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Michael Foley
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Ok Matthew I’ll take it on the chin but I wasn’t judging and did say I didn’t know the case. It does seem unusual to me about cases many years ago when he is only 29 years old, well possibly I suppose.
From:
Michael Foley
30 July 2021 13:00 PM
At face value it looks like guilty as charged but don’t know the case, why didn’t he turn up in Court. Camden Council and others have a long way to go if as they say they want us to believe they want us to run a successful business flying in the face of facts. Rogue LL task force do they have Rogue Tenant task force?. Many L’don Boroughs are in the process of bringing in Borough wide licensing Schemes, current Virtual (pretend) Consultations about to end in 2 weeks going on since May but LL’s won’t know this it’s virtual but the consequences are real as is the increased licensing fee to £1410.00 in Harrow, immune to Corona.
From:
Michael Foley
30 July 2021 08:16 AM
Daniel, hardly privileged but the most bullied, abused, unfairly treated, criminalised, over regulated and over taxed section of Society. A pity you didn’t tell me before I bought & built it would have saved me a life’s work putting a roof over people’s heads and paying taxes to keep many of them. It was ok to buy pay the stamp duty, gov registration, legal’s, the Banks huge repayment real interest rates not the rubbish financial system they have now. So now you would like us to sell and pay the huge taxes again on inflation mainly and end up with nothing that’s some gratitude. I’ll tell you who’s over privileged the ones milking the system & never contribute financially to anything or the £8.6 b False Benefit Claimants, that’s from DWP so if they know that why is it allowed to happen or how much higher is the real figure. I don’t see any pressure Groups clamming in protest against it, its perfectly acceptable is it.
From:
Michael Foley
29 July 2021 08:02 AM
What do you expect with several anti-landlord unnecessary Acts, Rules & Regulations in recent years it’s non-stop everything to destroy us and this is more. This wouldn’t have happen if the constant interference hadn’t caused it, so it’s your fault now you’ll want yet another Act because of all the damage your other Acts have caused. It would be great if you get a job, get a life and stop sponging off Private LL’s, or would that involve you with more than bureaucracy.
From:
Michael Foley
29 July 2021 05:02 AM
Honestly Jim,I wouldn’t buy a property with Tenants insitu not that I would buy a property ever again anyway with so many rogue regulators having a laugh, if not vacant don’t bother it might be the very reason its been sold, its bad enough to get stuck with a Tenant that you took on, at least you know the full story rather than buying with the trouble already installed.
From:
Michael Foley
28 July 2021 20:27 PM
I fail to see how loading LL’s with Statutory requirements and rules plus prevent him from passing on the costs makes renting more affordable, it has to have a knock affect on the rent or forced out of business, although the latter, if that is the intention its working very well, so they can go and view the high rise Flats from big Institutions that charge significantly higher rent than us.
From:
Michael Foley
28 July 2021 19:16 PM
Jim, how right you are we are Worlds apart. As I understand you over the years you are a HMO room letting LL, there lyes the difference. I don’t let rooms and never did so why is HMO’s license’s forced on LL that let whole property as one let so generally we are not HMO’s just a theology invented by Council to grab cash. One let one Contract joint & severally responsible each & everyone so how can they be all deemed to be separate when they are as one.
From:
Michael Foley
28 July 2021 18:41 PM
They have longer Tenancies already as so many on here have repeatedly told us and that includes me, we have had some Tenants for years. The problem is when forced to have bad Tenants as of right making it impossible to get rid of them, that’ll be right up their street, leave things alone and stop meddling in our business, we are not trying to get rid of Tenants just sorry the day they leave. They talk about stable foundation why then do Government have a Benefit System specially designed to break up families unit, Its obviously to favour one parent Families a contributory factor in a broken Society.
From:
Michael Foley
28 July 2021 08:16 AM
That’s a nice looking Terrier on the Coir Home Mat not a bit like the Pit-bull dog my Tenants had. When gas Engineer came to service the Boiler he was scared stiff, Tenant said he won’t touch you then dog snarled, Engineer promptly dropped his steel tool box on the floor and exited, its just hassle as well as safety, (Tenants doing drugs love those dogs).
From:
Michael Foley
28 July 2021 07:32 AM
So expensive to do anything with property now, the material costs have rocketed even if you do the work yourself it still costs thousands, no income in the mean time and pay C/tax, on the other hand no income tax on no income. Suppose you have a property suitable to create 2 Flats, forget it Council fees ?, Architect fees £5’000, building control fees ?, gas board alterations £800., additional Electric supply £3’600, Mayor of London CIL £4’000 for nothing . looks like over £120’000. for work, 9 months no income while you pay the loan, authorities keep loading on costs they think you’ll be making a fortune they are living in cloud cuckoo land, unless there’s a magic money tree that I know nothing about. Mr Khan & others time to wake up to reality stop your money grab nonsense before it goes belly up.
From:
Michael Foley
28 July 2021 03:26 AM
Corona fall out certainly made it worse for LL’s to. I lost quite a few stable Tenants when their work got restricted or Contracts cancelled, many moved back over Seas or back to other parts or UK. So I had 5 become available suddenly, there was refurbishment to be done between Contracts a big work load all at once, you can’t allow for that.
From:
Michael Foley
27 July 2021 19:28 PM
Better leave it vacant or raise it to the ground. What are they talking about if we let them keep pets. We have had the pets already in the past so we know from hard earned experience the damage and costs, so we my all about if. Please don’t mention Insurance Its costing me thousands already not to mention the huge tax premium penalty of 12% for taking out Insurance, instead of encouraging LL to Insure their Property.
From:
Michael Foley
27 July 2021 08:04 AM
Why all this technology using up all the energy destroying the World. I remember windmills, all the old woollen mills and the grain mills driven by water wheel from river or small stream eve, no harm to the Planet, is technology destroying us.
From:
Michael Foley
26 July 2021 09:55 AM
I have had several lots of Tenants over the years that have bought their own place & indeed this year a long term couple have bought their own Freehold house, its how life works I rented for 9 years in various Towns around the UK before I Built my first Home and without Scheme’s.
From:
Michael Foley
26 July 2021 09:05 AM
Ajay, what a load of nonsense you are peddling, we always fix things promptly, we are required to have Electric in good order checked every year and DICR every 5. Toilets only ever ever get blocked when they are misused which is very rare although I had a situation where they had a party & over crowded & blocked the 3 Toilets in the property with fast food packages, still I was within half an hour and cleared them as soon as I knew. Kitchen without a floor what on Earth are you talking about, send in the Clowns. The allegations you make is a needless scandal some unsubstantiated cheek and certainly a long way off the Noam.
From:
Michael Foley
26 July 2021 08:36 AM
There has been a number of Councillors in recent years who had to resign or be sacked, but LL’s must be Snow White and be the most appropriate person,
From:
Michael Foley
25 July 2021 21:11 PM
Another Council another extortion racket imposing huge costs on private rented sector. I don’t understand how they can get away with it, no input themselves just collect hundreds of thousands of pounds, putting costs on Tenants & LL’s alike, the consultations are always a farce going through motions, a bit like Cabinet Committees that approve those things for their own benefit. We now live in a rip off age whether it’s licensing, fining LL’s tens of thousands, unfair c/tax, parking tickets, timber boxes/ money collecting boxes in middle of road or one Camera alone on North Circular Rd, fining 15’000 motorists £100. each, (£1.5m) we must know it’s all entrapment.
From:
Michael Foley
25 July 2021 04:18 AM
How many do any of those anti-private LL groups house ?. How many does Baroness house ?. Put your money where your mouth is and actually house some people or else don’t complain about us who provides accommodation for millions without any help from Government but they put every obstacle in our way. The Government wants to house millions that don’t contribute or false Claimants and place them in our property, then its not our fault is it, so why are we being continuously targeted.
From:
Michael Foley
23 July 2021 19:51 PM
Is there any such thing as a Data Protection Act, when ever I ring up Organisations, Institutions or Insurance Companies, the story is the same my call is being recorded for training & quality purposes so I have to listen to this prerecording message giving themselves rights over me & not only that they are giving themselves the right to pass it around to who ever they want so where is the protection. I have asked them why are you recording can you not hear me the first time & and they say for training surely they must be trained by now. They hang up if you don’t agree to recording like Virgin Media, its the quickest way ever to get rid of them, not that it matters a carrot what they know whether they ought to or not, just have to take over our lives not that I care I’m not hiding behind the bush.
From:
Michael Foley
23 July 2021 07:01 AM
I agree with Paul’s thinking of statistics a bit like less people dying from Corona because the most vulnerable died quickly in the beginning, so not as many dying now. I remember those other individual cases like Ken Dodd knotty ash, Lester Piggott Champion jockey or even Harry’s Dog Account but not commenting on those just reflecting and aware.
From:
Michael Foley
22 July 2021 17:00 PM
Yes I agree but not possible to avoid them even if we wanted to with so Schemes, HMO’s mandatory, Additional licensing Scheme, Selective licensing Scheme, one is bound to impinge on you and can’t be avoid all unless you select the type of person that it don’t apply to mostly false Claimant Benefit families.
From:
Michael Foley
22 July 2021 09:43 AM
Well I can see all sorts of different situations. However if you come to retirement and not be financially secure even though you had every chance been well educated, something wrong there, on the other hand if Council is paying for the rent and c/tax why would there be any reason for not paying I would be a model Tenant too.
