room, applications now on line no problem for them 75% now apply by their phone internet, so no need to leave the bedroom, (good system) not.
From:
Michael Foley
10 January 2020 11:05 AM
More rubbish you caused Grenfell Tower Disaster killing 72 people RIP, with Technology you revolutionized that alright, so you sit on your hindquarters listening to other morons and come up with more rules for us, never mind putting tags on doors just remove the wedges that's keeping them open.
From:
Michael Foley
08 January 2020 13:38 PM
So affordability is the number one issue, why then did Government deliberately make Private Sector Housing unaffordable.
From:
Michael Foley
08 January 2020 13:24 PM
Lets not wait & see we know already, if a LL is willing to let to the Tenant with pets its between them, so why would Minister be getting involved only to remove LL's rights. They must thing we right mugs, once bitten twice shy.
From:
Michael Foley
07 January 2020 10:46 AM
Stop just stop who are all those people destroying our lives, do they think we never had tenants with pets before which is why we don't want them anymore, they destroyed my property and I was the one picking up the Bill maybe you like dogs mess in the carpet & hairs everywhere. Some Tenants like Public in general are no better than animals themselves, when I see the way they leave the Toilets in local Supermarkets. Mr Housing Secretary Jenrick so you think Tenants are having a hard time without pets, try being a LL live in our shoes the shoe will soon be on other foot, no mention of our mental health / physical health or wellbeing just hound us from every direction. Housing Minister why are you in this job you clearly know nothing about it so now you have rush of blood to the head. MODEL TENANCY AGREEMENT that have cost me potential Tenants in the past and unusable it should be scrapped altogether, surely the DCLG could do better than this or keep their nose out of it, the last one I put in the Bin was 46 pages on its own, are you for real do you think a Tenant is going to sit there long enough to read that rubbish, then I have another 46 pages of Rules, Regulations, Documents, Certificates of every kind to burden them with, Congratulations).
From:
Michael Foley
07 January 2020 09:49 AM
I am sure there are and I believe they would be delighted to live in them but there is a missing link, to source them out and connect them to the people that needs them, its not rocket science. There are many current homeless organisations & registered Charity's but are too busy knocking private LL's who house millions of people and lining their own pockets to care about the homeless. Many paying themselves over £100k pa, its disgusting.
From:
Michael Foley
02 January 2020 18:05 PM
I can't understand why there is not proper information about how many are homeless, if big organisations could stop exaggerating / media and stop telling lies it might be easier to find a solution.It seems there are 4000. on the Streets the best anyone can tell. However according to Shelter 320'000 are homeless this is a distortion and not doing the unfortunates on the Street any good at all & I feel for them. What those organisations are doing is counting people in some social housing, bed & breakfast and temporary accommodation as homeless. They are not homeless as far as I am concerned if you have a roof over your head, a bed to sleep in, heating, hot & cold water you are not homeless but accommodated, so stop the lies & give priority to the rough sleepers it can't be that difficult for a wealthy nation to house 4000 persons, it could be done tomorrow and if anyone disagrees with me then you try sleeping outside this time of year. I know what its like I got a taste of it in the 60's. Regarding initial beginners first long term Tenancies this shouldn't forced on LL's making him reluctant to take-in vulnerable people , when a LL is happy with his Tenant he is not going to get rid of them. Maybe its the Housing Ministers that need long term Tenancies as I recall we had 7 / 8 Ministers in as many years.
From:
Michael Foley
02 January 2020 17:17 PM
I to have always taking advantage of void periods to do improvements often making the property better than my own, but not anymore I will do the bear minimum due to the fact I have been mugged by rogue regulators & extraordinary unfair taxes to favor Corporate Companies & Developers to build thousands of Flats not required at Private Landlords expense. I now have no confidence whatsoever in the people who have set themselves up above us making all the rules for the sake of making rules. They are now saying we should get educated which is understandable but for only one reason for us to be able to deal with the heap of rubbish they have dreamt up, so nothing to do with housing then. It's a pity they didn't tell us that 40 years ago and we wouldn't have the misfortune of becoming LL's just to supply accommodation for other people, pay taxes through the nose be blaguarded, criminalized and now classed as rogue by rogues. Its a good job the Town was built before those Digital academics were born, do they not know the Town was well built by people who only had a birth certificate, far better than anything going up now ? where is the Architecture gone just rectangular boxes cladding fascia with plastic or zinc, then roping-in first time buyers for those @ £400k + a time in London it's disgusting, someone needs educating and its not us.
From:
Michael Foley
31 December 2019 18:48 PM
Sorry I forgot a minor incidental its just the Billions of £'s taxes to the eye balls we pay. Happy New Year.
From:
Michael Foley
30 December 2019 21:05 PM
Its just anything & everything to destroy Private owner Landlord operate, they complain about the quality of housing / the cost of housing yet the so called regulators have taken & continue to take hundreds of millions of £'s out of the sector by licensing, fines, penalties, confiscation orders, maybe £4k expenses for a Council member to trot along to Court for a couple of hours. It seems to me & well documented there are over 170 pieces or legislation governing our business, that says it all ,we are burdened to the utmost. However, notwithstanding that they want more like in Queens speech no less we another mammoth book of rules coming as if we didn't have any namely The Renters 'Reform Bill' try reading that but get a health check first or you might not live to the end not that anyone has yet to mention the LL's well being of care.
From:
Michael Foley
30 December 2019 20:59 PM
OK but I think there is a bit more to it, there can be more circumstances than the Tenant not paying you, so rent may not be the only reason you want them out, once they know they have guaranteed status they are not necessarily going to be bothered how they behave & you'll be powerless to Act just like now regarding access, that has created sub-letting & over crowding nation wide that never happened when we were in control. Relationships do break down just like people that once were in love but then get Divorced and hate each other, we'll be the same and they'll be holding all the cards.
From:
Michael Foley
28 December 2019 21:19 PM
Longer Tenancies is one thing I have has some 10 years on Assured Short Hold tenancies but to give someone a longer tenancy as of right in the beginning is completely different thing altogether and a non-starter for me and I have been through the mill often enough to know.
From:
Michael Foley
28 December 2019 11:28 AM
When doing away with the 10% wear & tear allowance we were told we could claim for furnishing but now you have a different story, only replacement just keep pushing the dagger further-in.
From:
Michael Foley
27 December 2019 09:02 AM
Robert you are right no doubt. This is just more meddling and interference , we reared our Family, when they get to 16 they are making life decision but you still want to see them as 5 year old's. Shelter has taken over our role with How to Rent as if the Tenant is going to read it.
From:
Michael Foley
23 December 2019 18:43 PM
I have no doubt about what drove up House prices & cost of Housing. The Bank of England bringing down base rates too low, the base rate used to be around 5% + lenders charge probably 3% on top. They kept lowering the base rate below which was never the case to my knowledge, abolishing Savers over night then they were left sittings with their in the Bank earning nothing so they had to do something. They bought property that they didn't necessarily want or need all bidding against each other driving priced through the roof. As well as that the Woolwich Building Society started giving out buy to let mortgages playing off one property against another until some individuals had dozens of properties & nothing fully paid off, totally Tax efficient, we never had this nonsense before this as I always had Commercial loans. Then the Gov' / Local Authorities got stuck into us with Licensing Schemes coupled with requirements costing many thousands of £'s per property, now add s24, How to Rent, Right to Rent, Super SDLT, increased c/gains, Deposits messing, De-Regulation Act, many more so no need to go on, are you still wondering why letting got expensive, the people that caused it are still shouting and have no in put but are beneficiaries. The Rogue LL syndrome is a bad joke we all know who they are, They are exempt from Licensing because they are letting to related people we know the culture and who they are and probably related to the Tenants themselves or cousins brother uncles mother by the 31 button hole, what has related got to do with anything it nonsense, we are supposed to be all equal before the law ?, The people in the Civic Centers & Government departments making one sided rules.
From:
Michael Foley
20 December 2019 22:41 PM
I would have no problem with that and I believe they know already anyhow in many cases from the licensing schemes, as when I apply for a license in some Boroughs they require a copy of Tenancy Agreement with the application. Apart from that I know many tenants will be approaching the Local Authority with their copy to claim something that I will not necessarily be made aware of as there is collusion between Council & Tenant in this respect (tick the box if you don't want LL to know).
From:
Michael Foley
19 December 2019 22:29 PM
So as landlords we are supposed to be so stupid that we are encouraged to educate ourselves and do Courses to achieve this. The fact of the matter is, it us who provide the accommodation to house all those highly educated people, the Albert Einsteins of the future who can't house themselves. Really and we are the stupid ones.
From:
Michael Foley
19 December 2019 21:02 PM
It didn't say how many were on Tenant Agreement, or if the 15 were paying rent to the Landlady or whether sub-letting was involved by the Tenants which I suspect it may well be the case as she would have be powerless to Act and excluded from the property law yet be responsible for everything for everything outside her control, this is very common which is why LL are suffering in silence and hoping for the best. In any case its no laughing matter.
From:
Michael Foley
19 December 2019 20:35 PM
It doesn't matter whether HM0 is high yield or not I hate the whole 1960's Slum concept of living in rooms, very often washing, showering, cooking, living with cooking smells, increased risk of fire due to people cooking in rooms if not every-room in some cases, each one potential a serious hazard etc.
From:
Michael Foley
17 December 2019 20:36 PM
Well said Mr Khan and congratulations for putting the record straight, the Regulations are all one sided stacked against the LL, of Course we pay for all, all. Council pays for nothing and load us with requirements driving up our costs then turn around and have the cheek to complain about high rents that they caused. Shelter also has no input into Private Sector Housing as well as other lame duck organisations then shouting from the roof top about Private Landlords should conduct their business and how we need to be educated, education was wasted on them if all they can do is complain about everyone else and live off our backs.
From:
Michael Foley
17 December 2019 13:35 PM
Of Course LL's plan to re-Mortgage how else do you expect them to pay s.24 tax, its either that or get repossessed , some option. Regarding the NLA I am sad to see Mr Richard Lambert CE0 is going at end of year, he tried so hard but fell on deaf ears, what chance have we got if he couldn't get anything through after he previously worked in junior Government Office and know the ropes. He tried his best to save s,21 too.
From:
Michael Foley
16 December 2019 21:51 PM
Hi Ian, no I did not & never will buy a property with a tenant in place, you are not going to get the true value of your property or be able to improve it either. I find my own Tenants like I have done for 40 years so I will leave those to you and the slum LL's from over seas who like to buy at knock down prices.
From:
Michael Foley
16 December 2019 21:31 PM
No David you are not the only one, I am the other one who don't take deposits anymore or do Inventories which I had always don't for 30 years until the they made Deposits a liability for LL's in July 2007. There is no stopping them in particular this last 13 years, more & more anti-landlord regulations all paid for by LL's to destroy himself. Now we have RLA agreeing with many parts of the Political Parties Manifestos to the determent of LL's, like lifetime Deposits it's a non starter for me, just give us back the traditional Deposits that we used to have & never mind your transferring nonsense. They all forget it's our property they are talking about not theirs, yet all those lame duck origination's set themselves up above us want to make all the rules & laws about how everything should be while they have no input only bullsugar all making a living off our backs. Then they want to tell us to have open ended Tenancies, hello are you feeling ok this is sitting tenants again like 1960's its not on, then Council wants us to have their permission to be able to sell vacant possession, although they say it's ok if you want it for a Family member or live there yourself. I say none of their business whether we want to sell not sell or keep its not their property, when we bought we didn't need their advice or get any of their funding so why then should we require their permission to sell. I know the Section 21 was abused by Tenants to get Council to house them, many acted up in different ways to achieve this but you blame the LL for all, it would be interesting to see the figures on how many Tenants turned up in Court to oppose the eviction ? not many they are not stupid they are hardly going to challenge something they want. It's Government Policy is wrong why should have a legal responsibility its a right nanny State tell them to take responsibility for themselves. The other thing dedicated Courts backed by RLA which is misguided, we want nothing to do with Courts we had enough of that with S.21 where by LL couldn't end a Tenancy without going to Court but Tenant could walk away at anytime, just like the new proposals tenants can stay or go anytime but LL can be stuck with them for lifetime if tenant chooses, what ever happened to the scales of justice it well lopsided. Dedicated Courts probably a kin to 1st / upper Tribunals, I seen first hand how that works but probably not allowed to say so I wont. Although I might be allowed to say this procedure was the cheap inexpensive way to resolve problems / £500.00 under section 12 but when lawyers get at it you might find yourself dealing with section 13 and unlimited costs.
From:
Michael Foley
30 November 2019 21:02 PM
Why bother when we are being forced out & bullied, still no one fighting our corner all political parties have pledged to continue to destroy us, each one with a bigger knife. I don't know why LL's should be worried about Contents insurance when we have lost control over our property & put in an untenable position. This is what removal of Section 21 means no control over your property which also means the end of Assured Shorthold Tenancies, that has worked well housing millions of tenants for the last 30 years with all the protection they ever needed. The Landlord was always at a disadvantage even as things were because only the Tenant or the Court could end a Tenancy not the Landlord, so that was very unfair to LL and despite all this they take it away and make it even worse, now they want to tell us we should educate ourselves and get ready for the next big thing they have in the pipe line to damage us or make us extinct.
From:
Michael Foley
28 November 2019 17:49 PM
I had a so called Company who sent their representative to me this summer when I had a property to let, he insisted they were a Company specializing in accommodating for wealthy people from Middle-east and would take the property for full rent. He kept coming back for two weeks trying to get it and couldn't understand why I would not give it to him, he told me they had 46 houses this way and never had a problem. I have no doubt they are operating as Airbnb and with the others also, obviously they would make as much income as me and money in the Bank prior to occupants arriving, nice work if you can get it, just imagine they make probably more than you without owning anything or Mortgage to worry about. They are in direct competition with us without having all the mad rules / sanctions / Penalties / licensing schemes etc, have control over what they do unlike us that have no control whatsoever over our property anymore, now that the last glimmer of control is gone with the removal of Section 21.
From:
Michael Foley
27 November 2019 21:56 PM
What a load of rubbish, it's the end of the uncertainty alright, it's now certain that they have destroyed us, collapsed the traditional housing market and replaced it with I Large Institutions, building thousands of flats clearly not required, removal of Section 21 was the last straw and completed the certainty that we can no longer be viable and forced out. This was all deliberate vandalism by regulation to achieve their aim this last 10 / 15 years, we all know what happened no need for anyone to tell us that, then they try to tell us its about Brexit although it is a factor it a drop in the Ocean compared all the other restrictions, costs and work load they have imposed on us. I know Brexit has caused many east Europeans to go back whom we'll miss as they are a good culture and know how to live properly. However, its our loss but it's the rogue regulators that destroyed us as I was a LL for 25 years before the east Europeans came. Now that they have removed S 21, S 24, lumbered us with expensive licensing schemes all funded by us so no cost for them whatsoever regardless of what they do, complain about high rents that they caused totally & blame us, but only if we don't let to people who milk the system / family's as I never had a family approach me saying they were paying for themselves and don't some local Authorities have a box for them to tick if they don't want LL to know they are on benefit (with holding information we can't do that). Now that they have destroyed us they turn around and tell us everything is going to be great / Certainty, they really take us for a bunch of clowns.
From:
Michael Foley
27 November 2019 17:56 PM
I see so much talk & surveys about cash buyers but the reality is so much different. I have bought supposedly for cash but it was never the case. I couldn't get the loan on the one I was buying for one reason or another including the slow process of getting a loan on the one I was purchasing, then had to borrow against my existing House, so then I am considered a cash buyer, maybe they Landlord knockers & statisticians can absorb that, (so no loot in back pocket).
From:
Michael Foley
26 November 2019 11:12 AM
Hi John, of course you are right but it's only the lesser of two evils, so we have to go with that, the small comfort that it is.
From:
Michael Foley
26 November 2019 11:00 AM
Well it's now clear section 21 is all but gone, all main political Parties have now spoken each one in their turn have pledged to destroy private Sector Housing more than the other, even to the extent of £100k fines, they should be ashamed of themselves, it's a national disgrace for them to campaign on a General Election on this bases. The Private Rented Sector the second biggest provider of Housing in the Country for decades, housing millions of people at no cost to the Government, it's not our fault if Gov' has a policy to house everyone regardless whether Benefit Claimant or false Claimant by the million, sure usually a woman with children & supposedly no partner but they will be there for free costing billions of £'s, so every one wants to be on the Council to get subsidized housing because they are not stupid the system is there to be abused, there are now so many no one will challenge them least of all my MP who has been elected 5 / 6 times each time with a bigger majority on the each of benefit claimants, he was also supporting get rid of S.21. The Tenant is the cause of getting rid of S.21 it was their sure track way of getting housed but all Political parties blame the LL it's a disgrace. Of course we have Shelter CEO given air time on BBC saying how bad we are for decades & who is paid £126k pa but don't supply any housing isn't that a bit rich. There a load more organisations incl' university of York all banging the drum about how bad we are, amazingly none of the groups supply any housing isn't the best footballer always in the Stand. Why does all those anti-landlord people want to drive a wedge between LL & Tenant just to damage both parties which is what they have done. On another issue if LL can get rent guarantee insurance then you don't need it they are unlikely to stand in front of you when the chips are down. So might as well scrap the Election no one to vote for again.
From:
Michael Foley
25 November 2019 22:05 PM
So the Premier thinks the transfer of deposits is a good idea, make the process of moving easier & cheaper, is he having a laugh or that much out of touch with reality of being a private LL. This is akin to having no Deposit or Control not that it matters much to me I don't have Deposits because the existing schemes is so useless and used in the Courts to stop LL from getting possession, that's how much confidence have in them. I very seldom wants to get rid of anyone who is paying me anyway but I have to know when the chips are down I can recover my property, after all it is mine otherwise whats the point I am not social Services. It's hard to comprehend that supposedly all those highly educated persons whether from Eton, Oxford, Cambridge, Harrow etc, are so clueless and in charge of us continuously coming up with evermore nonsense, God help us. Now that Government have taken away Section 21 obviously to stop Tenants jumping the queue and getting housing they are not entitled to but to blame LL's, the real reason for getting rid of Section 21.
From:
Michael Foley
23 November 2019 10:02 AM
Tenants will be disappointed to see an end section 21, it has being their sure track way of getting Council to House them. I know many colluded with LL's to be evicted & even filled out the forms for LL to sign as if he had any other choice because he knew he had trouble if he didn't. The alternative was also a very good way of getting Council to house them, stop paying the Rent blame everything and get 7 / 8 months free renting while LL goes through Hell & procedures to get the property back, then they were off to Council armed with County Court Order to get Housed. I have used it genuinely about 10 years ago when I was owed a years rent. I got the judgement for vacant possession & order to have my rent paid + % unfortunately I never received a penny, good system isn't it.
From:
Michael Foley
22 November 2019 14:19 PM
Why would anyone want all LL's to be registered, does that include already HM0 registered licensed holders. Brent is now Borough wide as I understand it, so don't any LL out there think it's optional but only include half the LL's as we have total Discrimination against LL's who comply, the other half are milking the system in cahoots with local Authorities, all and everyone who are family connected is fine by them, maybe a dozen in the property, no license required, whats that got to do with anything the LL that is renting to them should have to comply with the same Regulation as everyone else, it's utter nonsense. It doesn't take much working out the people in Civic Centers & Government departments who are making those rules are looking after their own but must not think such a thing so I digress. The other thing not much talked about is the £1,billion spent this last year putting people up in temporary accommodation, now that the Tenants can't use Section 21 anymore to get housed by the Council, the real reason of course that Government wanted to be rid of S,21 but try to blame us (cowards). The huge increase in the cost of temporary accommodation is a direct result of this move, sure we all know that if S,21 can't be used to get housed this is the new stepping stone for them to get Council Housing, it's a prelude to Council housing.
From:
Michael Foley
16 November 2019 13:29 PM
Government always win they hold all the aces, their policy's has been a huge success at achieving their aim of destroying Private Sector Housing, why else would they have different rules for private LL's. They are rubbing their hands with glee every time a LL sells up another huge amount of SD that they would not otherwise get if not also exit taxes as well. I don't have the luxury to increase rent to cover costs in my area as already struggling to hang on to the ones I got. All this happened under the watch of a Conservative gov' that's supposed to be for & promote private business, general election on the way but no one to vote for again as last time so no point in me having the vote, all the party's seem to me to be on the band wagon to crucify private LL's, so we are supposed to vote for someone who is out to destroy us.