From:
Michael Foley
22 July 2021 08:03 AM
Why did Tenants take it if it was unclean. Surely its the Tenants duty to keep the place clean if any duty required of them I assume they were reared. The LL can’t just go in cleaning or he’ll be accused of harassment.
From:
Michael Foley
22 July 2021 07:13 AM
Paul, don’t agree with you at all it means people can have no trust in the Council or legal System. Its a clear warning to LL’s not to Rent to Council or Housing Benefit Tenants. They were quite happy for him to take the Tenants of their hands use his Property and facilities then turn around and grab the money back plus loaded him with costs. I don’t know about the hansards were they as a result of something the Tenants had done. Overcrowding I’ll pass on that one who made it overcrowded & were the Council negligent in their duty placing Tenants in an overcrowded Property without checking. Why did Council not check that the Properties didn’t have a HMO license again before placing Tenants, the Council above all should know the rules they made them.
From:
Michael Foley
22 July 2021 03:10 AM
I am not interested in wasting fortunes on Space travel like someone paid $20m for an 18 year old to go up, super nonsense & millions of people starving, just stay on the ground there are plenty of rocks down here.
From:
Michael Foley
21 July 2021 18:54 PM
So they think private landlords EPC’s will save the World even though allegedly UK is only 1% of the problem. We won’t mention India or China probably the worst contributor opening Coal Power Stations every week. The best a LL can do Is leave empty the penalty is less than if you Rent it.
From:
Michael Foley
21 July 2021 11:08 AM
A I. you must be very wealthy or lost all sense of value if you think £10’000. is a piddling fine, at a time LL’s have their backs to the wall and struggling to make end meet while being mugged. I suspect we are not getting the full story anyway, it seems likely they weren’t renting at all but dossing down at a place of work if that’s not too presumptuous of me, otherwise tell us what the Agreement was and how much they were paying.
From:
Michael Foley
20 July 2021 19:39 PM
Those guys don’t earn very much and very varied at best of times, unlikely they could afford a proper place. There has been several cases where people in this sort of employment have packed-in with their friends overcrowding maybe 20 to a property. What is their alternative in this situation, fine the LL don’t solve the problem.
From:
Michael Foley
20 July 2021 06:53 AM
I had seen that to I suppose they don’t know the difference between Section 21 & Section 24, we do because they are manipulated to destroy us.
From:
Michael Foley
19 July 2021 22:58 PM
They are it appealing any LL witnesses.
From:
Michael Foley
19 July 2021 21:50 PM
Guess what all those high rise boxes in the Sky with dodgy construction methods, cladding or prefabricated modular Porto Cabins type stacked on top of each other, not suitable for family use will be fully compliant.
From:
Michael Foley
19 July 2021 08:30 AM
But they all have wonderful sign written slogans and a member of all those trade bodies, most are very well educated those days unlike their predecessors many proper trades people who only a had a birth Certificate, now days all have iPhones and all the theories about work but haven’t got it in the hand. The cost of get work done & material costs has gone through the roof plus extra law requirements, we can do without Councils loading on unfair unjustifiable, unnecessary costs to collect soft money with no input or responsibility on them.
From:
Michael Foley
19 July 2021 06:05 AM
Why not stop paying £8.6 billion to false Claimants that would house quiet a few homeless or are they your supporters and protesters that moan and complain about everything.
From:
Michael Foley
19 July 2021 05:38 AM
Yes they had 10 years extra education more than Primary to do what, make rules and laws to avoid working for rest of their lives, working from home is a good example they think it’s work but in reality they are dealing with some administration they invented with Computer. The internet is the worst thing to happen in my lifetime costing trillions of £’s, taking over everyone’s life, they are on it 24/7 taking away jobs, bankrupting businesses, destroying social life and marriages etc the list is endless.
From:
Michael Foley
18 July 2021 17:30 PM
Andrew I was not reporting a comment, don’t know what went on there I was giving you a clap.
From:
Michael Foley
18 July 2021 17:15 PM
But Peter, they didn’t introduce Licensing Schemes for all LL‘s, it doesn’t apply in the main for the bulk of LL’s supplying housing for HB / UC which is so unfair no license required I seen what they required one LL to do, one fire door in kitchen, one fire alarm and change lock on front door so that it can be opened from inside without a key that was it to house non contributing Tenants, part of the £8.6b false Claimants, that’s the figure by DWP so if they know about that much, what’s the real figure of the untouchables millions the hot bed of support for Mr Khan & Brent.
From:
Michael Foley
18 July 2021 16:16 PM
Only 79 LL’s signed up to Ombudsman Scheme about Tenants complaints out of 2.6m LL’s. (even the ridiculous low fee didn’t turn anyone on). Do they not get the message we are sick of their anti-landlords rules and don’t have us on board. So they have 65 employees to operate the Scheme for 79 LL’s, I wonder if they’ll manage ?.
From:
Michael Foley
18 July 2021 07:52 AM
I don’t see any point in another database they have several already. I don’t see any use in LL having a Registration No. on Tenancy his name is already on it, if you haven’t served latest HOW TO RENT your agreement is invalid & probably thrown out of Court but not possible to know which one that is I have discarded scores had to have them reprinted again & again you are not notified of Changes. The Councils definition of Private LL, is a Rogue Landlord. The worst thing to ever happen to this World in my life time is the Internet the root cause of all.
From:
Michael Foley
17 July 2021 07:12 AM
No mention of the extra tax take fo Section 24.
From:
Michael Foley
14 July 2021 17:26 PM
Council talks some nonsense how could house prices fall in Burnley they are already as cheap as chips.
From:
Michael Foley
14 July 2021 06:50 AM
Wise man no to attend Court or it would be £20k instead of £10k or if he pleaded not guilty £40k or confiscation order, this is extortion in the extreme why not go other way and fine him £10.
From:
Michael Foley
13 July 2021 17:59 PM
It says for Tenant to find out information about renting a property, one of the 4 uses given. Hello don’t we already have ‘How to Rent’ by Shelter (one of the 4) forced into our Tenancy Agreements, for about the last 6 years and changed at least 9 times in this short time, should be scrapped the incompetence is insulting.
From:
Michael Foley
13 July 2021 08:03 AM
Steve, you might as well do what they want they hold all the aces and nothing to lose. It doesn’t have to be a Flat in a Block but house next door I have had that several times since 2006. I had to license for 5 max, Housing Association rented next door & across the road had far more occupants (up to 10 their friends lived there as well) than me rules didn’t apply to them, all on the system. I have been banging on about this since introduced 15 years ago (other parts of uk had 15 years grace) only applies to one have of the Community, so much injustice.
From:
Michael Foley
13 July 2021 04:31 AM
Berlin seriously considering seizure of LL’s property to solve their housing shortage. They must have been watching what’s happening in the UK, we have had all our right removed and transferred to Tenant same difference, we only think we own them, run & maintain them 24/7 for Government while putting ourselves at risk and constantly under threat with legal action.
From:
Michael Foley
12 July 2021 21:52 PM
Don’t agree Mr Square Foot or not, no shortage of housing just shortage of people that wants (Social Tenants) hence £8.4b false Claimants, loads more trying to get in on the Act. Thousands of high rise not required but encourage, coax & financial Schemes support to rope them-in. Encouraging self Build I am all for that but at the same time individuals not allowed to do anything, certificate this that and the other not even allowed to put in a Payne of glass never mind built a house, too much cotton wool.
From:
Michael Foley
12 July 2021 19:42 PM
Speak easy A B, next they’ll want LL’s to be Licensed to have pets in his Property.
From:
Michael Foley
12 July 2021 17:10 PM
Stephanie good luck with your Charity, people get killed every other day crossing the road it better to ban people crossing the road now then they won’t get killed.
From:
Michael Foley
12 July 2021 13:37 PM
We are already required to be have carbon monoxide detectors. People in various trades & business creating income at LL’s expense, anymore more for band wagon its hardly relevant what they come up with anymore. We are continuously held to ransom no matter what we do and digital tax reporting coming that traditional LL’s cannot do. It will be a big collapse so all those regulators better find another job.
From:
Michael Foley
12 July 2021 11:47 AM
Kim, leader of Hastings Council is bitterly disappointed and rightly so, what’s she going to do now for money for nothing, now that her soft money extortion racket has hit the buffers.
From:
Michael Foley
12 July 2021 08:02 AM
Why jump on Rent controls with our putting your own house in order first. The DWP tells us about Benefit & State Pension over payments / Fraud amounting to £8.4 Billion in last financial year is anyone in charge of this Department. 2 of the biggest ones working / Claiming, other claiming to be living alone. Sadiq Khan & Generation Rent looking for rent controls can they not look a bit closer to home. Sadiq Khan takes a huge chunk of C/tax putting pressure on Rents the Mayor also have a levy on people doing work £60.00 per m2 for nothing it’s a penalty plain & simple, community infrastructure levy (CIL). Are those your supporters who have plenty of time to protest and go marching.
From:
Michael Foley
10 July 2021 22:00 PM
Careful Bill what you wish for mine are only 75% of the market or less and in L’don, there is the issue of what your Tenants can afford, its only Councils that think LL’s & Tenants are full of money, they don’t know the difference never have to earn any.