From:
Michael Foley
11 November 2019 08:23 AM
Well property to meet relevant standards sounds fine but reality is very different the houses were build long before those regulations introduced, so that hit the nail on the head and means 90% of existing stock don't comply. That said they are still very good houses and well constructed with masonry walls beneath slate or tile roof, unlike modern flimsy studded polystyrene /poly foam insulation wall construction of today by the million & seldom anything else. Its a bit like telling a car manufacture the car you already built don't comply with the regulations I just invented can you take it apart & re-build to comply but don't worry about the cost you can pay for that with the money you don't have.
From:
Michael Foley
09 November 2019 14:22 PM
The license is only the tip of the iceberg , it's not like a TV license where you pay for the license and that's it. There will be thousands of £'s unexpected costs plus ripping your property apart to install all the requirements and with Tenants in place plus every available room / space packed with their belongings good luck with that.
From:
Michael Foley
08 November 2019 15:42 PM
I wonder why it's now £1'150.00 + £30 per habitual room on top (5 year license), that's just for starters and so many other cost & requirements. I must assume if that's not too presumptuous of me that you haven't seen their Schedules, be careful what you wish for its a nightmare.
From:
Michael Foley
08 November 2019 15:13 PM
BPF forgot to mention its aided by subsidies and tax advantages, where as existing LL are taxed to the hilt & penalized. Big Developers want our business, build large numbers or modular Flats which are not very good all packed-in, then sell so many but the ones they keep back are free-be from the Development for them to keep / no purchase costs or huge stamp duty to pay just more unfair competition when compared to existing stock & LL's.
From:
Michael Foley
07 November 2019 09:12 AM
I think it's another ridiculous idea proposals on stopping LL's from gaining possession or even getting vacant to sell without their permission. Its non of their business whether we want Sell / buy / sell or keep, we didn't need their permission to buy or received any of their funds. Why then should we need their permission to dispose of a Property that we bought paid for at no cost to them but supplied to the market for free. I see all this talk about if you want to live there yourself or want it for a family member making those kind of conditions to favor the same people that are being favored by current policy's, it doesn't take much working out who's in the Offices making those rules to suit their relatives on outside. I Built some of my own houses by my own hand with only hand tools no electric on site & cordless tools yet to be invented in years gone by without any help or state funding, so I was build to Let before the schemes were invented, now I am supposed to roll over and give it to someone that possibly never done nothing and at 20% discount according to Mr McDonald, again pull the other one its got bells on. When & if they are making those changes about what the circumstances should be for recovery of possession whether for sale or otherwise of the property don't forget to give the LL's of self-build to let at least the same rights as the favored privileged Family connected persons, surely not milking the system ?.
From:
Michael Foley
06 November 2019 12:11 PM
Phil, there are several other reasons in my book not just section 24, might I add Section 21, Article 4, Fee bans, Deposits debacle / replaced by a system worse than no deposits if that were ever possible which means I don't have Deposits for years that's how much I hate it, removal of wear & tear which was there as long as letting itself, Right to Rent registration & checking Tenants which seems to be impossible if outside EU, How to Rent information pack by Shelter not fit for purpose & should be scrapped as they have changed it 9 times since introduced in just 5 years and if you didn't serve the latest one you are barred from using S.21 I have had to print dozens of those & trow away because they immediately became obsolete, De-Reguraction Act to allow Tenant to damage your property, Licensing Schemes hugely expensive and time consuming & I had to re-license some for the third time, only applies to some LL's if you don't house mammy, daddy, grand pa, sons , daughters, cousins, nephews, aunts, steps, maids, etc, that's fine and that culture usually on Benefit and control every Civic Center in the Capital but mustn't say that so I digress. So far more than Section 24 has driven us to the wall + building thousands of Flat clearly not required hitting the tax payer. I see there are supposed to be 12'000 on waiting list in one London Borough & 20'000 in another so they are all living some where now / mostly with private LL's, if you re-house all those persons who's going to be living in the property the just vacated ?
From:
Michael Foley
06 November 2019 09:59 AM
I under stand all that but I am a member of 2 LL organisations for at least 10 years (formerly 3) that's £160.00 pa. I never had any benefit whatsoever not even able to get logged to the website that's how successful it's been for me, in fact I am still buying the Tenancy Agreements from another Company that I always did costing plenty even though there's are free. Everything has to be on line & nothing else, just the way the Revenue are going as well, so its nothing to do with Housing, good or bad or anything else, just Graduates from University making obstacles, creating fat jobs for themselves and penalties for private LL. It' also cost me hundreds of pounds doing Courses to try to be Compliant or learn bullsugar that's no use to me. To build a House is no obstacle to me and I did build several even as far back as 1972 at that time single handed. I now have to listen to all those digital academics to tell me how to do it, they are 40 years too late. please don't quibble about £5, licensing alone has cost me tens of thousands making the housing situation worse and damaging my property. I always had better properties before the Prescott Act and no sub-letting or over crowding.
From:
Michael Foley
29 October 2019 19:55 PM
Paul stop it 🛑 if you wouldn’t pay a fiver a month I don’t know what to say to you, The stakes are too high & if we had coughed up & crowd funded a few years ago we might have prevented those laws. Supposing there are 2 million LL’s and £5 each would be serious money / £10m pm x 12 / £120m pa , that would dwarf all LL’s organisations & Shelters income put together a very small investment for us to be treated properly.
From:
Michael Foley
29 October 2019 09:34 AM
Sorry couple of typo's Grenfell was 24 Storey and also I ment screwing asbestos to back of Care Home doors, me and this technology don't get on it likes ti change what I say.
From:
Michael Foley
25 October 2019 23:10 PM
UK's second tallest build to rent 44 storey in Salford City, Manchester, so nothing learned from 44 storey Grenfell disaster just build twice as high and after all they said about 1960's tower blocks at least they were solid concrete frame & masonry walls. The modern one might be concrete frame as well but other wise stuffed with Celotex / Kingspan type foam insulation instead of masonry walls in the main, if they find any problem with this insulation in the future half the country will have to be pulled down. I remember all too well about the asbestos they had me putting everywhere whether on roofs, soffits, pipe lagging, around boilers or me screwing blue asbestos to back of care homes, they would have been safer with the fire. So 349 Flats in Salford with only 79 parking spaces, no parking for 270 Flats but if I was 2 Flats I would be required to have 2 parking spaces. Who will be renting those Flats or if in part for Social Housing it should be a problem with 5'000'000 people on Benefit I suppose they won't need parking they will not be going anywhere, the Supermarkets can deliver the food as they do now to high rise and leave outside their Flat door. The problem will come when they realize they have forced too many tax payers out and businesses to close d with the burden of taxation, then who's going to fund them all not the big Corporations for sure. Perhaps Shelter can have another De-Regulation Act like they did in 2015 to reverse all those anti-private Landlord Regulations.
From:
Michael Foley
25 October 2019 22:43 PM
Of Course it does nothing new about this, another & £2bn of unfair competition to drive out private Landlords. They need our Tenants, who else will buy them with such a glut of Flats surplus to requirements.
From:
Michael Foley
25 October 2019 11:00 AM
I totally disagree with you, I had aFlat vacant on Acton for months. There is no shortage of Housing & they are Building thousands of Subsided Flats Clearly not required. Media hype I hope it stays fine for you. How can so much damage be imposed on us and people are still prepared to believe everything is fine.
From:
Michael Foley
24 October 2019 09:58 AM
Nothing unexpected about it I have written to my M.P, several times making him aware of this but he disagreed as he did in 2007. What do you expect with a whole raft of anti- LL Regulation including removal of W & T, Deposit interference, Licensing, Penalties, s21, s24, Stamp Duty etc, so Brexit is the least of our worries & don’t us that for excuse. Enjoy the Recession 👍🏻
From:
Michael Foley
24 October 2019 08:59 AM
I agree it’s another tax just like Section 24, you have to pay tax on the money you haven’t got because the loan interest you already paid to the lender is treated as profit for tax purposes.
From:
Michael Foley
22 October 2019 21:19 PM
There is no Cost to the Council we pay for all, all, all. It’s taking fortunes out of Private Rented Sector doing so much damage & causing endless problems with the Tenants, there was very little damage before taking away LL rights & excluding him from the property neither was there over crowding or sub-letting , we’ll done we know you want us out for Institutional LL to take over, it seems L & G have another £750m to invest for this purpose.
From:
Michael Foley
22 October 2019 20:49 PM
Very good anymore for the Bandwagon is it not full yet, why not bring back Execution. Enjoy the Recession.
From:
Michael Foley
22 October 2019 11:06 AM
I see various articles today about how well landlords would do over 30 year period / £352k. I don't agree with this, the projection is Rent increase 2% pa, I haven't being able to achieve this over the last 20 years not alone 30. I have my own evidence house that rented for £1720 pm in 1999 now I get £2200 pm but @ 2% I would be getting £2'555 so I am short £355 x 12 = £4260 pa. Another one £1820 in 1999 now £2300 but @ 2% it would be £2700 so again I am short £404 x 12 = £4848 pa. They are projection into the future much better than the past not possible in this down turn plus dozens of costs loaded onto us with regulations that wasn't there before and also a whole raft of tax increases. The last 20 years in reality I have had no increase it's all been gobbled up + loss of wear & tear, How to rent / Right to Rent etc. I am trying to understand this article comparing Landlord to Tenant, it didn't say if one person was renting the property or would that be say 5 sharers who move dozens of times in various mixes & hope to get this fictitious amount between them or would it be one of them. London rental market is not good I think the Regulators have Farmer Economics Syndrome they count what they got for the Animals as profit without counting the costs. We also know property is hard to sell because of unfair competition the help to buy disaster distorting the market. I had a hard day fixing things that should be broken.
From:
Michael Foley
18 October 2019 20:43 PM
Some great Landlords & Wonderful Tenants in the main. They are our friends & Customers, stop trying to make us enemies of each other, there’s enough trouble in the World.
From:
Michael Foley
15 October 2019 22:50 PM
I don’t know why they invented Deposit disputes, it was never as bad before they started all this unnecessary work load & increased costs. The amount of hassle and time wasting it created made it not worth having a Deposit which is why I don’t take anymore. It only serves to drive a wedge between LL & Tenant which it seems to me is what Regulators want. I hear so much Training us & Courses by the dozen just learn what they invented mostly an incumbrance upon LL’s. I have been doing it for over 40 years & now they decided they must show me how to do it, talk about teaching your Granny how to suck eggs, maybe they weren’t born. I know I was a better LL in years gone by because they keep putting more obstacles obstructing me from doing my duties. The more red tape in any business the less efficient it becomes. Keep it simple then it’s efficient & cost effective. We could spend every day now dealing with paperwork that has been invented in recent years, all by people from outside the private rented Sector. I suppose we need training to deal with it.
From:
Michael Foley
15 October 2019 22:38 PM
Hard to imagine they want private LL’s out so much, so add another 130’000 LL’s to their Schemes at no cost to them. It’s lovely when you can make all the rules & never cost you a penny just keep load it onto LL’s, it’s not enough to pay 40% tax pay for everything do everything, worry & work yourself to death, they don’t care, ok license another 130’000 LL’s in L’don it’s about £1,100 fee alone x 130,000 = £143,000,000.robbed from the sector then turn around & do what they want, that will cost at least 3 times that again & £429,000,000 + our wear & tear 10% gone, Section 24, Section 21 rocking, Fee ban, Deposit debacle, Right to Rent, How to Rent. They do all this adversity in the name of helping PRS Housing, they really don’t give us much credit .
From:
Michael Foley
14 October 2019 22:37 PM
I believe the Council informed every man and his dog whether mentioned on the Application or not, including Bank / lender, freeholder if that’s not you, spouse , partner, maybe Insurance, my previous Solicitor that done purchase 20 years earlier that I didn’t mention, I Kay this because the Solicitor forwarded it to me. This is what they do with our License money, nothing to do with spending the money to improve the accommodation just draining the resources or life blood out of PRS.
From:
Michael Foley
14 October 2019 11:47 AM
Strange the head line doesn’t know the difference between 1’300 & 130’000 HMO’s
From:
Michael Foley
14 October 2019 10:16 AM
Don’t agree smaller LL deal with issues much quicker & better than large Companies who have so much officialdom & procedures in place, then send some sub-Contractor that don’t care just do minimum & dispatch his Invoice.
From:
Michael Foley
11 October 2019 12:33 PM
To All Landlords you have only 3 hours left to object to removal of Section 21. Start now it will take you more than an hour to complete this Survey for Monkeys. There are some 40 sets of questions to deal with. All contrived not to give you your say to what you should be saying. The question are wrong so how can you give the right answer. Have a nice day.
From:
Michael Foley
11 October 2019 09:05 AM
John McDonald dont know what he’s talking about & don’t have to, it’s not his property but should know that his fellow party member John Prescott caused all the over crowding we the 2004 Act, taking away LL rights & excluding him from the property, leaving Tenants in complete control of the let / sub-let
From:
Michael Foley
09 October 2019 15:51 PM
There is nothing surprising about this article, that’s what the Regulations are designed to do, drive us out to make room for them to take over. Also we have disgraceful Monkey Consultation with 50 sets of questions, all designed to make sure you give wrong answers because the questions are wrong and that’s if most LL’s are capable of completing such nonsense, prepare for worst Recession yet.
From:
Michael Foley
09 October 2019 12:09 PM
No need for Special Court or housing Court just leave Section 21 alone, you still have 5 days until the 12th October 2019 to change your mind and avoid the worst Recession ever known.
From:
Michael Foley
07 October 2019 16:00 PM
More Digital Academics Making a mess of something they know nothing about, don't worry if pressing a button don't do it they wont be doing it, just more to take our money & live off us, any more to jump on the Band wagon.
From:
Michael Foley
07 October 2019 15:55 PM
I wouldn’t have anything to do with Santander Bank when. I went into their Ealing Branch to open an Account I was told to come back in 6 weeks when the person I would need would be available. I had all the documentation that anyone could possibly need with me. What a way to run a Bank and the Counter Staff so smug In themselves, who do they think they are.
From:
Michael Foley
03 October 2019 10:28 AM
Well said Jahan, Charity Status indeed. I am for ever on about this, if they are so great & want to help people so much, their services should be almost free, quiet a few of them are on over £100k pa.
From:
Michael Foley
02 October 2019 19:25 PM
There is no point in asking me if I invested in HM0's, that was outside my control and forced upon me. I was a Residential long before HM0 debacle was introduced. I never wanted anything to do with this sub-standard way of planting strangers in rooms next to each other in many cases, maybe you should ask did Government / Local authorities invest in my Properties with Zero financial input and carve out penalties & huge costs for me. I take issue with all this talk about Build more, more, when there is no shortage, now Building thousands too many, already a glut of Flats in some areas based on subsidized purchases and development incentives resulting in unfair competition. I don't recon a lot of those rampant modular homes going up like Billeio either, basically timber frame construction of blocks of flats with with half brick skin on outside a fat lot of good that is if anything happens just a disguise really. Please don't get me started on HM0 returns and the biggest disaster to happen to housing, good look to anyone who wants to invest in HM0's, the savage costs, regulations and penalties, no such thing as high returns for me only costs & mental torture. I know before all this nonsense most LL's wanted to be letting to Council / DHSS and were getting far more rent from them than I could achieve letting to private Tenants, they were on a roll, to be honest when the Council squeeze came because it was getting out of hand they soon jumped ship.
From:
Michael Foley
01 October 2019 10:20 AM
Why would they want to scrap section 21 & replace it with inferior Section 8 which is worse unless to Penalize & make us suffer even more. Why would they give Landlords Rent to a Housing Benefits claimant instead of the landlord, that means they are deliberately given the Tenant a 2 months head start on arrears. Why do the authorities & others keep banging on about High Rents and un-affordable Housing, when they themselves are the main driver of high Rents & un-affordable / loading billions of £'s onto the cost of the Private Rented Sector, for me they have cost me tens of thousands of £'s alone, Licensing Schemes some repeated 3 times now, changing my beautiful Magnet 6 panel mahogany doors that cost £250 each to purchase alone, then replace with so called fire doors that are hardly fit to hold the screws. Then putting hand basins in every room at huge cost, service pipes / waste pipes in some cases drilling through concrete floors, then changed their minds no longer a requirement & Tenant didn't want them because they want computer desk instead, not funny. God knows how many certificates to be done again & again, Right to rent, How to rent, No Deposits, Claw backs, Banning orders, Confiscation Orders, S21. S24. Article 4, Criminalization of LL previously Civil matter, Fee ban, all this while we pay for them & everything else, they pay for nothing, nothing, nothing, now they want to turn around and say Rents are too expensive that they caused.
From:
Michael Foley
30 September 2019 12:01 PM
I can’t understand why the Government / local Authorities, Citizens Advice & Shelter keeps banging on about high Rents. They themselves are the main driver of high Rents with a whole raft of Regulations & Costs that they never contributed a penny to, adding billions of £’s costs to the Private Rented Sector. Please Mr Regulator take a look closer to home, incidental LL’s pay for all, All. All
From:
Michael Foley
29 September 2019 13:20 PM
Why don’t you all get off our backs. When is some one going get a Campaign for Landlords rights, obviously we don’t have any rights anymore, you are more concerned about pushing animals into LL’s property to destroy it. I never once seen any of you concerned about the Landlords welfare, we don’t have to rights of a dog.
From:
Michael Foley
27 September 2019 23:20 PM
Hi Chestertons, where have you been we have zero deposits already, they were taken away from us by Shelter in 2006, so LL's have been robbed of £1.2b, just keep banging away carving out a lucrative business for yourself & other self interested parties..
From:
Michael Foley
27 September 2019 13:54 PM
When counting rent increases for the 5 years 2014 to 2019 don’t forget to factor in the huge costs imposed by Regulators in other words there is no growth, if you are just going to look at income in business without deducting outgoings you won’t last very long (Thomas cook). We also have to bear in mind the value of the money gone down 18% so everything is costing us more, no growth ?
From:
Michael Foley
26 September 2019 22:55 PM
Dreaming again, it’s increased costs by Regulators that’s forcing up rents and LL’s trying to keep up with it, that’s not growth.
From:
Michael Foley
26 September 2019 18:09 PM
Hi David. Sorry that you are aggrieved as a Renter but when you rent a property on assured short tenancy that's what it is. I wouldn't let on any other basic if you want to have a property for ever i am afraid that you'll have to buy, you will soon find the lender has plenty of Terms & if you breach they can get you out very quickly indeed, they don't need Section 21. I always thought it very unfair that owners don't have the same rights as lenders & why not its our money at stake. Before section 21 was introduced in 1988 it was virtually impossible to get somewhere to rent. I remember there was only a handful of Residential Letting Agents in London, not like now at least a dozen in every Borough on the back of S.21, do you want to go back there again ?, I know about being relative wealthy, I know about being poor, I know about being in poverty I have lived it all. I know about being a Tenant as I was a renter for 9 years living in rented rooms in various Towns around the UK at a time when there was no bathrooms only public baths, no hot water & only outside toilet, no central heating, its a far cry from today when every.thing is their right. I don't expect you to know that at the time you were probably too busy making a horse out of the dog. My Goodness today if the Tenants hot water is not working the LL would get prosecuted. There are so many pressure groups campaigning / knocking us none of whom supply any housing now I think that's Big of them, it might include a London Radio Station / Guardian / 38 degrees / Shelter / Citizens Advice & a raft of others. I never wronged a Tenant or ever kept any part of their Deposit so anyone who wants to lecture me feel free. I can't understand why other people think they have a right to take my property. Why not keep it simple please buy your own & not subsidized by our taxes, I wish you well my friend.
From:
Michael Foley
24 September 2019 14:38 PM
I am very sorry to say there is no such thing of any Landlord managing to escape this one regardless of our situation or financial position it will be on Statute, when Section 21 is gone so is any confidence we had left in providing quality housing to the Private Sector Housing anymore. They want us out plain & simple or complicated it doesn't matter to them, we are just an irritation to them. It seems we are heading back to the 1960's again & along way on route all ready with Licensing Schemes forcing people to live in rooms with cooking and washing facilities in rooms just like 1960's bedsits, living ,cooking, washing and sleeping in the same room. I don't rate this as driving up Standards more like importing third World ideas.
From:
Michael Foley
20 September 2019 15:53 PM
I was at a large Auction yesterday 270 lots, Hard Rock Hotel or was it between a rock & a hard Place. Landlords trying to get out and taking a big hit some selling at guide price or below where as a few years ago I knew I had to add 25 to 30% to guide price as a yard stick to get a realistic value, haven't bought in recent years due to adverse regulations although have bought at Auctions as far back as 1972/73. It is very clear to me the Government don't want us and have gone out of their way to destroy, they want us replaced by Institutions many of whom we as tax payers are subsidizing for sure. I wrote to my M.P. last year saying those policy's were going to collapse the market but fell on deaf ears and referred me to English Housing Survey take that with a pinch of salt. OK anyone still in doubt how much the Government wants us out I refer you to all the adverse changes in recent years not least the one coming on 12th of October 2019, namely Section 21 abolition, notwithstanding current Consultation where the decision is made prior to Consultation it must be Democracy in full swing, but we can belly ache all we want until 12th-10-19, then it goes. So I might reflect on the damage, work load, costs, penalties,restriction they have imposed on us ? HMO's only for one half of community, Section 24, Section 21, Article 4, Deposit scandal, Tax hikes, Stamp Duty, "How to Rent" as if they didn't know how to Rent with their i Phones, Taking away our 10% Wear & Tear allowance which was their as long as letting it self, "Right to rent"immigration checks Customs job, Deregulation Act by Shelter to cover the tenant for any damage they might do & avoid Eviction, Claw back rules to get Rent back that was paid to you while some benefit false claimant lived in your property, Confiscation Orders, Banning Orders , incidentally we pay for all, All, All, do you still thing that Gov' loves us ?
From:
Michael Foley
20 September 2019 10:06 AM
I had a Tenant that was well in arrears and told me at Christmas time he couldn’t pay me rent because he had to buy Presents for his relatives, now that’s far more important ?.
From:
Michael Foley
19 September 2019 09:21 AM
Hi Alan careful now I was a kind of thinking like you but when I seen Mark Platt Lib Dems on TV news speaking at the conference. He’s another one to give a wide Berth to, He wants us out of business & take our property, do they not understand it’s ours. I thought an English mans home is his Castle written in stone that no one can take from you.
From:
Michael Foley
18 September 2019 22:33 PM
RLA calling for housing benefit Tenants to have the option of whether to pay LL directly, surely he must mean mandatory.
From:
Michael Foley
18 September 2019 13:15 PM
Very well put from what I see RLA spouting out in recent past. I was at LL meeting in Greenford last week where a representative from RLA came to brief us at the NLA meeting about merger. I know it would probably be a stronger lobby group but don’t agree with a lot of RLA thinking, sometimes wonder what side they are on and in any case their budget is buttons compared to Shelter & their Charity status with house owners & LL giving them legacies to cut their tax Bill. I asked a question at the meeting why not include iHowz as well but fell on deaf ears & had to repeat myself, they still didn’t have a clue what I was on about even though the meeting was conducted in English . They didn’t know it used to be Southern Landlords Association & before that Small Landlords Association that NLA hi-jacked if I am right.
From:
Michael Foley
18 September 2019 12:08 PM
I would be delighted to see Tenants managing their money. The problem is its not their money when on Benefits it ours so go get your own money & manage it all you want. The Councils are now aiding potential Tenants to withhold information from LL’s, there is a box on the form if you don’t want your LL to know your on Benefits thick this box.
From:
Michael Foley
18 September 2019 09:49 AM
How right you are I was in a chain of 7 it broke 3 times. I was the only one putting up the money if you like, all others were sell to buy.
From:
Michael Foley
17 September 2019 10:06 AM
Whats the point of Inventory when we have no deposit anymore.
From:
Michael Foley
17 September 2019 08:49 AM
Why don’t Government clamp down on DSS false Claimants instead costing Billions of £’s. This is root cause of what wrong with their housing Policy’s. I know it’s very difficult for them to act as many Civic Centres have been infiltrated and staffed by their friends & relations or indeed own properties themselves that is paid for by the same Council. So do they actually think by banning those few letters (no DSS) is going to fix the problem. It just another step to try & force LL’s to house them. They have tried this before in a massive way and failed namely the Licensing Schemes costing billions, accept them fill the house to the roof no License required. I had a 2 storey Terraced House with 5 people when the Scheme come in but was forced to license it . Exactly same house next door let by Housing Association no license on that 14 persons occupied that one. I had a problem with one of my Benefit Tenants who was in arrears and upset other house mates by his behaviour. I wanted rid of him but Council backed him so I decide to sell, then Council advised me if I attempted to sell without a license they would block the sale. Right so I done all the requirements got the license then went through County Court procedure for vacant possession & the sold it. The Council should sort out their own stall & clamp down on false Claimants & save billions for the Treasury & tax payers instead of molly coddling them, then no need to wrongly scrap Section 21 which is not the problem.
From:
Michael Foley
16 September 2019 16:50 PM
Yes the Auctions can be a good place to sell if you have a good property, the big boys are there and for them it’s only a matter of write the Cheque, if it’s in bad condition it will be factored in. To me Brexit is small beer in comparison to Osborne’s mad tax. I won’t be buying for sure, if I am buying a property I want to know I am buying an acid not Stamp Duty. Even an Investment property on outskirts of L’don £500k then another £30k Osborne Stamp Duty, so 30k is not part of the acid it’s a debt. I certainly am not going to buy £30k worth of debt with my money as well as the fact I am a 40% tax payer and will have already given £20k on this to the Revenue in order to have £30k clear funds, (£50k x 40%= £30k) in other words it will have cost me £50k. What School did he go to ?, it’s along time ago I learned 10% of nothing is nothing .
From:
Michael Foley
16 September 2019 14:12 PM
It very simple really the buyer has no intention of covering all this mad SD, so he wants to knock it of the purchase price.
From:
Michael Foley
16 September 2019 09:55 AM
They should be careful what they wish for. Surely there must be some other Business for everyone to jump all over, or are we the last one left ?.
From:
Michael Foley
16 September 2019 08:55 AM
Single Moms are single for a reason the Government and the Law don't want them to be married or have a partner. Which is why they are single Moms , stay married & get nothing or split up everything is free, Housing, Schools, Clothing Uniforms queuing down Wembley, High Street, Vouchers filling the shopping trolley, Children Allowance, push chairs, discounted Council Tax, etc. They all wants to be on the Council , this is the root cause of Council problems not being able to cope, but they are all too cowardly to tell the truth or change system whether housing or Benefit because now there are too many of them. They would rather blame the Landlord when its not his fault, that's a lot more acceptable also blame Section 21 which is not the cause just a Symptom and getting rid of it don't solve anything just a means of Local Authority transferring the problem to us avoiding their responsibility instead of dealing with the problem. Supposing the law said everyone should have a partner to qualify housing & benefit then they would all have a partner, they are not stupid if its free they will all have it and quite happy so long as they don't have to do anything. I know the Culture well its a bit like National Health Service if its free you'll never have enough. There was a lady on TV this morning discussing her livelihood and rearing her children & how difficult it is, she was never asked about the Father of the kids or if he made any contributions but now she is pregnant again by another Man. Stop blaming the LL who has provided quality affordable accommodation to Private rented Sector for decades at no cost to the tax payer, if Government wants to waste taxes its a matter for them.
From:
Michael Foley
15 September 2019 19:06 PM
Yes and for me it was the reality of being unjustly singled out as a private LL for special draconian treatment that wasn't warranted, that made me more frosty & bitter. Starting with John Prescott deputy premier bringing in the 2004 Act, no queensbury rules for this 2 jags man. All followed on from there / 2006 Houses in Multiple Occupation licensing schemes but it didn't matter how multiple they were as long as they were Related they were exempt and life style mostly funded by the State. Then Deposits taken away in 2007 and replaced by a scheme that protect the Deposit not the Property. Taking away our 10% Wear & Tear. Shelters "How to Rent" as if this generation didn't know how to rent. Deregulation Act to cover the Tenant for any damage they might do and make LL a Criminal, reduce c/gains for everyone else but keep high for LL, now they want to increase again, not forgetting section 24 investment interest taxed instead of allowed, article 4, so much more too much to put on a blog, but have to mention Rogue Help to Buy Scheme roping young people into trouble & building thousands of flats clearly not required, the chickens will come home to roost on this one, are you still wondering what happened to us and before I forget the small matter of costs oh silly me we pay for all, all, all, all
From:
Michael Foley
14 September 2019 10:15 AM
I couldn’t agree more and your Mother a wonderful compassionate human being not making them like that anymore, where can you find a buy to Let Landlord those days with a heart, god spare her the health. 🍀👍🏻
From:
Michael Foley
13 September 2019 15:13 PM
Don’t agree with any of this, my Rents haven’t gone up & some have gone down. I see houses idle for months in Ealing W5 but I suppose no one will have figured for this as Council will not know because C/tax has to be paid in full.
From:
Michael Foley
13 September 2019 09:14 AM
Before Sadiq Khan gets carried away with himself and his City Hall data base. He needs to give LL’s some instrument to deal with the issues he is going to clamp down on, that has been caused by anti- Private Regulators.
From:
Michael Foley
12 September 2019 18:16 PM
As I have said before many times it was caused by George Osborne tax hikes, stamp Duty in general plus 3% surcharge on buy to let when announced in his Autumn Statement in 2015 but not being introduced until 2016, so there was a big rush on to buy or sell before the changes, it was also a great time for getting rid of rubbish Properties. However, it was introduced from memory in April 2016 then comes Referendum on 23rd June 2016 just 2 months after so anyone with property whether portfolio, couple of properties, their family members or anyone connected to property which are millions voted against the Government as a protest vote and not a vote to come out of EU. Subsequently the Government got the shock of their lives when the vote went against them, although it was marginal only 2% difference another 2% it would be 50% each. This forced Premier Cameron who was doing a good job by comparison to what happened since, to resign who was in favor of staying-in as I think Mrs May was as Boris was but turned his coat 2 days prior so he can't be trusted. Anyhow I am amazed no one has picked up on this with all the uproar going on, so certainly George Osborne caused Brexit. How can any one person be allowed to bring this Country to its knees, just born into the riches of Wall Paper Family in Cheshire so what does he know about life and only born in 1971, he has been and gone leaving a disastrous legacy for us all. Why is any of this not ever mentioned then went touring the Globe getting paid hundreds of thousands £'s for telling them the dirty trick he had done on Property owners.
From:
Michael Foley
12 September 2019 17:46 PM
We already pay a far higher rate of capital gains than anyone else @ 28%, or course it should be reduced to 18% like for most others but we are singled out. Its not a think tank just a Draconian Cess Pit, the scum of the earth. We all know why they are doing it, LL so fed up they want out but this is designed to stop them, they need to keep us there to be able to torture us in the future or if this don’t stop us getting out they make another killing while we exit.
From:
Michael Foley
12 September 2019 13:22 PM
They can check all they want, then go & buy your own but not with Rogue help to buy Scheme funded by our taxes.
From:
Michael Foley
12 September 2019 09:36 AM
The 2004 housing Act introduced in 2006. I believe 4 unrelated persons does count as a HMO but not a licensable HMO. Hi Robert I must be that bloke who struggles with a couple forms, but only digital academic understand themselves but don’t understand traditional LL’s that’s why it’s taken me 41 years a LL to become inept, it really took them a long time to wear me down & achieve their aim, as for the common sense requirements they have cost me tens of thousands £, but now have the worst property condition that I ever had, since control of the letting was taken from the LL & excluded him from the property. We now have over crowding & subletting whole sale but not by LL. HMO is a god send for Tenants, LL restricted to 4 persons so then the Tenants have all this extra capacity to fill up, LL powerless to act because he has been given no instrument to deal with it, only a penalty if he dares to raise any issues.
From:
Michael Foley
10 September 2019 15:55 PM
More rubbish Surveys / Research every day. The internet is the worst thing that ever happened to Private Sector Housing. What used to be Office Clerks incidental to a main business & low paid has now become jumped up Digital Academics hi jacking business taking complete control, robbing the business and making all the rules for their personal gains, then you wonder what’s wrong.
From:
Michael Foley
10 September 2019 09:02 AM
Family doesn’t need HMO license whether, mandatory, additional or selective as I understand it.
From:
Michael Foley
09 September 2019 21:26 PM
So Tenants that never paid Rent in their lives / Council Tenants in accommodation in Private Property, that Milk the System for ever will be able to buy our Property at knock down prices. Incidentally this is the real cause that Government wants to scrap Section .21, obviously S.21 is only a Symptom but Regulators are too cowardly to address the real cause, the System that houses & keeps them all for nothing, no wonder they all wants to be on the Council, they are not stupid.
From:
Michael Foley
09 September 2019 10:27 AM
I had them all dogs poo everywhere, hairs embedded in furniture that I had to throw away not to mention flea infestation that I had to get a Company in to deal with it. The Tenants were filthy enough themselves without any animals. Many thanks
From:
Michael Foley
05 September 2019 18:34 PM
Very good I am delighted for you but L’don is a different kittle. The rent is double here but your purchase here will cost you 3 / 4 as much, so we have to compare like with like.
From:
Michael Foley
04 September 2019 10:19 AM
I don’t agree with any of this you cannot lump London in with rest of Country, its not happening here because of Rogue help to buy Scheme whereby they get 40% up to £600k, only 5% Deposit and no Stamp Duty Land Tax, for new build only. Distorting the whole Market. Therefore existing property not selling but its total abuse of our taxes they use our taxes to destroy us. Buy to let disastrous if you buy now in London it will be buy to be vacant.
From:
Michael Foley
04 September 2019 09:25 AM
Just more fake reports, surely 84% have no confidence left whatsoever, you cannot keep driving us into the ground and then try to tell us everything is fine.
From:
Michael Foley
03 September 2019 11:00 AM
Come on Stop it, a better relationship between Landlords & Tenants by more Regulation, who are you kidding the last 10 years have been spent by them driving a wedge between us.
From:
Michael Foley
27 August 2019 09:16 AM
We have heard it all everyone setting up even more Schemes, supposed to be helping us or doing us a favour, why don’t they just go away get a job and earn a living instead of soft options all the time. I remember back in the day when Clive Sinclair invented the Calculator in sequentially Computers followed on from there really. What a great topic with everyone at the time , how Computers was going to do all the work for us, we would only have to work a few hours a week and have so much leisure time. What happened to all that ?, we are now busier than ever and stressed out to the last by Computers.
From:
Michael Foley
23 August 2019 13:41 PM
I don’t go along with this either, the Seller is hammered already. I sold a house in one area to buy one closer to home so it would be less travelling & easier to look after, bad idea by the time I paid c/gains not worth doing. Why not scrap Osborne’s nonsense tax & leave it the way it was, it was still a lot of tax but nothing like this.
From:
Michael Foley
22 August 2019 15:53 PM
Stamp duty madness supposing if I were to purchase a house on outskirts of London for £500k if I could get one for that. I would have to earn £50k first then pay 40% income tax on that to have the £30k left to pay the Stamp Duty, in other words the had the whole £50k off me ?.
From:
Michael Foley
22 August 2019 14:42 PM
I don’t understand what’s going on, another fake News program on ITV last night about shortage of Housing, when there is not any. There is no shortage just shortage of people who want to pay their way but they all want to be on the Council. So how did those ladies get 2/ 3 or 4 kids where is their free loader Fathers, why don’t they rear their families or are the on Benefits as well. I see houses to let since before Christmas & still vacant, 6 in Cleveley Crescent, alone in just one road in Ealing. I see houses for Sale since before Christmas as well but not selling, yet building like crazy thousands of Flats clearly not required. I had aFlat vacant in Acton for 5 months before I got Tenants. Why did TV news program see fit to invite Shelter on, who don’t supply any housing spreading all this false information.
From:
Michael Foley
22 August 2019 14:32 PM
Good luck to Jamie, we all get our day in the Sunshine & the Developers will to.
From:
Michael Foley
20 August 2019 13:36 PM
Hi you forgot the biggest one traditionally base Rates were 5% + lender rate on top. When a decision was made to keep reducing this to a stupid level and abolishing Savers over night, they were left with no alternative but to buy property That they didn’t necessarily want or need all bidding against each other driving House prices through the roof. Slainte
From:
Michael Foley
20 August 2019 10:14 AM
No I don’t agree why not restore S.21 the way it was, before you cause the biggest recession ever know. Scrap the 2015 De-Regulation Act that was only brought in to under mine S.21. Scrap How to Rent as if people didn’t know how to Rent. Scrap the Deposit Schemes that are an extra cost & only protect the Deposit itself and lets a have the original Deposits restored. Scrap the unfair Licensing Schemes that only applies to one half of the Community & robs us & we fund all. Scrap Right to Rent it’s not our job. Scrap S.24. Scrap Article 4. Scrap 3% SDLT surcharge. Scrap the 8% Capital gains surcharge. Do you not even know why S.21 was introduced. Scrap Building thousands of Flats clearly not required. For goodness sake anyone can see it’s an all attack to destroy us, no business can survive this not a hope , how much evidence do you all need.
From:
Michael Foley
19 August 2019 22:51 PM
More anti- Private LL Regulations + Rent Re- payment Orders indeed. Why did the Tenant rent the property if it’s in bad repair, or did they Cause disrepair & will now get their money back from the Tribunal. I can see plenty heading there. I would never again go to a Tribunal but we are not going to have a choice we are going to be dragged in anyway
From:
Michael Foley
16 August 2019 22:03 PM
I don’t have Deposits they were taken away in 2007 by Shelter when they alleged LL’s withheld 44% of Deposits, it later emerged less than 2% went to Deposits Resolutions, so it came in on s pack of lies and anyway it’s now all about protecting the Deposit it self and nothing protecting the property. Do they not even know this and subsequently used in County Courts to undermine s21 if you were trying to get possession, as far as I am concerned they have now made it a liability not a protection. Well done keep on.
From:
Michael Foley
15 August 2019 20:11 PM
Section 21 is contributing to making Housing available to millions of people, whereby if it’s not there we cannot accept them for sure. Taking away what’s left of Section 21 will create more Homelessness for definite but that don’t matter to Rogue Regulators they won’t be homeless.
From:
Michael Foley
15 August 2019 09:09 AM
What difference does it make when it’s brought in. I am not capable of doing it, just like thousands of other Landlords who are not Digital Academics. It’s now nothing to do about housing or being good landlords anymore, just purely Computers and red tape, so we cannot do it so what ? / how many of those Digital Academics could build s house or even do minor jobs about the house but it’s us who are expected to jump through the hoops to suit them. I was a member of NHBC from 1974 on for 20 years until I gave it due to lack of Planning Decisions by inept Councils just like their counterparts Digital Academics collapsing PRS today.
From:
Michael Foley
14 August 2019 18:29 PM
Yes my confidence is at 41 years low / Zero.
From:
Michael Foley
14 August 2019 09:39 AM
The idea of a fully funded Court System is laughably, only the LL’s ever fund anything. We have funded all the add on requirements since 2006 at least plus funded thousands of high paid jobs for Regulators to torture us. In early 2000 the Gov’ made one big swoop & took complete control of all private letting, we weren’t even told not alone asked now what kind of Democracy is that. Fully funded my foot more cost for LL’s for sure, obviously it’s all getting worse, with S21 some Tenants would leave with correct notice as per Tenancy but now it seems to me they want to make termination of any Tenancy Court Compulsory, this is a big Recession / currently can’t sell or Rent, well done keep going.
From:
Michael Foley
12 August 2019 21:07 PM
The only Court Reform we need is to scrap Shelters De-Regulation Act which the only purpose ever was to undermine Section 21 We now have Tenants claiming property damage when there is not & will always get their side taken in court / can’t loose, it’s all too easy for them to make a place shabby. Just restore Section 21 and stop meddling. We shouldn’t need a Court Order in the first place, they don’t need a Court Order to take up Residence. Return the process to a Civil matter & not treat all LL as Criminals like Councils are doing now while Consultation themselves after getting money from a big fine, this is conflict of interest, the Council prosecutor shouldn’t be the beneficiary of the fine.