From:
Michael Foley
10 July 2021 12:33 PM
Grace, not like that it’s not a £1k every year as the DEICIR IS every 5years. What’s next this year is HMO Licenses renewals money for Authorities for old rope fee £1200 / £1310 app’ fee alone. My day job as you put it produces no financial reward as its all spent fixing things after Tenants. There has been no capital growth on my properties in recent years this is L’don. How about my 40/45% tax and taxed on my personal allowance and taxed at high rate on my miserable pension just to contribute £85’000 income tax pa to the Treasury for working 59 years, never drew a penny from the State to be abused by people not fit to be in control and treated as Criminals, dream on I live in the real World.
From:
Michael Foley
08 July 2021 12:59 PM
Wendy, I have same problem but not new. I am here like a lemon waiting for sparks for 10.00am appointment just hoping & praying he will turn up. I have 4 need re-doing that have all been done before several times which incl’ the 5 year DICIR one’s as well as the annual ones, smoke / heat system certs, emergency light Certs, Pat tests the lot so how much will it cost & how many pages to write, so I will be £1’000 poorer tonight and lost my days work & had plenty other things to deal with, I hope there isn’t any remedial work to do !,
From:
Michael Foley
08 July 2021 11:02 AM
I don’t Insure Tenants contents because of the fact all the Insurance Co’s that I have dealt with over the years wouldn’t Insure other people’s Contents it’s as simple as that, and if you had such Insurance the sky would be the limit as to how many claims there would be. I have had them try to Claim off LL’s Insurance away back. Alleged break-in it was laughable, it was double glazed but only outside glass broken.
From:
Michael Foley
07 July 2021 17:49 PM
I can give a pet reference and a very bad one at that. Last 2 months wasted fixing & replacing all my cost. Every Insurance Company is the best in the World until you have a claim to make. Don’t accept pets then you don’t need Insurance or put the damage right.
From:
Michael Foley
07 July 2021 12:26 PM
Rob, of North Lincolnshire Council should look closer to home, 1800 properties empty maybe Scunthorpe area a very high number. I don’t believe anyone wants a property empty but constant interference in Private Sector Housing is the main cause of this. People are at a loss what to do with so many new rules, other too scared to let any into their property. Rob needs to ask some in house questions why is it he didn’t have all those empty before the interference began.
From:
Michael Foley
07 July 2021 06:05 AM
I have been across the Irish, the Mediterranean and the Atlantic, I was up on the twin Towers but luckily not the day they came down, my Grand Mother was from Massachusetts.
From:
Michael Foley
06 July 2021 18:18 PM
Andrew even if you are Bank loan free your profit is getting quickly eroded with Regulations, Compliance, Licensing, DICR, Fire regs, Right to rent maybe to wrong person, property damage no redress, just wait until they slap £10k penalty here & there willy nilly, dare not appeal or it might be 100k
From:
Michael Foley
06 July 2021 08:37 AM
Correct all part of the plan drive rents sky high on Tenants while pretending to be their friend. Forced up by compliance on private LL’s to drive him out, now enter the big boys Lloyds, General Accident, Lloyds Bank etc with rents already high to give them a heathy return & the little guy has his back to the wall. So a LL’s in Dudley was landed with a huge fine of £32k how dare he appeal. The appeal outcome should be based on whether the Penalties were justifiable, reasonable or not and not to more than quadrupled the penalty to £151k, this woman Councillor says let it be a lesson to us what she’s capable of, and not finished yet going for full a Nation wide Ban for daring to Appeal, (if he had paid £32k it would have been hunky dori end off for now at least) this is not what an appeal is, is this British Justice or abuse of her position.
From:
Michael Foley
06 July 2021 08:06 AM
Council tax on empty property for nothing the reason don’t seem to count. It’s getting very popular to charge for nothing even British Gas will take £100pa off your gas top up card whether you use it or not, of course you pay for what you use as well.
From:
Michael Foley
05 July 2021 23:05 PM
Domestic hygiene issues did the Tenant not know how to clean .
From:
Michael Foley
05 July 2021 20:08 PM
What ever the rights & wrongs of the case is, it goes to show this Council Spokesperson knows very little about Private Sector Housing. She should know at the minimum all LL management rights have been removed to make him powerless. To this end the Council takes money off any LL they want, its an extortion racket. They take control from the LL then fine him for not being in Control square that circle. When they excluded LL from his property only with Tenants say so sub-letting and over crowding started and all the Associated Problems that goes we it. Many convictions are not safe if you have no Authority you can’t have Responsibility can they not take that onboard.
From:
Michael Foley
05 July 2021 19:35 PM
There is a big conflict of interest here, all those are in direct competition with their customers shouldn’t be allowed. They have all your personal information, know your income & outgoing, profit & loss giving them an unfair advantage over their customers. Shelter won’t be in opposition to them they’ll be entertaining each other. This is not competition more like a cartel.
From:
Michael Foley
05 July 2021 09:48 AM
C/tax is for Service, in the case of empty property its a penalty for nothing. I have one of those vacant because of new rules that weren’t there before. Such an unfair tax 2 people in the property like my wife & me full c/tax £2500 another local house 8 people same c/tax so 6 persons pay no c/tax, how many millions pay nothing & have their rubbish taken away. This is a kin to TV license which is very reasonable if granny lives there it exempts the rest, so they pay nothing and go marching to prevent being charged but no qualms about paying £60 / £80 for Sky.
From:
Michael Foley
05 July 2021 08:04 AM
Why not Ban John Lewis from the Private Rented Sector to run their own Department Stores. Likewise Lloyds Bank one of UK’s biggest Banks owing The Halifax, Scotish Bank etc. Likewise General Accident massive Insurance & pension Business. Keep to your own Industry, what ever happened to Monopoly and Mergers Commission.
From:
Michael Foley
05 July 2021 06:44 AM
Its a concerted effort to drive out small private LL’s. The Council is the tool used for this with Regulations, fines , penalties, claw back, Licensing Schemes, confiscation Orders etc, they know It not viable for small LL to survive with this weight to deliberately crush him, to make way for the big boys. So enter John Lewis, Lloyds Bank and General Accident build to Rent already operating with thousands of units let, thousands more coming in 11 Cities. Cripple us to subsidise and clear the way for them.
From:
Michael Foley
05 July 2021 06:18 AM
I’m at a loss to know what’s happened to property market I thought I used to know now it doesn’t add up. The main SD holiday finishes today whether it was ever a holiday or con-trick. It was already too high in any case, before if you bought a Flat or House for £500k you paid £15’000 SD a big whack, Then Mr G Osborne comes along & double it to £30’000 on same purchase, (madness). So Mr Rishi Sunak comes along and halved it to where it was and called it a big reduction/ holiday, really must know we are complete mugs. Suppose you buy a house to make 2 Flats if allowed, half £m gone add SD £30k, do the figures, Architect £5k, Council fees £1’600. Mayor of L’don CIL £60. m2 (usually £4’000. £2k per Flat) then add on 20% vat on everything. What pays the Bank where is the beef, how many years to get the fees back alone never mind the cost of doing the work & paying for the property, no nothing viable at all, now more expensive to achieve loaded with Building Regulations, Insulation, EPC’c , network cable’s etc. Want to hang on to them forget that a load of Licensing Schemes to drain the last drop.
From:
Michael Foley
04 July 2021 15:21 PM
Why is every LL repeatedly referred to by Council as a Rogue LL this is differentiation of character. Ok LL he has been fined the price of a house in a back water of Coventry, does that mean he is a Rogue, he had done some of the work required in a very short time frame, from Inspection to Inspection Feb’ to Apr’ only one month in between in an occupied property, they certainly came back quickly, they didn’t say he didn’t have fire doors but said they were inadequate so looks like some work was done. What’s all this about security of the Tenants, the intruders is probably in bigger danger from the occupants. All this happened on the back of a complaint by the Tenant, when a LL has a complaint about the Tenant Council not interested in taking action against them but maybe prosecute the LL for what the Tenant had done. It seems to me the LL could do with victim support. The Council should be very happy with this LL they have had half a million quid already also talking about Claw Back, they just need some LL’s they have a vendetta against and all their financial woe will be over.
From:
Michael Foley
03 July 2021 19:30 PM
Their intention is to destroy & Bankrupt us, don’t know why but it’s a collective effort.
From:
Michael Foley
03 July 2021 11:46 AM
Andrew, it takes a good buck shot to bring down one of them and 2 good men to carry, you know the drill cut & trim a pole from wood tie front legs together and back legs ditto pass the pole through and up on your shoulders, we’d survive in the wild, what would City folks do without the benefit system and their lap top.
From:
Michael Foley
02 July 2021 21:55 PM
Apart from pets there are so many reasons for refusing Tenants the let, mainly due to new Government rules preventing you from giving them the accommodation even when you want to. Plus further restrictions placed on LL & his Property preventing him from letting which is main reason so many properties are vacant, then they complain about what they themselves have caused.
From:
Michael Foley
02 July 2021 21:02 PM
13 people living in one House please tell us how many on the Contract.
From:
Michael Foley
02 July 2021 07:52 AM
The Council are raking it in big time for sure but then they waste it. They say whole Borough Licensing Scheme for Private LL’s but doesn’t say all Private LL’s, again seems half exempt housing Families. Broken families, Single Parent family most created by the System by huge numbers costing fortunes & destroying Society. Dagenham used to be a nice place when I worked there in the 1960’s I. can’t believe the dump it turned into, I’ll give the Council that, so many always hanging around doesn’t feel safe.