From:
Michael Foley
12 August 2019 17:55 PM
0k when you say 3 individuals in the same breath you have to say 3 households that's it but you may be able to have a 4th person as well as a partner to one of the others subject to room size, if its just 3 you have to have the additional licence anyhow in an area where this applies. There is nothing new about this I had it in 2012 at least and had to renew again in 2017. The ground Floor Flat 2 double bedrooms in same House additional license didn't apply but that came under Selective Licensing & allowed 2 house holds not more than 4 persons and strangely enough from memory cost £650 for the Application where as the Additional License fee was £1'150 for 3 persons but possibly 4 if one took in a partner subject to every one agreeing to amend the Tenancy Agreement.
From:
Michael Foley
08 August 2019 21:18 PM
The Council did come around to see the Flat & it has 3 compliant bedrooms. I was still required to get a license to let to three individual persons who came together as friends.
From:
Michael Foley
08 August 2019 19:13 PM
So you can’t let to individuals that’s excluded persons who don’t want to be in a relationship. So they have to be in a relationships or you can’t house them, so 2 couples as partners is fine / 4 persons = 2 households but 3 individuals not allowed without a license even though a person less would be in occupation at the property ?
From:
Michael Foley
08 August 2019 18:23 PM
I don't like this so called ARO just more people taking us for mugs, how many more wants to live off our backs, so many organisations sprouting up like mushrooms. The way I see it they are Renting our Property then sub-letting it plain & simple. I know in some cases they make more than the LL, you'll get your money I suppose but some of those guys use Airbnb and get double, people coming & going all the time but don't mention bed bugs. Whatever happens the Council will hold the LL responsible & he will be the fall guy. I think its a great idea for those doing the sub-letting far better than owing a Property let the LL mug buy it pay the Mortgage take all the responsibility and lend it to you to fill your pockets, get off my back you are too heavy. Pull the other one its got Bells on.
From:
Michael Foley
08 August 2019 09:33 AM
Do you know what you are talking about ?. How can you say vulnerable Families with children, then say Houses in Muntiple Occupation wth Individual rooms. HMO’s don’t house Family’s and if the did they wouldn’t need a licence or does your Council make your own laws & over rule Parliament. I am not aware of the law changing.
From:
Michael Foley
05 August 2019 20:25 PM
I recently have been approached by a Council accommodation finder, he purported to be from Council but not really. He gave me some paper work where the proposed Tenant had signed to pay LL directly. I had a read through & it said once Council had placed the Tenant their responsibility ended, so in the small print it appears once installed the Tenant could reapply for it to be paid to him, so I didn’t proceed.
From:
Michael Foley
05 August 2019 10:28 AM
Good on you a better man than me, 50 question all rigged to do away with Section 21 but I forgot it’s already decided. Silly me good idea to have a monkey survey. The 25 to 30 minutes didn’t cut it either but sure my time is free.
From:
Michael Foley
05 August 2019 09:53 AM
Having tried to respond to the MHCLG Survey this morning wasting my time because I failed and it wouldn't let me continue but said submit before I was finished. This Survey is a disgrace and once again only Graduates & Digital Academics, excludes all traditional Landlords who houses hundreds of thousands of Tenants, we are just being ignored. At least they got the name right Monkey Survey it must be a Survey for Monkeys. Thanks for wasting more of my time but no worries I am Free. Welcome to the worst Recession ever caused by this nonsense, houses sitting on the market not selling or letting, existing Flats not a hope because of those Regulations & so called help to buy plus building thousands of Flats clearly not required.
From:
Michael Foley
05 August 2019 08:21 AM
I agree S24 should be scrapped LL's should be allowed investment interest tax relief, SD surcharge 3% removed and also Capital Gains Tax reduced from 28% to 20% like it is for everyone else, S21 reinstated before this Recession gets worse but anyone above Watford gap won't agree things are booming up there for now. We have to remember everything starts in London whether Boom or Recession and then works it way out from there. NLA now joined up with ARLA of letting Agents who are constantly campaigning for more Regulations that have destroyed us in the first place, do they think we don't have enough, ie, How to Rent. Right to rent. Deposits debacle. GDPR / ICO. Article 4. Section 21. Section 24. De-Regulation Act. Wear & Tear allowance gone. Licensing Schemes hugely expensive, decisive & only applies to one half of the Community. Fee Ban. Rogue help to buy schemes to take our Tenants away from us, etc' etc'
From:
Michael Foley
03 August 2019 08:43 AM
The joke of the Century, there is a live Consultation by DHCLG regarding Section 21 but Government has already announced last April it was been scrapped, its some Democracy. ARLA joining up with NLA that’s the second joke of the Century. ARLA is made up of a half dozen Estate Agents who are not in our best interest. They are continually Campaigning for more Regulations which is one of our biggest Problems, we are snowed under already & yet they want more. I know it’s not a problem for them they’ll have no work to do just set up Computer programmes sit back everything happening automatically, just check their Bank Balance. I don’t want them causing us more hassle.
From:
Michael Foley
02 August 2019 20:43 PM
Someone else that you have to pay. I had done Inventories for 30 years and managed them myself without much problem but not since 2007 when they were taken away by Shelter base on untruths I used a Clerk once £250 check-in & £150 check out, that’s the end of that, or far better still not be a LL.
From:
Michael Foley
01 August 2019 17:17 PM
It is that & everything else combined to do as much damage as possible to LL. Tenants now not complying with anything and ignoring whatever you ask or tell them making letting impossible to manage, they now know they can do what they like, you have no authority. Before all those anti-Landlord regulations, there was some attempt to keep to rules, now they are free to overcrowd / sublet etc, they know you can do nothing but Council is waiting to Sanction you for not being in control of the Management that they prevent you from Managing.
From:
Michael Foley
01 August 2019 15:18 PM
No I don’t agree with a Dedicated Court fo re-possessions, you say 9 out of 10 Landlords agree so I must be the one that don’t agree. I disagree with the lot of them because I suspect it will be a Tribunal with probably an ex Council employee behind the desk with 2 Disciples with the power to destroy you & unlimited costs. Just leave things alone as bad as they are.
From:
Michael Foley
01 August 2019 09:41 AM
Yes if they are so good and concerned about the Homeless instead of top brass paying themselves £120k pa, their services should be almost free for an Organisation with Charity status indeed, their Charity Status should be with drawn for the damage they have caused to Private Sector Housing & homelessness created. Home owners and landlords should think twice when making a WILL where Inheritance Tax is concerned. I was told if you give them a percentage of your Estate you get a good reduction on your Inheritance tax bill, this is collusion to my mind and no wonder they have no shortage of funds to cause trouble.
From:
Michael Foley
31 July 2019 14:49 PM
No if a renter wants to buy it will be the help to buy Scheme on a new property with all those advantages.
From:
Michael Foley
31 July 2019 11:03 AM
I think Neil is right the regulations has impacted on Private Renting sector unfairly and he mentioned 3, Wear & Tear, Stamp Duty 3% surcharge and section 24. We cannot loose sight of all the other things they did to damage us and drive costs through the roof. "How to Rent" guide by Shelter adding costs, more free LL's labour and changed 9 times in just 5 years, scrapping booklets, reprinting again & again, dozens of booklets for me alone. Deposits taken away in 2007 & replaced with a dysfunctional Scheme which means I don't have Deposits anymore for years costing me Thousands of £ and damaging my property, the scheme now only exists to protect the Deposit itself & nothing protecting the property. Section 21 undermined by several excuses a by product of De-Regulation Act by Shelter to prevent LL using S.21, and gunning for for whats left of it. Criminalisation of LL's previous a civil matter. Licensing Schemes expensive whether Mandatory, Selective or Additional, I had them all that don't apply to Family's in the private rented sector usually on benefit as I never had a family to me who were paying for themselves & it wouldn't apply to Council Tenants anyway. General Data Protection Regulations. "Right to Rent" / IC0 making us liable for immigration checks adding costs & time, I know we are the only ones that do everything for free. Fee ban which is wrong if someone provides a service they are entitled to make a charge, of course they didn't have to use the service, so they have put the livelihood of thousands of young people at risk who are just starting off in employment. More huge costs coming Digital Accounts which I am not capable of doing as well as thousands of others so we have to pay others to do it but for me to build a House is no barrier. Plenty more but i'll just add Neil's 3 to the list, Section 24 investment interest relief removal, Our 10% wear & Tear allowance that was there as long as letting it self, Stamp Duty Land Tax 3% surge on second properties. Help to buy Disaster helping many people that need help and making existing Property unsalable especially existing Flats you don't need me to tell you why. Are you still wondering what happened to Private Sector Housing ???.
From:
Michael Foley
31 July 2019 10:49 AM
The Government announced in April that it was doing away with Section 21. Why is it that we are now invited to take part in a Consultation Process where the outcome has already been decided. This is what happened with the HMO Consultation as well, it goes to show what mugs they see us as.
From:
Michael Foley
30 July 2019 10:32 AM
MS Lunn, your Rent figures are very shocking reading indeed because the figures are wrong & exaggerated by a country mile, your figures for East London are higher than what we can get in west London. My rooms Acton W3 & Ealing W5 post codes work out similar to your SE28 post code, that's £380 pm per room less than what you say, we need a correction here. Stop exaggerating just STOP, STOP it.
From:
Michael Foley
29 July 2019 14:02 PM
John don’t be astonished the far away hills are green. The sky high prices of property in London sometimes several times more than else where, so rents are naturally higher but not by an equal proportion, I work out less than 3% return and I understand it’s much higher return in North West where I lived for many years , so pound for pound you are far better off away from London. Spare a thought you could have a half £m Mortgage around your neck in Acton for £1300 pcm rent if you are lucky. I am sure I could get a number of Flats up there for that & the combined income far higher, with far less risk at least if one didn’t pay you still had the others, (too many eggs in one basket in L’ don)
From:
Michael Foley
29 July 2019 11:24 AM
Just more Landlord bashing by more outsiders joining up to knock us with their digital Platforms to feather their own nests. How can they say Rents are not affordable with saying why, they didn't mention that the Authorities that be have spent more than the last 10 years adding costs every year, every additional requirement whether by Government, Local Authority or Shelter has a huge cost to Landlord & reflected in part in the Rent but I am sure full cost is not passed on to the tenant by any means. I know the Councils / Regulators that caused all those costs / problems are riding high as it never cost them a penny no matter how much misery or what a mess they make the Landlords pays for All so they can sit there as smug as they like. Now then another aspect of your article saying the Tenants lack of advice, there has never been a time when tenants had more advice, its thrown at them from all directions from the media, every anti-landlord organisation, not to mention "How to Rent" booklet that we are required to provide them with 13 pages indeed, why don't you stop telling lies about LL. Government now are taking away the remains of section 21 which they say to give more security of Tenure to Family's / schooling etc,. Why then are they taking it away for Houses in Multiple Occupation as well who definitely are not Family's, or they wouldn't require a HM0 license in the first place but mostly individuals on the move that like a flexible life style.
From:
Michael Foley
29 July 2019 09:51 AM
The Government Consultation Period has started for removing section 21, posted 22nd of July '19 and run 12 weeks until 12th October 2019, now is the time for LL's to be aware & to Act / lobby your M.P. & write to the Department. Shelter is in there as is ARLA part of the Consultation so Estate Agents are going to be well represented and already calling the shots how everything should be regulated, made Digital etc. Its not their Property and cant see private LL's interest being represented at all, so all LL's need to make their views known & that's if they know about the Consultation in the first place. I know many of you have come to this platform in recent months and said your piece in no uncertain terms especially in last April that I recall, now if you can re-do it again but this time to the Consultation Process, there are millions of us LL's but only a handful coming off the fence and making the effort, its no good moaning about it afterwards when we are clobbered.
From:
Michael Foley
27 July 2019 09:19 AM
Mr Jenrick Secretary of State for Housing at 37, now he’s bound to have made far bigger contribution to housing than me only 41yrs a landlord, they are a waste of time. A new scenario proposed that the seller should pay SD, is it not enough to have to pay Capital Gains tax, how much would you pay or would you have to try to avoid a second home buyer who’s SD is much higher. I agree the threshold for higher rate tax payer to £80k, currently I am paying 40% over £37.5k and not over £50k as they would have you believe as they have taken away my personal allowance that others automatically get. Is it no wonder I am feeling a bit p’off having taken away wear & tear & imposed a dozen other costs on me a one man band.
From:
Michael Foley
26 July 2019 09:46 AM
OK but HMRC don’t think we are a business.
From:
Michael Foley
25 July 2019 10:31 AM
Sorry but I don’t like this and never jealous of anyone, usually delighted to see business well. However, LL’s with hundreds of properties is a clear example of why Section 24 was brought -in, to stop this nonsense of Skyting the Deeds / buy a property then after short time re value take some equity out for Deposit on next property & so on, totally no tax needed to be paid / no brainer. So now you know why we have S24 impinging on though no fault of our own while we paid taxes through the nose over the years. This must be the unacceptable face of Capitalism, the truth has to be told.
From:
Michael Foley
25 July 2019 09:58 AM
I don't know who's supposed to be doing all this evicting its not me or anyone i know. There is so much Data, Surveys & statistics thrown at us all the time. Why not provide the a list of those evictions from the County Courts as a matter of public record then we'll know who is abusing the system making trouble for the rest of us. Then perhaps for repeat use or miss-use make them time barred as to how often they can avail of this, say for argument sake not more than 3 times in 10 years regardless of the size of their portfolio. I think the larger LL's are most likely to abuse the system and with Property scattered in so many towns around the UK, they are not going to be good LL's certainly not hands-on & often don't even see the property. Keep Section 21 / Assured Short Hold Tenancies for main stream lettings to avoid the worst Recession ever known, everyone must know that you can't have an economy based on Housing alone which is what the mutton heads are doing.
From:
Michael Foley
24 July 2019 14:56 PM
I would love to get out but they have put obstacles there as well to stop us getting out, so they continue to build loads of Flats clearly not required. I just don’t know how Sadiq Khan is going to put Rent Controls on vacant property ?, So Sorry for ever being. Landlord, what for Slave Labour, to be abused, penalised, sanctioned, criminalised & robbed. Cash Cow to feed the milkers and if I had chosen a different path I could have been retired years ago instead of finding myself been held to ransom.
From:
Michael Foley
23 July 2019 16:58 PM
So why would someone buy a property. When you can live with Security of Tenure in some other persons house and act the jack all you want, it beats falling behind with a Mortgage and guaranteed being removed.
From:
Michael Foley
23 July 2019 14:17 PM
Hi David this kind of thing does happen, it has happened to me. However, most Tenants are wonderful & easy to get on with, notwithstanding the fact that Gov’ has done all in its power to drive a wedge between us. It was wrong to take all control of the property from the Landlord & then exclude him as well, while at same time making him responsible for everything outside his control, not possible to square that one. Now getting rid of Assured Short-hold Tenancies / taking your property from you. LL’s should have the same rights asLenders they don’t need s21& if you don’t pay your Mortgage you are out, or does it not matter when it’s our money.
From:
Michael Foley
23 July 2019 12:31 PM
Hi David, as a landlord I am glad you asked the question how to make rents more affordable. It’s the easiest thing in the World to do, just scrap all those ridiculously, unnecessary Regulations of recent years that has made renting unaffordable & unsustainably. Huge numbers of Rogue Regulators all from outside Private Sector Housing , that don’t supply any Housing is a good place to start, now that was easy next question.
From:
Michael Foley
22 July 2019 10:47 AM
Unfortunately I can't put up rents even though mine are too low. The self paying tenants are not available only thousands of Housing benefit tenants, housed for free or subsidized housing they are not stupid, the system is there especially for them, they are king, enough said we all know whats going on. The help to buy disaster scheme distorting the whole market to make millions for the big developers or even millions for their individual Directors, like one guy alone £75m then he resigned sure he couldn't be working so much money for himself on the back of this Scheme. Houses not selling mostly because of the Stamp duty hike, so the confidence is gone out of the market, isn't that what they call a recession. Existing flats not selling even good quality because of the rogue help to buy Scheme that's abused, just imagine getting up to 40% of the money up to £600k interest free for 5 years in England (£300k in wales) many of those people are earning £80k pa and could have bought anyhow. Compare an existing Flat for sale that is not subsidized and loaded with Stamp Duty, to a Brand New subsidized Flat with only 5% deposit and Zero Stamp Duty (no contest). When all this madness stops and we are Bankrupt, our Flats vacant and our tenants living in subsidized new Flats from our taxes where are the jobs going to come from ?. It's nice to know we have a level playing field just like Mountain,
From:
Michael Foley
21 July 2019 18:30 PM
I understand this John, my properties seam to be high values but now difficult to sell and very low returns, around 3% compared to 6%+ in north west and they have capital growth, far too many subsidized Flats being built. I don't know where the occupants are going to come from which is why they want us out they need our few as well. Grenfell was 24 story in East Acton & the disaster that happened there, now they are building a 42 story Tower in North Acton / twice as high they are crazy. everywhere I look thousands of flats going up clearly not required, when this madness stops there is going to be huge unemployment & collapse. Help to Buy has distorted the whole Market and generally not required, huge numbers of buyers are earning £80k pa & some over £100k so they could have bought anyhow, this unfair subsidized scheme plus no stamp duty for new build only which is causing a glut, while existing Flats are disadvantaged & difficult to sell obviously.
From:
Michael Foley
20 July 2019 17:26 PM
Hi Paul you are right lots of Criminality going on especially with Airbnb. They lease your property, rent it for double or triple, its happened. They are laughing all the way to the Bank doing us harm, not their property and at end of day if it’s all goes wrong it’s the owner gets clobbered. I will have nothing to do we Black Market better to run straight ship and there are enough trip wires even at that.
From:
Michael Foley
20 July 2019 16:32 PM
Hi John, I am at a loss to understand why people considers Private Housing is more expensive than Council or Housing Associations without counting costs. The Council got the money from us the tax Payer to provide the Property, now that's easy so non of them had to do anything only take our money. The Private Landlord had to earn his money, pay tax on it first, save, borrow and re- pay the loans, SD etc, to buy the Property. then turn around pay Tax on the income. Maybe I am wrong but I think the Council don't pay tax, so if I am going to make a comparison, give me a free Cheque to buy the property in the first place plus then no income Tax, you can compare now. The fact is we supplied the property for free to the market at no cost to the State but Council & Housing Associations didn't.
From:
Michael Foley
20 July 2019 13:57 PM
I know Rogue Regulators will not let us have anything, It’s crazy for sure it reminds me of the Dog in the Hay, he can’t eat it himself & he’s barking at the Donkey he won’t let him eat it either, we still have to have our sense of humour or we’ll crack-up.
From:
Michael Foley
20 July 2019 11:25 AM
STOP. Please Stop now that wasn't too difficult was it. Problem solved leave things alone, now you can all go home and get on with your lives. I know the Rogue Regulators all from outside Private sector Housing won't STOP. I don't know any other Business, Company or Corporate that is fully Controlled by people from outside their Business, how long would they last, is it laughable or it might be more accurately described as Collusion & Corruption. Have a nice Day.
From:
Michael Foley
20 July 2019 10:29 AM
Where are they getting those imaginary Rent increases from, not West London. I had a good quality 3 Bed Flat in Acton vacant for months, only 2 lots of potential Tenants that would be paying for themselves, although 30 lots of free loader family’s, 4 lots of Rent 2 Rent, 6 lots wanted to sub-let with Airbnb which is amazing they were clearly going to make far more that me and not even own a property themselves, and loads are doing this one guy tell me they had 40 properties this way & couldn’t understand why I wouldn’t take the bate. 2 lot purporting to be from 2 different Councils offering me £200 pcm more than advertised price but for families with problems. I think that I have enough problems myself. Where are the self paying Renters gone, professional, White or Blue collar. The property is actually a HM0 which is a distinct disadvantage at huge cost & incumbents to me.
From:
Michael Foley
19 July 2019 15:09 PM
Mr smith getting rid of the remains of s21 is a non starter for me, to talk about specialist courts by which I think you probably mean the Tribunals which I attended many times both first & upper another non starter wasting our time & costs. Regarding Mayor Sadiq Khan proposed cap on rents I don't know what he is talking about all my rents have not kept in pace with inflation. Which ever property I pick is below inflation, for example I have a 5 bed House in Acton in 1999 it was £1820 pcm now 20 years later its £2250 so according to my mind even @ 2% it should be £2700 but I am sure someone with mats will correct me if I am wrong. The last 10 yrs alone gives Inflation @ 20%, but even at 1% aggregated since 1999 it would be at what it is now. What also impinged on me since 1999 huge costs & Regulations / thousands of pounds to do works to comply, some of it nonsense like Range Cookers and two Kitchen sinks in the same kitchen in many. Repeated Licensing schemes & Certificates of all kinds adding thousands more plus yours truly free slave labor for ever. So Mr Sadiq Khan please tell me what you want to cap or maybe you would like to guarantee me at least inflation rate. Then I have been advised by my Member or Parliament that he is in favor of scrapping s21 to give more rights to the Tenant, what Planet is he on ? did he really need to go to Harvard to come up with something that daft.