From:
Michael Foley
02 July 2021 07:39 AM
No freedom of choice everything forced upon us. I have had suffered the consequences and continuing.
From:
Michael Foley
02 July 2021 06:56 AM
Tenant all powerful free legal Service. Tenant complains about LL’s. Council and the might of the Establishment Jumps into action immediately. Who have LL free to help or defend him, sorry no defence allowed by Law pay straight away before it doubles or quadruples. What this lady in Dudley Council has done is tantamount to confiscation, this is abuse of her position and not impartial perhaps she should resign or be sacked as she intends to continue in this vain, if we are not equal before the Law where does that leave the justice system. A Property in Dudley could be bought for this huge fine. I seen a modern 4 bed Detached for £300k.
From:
Michael Foley
01 July 2021 17:46 PM
Well I seen 5 letting houses sold in one short road, your 1930’s terraced & semi- detached where it was difficult to get one there before. I don’t Know who’s buying them and can’t generalise, could be cousins brother kind of thing I see they are buying, one family member buys sometimes a brother, the rest of the family lives there Councils pay the rent to house the family, they get to live for free, brother get a house and they don’t buy rubbish either, no worries about HM0’s or anything like that.
From:
Michael Foley
01 July 2021 14:45 PM
Its easy to report the issues you say. We are the industry’s experts not the Council, not Shelter, not Citizens Advice or the Government non of them own the property or have any input except meddle & ruin. The Solution to the problems is very easy to solve since they are all made / invented by outsiders who’s property it is not, just sit on the side lines doing as much damage as possible to business not their business but so many haters living off our backs. Let’s talk about solutions by scrapping the rules make in recent years that are the problems, why work around new bad laws just change them back to where they were instead of making Criminals out of decent LL, or are we down to the glass in the window. I would be more concerned about the claw back of up to 12 months rent (quite happy to take the property then complain) after the had the use and benefit of the property for free is that justice, hello do you want to talk about that.
From:
Michael Foley
30 June 2021 22:52 PM
Andrew I hate to disagree in London I am getting less Rent than 10 years ago generally while costs have been loaded on to us, so it can’t be added on plus Tenants have acquired many new rights at the say time LL rights removed putting us at a total disadvantage.
From:
Michael Foley
30 June 2021 17:41 PM
Sorry Ed, we don’t need any new topics while we are burdened with current issues that are not being addressed. My goodness you want more is not removal of Section 21, our Deposits taken away by Shelter in 2007, Wear & rear removed, How 2 Rent, Right to2 Rent, ICO, Section 24, EICR, EPC’s, HMO’s, Additional Licensing, Selective Licensing, Tenant Settlement status, 2015 DeRegulation Act, Fines, Penalties, Changed LL’s business from civil law to Criminal Law, Tribunals, Eviction ban, Mediation endless interference etc, and you want new issues, come on now is there not any other business left in the Country to attack.
From:
Michael Foley
30 June 2021 17:32 PM
Some still smoke inside I am suffering the consequences of that everywhere yellow I had told them not to do it but their reply was we leave door open when we smoke !. Sometimes its hard enough to get rid of the smell of the people never mind animals, some around the place all day or in bed smelling & sweating.
From:
Michael Foley
30 June 2021 10:59 AM
Whatever happened to Democracy we now live in Enforced Society, everything forced upon us against our will.
From:
Michael Foley
30 June 2021 07:18 AM
Ferrey I agree looking like a sash window, yes a bigger one at the bottom to open probably additional opener to double as fire escape with fire escape hinges. I have a house in a Conservation Area but I am only in it in the last 20m of a 400m road so everyone else can do almost anything but I had 5 refusals including 2 Ministry Appeals and one returned under section 70a not that it matters a carrot to me it’s their loss.
From:
Michael Foley
29 June 2021 11:56 AM
They are always complaining about LL’s not upgrading the Property. This gentleman has done it at his own expense & gone the extra mile to make it better with triple glazing. I can see nothing wrong with the appearance of the windows with the same proportions & divisions as original. They are bog standard bay windows in a 4 storey Victorian Terraced type house, not much heritage to be damaged there.
From:
Michael Foley
29 June 2021 08:34 AM
MHCLG must know full well they themselves are the main cause of virtually all disputes between LL & Tenant is that not what they have been doing year on year. This is more of it and then to tell them to go to Shelter and or Citizens two anti LL Organisations that’s done so much damage to private LL’s. Regarding Repairs my life has been taken over doing Repairs but not from wear & tear. The Repairs is the damage and alterations done by the Tenants, so the question should be does your LL want to evict you for the damage you have done. The Tenant knows not a need to worry with Gov’, Shelter, Citizens Advice, Generation Rent & loads more to side with them, what has been done to help us but nothing.
From:
Michael Foley
28 June 2021 07:16 AM
Of Course they are encouraged to default.
From:
Michael Foley
25 June 2021 07:59 AM
Mark, don’t laugh its not at all funny I spent weeks currently putting right the damage by 2 dogs & their owners, replacing shower room and all laminate type flooring never mind the grease, water damage to kitchen because of misuse, we don’t need to go walking for exercise, (work would be good exercise for Tenant) constant interference what we must do, not only we can’t say no to DSS now we can’t say no to dogs what’s the next one.
From:
Michael Foley
25 June 2021 07:21 AM
Affordable Social housing means free, how could you have enough of that. Nearly every night a hard luck story a lady with kids from various fathers and having more, no Daddy contribution, also showing the filthy state of the property do they not know how to clean, soap & water are not expensive just clean it.
From:
Michael Foley
24 June 2021 15:19 PM
Sometimes if you had a Deposit they didn’t give you last months rent, how true is that.
From:
Michael Foley
24 June 2021 09:41 AM
I have never kept any Deposit or part of in 43 years that’s when I used to take Deposits that’s fact. The Tenants knew that I could possibly stop some money so they kept the property better, everything worse now and much more damage. The Deposit schemes are now all about the Deposit and not the Property.
From:
Michael Foley
24 June 2021 09:12 AM
What’s the point in having a Deposit if they get it all back & this is encouraging them not to take of the property. The LL still has to fix & at repair at his own cost plus deal with the administration and the encumbrance of the Scheme adding to the burden of letting. Property had far less damage before any of this.
From:
Michael Foley
24 June 2021 07:51 AM
Many of the houses in North Lincolnshire that are vacant probably are not fit to let, so if they let them they will be served with a prohibition notice still a vacant property.
From:
Michael Foley
24 June 2021 06:18 AM
Council constant interference is probably the biggest cause of Communities not flourishing. I believe many properties are empty exactly because of this reason too many unnecessary rules & regulations making it too difficult to comply otherwise properly wouldn’t be vacant, they have made many scared to let do they not know in many cases they are the problem. This is another money grab how many have we had. Bank Base rates should never have come below 5% the root cause of housing problems abolishing savers forcing everyone to put their money into Residential property as no where left to put their hard earned cash, (main reason to why young don’t save). Coupled this with the internet making it easy to make rules, control , fine, bully and take money from people willy-nilly with no input or effort, then when they have you on your knees they want to give you a grant,
From:
Michael Foley
24 June 2021 06:01 AM
I see other legal Firms up to this scam as well offering Tenants no win no fee as if they could loose with Court backing, easy money band wagon beats working.
From:
Michael Foley
23 June 2021 11:49 AM
Why would they ask LL’s we are irreverent, we are only the owners we don’t have any rights.
From:
Michael Foley
22 June 2021 11:10 AM
Only 62% of Residents backed the Scheme, very strange or why ask people who don’t have to apply or comply, (what answer do you expect).
From:
Michael Foley
22 June 2021 04:03 AM
I don’t believe Lloyds or other organisations will have to follow the rules, just like now rules don’t apply to huge numbers of LL’s. Do you really think after all we have been through that rule apply equally to all LL’s or even private sector LL’s, for example if you let to families, let to certain individuals, let to any number of persons remotely related, you are virtually exempt, what has that got to do with anything a person is a person & should be treated equally before the law but obviously not if this is not discrimination what is. Market forces can’t decide what the housing sector should be or a level playing field when its being deliberately distorted and manipulated by law.
From:
Michael Foley
21 June 2021 21:26 PM
No not allowed to use Waste / Recycle centre in Brent anymore, I only got in once this year turned away like dozens of others its reserved for Digital Academics to book on line or excluded that’s a good chunk of the Residence excluded. The girl that went through the gown hat & roll of paper process is there as an extra tax payers expense with her lap top to stop you, it doesn’t matter that I pay £2500. pa c/tax.
From:
Michael Foley
21 June 2021 10:10 AM
Yes I agree we all have to count, especially these days when material costs are gone through the roof strangely not much being said about it. When you have to do a refurb just like I have done on a one bed Flat it’s horrendous. £3k material & rubbish removal alone & taking kitchen units etc out in bags because of water damage & misuse, not done yet I will need to get EICR or cannot re-let, loss of 2 months rent & counting, do I have to pay c/tax on empty property OH no !. O’yes all my work to use the materials is completely free, it must be why we are classed as Criminals because we are such mugs. I am not finished yet I have to replace the bed, wardrobe, washing machine, fridge, freezer, table + chairs, microwave, settee etc, (previously broken or nicked by previous Tenant). LL’s don’t complain or Council will fine you as well.