From:
Michael Foley
19 July 2019 10:27 AM
English Housing Survey, 4.5m Households in Private rented sector, 19%. 4m in Social Housing 17%. & 14.8m Households 64% owner occupiers. I think there are a few more statistics 4.8m family's on Housing benefit ( 2.7m workless) Huge numbers of single mothers on housing benefit how did they all get pregnant obviously the benefit system is designed to destroy the family unit, if the benefit system wasn't there, they would be supported by the Father of their kids but why rear your family when the State will do it for you ? & you can pass your day walk around looking smart shaking hands with your friends up the High St, who are also on the rock & roll, no wonder Society is gone the way it is, children brought up in broken family environment. We The Tax Payer are paying £46 billion to fund all this nonsense & then you hate us and screw us for every penny, so when you have killed us off where is the next golden goose coming from.
From:
Michael Foley
18 July 2019 21:53 PM
Yes Jemery if you are referring to me I should be regulated & ground into dust. I have them all to my cost, Mandatory, Additional & Selective Licensing, some have been redone three times since it was introduced in 2006. When I checked the Register some of mine were the only properties licensed at all in some roads from 2006 to 2011 & again from 2011 to 2016 even though mine were only 2 storey, but I never let rooms which is what HMO’s was all about in general with stupid regulations causing over crowding that it was supposed to prevent, causing sub-letting wholesale, Rent 2 Rent, AirBnB that may never have happened if the LL weren’t put into corner by Regulators, very good continue regulate some more, they have already caused this recession 👍🏻
From:
Michael Foley
18 July 2019 08:55 AM
Very good a very impressive record indeed. I just hope some other LL’s I know with 100 properties who have been skyting the Deeds for yrs haven’t caused S24 surely they have. Buy one property then get it revalued after 6 months take equity out to put on an other & so on, used to be totally tax efficient. Two things happened Woolwich started buy 2 let Mortgages instead of Commercial loans. Bank of England reduced Base rate which used never be below 5% so we were paying 8/9%, they kept reducing Base rates to one quarter %. This ment in effect they abolished Savers altogether, they were left with saving disappearing & had to do something so they brought property that they didn’t want or necessarily need all bidding against each other driving prices through the roof
From:
Michael Foley
17 July 2019 21:35 PM
Yes I agree with you they need education & formalised training, like I tried to give my own children with uni degrees etc, but there is something else missing their minds seemed conditioned to think the same, of Course the Town was built by great craftsmen when the only Certificate they had was a birth Certificate amazing that isn’t it, it’s my opinion this generation with all the education, laptops & iPhones / digital everything wouldn’t hold a candle to them & got no State help.
From:
Michael Foley
17 July 2019 20:31 PM
Regarding, Continuing Professional Development brownie points I’ll pass on this one. Having been a LL for over 40 yrs & able to do everything myself whether Refurbishment or building a House from scratch by my own hand until now when they changed all the rules to render me useless so it’s taken me over 4 decades to become an incompetent LL. Congrats’
From:
Michael Foley
17 July 2019 19:39 PM
I am not going to knock Agents they are suffering enough with the stupid fees ban. They employ huge numbers of young people just starting off in working life & their livelihoods put in doubt by rogue regulators, they provide a service & should be entitled to charge a fee, it’s up to the renter if they wanted to use the service or find their own accommodation but if they chose to avail of the service then it’s only right to have to pay for it. We already have too many fee loaders who expects everything for nothing.
From:
Michael Foley
17 July 2019 19:27 PM
Good Heavens it’s costing us about £1’000.00 more than that already in West London / over £1k plus £30 per habitable room, including your living room. Plus all the works costs
From:
Michael Foley
17 July 2019 16:41 PM
How right you are and DCLG so called simple Tenancy Agreement 46 pages on its own plus the other 50 pages we have to give them.
From:
Michael Foley
17 July 2019 12:18 PM
I don’t have Deposits anymore they were taking away by Shelter in 2007 and replaced with a Scheme to protect the Deposit itself that you just took. They didn’t understand the purpose of a Deposit is to protect your Property not protecting their worthless Deposits to us.
From:
Michael Foley
17 July 2019 10:12 AM
Technology is only crucial in destroying Landlords and everything we stand for and have done an excellent job of destroying us already.
From:
Michael Foley
17 July 2019 09:25 AM
What’s this another cock-up of a proposal of an amendment to the Finance Bill, it should apply to all LL’s who want to sell. I am sure we had enough of so called sitting Tenants, will we ever be treated equally, a level playing giro please.
From:
Michael Foley
16 July 2019 19:53 PM
Wonderful so take away s21, takeaway our 10% wear & tear allowance, increase Insurance Premium tax, make us pay thousands of £s for licensing Schemes that their friends are exempt from, put extra C/tax bands on rooms if you them extra facilities, pay full c/tax on voids or when refurbishing, pay fines / penalties/ Council Court Costs 37.5% plus victims support even though ty are the victim, pay hundreds of £s for all kinds of Certificate requirements for ever, pay for Deposit Schemes to protect the Deposit & nothing left to protect the LL, so why not pay SDLT for buyer, pay Capital Gains tax for yourselves and if any residue left when you snuff it pay Inheritance tax, several lots of VAT along the way, what is the definition of a LL it must tax & dogs body.
From:
Michael Foley
16 July 2019 14:51 PM
I am at odds with any of this nonsense, currently it’s the buyer that pays the SDLT but now we have a bare market houses taking forever to sell, the buyer is already factoring in SD by knocking it of sellers asking price, so how can we add it on ?
From:
Michael Foley
16 July 2019 10:24 AM
ARLA you are having a laugh, you are only in Business 11 yrs and dictating to us how everything should be, not surprising that you are singing the phrases of Dr Rugg centre of Gov’ housing Policy’s that destroyed us, Congratulations.
From:
Michael Foley
15 July 2019 20:03 PM
It’s all very well to say sell and buy a more modern one. The reality is very different, when you sell the capital gains takes a lump out so you won’t have enough money left to do anything as I know to my cost when I wanted to sell in one area & get one nearer to base. They wouldn’t allow to roll over Capital Gains, which now I understand is 28%, no indexation, taper or inflation relief. There are now waiting at Cemetery Gate for Inheritance tax. Why bother.
From:
Michael Foley
14 July 2019 13:08 PM
Maybe but there are plenty of double in Conservation Area’s perhaps more apply to listed buildings. This particular insulation don’t transmit moisture or capillary, stock bricks outside, London brick internally. So now I understand Premier May has thrown her hat into the ring to scrap what’s left of s21 for good measure to go along with labour, Citizens Advice, Shelter, University of York, every Local Authority in the land backed up by the Courts with any excuse to spot us using it, Tenants groups now emerging. How can any business survive this, to be targeted so unfairly by so many, just for providing quality affordable property to millions of people at no cost to the State. What’s going on here ???
From:
Michael Foley
14 July 2019 10:33 AM
Don’t know about Energy Performance Certificates it’s more uncertainty. I have a house band D the Assessor advised, to replace existing windows with new double glazing, do the cavity wall insulation, another 200mm loft insulation, new Boiler which I had done completely then another assessor came and gave me same rating as I had ‘D’. Its wonderful being a LL they are all on our case.
From:
Michael Foley
14 July 2019 07:56 AM
No way never again, what do you think we have been doing for the last 40 years only providing great properties & this is our thanks. The next time I hear the word professionalising I’ll scream, what they really mean is Digital Academics pressing buttons with their Digital / Apps / Accounts, regs etc, Bull sugar very unlikely a hands on LL among them.
From:
Michael Foley
12 July 2019 21:03 PM
I only agree with one half of your comment. Yes s24 disaster, yes hostile attitude & no fees. No shortage of Housing. Houses not selling also difficult to rent so can’t put up rent. I think the value of property gone down a great deal you have to take on board the money power gone through the floor/ currency drop.
From:
Michael Foley
11 July 2019 10:10 AM
I am all for servicing Central Heating boilers regularly, especially those days with modern so called energy efficient Boilers that are so much more troublesome than traditional Boilers gas central heating boilers, when they were better and seldom broke down, because no electronics virtually, magnetic circulating pumps that lasted for ever, just the odd little thermo-couple to change very occasionally, hoover out the heat exchanger that was before we were banned & all labeled stupid and need a professional, fair enough. Modern Boilers so many things to go wrong & they do, so much Electronics ? Circuit board, Valves, Sensors, Filters to clog up especially with condensing Boilers which they mostly are. When you travel about Town you'll have noticed the Fleet of Vans by the many different Companies clogging up the Streets just to keep Boilers running, Also gone are the loft storage tanks which were trickle fed to even out the supply, just wait until we have a real dry summer there could well be a big shortage with all the extra Flats, even though we have a new ring main for L London. However they increased the water pressure already in Acton to accommodate the new development busting my existing pipes putting cost on me. Is it really progress.
From:
Michael Foley
10 July 2019 12:14 PM
Disgraceful use of lottery funds used to destroy Private Sector Housing, how many more Rogue outsiders wants to live off Landlords’s backs, go get yourself a real job and for anyone else stop wasting your money gambling.
From:
Michael Foley
10 July 2019 03:19 AM
Whether its England , Scotland or Wales its clear they are out to clobber us. They are determinant to remove the little bit that's left of S21. OK then why not give us the same rights as lenders they don't need S21, if they don't pay or commit any breaches the lender is not happy about they are out in a flash for sure and no doubt about it, and get possession of the property. I understand that its their money so whats good for the goose is good for the gander, why not give us the same rights and then we don't need s21. when we have property that we bought & paid for, then its our property or put another way its our money so we should be guaranteed the same right as the lenders, its our money that's tied up in it just like the lenders money tied up in it. I can't see any difference unless we are not equal under the law of the land. Please enlighten me ?.
From:
Michael Foley
09 July 2019 20:47 PM
I do all the nuts & bolts as well / putting everything in order without the aid of a computer them it still costs four times your unfortunately, not much option someone has to do it.
From:
Michael Foley
08 July 2019 19:49 PM
HMRC has already written to me & my wife about bringing in Digital Tax, a complete waste of time because we are not able to do it as well as huge numbers of our generation traditional Landlords , just more rubbish to destroy us by digital Academics, every year it more & more unnecessary work load driving us into the ground, so much for computers suppose to make our lives easier but instead it has made it Hell, you can bring a Horse to the water but you can'y make him drink. When you were able to do everything for 50 years then they invent another system to render us useless. The Revenue says 92% file their Tax return online but what they didn't mention is we have to pay others thousands of pounds to file it for us, now they want a return 4 times a year which means they will have Quadrupled our costs well done this is some progress not.
From:
Michael Foley
08 July 2019 18:57 PM
Sorry typo that was meant to be 4.5 million house holds, those bloody phone’s
From:
Michael Foley
08 July 2019 17:30 PM
Paying tax is one thing, but doing away with Section 21 is something else, will we be in business at all ?. Also when Section 21 is gone, surely that means Assured Short Hold Tenancies are gone as well / the very basis-of any letting at all to 245 million house holds, think on.
From:
Michael Foley
08 July 2019 17:01 PM
Thant you, that's what I have been saying there is no shortage of Housing so why are they building thousands of Subsidized Flats clearly not required, it just media hype and if they don't take our Tenants to buy them where are the people going to come from. I have property vacant but very poor response although 3 Council did want them for people with many issues but I have enough of problems already, incidentally only 2 lots inquiring that intended to pay from their own pocket at least 30 other lots were wanting the system to pick up the tab. Regarding Help to Buy huge numbers of purchasers earn over £80k pa and some over £100k pa so they didn't need help & could have bough anyhow. I see some houses sitting there for year & half and no buyer the market has been distorted by the help to buy scheme where stamp duty don't apply and existing stock clobbered
From:
Michael Foley
06 July 2019 18:48 PM
Abi, if I may call you that, has got it right with regards to what Government is up to, in short its what I have been saying for a long time, they want us out because they need our Tenants for the thousands of subsidized Flats they are building clearly not required. It doesn't matter to them how long we have been LL's or how much tax we pay or the quality affordable accommodation we have provided for years. They get their big Salaries and Holidays anyhow of course they don't have to earn it or they would starve. its so much corruption now that the prosecutor / Council is also a Beneficiary undermining the rule of law, how can anyone have any confidence in the justice system with this rubbish taking a big financial slice of what purports to be a penalty / So called incentivisation Scheme its another name for fraud. Every LL pleads guilty whether guilty or not but they have the option to plead guilty if they want to have their fine doubled but naturally they don't like that option. After every Court outcome every council leader claps themselves on the back as if there was ever going to be any other outcome, saying let it be lesson to all other LL's not to dare stand up for themselves or we'll cripple you. Section 21 consultation farce it only going through the pretend motions, they are minded to do it anyhow ( or the remnant) or whats left of it. I now have conformation from my MP that he supports getting rid of S,21 if elected, he says he wants to strengthen the security Tenure for Tenants, apparently he doesn't know the balance of power is already strongly in the Tenants favour as only they or the Courts can end Assured Short Hold Tenancy and they will always be backed by Local Authority / Shelter / Citizens Advice, notwithstanding the fact that S21 has been so depleted already coupled with all the anti-private LL add ons debacles incl' deregulation Act, How to rent + another dozen to stop you using it. etc' its a stitch up plain & simple. Saint Paul used to do a lot of writing to the Corinthians but I think our Paul would give him a good run for his money, no offence.
From:
Michael Foley
06 July 2019 17:41 PM
It goes without saying s21 has been undermined completely, only one remaining tread left, now they are getting rid of that for Government to avoid their responsibility. The LL will be stuck with them indefinitely at his own cost, welcome to a major collapse, I can’t se it any other way / building thousands subsidised of Flats clearly not required.
From:
Michael Foley
06 July 2019 10:44 AM
Yes Paul dear, we are where we are through no fault of our own, we are where we don't want to be and don't want to continue under such Draconian regulations but they have put another huge tax penalty to try to stop us getting out, they want to keep us there to supply Housing, pay taxes and for them to be able to torture us in the future.
From:
Michael Foley
04 July 2019 14:43 PM
Private LL's haven't got a hope we might as well give them the Property now, my MP advises me that he is fully committed to strengthening Tenants rights, does he not know that the balance of power is already heavily in the Tenants favor. He in in support of doing away with no fault evictions / (s21) of course there is always a fault otherwise we would not want to remove a Tenant but want to keep them forever like I have some 10 yrs +. Its a completely different scenario when they know they can't be removed, then they are sure to play up. HM0's are a bad joke costing me tens of thousands just because persons are not related, damaging property / over crowding etc but we must have control of the property but they having giving us no instrument to do this & worse still exclude us from our own Property, well done. HM0's introduced in 2006, taken our Deposits away in 2007, taken away our 10% wear & tear, "Right to Rent" increasing our work load, "How to Rent" by Shelter not needed how did we all manage all the decades before & legally inept / changed so many times in just 5 yrs ie, introduced 10-4-2014 / 11-6-14 / 25-9-14 / 1-10-15 / 1-2-16 / 17-1-18 / 26-6-18 / 9-7-18 / 31-5-19 just how many goes do they want at it, and if you didn't serve the latest one each time couldn't use s.21. are they are really in charge of us OMG. Private members Bill / Sarah Teather failed not a problem for them they got it in the back door with Deregulation Act, Article 4, s.24, 3% SDLT surcharge hike, 8% capital gains tax surcharge hike, unlimited fine / charges / penalties, confiscation orders, criminalization of LL's previous civil matter, fake help to buy schemes, we fund all totally in every respect, can't use s.21 if ? we didn't give them Gas certificate before signing Contract previously as long as we had one in place, any repair issues, haven't given them latest How to Rent guide, haven't given them prescribed information, haven't given them Energy Performance Certificate, haven't protected the Deposit, have taken more the one wk's holding deposit, have taken more than 5 Wk's Deposit, haven't given the copy of HM0 license or haven't got one if required, haven't done your ICO check etc, etc. What on earth has all this to do with Quality Affordable Housing. I have to thank them for helping us so much. Please go away.
From:
Michael Foley
04 July 2019 14:16 PM
Deposits were to protect the property and no other reason but not anymore its been turned upside down / back the front, just to protect the Deposit it self , nothing protecting the property and is now another liability for the LL, have a look in your boots see if there is any brains down there
From:
Michael Foley
29 June 2019 14:39 PM
Rent a room Scheme is unfair & another distortion of the market, used as a cover to rent to 3 / 4 people, where as we have to pay tax on every penny and get a HMO license in many areas whether Selective or Additional & why are related persons exempt this is Discrimination / taking the mick.
From:
Michael Foley
27 June 2019 10:19 AM
Many of those homes are empty because of Rogue Regulations, LL’s rights taken away and too scared to rent. I see more on the way another 12 recommendation by DCLG to do as much as possible just where do those people get off. There is no shortage of Accommodation for paying Tenants but there is a shortage of those Tenants. Anyway don’t worry it will get worse.
From:
Michael Foley
27 June 2019 05:51 AM
I don’t do Inventories either but had always done them for 30 years prior to 2007 when Shelter brought in Deposit Schemes to undermine Section 21. Leaving is wrong what ever we did.
From:
Michael Foley
26 June 2019 09:39 AM
OK but I am still paying full c/tax on empty property. It’s not empty by desire or for refurbishment but because there isn’t enough Tenants to go around yet they keeping building thousands of Flats clearly not required just because of subsidised Scheme distorting the whole market .
From:
Michael Foley
25 June 2019 21:50 PM
Well fair enough but we pay massive Insurance Premiums & premium tax to cover those unfortunate events, also if the Fire Brigade is called & not taking anything away from them and the wonderful work they do, its my understanding you have to pay them as well anyhow.
From:
Michael Foley
25 June 2019 21:31 PM
You can have all the Periodic Inspection you like, you are still powerless to do anything, if you go to the Council that’s if can get to see them which is almost impossible & there pretend phones those days / obsolete, they will target you. Anyway the Council will side with the Tenant & Tenant will claim harassment because you visited regularly. There is no way that LL will be allowed to get any backing. DG is right I have it all the time fire alarm pulled from ceilings. Doors jammed open etc. Everything the Tenant does wrong is LL’s fault and he gets fined, do you still not know we have a new legal system where by it’s the victim that gets the penalty.
From:
Michael Foley
24 June 2019 17:07 PM
Just Scrap it and be done.
From:
Michael Foley
24 June 2019 10:21 AM
Further to National Landlords Association article on your blog today, of which I am a member. I don't agree with any of this, do you really think that the tenants don't know all about Renting ?, you must be having a laugh with reference to "How to Rent" guide. Tenants are usually younger than LL's more educated, digital competent and all have iPhones and know all or able to access everything. The Tenants are coming to me telling me their rights so don't bother with your surveys. How to Rent was brought in by Shelter in 2014, forced into our Tenancy agreements against our wishes, not required & without Consultation, how do you think we managed for the decades gone before. This is more unnecessary unpaid work load for LL's to add to all the other unpaid things we have to do, this has proved to be legally inept, ie Introduced on 10-4-14 / changed again 11-6-14 & / 25-9-14 / 1-10-15 / 1-2-16 / 17-1-18 / 26-6-18 / 9-7-18 / 31-5-19, just how many goes does those incompetent people want. They have cost me so much printing those booklets again & again then not able to use them because you must have the latest one whats a waste of paper, I know my time is irrelevant free for all. Just Scrap "How to Rent" and while you are at it Scrap "Right to Rent"as well.