From:
Michael Foley
20 June 2021 11:43 AM
Nationwide giving donations to Shelter while LL’s are a major customer of their subsidiary TMW’s.
From:
Michael Foley
20 June 2021 10:41 AM
P F uk that’s exactly how it is, how many times have I heard that, we are just looking after it for a friend, so now they want to make it official, same goes for extra stayers (sub-letting) my friends are only visiting.
From:
Michael Foley
16 June 2021 22:34 PM
I think those guys don’t know like us we are front line. I have had them all, big dogs, small dogs, cats, birds, fish, snakes, pet rats, live rats to feed the snakes, ginneypigs, armadillo’s etc, LL keep quiet or its you we will fine, we are the cannon fodder on the Somme going over the top blind folded.
From:
Michael Foley
16 June 2021 14:49 PM
So we are being forced to do what we have always done, it has taken them a long time to come up with that, its as the man said to see how much more of a knock the LL can take before going to Court for a further reduction.
From:
Michael Foley
16 June 2021 12:32 PM
Yes John just more paperwork and Registration for anyone that holds information about someone else, keep it up to date annually for even smaller businesses £40.00 minimum to Information Commissions Office.
From:
Michael Foley
16 June 2021 09:54 AM
It’s more & more endless interference by people that its has nothing to do with. I had enough of Tenants pets, the cost and my personal Labour putting things right after them again & again is horrendous that would be a novel on its own. I won’t mention throwing away the Henry vacuum stink of dogs wee. Is this not the same lord Black sentenced & done time part of 6.5 years and later pardoned by an impeached President, obviously I must be mistaken apologies for that cannot be silly me. The so called model Government Tenancy 68 page approx agreement that has replaced the previous one 48 pages approx’ that LL’s & Tenants can’t cope with because its full of bull sugar and over 50 other pages of Documents to serve at the same time.
From:
Michael Foley
16 June 2021 06:51 AM
Sorry Kieth. I would love to agree but the reality is very much different, it’s wishful thinking. Many of my rents haven’t gone up in years and some have gone down when they weren’t high in the first place. Another huge cost coming later again this year for Licensing Application Fees there are 7 of them £1250.00 to £1310.00 each minimum to Council plus all the Stuff that has to go with them, that’s over £10k for starters, my time means nothing to them but their time is mighty valuable by comparison and they charge a fortune for it even though all they do is press buttons. Then I have to do the work to keep up with it, my cost and everything I buy, it bad enough paying 40% tax but when I spend I am taxed again (taxed when you earn, taxed when you spend) while very little cost to Council & no responsibility. Anyone who thinks they can add to the Rent is mistaken, you can’t add what they can’t afford and with arrears as well, not a hope. What also galls me more there were all Licensed before at least twice some 3 times and one will be the fourth time,(2006, 2011, 2016, & now 2021). People are so naive the seem to think 5 years is a long time but obviously not. When I checked one road where I had a License in 2006 no other had a license, agents just put 4 on the agreement they said it was a point of Law. Pass on the costs my foot.
From:
Michael Foley
15 June 2021 20:44 PM
We don’t need reforms what is needed is scrapping everything they have done this last 10 years. It good a LL body has been invited to take part but hope Shelter is not there as well, they have in the past a if they are NRLA should walk out. It so easy to fix housing situation scrap the nonsense too many thousands of people in suits living off the backs of LL’s with no input including LA & some civil servants , they are like scammers.
From:
Michael Foley
15 June 2021 06:54 AM
Yes no family should live in such appalling conditions, didn’t tell us if they were on Benefit if so buy and maintain your own home wouldn’t that be fair. The Council are supposed serve the public of which LL’s are part, they are supposed be impartial and not taking sides. This is abuse of power and Allison should resign and the whole Croydon Council stood down, not fit & proper buying a big building paying millions over the top then didn’t know what to do with it. Is there any legal process for Council to be accountable.
From:
Michael Foley
14 June 2021 18:54 PM
I know we are getting hammered but don’t complain about inspections every time they come you’ll have more to do, they are not going to come and say nothing, a bit like MOT you think your car is fine until it goes on the ramps.
From:
Michael Foley
14 June 2021 12:12 PM
The rules wouldn’t be broken if they didn’t make stupid unnecessary rules in the first place, that’s the Blight. I at not knocking Agents at the same time they employ a lot of young people. The rules are made to make it impossible for many LL’s to comply, they would tie you to the desk instead of letting you run your business, (unless digital academic LL).
From:
Michael Foley
14 June 2021 09:38 AM
Some good information for LL’s whether new or existing but can’t see how Charging low Rent could put off prospective Tenants.
From:
Michael Foley
11 June 2021 04:08 AM
Merton Council sees prosecuting LL’s as a quick way of generating profit.
From:
Michael Foley
11 June 2021 03:55 AM
Ok I can’t see how licensing application fee of £1’300.00 is justified or £85.00 per hour for a Council girl with a clip board to make subsequent visits to a property (one is covered in original fee if they choose to visit.). How does taking the LL’s finances improve standards.
From:
Michael Foley
10 June 2021 14:43 PM
Good idea it should be same on mainland why should Council charge huge unjustifiable application fees, just because they want it on private property the LL has to pay to do the work and endless certificates & other compliance. I have no doubt most LL’s will join in Jersey & get registered the Authorities can stitch them up later they’ll know exactly who to go after. The LL’s most of them miserable sods won’t even pay £80. to join Landlords’s Associations. I think Landlord Associations should be free to join as well, then they would have 2 million members instead of 80’000, if they had a strong base like that there’s plenty other ways of getting revenue,
From:
Michael Foley
10 June 2021 07:51 AM
Most of mine are around 3% or below and if I weren’t a long time LL I wouldn’t have a hope of being viable, of course those are gross yields, we have expensive properties with low return them add a mammoth of regulations and Licensing Schemes that other parts of the uk don’t have or far less costly,
From:
Michael Foley
09 June 2021 22:51 PM
Its the storm before the calm not sustainable, everyone jumping into property nothing adds up, the market is distorted for years with stupid regulations and the deliberate abolishing of savers by reducing the base rate too low, making their savings worthless so they all go bidding against each other buying property that they didn’t necessarily need or want. False economy making property too expensive and unaffordable, bad leadership then they have to turn around with all this nonsense help schemes. I hope it stays fine in Manchester with farmer economics, so you count the gross yield don’t count any of the costs, try a lender will that, or most likely you’ll have a minus yield.
From:
Michael Foley
09 June 2021 22:27 PM
Very noble of them are they sure they can afford it miserable sods. They are only looking out for themselves what’s a few crumbs off the table. We are buying stuff every day and paying 20% tax on it, a fiver is small beer and for a limited period.
From:
Michael Foley
09 June 2021 09:15 AM
Yes all new Digital Academics hands off real work LL inventing digital documents everything for computerisation all preset programmes so they have nothing to do just like Regulators and rule makers if press a bottom don’t suffice forget about it. It’s to drive out Traditional real LL who have always done everything the idea now is take it away from him so he can’t operate. Those guys out of Uni’ educated on our taxes now know everything but can do nothing hence they can do this rubbish from home or home working that will be admin only.
From:
Michael Foley
08 June 2021 17:18 PM
So if Shelter gets rid of private rented sector what will be left for them to do ?. Same with motorists get rid of the cars ?, who will they fine then for the easy money, it might be you.
From:
Michael Foley
08 June 2021 13:14 PM
Andrew, all this talk about eviction is nonsense, when Tenants are ok we don’t want to get rid of them, we are sad the day they leave.
From:
Michael Foley
08 June 2021 10:34 AM
I don’t understand what this rental yields mean, it seems to be a gross rental yield on the face or it. How about the net yield / loss of counting the real costs, Mortgages, Stamp Duty, legal fees, vacant period, furniture, refurbished, white goods, thousands for Councils regulations & application costs, now re- calculate your yields please and not be misleading people now buying that don’t understand .
From:
Michael Foley
08 June 2021 07:23 AM
They say they have questioned Tenants that have lost Tenants, what on Earth are they talking about ?.
From:
Michael Foley
08 June 2021 07:05 AM
From memory How to Rent has only been around half a dozen years and changed a dozen times since introduced obviously not a fit document and should be scrapped, they are making it up as they go along. Do they think young people don’t know How to Rent and now the most educated generation ever plus computers, iPhones, laptops, Mrs Google, a wealth of information everywhere, give me a break we have been Renting for decades and now all those lame ducks are wondering how to tell how to do this rocket science.
From:
Michael Foley
07 June 2021 10:30 AM
As far as I am concerned they always gets the ridiculously huge amount of documents, they are stapled on to the Agreement. They call ‘How to Rent’ Government guide lines which was brought in by Shelter a non-elected body that don’t supply housing and have Charity Status, therefore should not be making Government Policy or invited to the Parliamentary Select Committee having input on decision making otherwise we might as well scrap elections. I wouldn’t be too worried about encouraging Tenants to go knit picking over any minor errors in the paperwork, as if they are all Snow White themselves and might not want anyone taking taking a closer look either, activist are scraping the barrel now with spurious allegations.
From:
Michael Foley
07 June 2021 07:48 AM
Ok just keep paying, we always had the best properties before any of this and took pride in our properties even the envoy of home owners, now all that is gone property recked by putting the Tenants in charge. I have no confidence left in any of them.
From:
Michael Foley
06 June 2021 09:47 AM
Regulation sometimes waste energy like forcing houses to have HMO licensees, not all I understand if all related & usually milking the system. However, I have seen many properties that could easily house 5 or 6 and normally would but because of HMO’s requirements they prefer to let to 4. What a waste of energy it still costs the same to heat the Property, so maybe EPC shouldn’t be based exclusively on the fabric of the Building but the amount of energy per person required.
From:
Michael Foley
06 June 2021 06:54 AM
I hope they are better than the electric cordless mowers worse than useless. I bought a Bosch 38v thinking it would be easier to transport from place to place and not needing to asking the Tenant for electric. It would kill a horse to push and grass needs to be already short, even though I bought the best one £500. + it soon goes flat. I could have bought 3 petrol mowers self- propelled 450mm cut from Toolstation instead & have £50. Change. I am now back to my old petrol lawnmower I hope Electric Cars are better.
From:
Michael Foley
06 June 2021 06:26 AM
There is no energy saving in the main when the LL pays for energy used especially in HM0’s. I have seen it turned up to the last 24/7 whether needed or not and I was actually there when some came home, its hot in here isn’t & threw the windows open never turned thermostat down or boiler off, its like they want to waste when someone else pays the Bill. I know of some LL’s tried to control the use by installing hive and limit its use by mobile phone, that didn’t work uproar occupant has to have control.
From:
Michael Foley
05 June 2021 06:40 AM
That’s great news very fair & impartial not, could we ask for anymore support for the Council ?,
From:
Michael Foley
04 June 2021 11:13 AM
London totally ridiculous.
From:
Michael Foley
03 June 2021 19:29 PM
Government guidance if this is what it is why do they say so rather than further confuse. Assured Tenancies never mention Assured Short Hold Tenancies a different thing to my mind.
From:
Michael Foley
03 June 2021 09:26 AM
Julian, we appreciate and respect our Tenants they are our friends mostly and do everything possible to help them, for any potential Tenant that don’t like LL’s don’t rent from us we don’t want you, buy your own, a chip on the shoulder is too much hassle don’t need it.
From:
Michael Foley
02 June 2021 17:17 PM
New S.8 and breathing space for Tenants, no breathing space for LL snuff the last breath out of him, then they have the cheek to talk about mental health which they cause with nonsense rules. What they are doing is enough to drive anyone crackers, add traffic creating schemes, penalties, blocked off roads clogging main arteries, over the top speed restrictions / 20 mph virtually all over the Capital, London wide Congestion charge, £15. Emissions charge £12. daily coming except Christmas Day no wonder people are leaving Town how is this racket going to help the economy mutton heads.
From:
Michael Foley
02 June 2021 14:56 PM
P.S, obviously Jim you meant when Section 21 is abolished not Section 8 (typo).
From:
Michael Foley
02 June 2021 07:28 AM
Ok but more & more bureaucracy with Section 8 that I don’t want our lives have been taken over already with Digital Academics & Computers without which we would not have all this nonsense. I will say it again because Section 21 was there and the Tenant knew it was there meant you didn’t have to use it or only as a last resort full stop. It might be presumptuous of me to think your HMO’s are predominantly room letting in the main dealing with individuals peace meal, from what I have read concerning Council in the press years back from memory about your model as apposed to me letting Property / Houses as a complete unit now there’s the crux of all, many apologies if I got something wrong.
From:
Michael Foley
02 June 2021 06:40 AM
This is a disaster it will be abused wholesale, its likely to be the damage they done to the property. I should know that having spent months putting it back to how it was, it wouldn’t have happened if regulators hadn’t interfered and made us powerless, even if to properly isn’t damaged they we fiddle with the Boiler & say we had no hot water for ages this one is used already.
From:
Michael Foley
01 June 2021 21:08 PM
P.S , Julian don’t forget to tell Shelter / Generation Rent etc to stop working against us.
From:
Michael Foley
01 June 2021 18:30 PM
Julian, my rents haven’t gone up in 8 years and were behind at that time. Further we have been loaded with Regulatory and compliance costs, now add substantial arrears, how many hits do you want us to take.
From:
Michael Foley
01 June 2021 18:25 PM
George my friend are you mad, surely you are not suggesting they should have bought, that means they would have to pay. We have gotten to know from our own experiences the groups most likely to cause us a problem but now its been made illegal for us to say so.
From:
Michael Foley
01 June 2021 07:46 AM
A Charity campaigning saying get rid of Section 21 and the eviction ban being a lifeline for Tenants forgotten to say its been the death knell for some LL’s. It would be great if all those campaigning groups actually supplied some housing instead of talk and knocking those who do, why are they giving the ear of Government & media time when its not their property is in question, just sitting on the sideline making laws & calling all the shots, what gives them the right, they seem to forget furlough was the lifeline giving them 80% of their income many simply kept it and if the LL’s had got the 80% there would not be so many Court case. I at knowledge some had left the uk but still claimed and had the money paid to them while living in the homeland. Damming New Research indeed by CEO £120k approx pa no worries about paying the rent then.
From:
Michael Foley
01 June 2021 04:06 AM
Jim dearest, there is no shortage of housing there is a glut where are the people living now. Building thousands of high rise unsuitable Flats clearly not required like 55 stories high just a mile from Grenfell 24 Story that the couldn’t cope with & killed 72, rip. Their answer build Twin Towers twice as high, is this the calibre of the Council laying down laws for us. I know there are long Council waiting maybe 13’000 in London or half a million nation wide. That doesn’t mean there’s a shortage of housing, that’s the free-be list or subsidised waiting list, plenty of property if people want to pay but they are not silly its the system is totally wrong. Just like we have been wronged imagine you buy a Freehold property very difficult to achieve we know that, right so its your or is it ?, yet a blank stranger off the street who by all accounts is supposed to be a temporary occupant have more rights than the owner after all his input & hard work, this is not a business plan its a mockery.
From:
Michael Foley
31 May 2021 21:17 PM
Its Great to help people who are willing and make the effort, not just sit there waiting for everything to be handled to them.
From:
Michael Foley
30 May 2021 15:17 PM
Fair enough but as ‘ girlish’ said its the Council that caused all the problems in the first place. Endless cost & damage to the property by excluding & taking control away from LL putting us on back foot and having to put up with all kinds of nonsense. No surprise Tenant moved on or paid up when mention of Council involvement, something to hide big time don’t want them having a closer look, if they investigated them the way they investigate us there might not be a shortage of housing.
From:
Michael Foley
30 May 2021 07:33 AM
Of Course Landlords are getting younger & richer, all Digital Academics from university rubbing shoulders with counter parts in the Council but don’t ask them to drive a nail. Many taking on traditional LL’s property and sub-letting it making double what they pay the LL’s, R 2 R style in cloak of Ltd, it rife all over the place. I know because I live in the Real World and been approached oodles of times, you don’t need to be Einstein to work out the profit, full rental income with no Mortgage to pay & no need to own a property but some do own one or two. Regulation not a problem for them press a button on the lap top usually suffice if all goes wrong LL’ take the hit, we are really taken for mugs and doubt if many have the required Commercial Insurance. I don’t need data or Surveys to know what’s going on.
From:
Michael Foley
28 May 2021 17:35 PM
I built my first house when I was 25 and with only hand tools, no electric on site, cordless not invented every bit of it and no family or government support, incidentally I still have it. The Regulators & Generation Rent had yet to be born, now they are torturing me.
From:
Michael Foley
28 May 2021 11:24 AM
Yes we always make significant improvements before letting out a property. However, when Tenants stay or rotate for long periods without a break how do you keep standards up, especially when lumbered with new rules & extra requirements, it’s impossible when occupied and everywhere full of their belongings plus now they have too many rights and don’t want you there but some see fit to complain about everything. I don’t see any provision in the Regulations how the LL is supposed to achieve or comply, maybe by magic.
From:
Michael Foley
27 May 2021 08:16 AM
I read your many comments with interest but for me I always felt even Section 21 sold us short. As only the County Court or the Tenant a temporary occupant, could terminate the Tenancy the Landlord / owner could not, was that right or fair anyway you look at it, a matter of 6 months process before any back log, it cost me £1500. Legal Solicitors fees + vat of Course. So now it’s going to be replaced with something worse. There was also the 12 months rent arrears that I never got. I got the Court Order which granted me the money plus interest. I was so green I left the Court believing I would get paid silly me. I was working 15 hours a day trying to keep Bank and tax man at bay, while this Asian man drove around in his BMW dressed like a lord complete with lap top. Sorry I have no knowledge!.
From:
Michael Foley
26 May 2021 20:01 PM
Alacia, must know full well you can’t evict a Tenant for reporting repairs is that not part of the 2015 De-Regulation Act so why say such things. We always deal with repairs immediately anyway. There might be grounds for eviction if the Tenant caused the disrepair which is likely to happen. I had had plenty of damage done which is why I am busy now putting it back how it should be. I wish they’d ban impact drivers everyone putting in too many over sized screws just because it’s easy for them to do but never again to be got out, try it some time, doubling maintenance costs.