From:
Michael Foley
24 June 2019 09:47 AM
There is no Houses Crises, no shortage of housing, they are just building thousands of flats clearly not required, look around you its mad. there are huge Council waiting lists and no surprise how big that is, many are on there not because they couldn't live without it but because its subsidized of free, they are not stupid when you have designed a system where everything is provided & there for the taking just push Husband to one side and they qualify. The Government must hate the family Unit to have gone to those lengths to destroy it, no wonder their children have issues & Society gone to the dogs, now packing them into high rise Flats which is what's happening not good for kids stuck in there playing weird games on their consul or watching crazy films getting fatter every day getting obese ending up with health problems, maybe getting fire brigade to take down the door to get them out. Flats without gardens waste of time for children, why not spent the money building proper houses with gardens like 1930 although big developers wouldn't as much money for old rope as repetition Concrete Frame that would be a shame. Then help to buy nonsense costing the Tax Payer £Billions to subsidized plus loss of Stamp duty & in many cases not required as they could have bought anyhow, have you seen the figures so many earning £80k pa others even over a £100k all on new build up to 600k in London probably all Flats, existing property don't qualify more nonsense looking after big developer. Regarding the Law on LL's or lodgers there is no such thing for sure, the Council is well above the law and do what ever they want and get a cut of the spoils, if you do everything right don't think that you are protected, have you not been following the cases after which they call it a successful outcome and give themselves a clap on the back as if there was ever going to be any other outcome.
From:
Michael Foley
22 June 2019 13:36 PM
Good on you and I wished I had your administration skills but unfortunately haven’t. I was a Tenant for 9 years & lived in various around the uk because I followed the work. However I Built my own house in Ealing in 1973 by my own hands with only hand tools no Electric on site and cordless tools yet to be invented, proper 4 bed Detached House, incidentally which I still have. Regarding getting rid of us in preference to housing all Benefit Tenants, this is fine by me but they’ll get the shock of their lives when they realise we’re not there to pay the taxes to fund them all.
From:
Michael Foley
21 June 2019 20:29 PM
Thank you Paul I digress and agree with you. I shouldn’t invest and definitely not able to coping now but not with any aspect of providing quality affordable housing. It’s all the nonsense regulations & legal farce to drive us. They need our Tenants for the thousands of Flats they are building clearly not required, it’s a shame someone didn’t tell me that I wasn’t fit for purpose in 1978 41 years ago & I wouldn’t have bothered, just sorry for ever being a LL and the contribution I made.
From:
Michael Foley
21 June 2019 18:23 PM
Obviously some great LL’s and wonderful Tenants in the main who are a pleasure to deal with, that we would never evict and only sorry the day they move on. S21 is only there protect bad Tenant which I haven’t use in years but the fact that it is there helps because they know as a last resort you could use it if they get too much out of line. The last time I used s21 I was owed £9k got Court Order for fill amount, cost me another £1500 legal plus VAT of course didn’t finish there had to pay Bailiffs, to make a long storey longer I never actually received a penny, good system isn’t it not ?
From:
Michael Foley
21 June 2019 17:47 PM
Sorry again I was not disagreeing with you Abi Bhalla which I totally agree with but about previous comment by Paul who I usually agree with.
From:
Michael Foley
21 June 2019 15:50 PM
Sorry to disagree but we are not allowed to run our business anymore.
From:
Michael Foley
21 June 2019 14:44 PM
There is more they dismembered my wardrobes & reused the parts staked together in the garden to make perimeter of swimming pool, then draped a large lorry tarpaulin to form pool and filled with water which it did hold, then left there indefinitely until it stank. I am now going to do some work to get my mind off those things.
From:
Michael Foley
21 June 2019 09:55 AM
I had similar problem with a house I built in Croydon, where I lived before renting it out. Recked every wall bashed & holed plaster board no barrier to them. All new carpet gone, ceiling & walls painted wears colours, light fittings broke, every plug socket broken or cracked, consumer unit interfered with/ large metal screw put across main fuse to use equipment to powerful for a normal house. The Council was completely on their side & sent me warning letter about correct procedures. I eventually got house back & had to do all the work again at my own expense. Then sold so sorry for my years of labour not making a profit & then pay capital gains tax, so spare a thought.
From:
Michael Foley
21 June 2019 09:26 AM
If only life was that simple. I had a major Housing Association wanting to rent from me, they also insisted I should do the garden as equipment could not be supplied to the Tenant because they might cut themselves or Course they are far more important than me its ok fore cut myself.
From:
Michael Foley
19 June 2019 12:14 PM
It’s my understanding that LL’s are not allowed to require the Tenants to keep the Garden. We might as well give them the Property but that would never do, then they might actually have to do something.
From:
Michael Foley
19 June 2019 11:37 AM
I don’t know why you are on about controls. I haven’t increased some in 5 years & others in 10 years . There is no 2.44% for me while at same time I have property in Acton vacant for months & can’t find suitable Tenants. The costs keeps rising including full c/tax plus all the Council rules to destroy us & for no other reason. Shelter at it again saying we should have same restrictions as Scotland which they say is working well but they used the figures from before it was introduced, how can anyone get away with a stunt like that, this is just like when they took our Deposits when they alleged 44% of Deposits were withheld by LL’s, it later turned out the real figure was less than 2%. I can’t understand why we are not allowed to run our business anymore.
From:
Michael Foley
19 June 2019 10:01 AM
Wrong stories that’s all in the past, leave that to the history books. We are worried about now & the future, the whole industry collapsing by Statue. Thousands of Flats being built clearly not required plus private LL’s not allowed to run his business, this cannot work.
From:
Michael Foley
17 June 2019 19:33 PM
More nonsense by activists who wants everything their own way, how much property do they supply ? zero but they think they know everything and stir up trouble which is their motto. I can't see any difficulty for all those persons who wants all those rights & the Landlord to have none, no problem buy your own and see how far you'll get pushing the lender about, best of luck.
From:
Michael Foley
13 June 2019 19:16 PM
Well said Paul, it's absolutely ridiculous that we don't have a strong lobby group to represent us. The most powerful lobby group has destroyed our business, made rules, even changed the law of the land, they are not Elected Representatives, it's so farcical its too hard to comprehend, they do not supply the housing, they do not own the property / finance or pay the loan so they are nothing only living off our backs, why the Government entertain I don't know. We should have a unified LL Association. I have been a member of 3 but currently a member of 2, NLA & iHowz. I agree we should have one and better if they all amalgamated and better still if all LL's joined but some are so mean they would begrudge the very reasonable annual fee. We are the LL's we own the properties so we are the very people that should have a strong lobby group and not some lame duck organisation with no Housing to put a roof over anyone head, charity status indeed while paying their top brass in excess of £100k pa. I suppose I shouldn't be surprised when a Minister give a huge Contract to a shipping Company with no Ships. The Government should show us some respect giving that we are the biggest provider of quality affordable Private Housing in the Country and the contribution we make to the economy & Revenue.
From:
Michael Foley
13 June 2019 12:48 PM
no comment on this one. There is currently a save Section 21 campaign live and urge every Landlord to take part. There seems to be only a handful of us LL's trying to fight for our rights and that's a bit obvious, this is no different than before when we were campaigning to have s21 introduced all those years ago and since to have squatters rights removed from Residential properties, they are quiet happy to sit on the sidelines & avail of any concessions we might achieve, this is totally wrong & I assume there are 2 million private LL's in UK, so don't leave it to a dozen of us, stand up & be counted / stop hiding behind the Bush unless you are so crooked you can't shoe your face.
From:
Michael Foley
13 June 2019 09:29 AM
So 20% of Tenants are on Housing Benefit that’s every fifth person many free loaders & huge numbers of false Claimants among them, they have Priority over working Tenants who pay taxes to keep them but never mind that they have equal rights for watching tv all day as the worker who has fare to pay to go to work, maybe £2 for a coffee down the City, instead of 20p at home, pay kids schooling / uniforms etc’ it doesn’t look equal to me.
From:
Michael Foley
12 June 2019 21:29 PM
We now have to comply with energy performance everything. They are aiming for Zero Emissions by 2050 but we had all this already in the 1950’s, so it’s taking us 100 years to get to where we were 100 years ago, now the is some progress.
From:
Michael Foley
12 June 2019 16:20 PM
With myDeposits Insurance backed Scheme, for a small charge.
From:
Michael Foley
12 June 2019 15:40 PM
Sorry I meant How to Rent the phone changed it automatically. Right to Rent is just something else we have to deal with.
From:
Michael Foley
12 June 2019 10:39 AM
We have been had by an anti private LL Non-Housing Organisation with Charity Status indeed, who took away our Deposits in 2007 based on a pack of lies when they alleged 40% of Deposits were withheld by LL’s, it later turned out that real figure was less than 2%, took away our wear & tear allowance, Brought in Deregulation Act & they are not elected representatives, forced in Right to Rent requirement & not fit for purpose / has since changed 6 times because of legal mistakes. It seems to me they installed a member of their team in May’s Government at No. 10 & wrote the Policy’s from with-in. Disgraceful to be allowed to do this, the best footballer is always in the Stands.
From:
Michael Foley
12 June 2019 10:17 AM
The reason for getting rid of s21 is nothing to do with LL’s getting rid of Tenants willy nilly. The truth is Local Authorities wants it to avoid rehousing people, if LL can’t evict them he is stuck with them indefinitely at huge cost to private LL’s. Tenants won’t be able to approach LA for housing because they won’t have a Court Order which is a requirement to prove homelessness, is that not simple enough to understand.
From:
Michael Foley
12 June 2019 06:40 AM
We’ll all have mental health issues the way we are treated, pillarised, wronged, blackguarded, taxes to the eyeballs, criminalised, slave labour just to house other people, no one concerned about LL’s health we don’t have the rights of a dog.
From:
Michael Foley
08 June 2019 08:09 AM
God help us tax payers, How much is 5 years rent plus Benefits, free loaders have destroyed the economy of the Country.
From:
Michael Foley
07 June 2019 20:31 PM
It’s the Council that were responsible for having the sub-standard cladding installed which caused the deaths of 72 persons RIP at 24 storey Grenfell Tower affecting hundreds of Families, so much pain & suffering if Regulators kept away it wouldn’t have happened. I am now astonished that just a mile up the West Way construction has started on another Residential Tower Block but this time it’s going to be 42 storey double height of Grenfell Tower ? I am speechless.
From:
Michael Foley
06 June 2019 17:04 PM
No need for us to do that, the Council is doing this already, thousands more joining the queue every week it’s called free living and so popular, why would you buy a cow when the milk is free.
From:
Michael Foley
06 June 2019 15:33 PM
It’s not possible to increase rent when I have property empty & can’t find proper Tenants, everyone that comes are on benefits, wants to over crowd & ready to give birth. Only one lot that came were going to pay their own rent but they couldn’t afford really not even on minimum wage. Then not surprising a West London Council are paying out £37m pa. This is disgraceful waste of tax payers money everyone wants free living & Council willingly obliges. We all know they are designing their status to suit thy system & another 7 / 8 thousand on the freebie list, but not waiting to rent my property from their own pocket.
From:
Michael Foley
04 June 2019 09:51 AM
Hi leveraged LL’s got well stitched up at least the existing ones before s24 was introduced because they bought in good faith according to the rules & taxes at that time. They could only have based their decision on those rules & regulations, how else would you make any business decision. Section 24 should only apply to purchases that were made after it was brought in. It’s not much use phasing it in over 4 / 5 years when we buy property based on loans over 25 years.
From:
Michael Foley
03 June 2019 18:22 PM
Sorry I said We’ll have to pay the Tenants to live in our property. I think they have nobbled my phone it likes to change whatever I say.
From:
Michael Foley
03 June 2019 10:34 AM
All of us quiet following Tenants anti-Private LL’s Act 1st June, a list of no no as long as your arm, everything at LL’s expense, we cannot even ask them to keep the garden where they throw all their belongings they don’t want but that doesn’t matter I am free labour dogs body for them. The Act missed an opportunity for LL’s to have to the Tenants to live in our property.
From:
Michael Foley
03 June 2019 10:25 AM
I can’t get my head around the outcome of Court Case where there was implications with regard to Assured Short Tenancies after say the 6 months ended. Then became Statutory Periodic Tenancy but the argument was whether it was a Contractual or Statutory Tenancy, the difference being if it was one as opposed to the other the LL became responsible for the c/tax, big danger.
From:
Michael Foley
02 June 2019 13:09 PM
London is a stupid market for sure & we are hammered from all angles, yet I get less that 3% return + a whole raft of extra costs including licensing with fees double most other parts of uk. The North West where to could get 4 properties for the price of one in L’don & get 6 / 9% return. Then you won’t be able to pass on even one property on to your family with-in the Nil Rate tax Band where as in NW pass on 3 / 4 properties free of Inheritance tax, we are doomed & Discriminated against.
From:
Michael Foley
02 June 2019 12:37 PM
We as LL’s have been strangled & weighted down with unpaid work load since 2004 Deputy Premier Housing Act. I now read at least another dozen of freebies that LL’s has to preform out of unpaid labour. This must surely be in breach of Modern Slavery Act 2015.
From:
Michael Foley
02 June 2019 08:48 AM
So many young men & women working in Estate Agency likely to loose their livelihood. Rogue regulators non stop to destroy business, do they not know that they are providing a service for a fee, the Potential Tenants are not forced to use them, it’s their option & services cannot exist without a payment. It’s just doing away with jobs.
From:
Michael Foley
02 June 2019 07:23 AM
From 1st June as I understand it the LL cannot reduce the Rent for the Tenant once a Contract has been entered into or continuing. The amount of rent charged cannot change & has to remain the same every month of the Tenancy.
From:
Michael Foley
01 June 2019 12:36 PM
No need for Rent Controls too late for that, the market has already collapsed, the Government has achieved its objective. The cow has gone dry.
From:
Michael Foley
01 June 2019 11:11 AM
No infighting sure we are all stressed out, there is no fair competition when some letting landlord have to be licensed & restricted while others let to families, no license required no restrictions on numbers while most have free living at tax payers expense. Council waiting lists getting longer every day because people are designing their lives to live off the system. The HB should have been sorted out years ago to stop false claimants, then there would be no housing problem, but they are king and untouchable.
From:
Michael Foley
30 May 2019 22:43 PM
So Government want cheaper Rents, why then have they spent last 12 years driving rents up with several rules & requirements, plus fines, sanctions, penalties, a load of other requirements, licensing, Deregulation Act, s24, meddling with s21, wear & tear gone, how to rent, right to rent, Deposit debacle, c/gains tax, Insurance premium tax hike to 12% The list is endless then wonder why rents are what they are, is it any wonder 650 of them can’t agree on anything.
From:
Michael Foley
30 May 2019 21:57 PM
Please no infighting
From:
Michael Foley
30 May 2019 21:05 PM
LL suppliers of quality affordable housing to PSH for decades & a huge tax contributor now considered enemy No 1. So now we have ‘WHICH’ joining the band wagon of LL bashers to go along with Shelter, Citizens Advice, University of York, LA’s, Radio Station, G Osborne the designer as Chancellor now fake news as paper editor, no one to stop those people destroying the economy, everyone sleep walking into another disaster Recession.
From:
Michael Foley
29 May 2019 03:10 AM
Who is writing the legislation ? That will probably be University of York centre of Government Housing Policy’s, they don’t live in the real world.
From:
Michael Foley
28 May 2019 12:41 PM
Good luck to you keep well away from the Smoke.
From:
Michael Foley
27 May 2019 09:14 AM
You don’t need a Mortgage Advisor, what you need is an Auction House & get out quickly now. Housing Market has collapsed whether selling or renting it flat. I have been two my MP this for 2 years but they would rather listen to Shelter & fake media including a dedicated anti-Landlord London Radio Station. Brexit done damage granted but the biggest culprit is the Rogue Regulating & unfair rules & mad penalties, fines & sanctions just to destroy us which had been very successful, but you cut off your nose to spite your face.
From:
Michael Foley
27 May 2019 08:48 AM
5 weeks Deposit up to £50k rent pa on property Contract or 6 weeks Deposit over that I think.
From:
Michael Foley
24 May 2019 20:59 PM
It doesn’t matter to Gov’ whether we are forced out or not, there is always a pot of gold for them. They will have SDLT from next buyer & Capital gains tax from us or Better still if we die they will have another 40% graveyard tax, no worries for Gov’ just keep churning the property over.
From:
Michael Foley
23 May 2019 23:43 PM
We have huge penalties already whether licensed or not but LA prosecute and are benefiting from fines , conflict of interest. We are now too scared to let not that it matters anymore now that the housing market has collapsed. Building tens of thousands of Flats clearly not required because of fake media & subsidised unnecessary Rogue Schemes to line the pockets of big Developers. Where are all those people living now. I will tell you where we house them so you have to bankrupt us to take our Tenants.
From:
Michael Foley
23 May 2019 23:13 PM
Licensing Schemes are just anti -LL Schemes. All my properties are licensed some as far back as 2006 & some relicensed twice more so some being licensed 3 times. This was the biggest disaster before S24 / S21 meddling. It’s total discrimination against some LL as it only applies to some sections of the community if you let to family’s not required as if they wouldn’t burn at all. It’s destroyed property big time causing damage / over crowding / sub-letting full scale because LL on back foot all he can do is keep his o below parapet & hope Rogue Tenants don’t complain to Council or he is guaranteed to be sanctioned. £5k first offence civil, second offence upto £30k criminal, no Court just like a parking ticket or if you would like to go to Court unlimited fine. All one sided no equality whatsoever before the law.
From:
Michael Foley
23 May 2019 17:50 PM
Forget about Housing Courts just leave S21 alone or what’s left of it following Deregulation Act which has already depleted made it very weak. That simple enough & stop meddling, if what you mean by housing Court is First Tear Tribunals or upper keep well clear of that, it will be far worse I have attended & observed.
From:
Michael Foley
23 May 2019 09:11 AM
It doesn’t matter anymore what they do, Housing & rental market has collapsed which was designed to happen by policy makers. Houses not selling, renting difficult, not unexpected as it was clear from outset of Rogue help to buy Scheme distorting the whole market. Penalties & Sanctions whole sale for LL’s. Tax payers money used to subsidies building tens of thousands of Flats not required & or to subsidise the occupiers which what they are doing. I told my MP a year ago that we are in recession because of this + the many other anti-LL incumbrance’s but it seems they they don’t know anything until about a year after it has happened.
From:
Michael Foley
20 May 2019 09:25 AM
It's not just LL that are affected by those rogue regulations, people are so silly thinking its only LL's that take the hit, its everyone that owns a Home. Property not selling or taking a year to sell at a reduced price, when does the penny drop. Auction Houses full, not because the market is booming but because LL's getting out quick. Sales might seem good but they are the subsidized Scheme Flats from tax payers money distorting the whole market, building thousands of Flats clearly not required, no use taking figures from Housing lists they are all on that which is understandable if you are going to get subsidised housing or some for nothing freeloaders.
From:
Michael Foley
16 May 2019 09:04 AM
It no use corralling property prices & interest rates to work out how much rent should be when the market is completely distorted with Stamp Duty Land Tax Penalties, even on a Flat of £350k = £18k SD or more likely Flat in L’don & £500k = £30k SD so how many years of your investment to get that worked off, you are not buying an acid but a tax liability.
From:
Michael Foley
15 May 2019 18:33 PM
House of Lords select committee now come to conclusion rents are too expensive & something needs to be done about it. The Authorities that be have spent last 12 years making rules / regulations each one adding to the cost of the let, now they turn around and say rents are too expensive after they caused it, are those people for real. Sir George needs to wake them up.
From:
Michael Foley
13 May 2019 10:32 AM
LBC would that the anti-private Landlord Radio Station,
From:
Michael Foley
10 May 2019 12:16 PM
Hi Marc De Silva what a load of old tosh, what Planet are you on, is there no equality before the law of taking advantage of fellow human beings
From:
Michael Foley
09 May 2019 15:30 PM
Don’t take the Mick.
From:
Michael Foley
08 May 2019 15:12 PM
I don’t think the LL broke the Glass in the windows either. It’s not a question of LL allowing the Tenants to live like this, the Tenant live how they choose & LL powerless to stop them, so maybe another miscarriage of justice. I see Council issues improvement notices that are usually impossible to comply with, when every room are full of Tenants belongings not possible to do the work with the best will in the World & even worse when Tenants on Benefit as they are present as well, at least if the property was vacant you could move furniture/ beds etc from one room to another temporarily but not possible with Tenants possessions & they wouldn’t want you to touch them either, for this reason generally LL not able to comply hence subsequently gets big penalty, so it’s nothing to do with LL allowing them to live like this he cannot stop them now that he has no rights anymore & excluded from the property.