From:
Michael Foley
26 May 2021 13:33 PM
We didn’t have to use S 21 very much because the Tenant knew it was there, you are missing the point why was it brought in, it was brought in because there was no LL’s to provide property and if let anyone in they immediately became a sitting Tenant, your property became virtually worthless over night and you would pay the Bank to house someone else, that didn’t work very well did it, hence S.21 to guarantee owner a right to his property. Fery is absolutely correct to be concerned about Freeholders rights. We are going back to where we were in the 60’s / 70’s before, that’s fine keep sleeping walking into it, clearly if someone occupied your property and have full control over it, it’s not Freehold in essenes it’s not yours. I don’t have time for all this I have plenty to do.
From:
Michael Foley
26 May 2021 10:09 AM
No Daddy, don’t agree before Section 21 was interfered with by Shelter mostly and others Tenants behaved because they knew you could do something about it if they didn’t. So we didn’t have those current problems like sub-letting over crowding etc, just because you let individual rooms and have rights to access you can’t have any of the above plus other LL’s using Agents for HM0’s mostly now to Digital Academic parading as Companies, the LL gets his money alright but they make as much more subletting not complying with the rules, usually short let’s AirBnB type or taking single shares off the Council. The Council loves this fraudulent activity it suites them do they call it R2R ?. I know Alacia is right it will save the Council fortunes without S.21 Tenants can’t be turning up at Civic Centres with their Court Order to be housed guaranteed we’ll be stuck with them. We had those White Papers & Green Paper before you were a LL Daddy when Sir George Young was Minister bless him in the process of introducing S.21 or any of you wouldn’t be LL’s, where were you or the letting Agents before that, weren’t there no such thing only a handful in London which is why we have S.21. I urge LL’s not to be taken-in we didn’t want HMO’s either in the first place it was forced upon us, it suites Daddies dividing property into cubicles incl’ sittings rooms to let to individuals for maximum profit not my way, it’s a kin to bedsits of the 1960’s. M Foley LL 43 years.
From:
Michael Foley
26 May 2021 06:45 AM
AQ P, I had a HMO house to let. I approached a large West London Letting Agent in his big Office that I knew, firstly he was all business and when he realised it was a HMO he said we stopped doing those it’s a minefield, so there you go use a letting Agent even they are sick of it, but he couldn’t get enough to let to Council. Sorry I don’t have any knowledge my apologies.
From:
Michael Foley
25 May 2021 23:18 PM
John, you mean there’s more, my goodness it is a Police State. So sorry for ever being a LL my big mistake. I could have been on Benefit everything provided, my family reared & fed & educated for me. Then I could complain about LL’s and not be wearing out my body molly cuddling others. So about typo previously I meant to say up to 40% but maybe that should be up to 45%. the screen on my phone is very small. I’ll have to learn your code of conduct obviously to stop anyone from telling the truth but I think we have that already. I wish you well, night.
From:
Michael Foley
25 May 2021 22:36 PM
We provide the housing at no cost whatsoever to Government how can they have a better deal than that. We buy the property off our own backs, give Government tens of thousands SDLT for the privilege. Maintain & update the Property with our own Labour & Finance. Pay all Legal Requirements. Pay thousands to License and do the necessary Compliance requirements. Furnish the property usually also supply, washing machines, fridge/ freezers, hoover, microwave, cookers & additional cookers & extra sinks for HMO’s. Boiler maintenance & break downs Gas Certificate, Electric inspection condition reports, Fire Alarms Certs, Emergency lighting Certs etc. We do all this you can turn around surely and tell me they don’t like us, my goodness what a Service at no cost to tax payer top that. We are in Partnership with the Government but they are the Sleeping Partner with no input just collect 40% of the Profit to add to the thousands already mentioned. Their own Branch the Local Authorities can’t compete with us they don’t do or pay any of the above, dip into tax payers money for anything they do, they don’t pay tax as I understand it how about making us exempt. CHEAP PROPERTY PROVIDERS.
From:
Michael Foley
25 May 2021 21:14 PM
Cheap Housing Provider.
From:
Michael Foley
25 May 2021 20:35 PM
Why would Activist want more engagement between Councils and Tenants, they are in the same bed for years.
From:
Michael Foley
25 May 2021 03:28 AM
Can’t defend the Landlady for pretending to be living there or not having a License or Certificates. Why would it need the help of several Agencies to bring the Prosecution when usually they only need the Tenants say so to fine LL. The Tenants weren’t prosecuted for overcrowding and occupying the property illegally, its cannot be legal for 20 + to have live in the house, no Action against Occupants and don’t know what parking fines has to do with the LL. HMO license don’t stop over crowding that’s rife since LL has by made powerless to stop it and excluded from the Property. The only difference is if you don’t have a license it’s bigger fines. There was no overcrowding or subletting before licensing and other anti-LL Regulations brought in, in recent years enabling or guaranteeing this behaviour to happen this is a by-product of one sided Regulation.
From:
Michael Foley
25 May 2021 03:17 AM
Yes, Boxes stack them high that’s where the money is for the big Developers, it doesn’t matter about the customer repetition and they all live in little boxes and they all look just the same.
From:
Michael Foley
22 May 2021 06:57 AM
So Rogue Landlords & Fraudulent Tenants what next.
From:
Michael Foley
21 May 2021 16:13 PM
Surely not, its the Government / Rishi Sunak, Robert Jenrick plus Shelter & Local Authorities that caused the situation we now find ourselves in by Law, not the Pandemic we know what happened to us is a great deal more than a virus.
From:
Michael Foley
20 May 2021 22:29 PM
I used to like Auctions but you need to be a Regular really to get wise to what’s going on. The Cartels for a start maybe Asian or Golders Green regular groups that don’t bid against each other (you buy this one and I’ll next one) the used to have it all their own way for years. Of Course there used to be bids off the wall, owners bidding up their own property which is allowed and the bidder runners (the guy that got £20 / £50 to bid it up and if it fell to him disappear) they’d knock you down running down the stairs to get out quickly, that’s all stopped now with pre-registration, you’d better had made sure your finances were in order or it could cost you dear.
From:
Michael Foley
20 May 2021 17:56 PM
All new kids on the Block even ARLA is not around very long, we were LL’s for decades before them now all so high & mighty we have to learn to do everything their way.
From:
Michael Foley
20 May 2021 11:34 AM
I don’t think the difference in measurement is anything to do with it, it will be a small percentage of over all size and they vary slightly between assessors, generally the flats are measured over all floor area excluding the external wall but include internal dividing walls. I had EPC ‘D’ and was told the improvements to do for better EPC. I done all that namely, New Condensing Boiler, Cavity Wall Insulation, increase roof insulation, New Double Glazed Windows, low energy bulbs, add room stat, had EPC re-done and still gave me a ‘D’ the assessors are not consistent.
From:
Michael Foley
19 May 2021 14:37 PM
Mark, that’s a great idea why didn’t I think of that, exit by the Gift Shop that would suit the free loader Culture down to the ground. Why Rent or buy you’d have to be mad, just give me one everything must be free it’s my right.
From:
Michael Foley
17 May 2021 12:17 PM
Bill, so you say Sam is very brave, if you want to know what it would be like without private LL’s, then not too far back to look when there wasn’t any, like 1960’s when it was almost impossible to find somewhere to live and not everyone owned or could afford to buy a property. Don’t think property always increases every year, there has been several years when it decreased (2009 one for example) short memories. Without us the economy would collapse but another collapse imminent anyway, spare a thought for job losses and the millions coming off Furlough.
From:
Michael Foley
16 May 2021 08:12 AM
Any mention of the billions contributed annually to HMRC by private LL’s.
From:
Michael Foley
16 May 2021 04:27 AM
So 2 regular LL’s that I usually love to agree with, but on this we have opposing views naturally enough given the unfair treatment of private LL’s. I agree with Robert on this one no offence to A,B. LL’s are giving no break whatsoever but hammered in every way possible no allowance for anything now really just penalties. The two way mentioned above extra money Stream & AirBnB as said, other ways its distorting unfairly its used as a cover by some to have a number of renters as lodgers all Regulation and income exempt. Why would it be any surprise if tax exempt money declared has risen, probably useful for people who don’t have a Lodger, to claim it as cover for other income. I think its akin to when our 10% wear & tear allowance was removed, everyone was claiming it when huge numbers were letting unfurnished & not entitled to, ruined it for genuine LL’s supplying everything.
From:
Michael Foley
16 May 2021 03:57 AM
Are we not all Registered already don’t everyone have a tax file number, so the Authorities know everything about us already. I think there should be a Register for Criminal Activists.
From:
Michael Foley
15 May 2021 22:31 PM
Well is it but 2 let or buy to subsidise housing for other people cheaper than they could possibly do it themselves.
From:
Michael Foley
15 May 2021 13:57 PM
You say only 5% UK built on, don’t forget about the Height.
From:
Michael Foley
15 May 2021 05:00 AM
Ok George, you say £1600. per week for one bed Flat x 52 = £82’300 annual rent, fair enough, I’ll pass on this one.
From:
Michael Foley
15 May 2021 04:52 AM
So they are asking a question why are Tenancy Disputes still happening. The answer is simple, outside interference making loads of one sided rules removing LL’s rights while giving every credence to Tenants and maybe 3 times deposit paid back to them or even the rent returned absolute nonsense, if we have major damage do we get compensated 3 times the amount, no probably nothing. When we were allowed to run our Business and have control over our property there was no 35’000 disputes in a year were there ? Where is your data for that, so the problems are your interference and injustices,
From:
Michael Foley
15 May 2021 04:34 AM
Terry I have a good one bed purpose built Flat it great nick, new heating system, full kitchen, full bathroom, large sitting room, double bedroom EPC band ‘C’ in Harrow I would love you to have it, you can have it for £295k no bull.