From:
Michael Foley
04 May 2019 20:44 PM
What ever the rights & wrongs are, this is disgraceful behaviour by Council & Courts. This is an affront to British Justice, have you not ever heard of the punishment to fit the crime, this is way over the top and CONFlICT of INTEREST in the extreme. Council shouldn’t be beneficiary of their outrageous Actions & using the Court System anytime they want a few bob, causing public to loose confidence in the Justice System, no wonder we have a young generation growing up that couldn’t care less.
From:
Michael Foley
02 May 2019 19:16 PM
So Sorry that I was ever a LL & have to put up with this nonsense. The Tenants have all rights already & we have none, then LL is responsible for everything & criminalised + pay all incl’ trumped up penalties. So you want more freedom just buy your own & pay your Mortgage the lender don’t put up with your nonsense or have trouble getting the Property back. There is no shortage of Housing just thousands of Flats being built clearly not required because of subsidised Schemes.
From:
Michael Foley
30 April 2019 12:27 PM
I admire your honesty, you tell it the way it is, that was straight from the shoulder ✅
From:
Michael Foley
29 April 2019 21:27 PM
I think there are plenty of other child benefits apart from children allowance as we used to call it, and free schooling, uniforms vouchers plus medical care etc’ however I digress if I get it wrong. Cheers
From:
Michael Foley
29 April 2019 21:08 PM
Why are they having babies that they can afford or is it that the mothers want to be kept / housed / fed and their family’s for them forever on our taxes. Working parents seem to be only able to rear two children & get no child benefit allowance, while non-working non- contributing benefit mothers seems to have 4 / 5 children which is a requirement to qualify for all tax payers money , is this not very true.
From:
Michael Foley
29 April 2019 19:13 PM
Hi you can’t be serious how on earth are they going to give the Tenants more rights. They have them all already, it’s only the Tenants or the Courts that can end a Tenancy and now they want to make Tenancies without end at the discretion of the Tenant. So what more rights can you give them unless you are going to give them our Property but they wouldn’t want that either as we wouldn’t be around to Molly cuddle them.
From:
Michael Foley
26 April 2019 17:03 PM
S21 was brought in for a reason and it was almost impossible to get some where to rent at that time, because if you let to someone at that time they immediately became a sitting Tenant so that didn’t work did it. I had campaigned for years for the 1988 Act & only for Sir George Young championed it, there would be no letting business, do they really want us back there again. There is never a mention of the huge tax contribution we make, it seems to me we are frowned upon, the Benefit claimant has the whip hand. Before the 1988 Act I had to and source my Tenants via Ltd Companies which gave some small level of protection.
From:
Michael Foley
23 April 2019 15:29 PM
Tens of thousands of Flats being built clearly not required, just because they are subsidised making millions of £’s for big Developers. I disagree with everyone there is no shortage of housing, it the sheep going through the hole in wire fence syndrome.
From:
Michael Foley
16 April 2019 21:43 PM
So if Tenants & Shelter wants all this security of tenure no problem, buy your own but don’t expect me to work myself into an early grave to keep a roof over their heads. They will soon find that Banks will not have to put up with nonsense, but add huge penalties willy nilly and no problem getting repossession either, no specific kangaroo Court need for them.
From:
Michael Foley
16 April 2019 03:23 AM
There is no such thing as a Government Consultation, we had all that with the Licensing Schemes. I attended 3 separate meeting around one Borough. The Mayhew Report where a guy from York came & told us what they were bringing in & that’s what happened we had no say whatsoever. That’s not a Consultation and the clowns got paid £100k for that our money.
From:
Michael Foley
15 April 2019 17:49 PM
Final nail in the coffin.
From:
Michael Foley
15 April 2019 10:06 AM
I think we can take a hint it fits in my mind that they want us out. I disagree with everyone that there is a shortage of housing regardless of media hype. Thousands of Flats being built clearly not required in almost every London area, where are the occupants to fill those. They have to get rid of us as they need our Tenants to keep making £m’s for big Developers subsidised schemes. 40% of purchase money interest free for 5yrs first time buyers up to £600k & no S.D. + only 5% Deposit, what’s going to happen after 5 yrs when they can’t afford ?.
From:
Michael Foley
05 April 2019 07:23 AM
Hi, so now we know where we stand, they all have their snout in the trough. Letting Agents who live off our backs have joined the anti-private LL band wagon, just avoid them & don’t use them giving us the ability to offer Tenants a more reasonable rent.
From:
Michael Foley
03 April 2019 09:54 AM
I built a Detached House in Ealing, West London in 1972 / 73 by my own hand & still have it. There was never an issue with mould or damp for 35yrs until a particular type of Tenant came & blackened the whole place in 6 months flat. When that Tenant vacated I redone the whole place & never a problem since either, probably 300 Tenants passed through without a problem. It’s rarely the fault of the Building, perhaps Digital Academics like Aspect could throw away their computers / lap-tops etc, and try a hammer, Saw, trowel, brace & bit, it might help housing quality, too many people making false allegations & living off our backs.
From:
Michael Foley
01 April 2019 19:44 PM
Hi Aspect, what a load of crap, what about LL stress & anxiety caused by clown like you, how much more bull sugar can you come up with ? one time they used to blame Russia for the weather.
From:
Michael Foley
01 April 2019 18:51 PM
Another fools regulation for fools day, we don’t want protecting, we don’t want anything to do with you, go away and leave us alone.
From:
Michael Foley
01 April 2019 15:26 PM
So Mr T Gatzen you think it’s ok for every fifth one to have a free ride, so the other four are some fools. Can we not have a petition where we are allowed to vote against.
From:
Michael Foley
30 March 2019 15:58 PM
I can’t understand why HB Tenants have far more rights & entitlements than hard working Tax Paying Tenants who have to pay for everything.
From:
Michael Foley
30 March 2019 13:25 PM
I seen the notice Boards around Archway in 60’s saying no Irish and I didn’t have a problem with that at all. I was just delighted to know in advance. I wouldn’t want to go somewhere what I wasn’t wanted. Many w
From:
Michael Foley
27 March 2019 09:00 AM
Well don’t your discriminatory petition shouldn’t be allowed. I tried to vote but the plat form only allows you to vote for & not against this is another Rogue petition, no need to bring the Irish into it I was here in early 1960’s
From:
Michael Foley
27 March 2019 08:56 AM
I am surprised that no one made a comment about Government Panel Debate at Olympia 21.3.19 where thousands of LL attended maybe because it was fake & not a debate. That Chair a load journalist wouldn’t let us speak. A letting Agent / Finance bloke talking up the market & not saying about problems. Less tax man think we should have longer Tenancies & allow cats & dogs, we have been victims of this in the past. Then another journalist a lady not much to say. Then a former Government Minister who was the only one worth having on the stage of the Auditorium, at least he knew what he was on about even if I didn’t agree, What a sham.
From:
Michael Foley
26 March 2019 11:22 AM
It’s ridiculous they are using the Wilson’s to get rid of Section 21, just one LL to change the law for thousands of us that have been LL far longer than the Wilsons but we never really hit the big time because we changed moderate Rents for excellent property & were never ruthless.
From:
Michael Foley
19 March 2019 04:02 AM
Rubbish more & more rubbish
From:
Michael Foley
08 March 2019 09:40 AM
So it’s all about digital academics making all the rules & not Landlords. Why don’t you understand it’s digital that has destroyed letting & you are all there doing as much damage as possible with your computers, you are all rogues & living off our backs.
From:
Michael Foley
06 March 2019 16:37 PM
The London Assembly agrees a motion to scrap section 21,non of their business it's not their property obviously they don't know why it was brought in, in 1960's / 70's it was almost impossible to get a Pace to rent. I should know I was a Tenant at the time, if a landlord let his property to anyone back then they immediately became a sitting Tenant so that didn't work did it. Hence the laws had to change in order for people to find accommodation. I suppose London Assembly would like to go back to 1960's again its no difference to them how much damage they do not their Property. How many more, come on keep bashing us it all you know.
From:
Michael Foley
11 February 2019 21:32 PM
Did landlord cause Smoke detectors to be hanging from the Ceiling. I think we all know the Tenants done this.
From:
Michael Foley
03 September 2018 09:52 AM
So many regulations each one with a cost driving rents through the roof. making Rent unaffordable that's why there was 20'000 evictions of misfortunate tenants last year mainly due to rent arrears through no fault of their own, it's hard to imagine Government & Local authorities hate Tenants so much and then pretend to be their friend.
From:
Michael Foley
24 August 2018 12:27 PM
The Landlords that are mortgage free as you call them are paying 45% tax already, plus now no wear & tear + load of expensive regulations / Penalties
From:
Michael Foley
08 June 2018 14:10 PM
Why make more regulations for Landlords we now had 10 years of this doing enormous damage driving rents through the roof, making letting un-affordable. Lumbered with huge taxes / Stamp Duty Land tax 3% super levy / Capital gains tax 8% surcharge /Insurance Premium tax hike, Licensing schemes expensive & funded totally by us, penalties up to £30k by local Authority who keep 37% for themselves this is conflict of interest, Investment tax relief cut by 25% per year until it disappears, 10% wear & tear gone which was there as long as letting itself, Section 21 made useless by Deregulation Act, Deposits not worth having they made them another liability.
From:
Michael Foley
04 December 2017 16:07 PM
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28 November 2020 22:36 PM
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28 November 2020 21:22 PM
From: Michael Foley
27 November 2020 10:07 AM
From: Michael Foley
26 November 2020 10:23 AM
From: Michael Foley
25 November 2020 17:05 PM
From: Michael Foley
24 November 2020 20:37 PM
From: Michael Foley
24 November 2020 10:58 AM
From: Michael Foley
24 November 2020 10:35 AM
From: Michael Foley
23 November 2020 13:52 PM
From: Michael Foley
21 November 2020 15:26 PM
From: Michael Foley
21 November 2020 08:29 AM
From: Michael Foley
20 November 2020 21:39 PM
From: Michael Foley
19 November 2020 18:31 PM
From: Michael Foley
19 November 2020 17:27 PM
From: Michael Foley
18 November 2020 09:36 AM
From: Michael Foley
17 November 2020 16:28 PM
From: Michael Foley
16 November 2020 22:30 PM
From: Michael Foley
16 November 2020 16:34 PM
From: Michael Foley
16 November 2020 15:06 PM
From: Michael Foley
12 November 2020 20:33 PM
From: Michael Foley
12 November 2020 12:58 PM
From: Michael Foley
12 November 2020 10:38 AM
From: Michael Foley
11 November 2020 21:17 PM
From: Michael Foley
11 November 2020 20:54 PM
From: Michael Foley
11 November 2020 11:33 AM
From: Michael Foley
10 November 2020 16:06 PM
From: Michael Foley
10 November 2020 12:32 PM
From: Michael Foley
10 November 2020 10:21 AM
From: Michael Foley
10 November 2020 09:29 AM
From: Michael Foley
10 November 2020 09:02 AM
From: Michael Foley
09 November 2020 13:19 PM
From: Michael Foley
09 November 2020 09:29 AM
From: Michael Foley
07 November 2020 21:18 PM
From: Michael Foley
07 November 2020 20:18 PM
From: Michael Foley
07 November 2020 16:07 PM
From: Michael Foley
06 November 2020 21:44 PM
From: Michael Foley
06 November 2020 21:28 PM
From: Michael Foley
05 November 2020 10:17 AM
From: Michael Foley
05 November 2020 10:01 AM
From: Michael Foley
04 November 2020 14:12 PM
From: Michael Foley
04 November 2020 12:16 PM
From: Michael Foley
02 November 2020 16:02 PM
From: Michael Foley
02 November 2020 10:51 AM
From: Michael Foley
01 November 2020 20:25 PM
From: Michael Foley
30 October 2020 19:49 PM
From: Michael Foley
30 October 2020 17:00 PM
From: Michael Foley
30 October 2020 08:48 AM
From: Michael Foley
29 October 2020 12:06 PM
From: Michael Foley
29 October 2020 11:36 AM
From: Michael Foley
29 October 2020 11:20 AM
From: Michael Foley
29 October 2020 08:02 AM
From: Michael Foley
29 October 2020 07:56 AM
From: Michael Foley
28 October 2020 21:26 PM
From: Michael Foley
28 October 2020 12:57 PM
From: Michael Foley
28 October 2020 09:51 AM
From: Michael Foley
27 October 2020 19:48 PM
From: Michael Foley
26 October 2020 18:02 PM
From: Michael Foley
26 October 2020 16:12 PM
From: Michael Foley
26 October 2020 16:00 PM
From: Michael Foley
24 October 2020 20:18 PM
From: Michael Foley
23 October 2020 12:03 PM
From: Michael Foley
23 October 2020 10:01 AM
From: Michael Foley
23 October 2020 08:21 AM
From: Michael Foley
22 October 2020 17:48 PM
From: Michael Foley
22 October 2020 14:49 PM
From: Michael Foley
20 October 2020 22:24 PM
From: Michael Foley
20 October 2020 18:25 PM
From: Michael Foley
20 October 2020 17:35 PM
From: Michael Foley
20 October 2020 10:08 AM
From: Michael Foley
19 October 2020 15:22 PM
From: Michael Foley
16 October 2020 20:59 PM
From: Michael Foley
16 October 2020 17:20 PM
From: Michael Foley
16 October 2020 11:22 AM
From: Michael Foley
16 October 2020 05:21 AM
From: Michael Foley
14 October 2020 20:55 PM
From: Michael Foley
13 October 2020 21:22 PM
From: Michael Foley
12 October 2020 21:25 PM
From: Michael Foley
12 October 2020 14:53 PM
From: Michael Foley
12 October 2020 14:07 PM
From: Michael Foley
12 October 2020 10:08 AM
From: Michael Foley
09 October 2020 16:57 PM
From: Michael Foley
06 October 2020 20:15 PM
From: Michael Foley
06 October 2020 18:54 PM
From: Michael Foley
06 October 2020 13:34 PM
From: Michael Foley
06 October 2020 08:44 AM
From: Michael Foley
05 October 2020 10:24 AM
From: Michael Foley
04 October 2020 20:51 PM
From: Michael Foley
03 October 2020 17:51 PM
From: Michael Foley
03 October 2020 10:06 AM
From: Michael Foley
30 September 2020 17:54 PM
From: Michael Foley
30 September 2020 07:59 AM
From: Michael Foley
29 September 2020 15:44 PM
From: Michael Foley
29 September 2020 08:01 AM
From: Michael Foley
27 September 2020 12:34 PM
From: Michael Foley
26 September 2020 15:31 PM
From: Michael Foley
26 September 2020 13:55 PM
From: Michael Foley
26 September 2020 08:57 AM
From: Michael Foley
24 September 2020 20:31 PM
From: Michael Foley
24 September 2020 14:27 PM
From: Michael Foley
23 September 2020 18:11 PM
From: Michael Foley
23 September 2020 16:30 PM
From: Michael Foley
23 September 2020 15:35 PM
From: Michael Foley
22 September 2020 22:35 PM
From: Michael Foley
22 September 2020 21:59 PM
From: Michael Foley
22 September 2020 19:04 PM
From: Michael Foley
22 September 2020 10:57 AM
From: Michael Foley
21 September 2020 21:46 PM
From: Michael Foley
21 September 2020 20:51 PM
From: Michael Foley
21 September 2020 19:02 PM
From: Michael Foley
21 September 2020 10:36 AM
From: Michael Foley
20 September 2020 22:01 PM
From: Michael Foley
19 September 2020 11:37 AM
From: Michael Foley
18 September 2020 18:53 PM
From: Michael Foley
17 September 2020 17:56 PM
From: Michael Foley
17 September 2020 09:48 AM
From: Michael Foley
16 September 2020 22:13 PM
From: Michael Foley
16 September 2020 20:30 PM
From: Michael Foley
16 September 2020 13:02 PM
From: Michael Foley
16 September 2020 11:17 AM
From: Michael Foley
11 September 2020 15:14 PM
From: Michael Foley
09 September 2020 21:23 PM
From: Michael Foley
07 September 2020 10:12 AM
From: Michael Foley
06 September 2020 08:15 AM
From: Michael Foley
05 September 2020 10:40 AM
From: Michael Foley
03 September 2020 17:30 PM
From: Michael Foley
03 September 2020 12:44 PM
From: Michael Foley
02 September 2020 20:00 PM
From: Michael Foley
01 September 2020 20:56 PM
From: Michael Foley
30 August 2020 20:02 PM
From: Michael Foley
30 August 2020 17:05 PM
From: Michael Foley
30 August 2020 09:52 AM
From: Michael Foley
28 August 2020 16:50 PM
From: Michael Foley
27 August 2020 11:16 AM
From: Michael Foley
27 August 2020 10:34 AM
From: Michael Foley
27 August 2020 09:46 AM
From: Michael Foley
26 August 2020 20:49 PM
From: Michael Foley
26 August 2020 20:28 PM
From: Michael Foley
26 August 2020 15:09 PM
From: Michael Foley
25 August 2020 20:29 PM
From: Michael Foley
24 August 2020 17:09 PM
From: Michael Foley
18 August 2020 21:43 PM
From: Michael Foley
16 August 2020 20:32 PM
From: Michael Foley
14 August 2020 20:25 PM
From: Michael Foley
06 August 2020 20:11 PM
From: Michael Foley
06 August 2020 18:57 PM
From: Michael Foley
30 July 2020 21:49 PM
From: Michael Foley
27 July 2020 20:27 PM
From: Michael Foley
25 July 2020 22:03 PM
From: Michael Foley
21 July 2020 21:48 PM
From: Michael Foley
19 July 2020 21:54 PM
From: Michael Foley
16 July 2020 20:17 PM
From: Michael Foley
13 July 2020 21:30 PM
From: Michael Foley
10 July 2020 18:59 PM
From: Michael Foley
03 July 2020 18:22 PM
From: Michael Foley
30 June 2020 21:22 PM
From: Michael Foley
28 June 2020 09:37 AM
From: Michael Foley
26 June 2020 21:14 PM
From: Michael Foley
25 June 2020 19:34 PM
From: Michael Foley
25 June 2020 04:23 AM
From: Michael Foley
22 June 2020 19:48 PM
From: Michael Foley
22 June 2020 16:48 PM
From: Michael Foley
20 June 2020 15:11 PM
From: Michael Foley
14 June 2020 19:10 PM
From: Michael Foley
12 June 2020 13:59 PM
From: Michael Foley
11 June 2020 12:25 PM
From: Michael Foley
10 June 2020 16:53 PM
From: Michael Foley
09 June 2020 21:14 PM
From: Michael Foley
07 June 2020 21:50 PM
From: Michael Foley
03 June 2020 19:57 PM
From: Michael Foley
02 June 2020 17:59 PM
From: Michael Foley
31 May 2020 18:50 PM
From: Michael Foley
29 May 2020 19:54 PM
From: Michael Foley
27 May 2020 18:31 PM
From: Michael Foley
25 May 2020 12:19 PM
From: Michael Foley
24 May 2020 12:09 PM
From: Michael Foley
22 May 2020 08:33 AM
From: Michael Foley
21 May 2020 09:30 AM
From: Michael Foley
20 May 2020 18:37 PM
From: Michael Foley
19 May 2020 22:26 PM
From: Michael Foley
19 May 2020 13:57 PM
From: Michael Foley
19 May 2020 12:54 PM
From: Michael Foley
19 May 2020 11:53 AM
From: Michael Foley
19 May 2020 00:02 AM
From: Michael Foley
18 May 2020 22:30 PM
From: Michael Foley
17 May 2020 20:27 PM
From: Michael Foley
13 May 2020 19:24 PM
From: Michael Foley
13 May 2020 18:19 PM
From: Michael Foley
13 May 2020 17:41 PM
From: Michael Foley
12 May 2020 19:02 PM
From: Michael Foley
12 May 2020 17:30 PM
From: Michael Foley
04 May 2020 14:57 PM
From: Michael Foley
03 May 2020 22:36 PM
From: Michael Foley
03 May 2020 18:45 PM
From: Michael Foley
03 May 2020 18:22 PM
From: Michael Foley
03 May 2020 14:19 PM
From: Michael Foley
03 May 2020 13:25 PM
From: Michael Foley
02 May 2020 21:35 PM
From: Michael Foley
02 May 2020 19:06 PM
From: Michael Foley
02 May 2020 13:50 PM
From: Michael Foley
22 April 2020 11:38 AM
From: Michael Foley
21 April 2020 19:49 PM
From: Michael Foley
21 April 2020 14:39 PM
From: Michael Foley
15 April 2020 22:00 PM
From: Michael Foley
13 April 2020 19:00 PM
From: Michael Foley
13 April 2020 17:49 PM
From: Michael Foley
07 April 2020 21:39 PM
From: Michael Foley
07 April 2020 09:49 AM
From: Michael Foley
06 April 2020 19:21 PM
From: Michael Foley
06 April 2020 14:05 PM
From: Michael Foley
06 April 2020 11:22 AM
From: Michael Foley
04 April 2020 21:07 PM
From: Michael Foley
03 April 2020 17:36 PM
From: Michael Foley
02 April 2020 20:30 PM
From: Michael Foley
01 April 2020 18:57 PM
From: Michael Foley
01 April 2020 16:00 PM
From: Michael Foley
31 March 2020 09:50 AM
From: Michael Foley
30 March 2020 19:27 PM
From: Michael Foley
30 March 2020 10:35 AM
From: Michael Foley
29 March 2020 17:38 PM
From: Michael Foley
27 March 2020 10:10 AM
From: Michael Foley
26 March 2020 09:07 AM
From: Michael Foley
25 March 2020 13:18 PM
From: Michael Foley
25 March 2020 09:55 AM
From: Michael Foley
24 March 2020 13:20 PM
From: Michael Foley
24 March 2020 11:48 AM
From: Michael Foley
24 March 2020 10:35 AM
From: Michael Foley
23 March 2020 21:12 PM
From: Michael Foley
20 March 2020 09:54 AM
From: Michael Foley
19 March 2020 20:23 PM
From: Michael Foley
19 March 2020 18:59 PM
From: Michael Foley
19 March 2020 17:11 PM
From: Michael Foley
19 March 2020 13:16 PM
From: Michael Foley
19 March 2020 09:15 AM
From: Michael Foley
19 March 2020 09:06 AM
From: Michael Foley
18 March 2020 20:06 PM
From: Michael Foley
18 March 2020 14:13 PM
From: Michael Foley
17 March 2020 20:20 PM
From: Michael Foley
17 March 2020 10:22 AM
From: Michael Foley
17 March 2020 09:57 AM
From: Michael Foley
14 March 2020 11:14 AM
From: Michael Foley
13 March 2020 08:15 AM
From: Michael Foley
12 March 2020 21:24 PM
From: Michael Foley
12 March 2020 14:48 PM
From: Michael Foley
10 March 2020 17:27 PM
From: Michael Foley
06 March 2020 15:53 PM
From: Michael Foley
03 March 2020 19:45 PM
From: Michael Foley
29 February 2020 08:12 AM
From: Michael Foley
28 February 2020 15:37 PM
From: Michael Foley
25 February 2020 20:43 PM
From: Michael Foley
25 February 2020 17:06 PM
From: Michael Foley
23 February 2020 09:23 AM
From: Michael Foley
21 February 2020 21:45 PM
From: Michael Foley
21 February 2020 18:45 PM
From: Michael Foley
21 February 2020 15:53 PM
From: Michael Foley
20 February 2020 18:33 PM
From: Michael Foley
18 February 2020 18:31 PM
From: Michael Foley
18 February 2020 16:24 PM
From: Michael Foley
18 February 2020 10:03 AM
From: Michael Foley
12 February 2020 15:59 PM
From: Michael Foley
10 February 2020 09:32 AM
From: Michael Foley
07 February 2020 14:27 PM
From: Michael Foley
02 February 2020 09:13 AM
From: Michael Foley
31 January 2020 15:45 PM
From: Michael Foley
31 January 2020 12:36 PM
From: Michael Foley
29 January 2020 15:32 PM
From: Michael Foley
29 January 2020 10:41 AM
From: Michael Foley
29 January 2020 09:46 AM
From: Michael Foley
28 January 2020 10:52 AM
From: Michael Foley
27 January 2020 19:03 PM
From: Michael Foley
24 January 2020 19:28 PM
From: Michael Foley
24 January 2020 10:17 AM
From: Michael Foley
22 January 2020 18:41 PM
From: Michael Foley
22 January 2020 15:35 PM
From: Michael Foley
21 January 2020 16:03 PM
From: Michael Foley
18 January 2020 12:21 PM
From: Michael Foley
17 January 2020 22:41 PM
From: Michael Foley
17 January 2020 21:47 PM
From: Michael Foley
17 January 2020 11:20 AM
From: Michael Foley
17 January 2020 09:08 AM
From: Michael Foley
16 January 2020 21:15 PM
From: Michael Foley
14 January 2020 14:52 PM
From: Michael Foley
13 January 2020 11:10 AM
From: Michael Foley
13 January 2020 10:29 AM
From: Michael Foley
10 January 2020 11:05 AM
From: Michael Foley
08 January 2020 13:38 PM
From: Michael Foley
08 January 2020 13:24 PM
From: Michael Foley
07 January 2020 10:46 AM
From: Michael Foley
07 January 2020 09:49 AM
From: Michael Foley
02 January 2020 18:05 PM
From: Michael Foley
02 January 2020 17:17 PM
From: Michael Foley
31 December 2019 18:48 PM
From: Michael Foley
30 December 2019 21:05 PM
From: Michael Foley
30 December 2019 20:59 PM
From: Michael Foley
28 December 2019 21:19 PM
From: Michael Foley
28 December 2019 11:28 AM
From: Michael Foley
27 December 2019 09:02 AM
From: Michael Foley
23 December 2019 18:43 PM
From: Michael Foley
20 December 2019 22:41 PM
From: Michael Foley
19 December 2019 22:29 PM
From: Michael Foley
19 December 2019 21:02 PM
From: Michael Foley
19 December 2019 20:35 PM
From: Michael Foley
17 December 2019 20:36 PM
From: Michael Foley
17 December 2019 13:35 PM
From: Michael Foley
16 December 2019 21:51 PM
From: Michael Foley
16 December 2019 21:31 PM
From: Michael Foley
30 November 2019 21:02 PM
From: Michael Foley
28 November 2019 17:49 PM
From: Michael Foley
27 November 2019 21:56 PM
From: Michael Foley
27 November 2019 17:56 PM
From: Michael Foley
26 November 2019 11:12 AM
From: Michael Foley
26 November 2019 11:00 AM
From: Michael Foley
25 November 2019 22:05 PM
From: Michael Foley
23 November 2019 10:02 AM
From: Michael Foley
22 November 2019 14:19 PM
From: Michael Foley
16 November 2019 13:29 PM
From: Michael Foley
11 November 2019 08:23 AM
From: Michael Foley
09 November 2019 14:22 PM
From: Michael Foley
08 November 2019 15:42 PM
From: Michael Foley
08 November 2019 15:13 PM
From: Michael Foley
07 November 2019 09:12 AM
From: Michael Foley
06 November 2019 12:11 PM
From: Michael Foley
06 November 2019 09:59 AM
From: Michael Foley
29 October 2019 19:55 PM
From: Michael Foley
29 October 2019 09:34 AM
From: Michael Foley
25 October 2019 23:10 PM
From: Michael Foley
25 October 2019 22:43 PM
From: Michael Foley
25 October 2019 11:00 AM
From: Michael Foley
24 October 2019 09:58 AM
From: Michael Foley
24 October 2019 08:59 AM
From: Michael Foley
22 October 2019 21:19 PM
From: Michael Foley
22 October 2019 20:49 PM
From: Michael Foley
22 October 2019 11:06 AM
From: Michael Foley
18 October 2019 20:43 PM
From: Michael Foley
15 October 2019 22:50 PM
From: Michael Foley
15 October 2019 22:38 PM
From: Michael Foley
14 October 2019 22:37 PM
From: Michael Foley
14 October 2019 11:47 AM
From: Michael Foley
14 October 2019 10:16 AM
From: Michael Foley
11 October 2019 12:33 PM
From: Michael Foley
11 October 2019 09:05 AM
From: Michael Foley
09 October 2019 15:51 PM
From: Michael Foley
09 October 2019 12:09 PM
From: Michael Foley
07 October 2019 16:00 PM
From: Michael Foley
07 October 2019 15:55 PM
From: Michael Foley
03 October 2019 10:28 AM
From: Michael Foley
02 October 2019 19:25 PM
From: Michael Foley
01 October 2019 10:20 AM
From: Michael Foley
30 September 2019 12:01 PM
From: Michael Foley
29 September 2019 13:20 PM
From: Michael Foley
27 September 2019 23:20 PM
From: Michael Foley
27 September 2019 13:54 PM
From: Michael Foley
26 September 2019 22:55 PM
From: Michael Foley
26 September 2019 18:09 PM
From: Michael Foley
24 September 2019 14:38 PM
From: Michael Foley
20 September 2019 15:53 PM
From: Michael Foley
20 September 2019 10:06 AM
From: Michael Foley
19 September 2019 09:21 AM
From: Michael Foley
18 September 2019 22:33 PM
From: Michael Foley
18 September 2019 13:15 PM
From: Michael Foley
18 September 2019 12:08 PM
From: Michael Foley
18 September 2019 09:49 AM
From: Michael Foley
17 September 2019 10:06 AM
From: Michael Foley
17 September 2019 08:49 AM
From: Michael Foley
16 September 2019 16:50 PM
From: Michael Foley
16 September 2019 14:12 PM
From: Michael Foley
16 September 2019 09:55 AM
From: Michael Foley
16 September 2019 08:55 AM
From: Michael Foley
15 September 2019 19:06 PM
From: Michael Foley
14 September 2019 10:15 AM
From: Michael Foley
13 September 2019 15:13 PM
From: Michael Foley
13 September 2019 09:14 AM
From: Michael Foley
12 September 2019 18:16 PM
From: Michael Foley
12 September 2019 17:46 PM
From: Michael Foley
12 September 2019 13:22 PM
From: Michael Foley
12 September 2019 09:36 AM
From: Michael Foley
10 September 2019 15:55 PM
From: Michael Foley
10 September 2019 09:02 AM
From: Michael Foley
09 September 2019 21:26 PM
From: Michael Foley
09 September 2019 10:27 AM
From: Michael Foley
05 September 2019 18:34 PM
From: Michael Foley
04 September 2019 10:19 AM
From: Michael Foley
04 September 2019 09:25 AM
From: Michael Foley
03 September 2019 11:00 AM
From: Michael Foley
27 August 2019 09:16 AM
From: Michael Foley
23 August 2019 13:41 PM
From: Michael Foley
22 August 2019 15:53 PM
From: Michael Foley
22 August 2019 14:42 PM
From: Michael Foley
22 August 2019 14:32 PM
From: Michael Foley
20 August 2019 13:36 PM
From: Michael Foley
20 August 2019 10:14 AM
From: Michael Foley
19 August 2019 22:51 PM
From: Michael Foley
16 August 2019 22:03 PM
From: Michael Foley
15 August 2019 20:11 PM
From: Michael Foley
15 August 2019 09:09 AM
From: Michael Foley
14 August 2019 18:29 PM
From: Michael Foley
14 August 2019 09:39 AM
From: Michael Foley
12 August 2019 21:07 PM
From: Michael Foley
12 August 2019 17:55 PM
From: Michael Foley
08 August 2019 21:18 PM
From: Michael Foley
08 August 2019 19:13 PM
From: Michael Foley
08 August 2019 18:23 PM
From: Michael Foley
08 August 2019 09:33 AM
From: Michael Foley
05 August 2019 20:25 PM
From: Michael Foley
05 August 2019 10:28 AM
From: Michael Foley
05 August 2019 09:53 AM
From: Michael Foley
05 August 2019 08:21 AM
From: Michael Foley
03 August 2019 08:43 AM
From: Michael Foley
02 August 2019 20:43 PM
From: Michael Foley
01 August 2019 17:17 PM
From: Michael Foley
01 August 2019 15:18 PM
From: Michael Foley
01 August 2019 09:41 AM
From: Michael Foley
31 July 2019 14:49 PM
From: Michael Foley
31 July 2019 11:03 AM
From: Michael Foley
31 July 2019 10:49 AM
From: Michael Foley
30 July 2019 10:32 AM
From: Michael Foley
29 July 2019 14:02 PM
From: Michael Foley
29 July 2019 11:24 AM
From: Michael Foley
29 July 2019 09:51 AM
From: Michael Foley
27 July 2019 09:19 AM
From: Michael Foley
26 July 2019 09:46 AM
From: Michael Foley
25 July 2019 10:31 AM
From: Michael Foley
25 July 2019 09:58 AM
From: Michael Foley
24 July 2019 14:56 PM
From: Michael Foley
23 July 2019 16:58 PM
From: Michael Foley
23 July 2019 14:17 PM
From: Michael Foley
23 July 2019 12:31 PM
From: Michael Foley
22 July 2019 10:47 AM
From: Michael Foley
21 July 2019 18:30 PM
From: Michael Foley
20 July 2019 17:26 PM
From: Michael Foley
20 July 2019 16:32 PM
From: Michael Foley
20 July 2019 13:57 PM
From: Michael Foley
20 July 2019 11:25 AM
From: Michael Foley
20 July 2019 10:29 AM
From: Michael Foley
19 July 2019 15:09 PM
From: Michael Foley
19 July 2019 10:27 AM
From: Michael Foley
18 July 2019 21:53 PM
From: Michael Foley
18 July 2019 08:55 AM
From: Michael Foley
17 July 2019 21:35 PM
From: Michael Foley
17 July 2019 20:31 PM
From: Michael Foley
17 July 2019 19:39 PM
From: Michael Foley
17 July 2019 19:27 PM
From: Michael Foley
17 July 2019 16:41 PM
From: Michael Foley
17 July 2019 12:18 PM
From: Michael Foley
17 July 2019 10:12 AM
From: Michael Foley
17 July 2019 09:25 AM
From: Michael Foley
16 July 2019 19:53 PM
From: Michael Foley
16 July 2019 14:51 PM
From: Michael Foley
16 July 2019 10:24 AM
From: Michael Foley
15 July 2019 20:03 PM
From: Michael Foley
14 July 2019 13:08 PM
From: Michael Foley
14 July 2019 10:33 AM
From: Michael Foley
14 July 2019 07:56 AM
From: Michael Foley
12 July 2019 21:03 PM
From: Michael Foley
11 July 2019 10:10 AM
From: Michael Foley
10 July 2019 12:14 PM
From: Michael Foley
10 July 2019 03:19 AM
From: Michael Foley
09 July 2019 20:47 PM
From: Michael Foley
08 July 2019 19:49 PM
From: Michael Foley
08 July 2019 18:57 PM
From: Michael Foley
08 July 2019 17:30 PM
From: Michael Foley
08 July 2019 17:01 PM
From: Michael Foley
06 July 2019 18:48 PM
From: Michael Foley
06 July 2019 17:41 PM
From: Michael Foley
06 July 2019 10:44 AM
From: Michael Foley
04 July 2019 14:43 PM
From: Michael Foley
04 July 2019 14:16 PM
From: Michael Foley
29 June 2019 14:39 PM
From: Michael Foley
27 June 2019 10:19 AM
From: Michael Foley
27 June 2019 05:51 AM
From: Michael Foley
26 June 2019 09:39 AM
From: Michael Foley
25 June 2019 21:50 PM
From: Michael Foley
25 June 2019 21:31 PM
From: Michael Foley
24 June 2019 17:07 PM
From: Michael Foley
24 June 2019 10:21 AM
From: Michael Foley
24 June 2019 09:47 AM
From: Michael Foley
22 June 2019 13:36 PM
From: Michael Foley
21 June 2019 20:29 PM
From: Michael Foley
21 June 2019 18:23 PM
From: Michael Foley
21 June 2019 17:47 PM
From: Michael Foley
21 June 2019 15:50 PM
From: Michael Foley
21 June 2019 14:44 PM
From: Michael Foley
21 June 2019 09:55 AM
From: Michael Foley
21 June 2019 09:26 AM
From: Michael Foley
19 June 2019 12:14 PM
From: Michael Foley
19 June 2019 11:37 AM
From: Michael Foley
19 June 2019 10:01 AM
From: Michael Foley
17 June 2019 19:33 PM
From: Michael Foley
13 June 2019 19:16 PM
From: Michael Foley
13 June 2019 12:48 PM
From: Michael Foley
13 June 2019 09:29 AM
From: Michael Foley
12 June 2019 21:29 PM
From: Michael Foley
12 June 2019 16:20 PM
From: Michael Foley
12 June 2019 15:40 PM
From: Michael Foley
12 June 2019 10:39 AM
From: Michael Foley
12 June 2019 10:17 AM
From: Michael Foley
12 June 2019 06:40 AM
From: Michael Foley
08 June 2019 08:09 AM
From: Michael Foley
07 June 2019 20:31 PM
From: Michael Foley
06 June 2019 17:04 PM
From: Michael Foley
06 June 2019 15:33 PM
From: Michael Foley
04 June 2019 09:51 AM
From: Michael Foley
03 June 2019 18:22 PM
From: Michael Foley
03 June 2019 10:34 AM
From: Michael Foley
03 June 2019 10:25 AM
From: Michael Foley
02 June 2019 13:09 PM
From: Michael Foley
02 June 2019 12:37 PM
From: Michael Foley
02 June 2019 08:48 AM
From: Michael Foley
02 June 2019 07:23 AM
From: Michael Foley
01 June 2019 12:36 PM
From: Michael Foley
01 June 2019 11:11 AM
From: Michael Foley
30 May 2019 22:43 PM
From: Michael Foley
30 May 2019 21:57 PM
From: Michael Foley
30 May 2019 21:05 PM
From: Michael Foley
29 May 2019 03:10 AM
From: Michael Foley
28 May 2019 12:41 PM
From: Michael Foley
27 May 2019 09:14 AM
From: Michael Foley
27 May 2019 08:48 AM
From: Michael Foley
24 May 2019 20:59 PM
From: Michael Foley
23 May 2019 23:43 PM
From: Michael Foley
23 May 2019 23:13 PM
From: Michael Foley
23 May 2019 17:50 PM
From: Michael Foley
23 May 2019 09:11 AM
From: Michael Foley
20 May 2019 09:25 AM
From: Michael Foley
16 May 2019 09:04 AM
From: Michael Foley
15 May 2019 18:33 PM
From: Michael Foley
13 May 2019 10:32 AM
From: Michael Foley
10 May 2019 12:16 PM
From: Michael Foley
09 May 2019 15:30 PM
From: Michael Foley
08 May 2019 15:12 PM
From: Michael Foley
04 May 2019 20:44 PM
From: Michael Foley
02 May 2019 19:16 PM
From: Michael Foley
30 April 2019 12:27 PM
From: Michael Foley
29 April 2019 21:27 PM
From: Michael Foley
29 April 2019 21:08 PM
From: Michael Foley
29 April 2019 19:13 PM
From: Michael Foley
26 April 2019 17:03 PM
From: Michael Foley
23 April 2019 15:29 PM
From: Michael Foley
16 April 2019 21:43 PM
From: Michael Foley
16 April 2019 03:23 AM
From: Michael Foley
15 April 2019 17:49 PM
From: Michael Foley
15 April 2019 10:06 AM
From: Michael Foley
05 April 2019 07:23 AM
From: Michael Foley
03 April 2019 09:54 AM
From: Michael Foley
01 April 2019 19:44 PM
From: Michael Foley
01 April 2019 18:51 PM
From: Michael Foley
01 April 2019 15:26 PM
From: Michael Foley
30 March 2019 15:58 PM
From: Michael Foley
30 March 2019 13:25 PM
From: Michael Foley
27 March 2019 09:00 AM
From: Michael Foley
27 March 2019 08:56 AM
From: Michael Foley
26 March 2019 11:22 AM
From: Michael Foley
19 March 2019 04:02 AM
From: Michael Foley
08 March 2019 09:40 AM
From: Michael Foley
06 March 2019 16:37 PM
From: Michael Foley
11 February 2019 21:32 PM
From: Michael Foley
03 September 2018 09:52 AM
From: Michael Foley
24 August 2018 12:27 PM
From: Michael Foley
08 June 2018 14:10 PM
From: Michael Foley
04 December 2017 16:07 PM