From:
Michael Foley
14 May 2021 18:18 PM
I don’t believe there is a shortage of housing. I understand there are 600 for Sale in Wembley and 700 available to rent. Also new Flats Built to Rent sitting there, people want houses & Flats with gardens not high rise. Media hype about shortage according to them there are 13 purchasers chasing each property. I see 8 properties for Sale in 2 adjacent Roads and near a Central & Piccadilly line stations. So only 3 viewed still no offers, no queue of 13 outside any property not alone each.
From:
Michael Foley
14 May 2021 18:09 PM
Andrew so was I. I had built my first house & paid for before that. When I got married I carried her over the threshold with no Mortgage to pay and she is still with me, don’t know how she puts up with me.
From:
Michael Foley
14 May 2021 10:56 AM
Like having 2 dogs when they weren’t allowed, removing my Shower enclosure with tray completely, forming constructing Dog Bath in substitution complete with front masonry kerb 50cm high, 1m wide wall to wall x 60cm ceramic tiled, it leaked as well so that’s what I am currently doing removing and putting back how it was. The floor and surrounding wood work has rottend away and now taking it out in builders bags. So great animal pet lovers caused me this, any other lucky LL’s with a dog Bath.
From:
Michael Foley
14 May 2021 07:44 AM
I love a wind-up it must be Rising Damp or Mr Rigsby sorry Leonard try the Palladium.
From:
Michael Foley
14 May 2021 02:54 AM
I see a whole development done some years ago with Shared Ownership in London many 50% share. There were so many Flats packed in, the Developer had their full money back immediately, still owned more than half, still in control and Rental income from all of them, great idea for Developer not the buyer.
From:
Michael Foley
13 May 2021 19:50 PM
Barry James how right you are what Planet are they on, we live in London and know the market better than to be taken-in with this blatant nonsense. A one bed Flat is between £900. to £1100, pm. generally of Course you can look for exceptions. I even have a 2 bed Flat let in Ealing with garden for £1’200. pm. (no Service charge) You are not going to get £3’900. for a five bedroom house ever so what nonsense is this. Shared Ownership is a disaster I know people who had those and all regretted it very much, hard to sell on and a load of Conditions, Keep well clear not a good idea.
From:
Michael Foley
13 May 2021 19:30 PM
Robert you are right but which ever way you look at it, whether decimals or fraction it not very much, so I am 99 times worse of, sorry I didn’t have any further education, I just paid tax for 58 years to educate others to make a mess, although it is .01 % they pay me. I don’t have the time for switching Banks and jumping through hoops, it should be same for everyone but no it’s like energy Companies switching all over the place.
From:
Michael Foley
13 May 2021 18:04 PM
It was wrong to abolish savers by bringing Bank Base Rate below 5%, anyone would have know what was going to happen after that, forcing people to buy an additional property to stop their money devaluating the rest is history. Another thing now wants everyone to pay by card & do away with cash. LBC is on about it every night but don’t know what they are talking about. I was going along with the idea until I seen some of my recent purchases paid by credit card where a 1% surcharge is added on. Wonderful I already had to pay 20% vat tax now plus 1% additional charge 1/5 of my money gone in the wind, incidentally my Bank pays me .01% so I have to pay the supplier 10 times this amount to spend my money, if cash is done away with all the Banks with charge for using the card, separately I pay £190 annual card fee as well. How can they save bring back savers.
From:
Michael Foley
13 May 2021 13:53 PM
Why would you need a Tenant Register. The Laws only applies to Landlords, that’s been well documented year on year and on going, what ever happened to the scales of Justice, seems to be stuck out of balance.
From:
Michael Foley
12 May 2021 21:21 PM
I supposed they’ll buttering us up a bit now while they bring in Renters Reform behind out backs, am I get sceptical in my old age...
From:
Michael Foley
12 May 2021 17:18 PM
I am cleaning up a place now and it stinks of Cannabis, not cultivating it but certainly smoking it. My paint work that was white is now Victoria Cream, if I were tested I would probably fail from breathing it in all day & stuck in a bathroom all day removing ceramic tiles, can hardly see what I am doing with dust, who’d be jealous of a LL.
From:
Michael Foley
12 May 2021 15:58 PM
Why would they need a Register to root out criminal LL’s if they are saying there are criminal LL’s then they must know who they are otherwise its all here say.
From:
Michael Foley
12 May 2021 13:25 PM
Exactly no consultation just like the Licensing Schemes, just pretend going through the motions, then the so called period ended that’s your consultation.
From:
Michael Foley
12 May 2021 08:02 AM
NRLA or other LL Associations is all we got so better not knock them too much, although its a shame Mr Richard Lambert didn’t stay on after amalgamation.
From:
Michael Foley
11 May 2021 20:59 PM
Hi Adey, Sorry you seem to have your share of bad luck, how did electric wires become bare surely not by themselves, the ceiling coming down was it from the misuse of the bathroom above if not I apologise. Why did you stay 6 years its a free Country. I don’t blame the previous LL for selling very wise man. Of course Tenants are not cattle they are very respected human beings and we appreciate them very much as Tenants and help in every way possible especially at this extra difficult time. I hope to situation improves soon and find yourself a decent LL, it’s not worth the hassle to live like that. I wish you well.
From:
Michael Foley
11 May 2021 19:16 PM
Jo Gideon MP is right there is a big imbalance between Landlord and Tenants right. Tenants have got them all and LL’s no Rights whatsoever, now that’s easy to remedy give us back our Rights, start by scrapping the Deposit Schemes, give us back our 10% wear & tear allowance, scrap Shelters ‘How to Rent nonsense. Scrap 2015 DeRegulation Act. Scrap section 24 interest Business loan ban. Reinstate section 21. Scrap 68 page so called modern Department Tenancy Agreements. Give LL back right of access in reasonable day light hours like we used to have when property was well looked after, no subletting or over crowding at all. Scrap Licensing Schemes. Scrap Article 4. That will do for a start Jo’ Gideon MP. Wait until I reflect on what Tenants additional rights have been impinged on during this time. Sorry there isn’t any very strange now that’s what I call an imbalance.
From:
Michael Foley
11 May 2021 18:37 PM
Its not to make anything easier, its to make it more difficult obviously. Everything they have done since Deputy Premier John Prescott 2004 Act proves that. The proof of the pudding is in the eating so we have had plenty to chew over.
From:
Michael Foley
11 May 2021 13:48 PM
There’s no yard stick for measuring rents in London some are getting good rents and many are not even in same roads. I understand regarding electric they now want metal consumer boxes but not many years ago they were telling us to use plastic ones. I believe both are safe when the screws are tightened properly, at the same time plastic is an insulator while metal is a conductor. I know which one I would prefer to accidentally touch if there was a problem with the installation.
From:
Michael Foley
11 May 2021 11:44 AM
Sadly costs are not passed on, not a penny. We have taken hit after hit including expensive Licensing and all associated compliance and still on the back foot, holding our breath around Tenants its ridiculous.
From:
Michael Foley
11 May 2021 09:12 AM
Don’t know what accreditation is all about I am not accredited at the moment just because I am not a Digital Academic capable of uploading CPD points or whatever they call them. I was accredited 3 times at Camden as well as doing the Courses to learn how to be a LL that I was doing certainly before they were born or Computers invented. I was also accredited with a LL Association so I was double accredited and now not accredited?. Virtually everything that’s wrong with housing caused by Technology people just sitting there making rules for rest of us that otherwise wouldn’t be there because they would actually have to do something called work. The location Authority’s gives you a discount on HM0 application if you are accredited but only once, to rope you in, after that no further discount for HM0’s but you are expected keep being re-accredited. Its now becoming a requirement to be a Digital Academic to be a LL or to pay yo tax, how many more eggs do we have to suck.
From:
Michael Foley
11 May 2021 08:37 AM
I would be a model Tenant if I and my offspring was kept and housed for free for 5 years, I should think so to, how anyone thinks this is fine is beyond me while others working their guts out to rear the family and pay the Mortgage.
From:
Michael Foley
10 May 2021 16:48 PM
Very good I like it SHELTER DEMANDS widespread reforms. The Charity that supplies no housing have a £60m pot with £15m annual grant thrown in of tax payers money. Wonderful now why wouldn’t they have the right to dictate to us, how about removing the £15m subsidy and the additional money they got to go over the Border into Scotland to see how much damage they could do there. Then remove Charity Status & let them pay 40% income tax, stop paying some of their employees over £100k pa, plenty young people who be glad to do it for £60k.
From:
Michael Foley
10 May 2021 15:02 PM
So they want to hear stories from all Private Renters so they have a better understanding of the challenges people are facing. They don’t want to hear from any Private Landlords then obviously we are not considered to be people or part of the equation. I must ask my wife to review her Tesco Club Card, we leave them a fortune.
From:
Michael Foley
10 May 2021 09:29 AM
JE, I do rent out quality affordable accommodation to people which is the business I run and happy to do that. However, sorry I don’t rent out Kennels.
From:
Michael Foley
06 May 2021 12:20 PM
There is no Management we are my allowed to Manage all LL’s Rights removed now they Regulators wants more soft Cash.
From:
Michael Foley
06 May 2021 09:05 AM
People have to invest in business or acids, saving cash is a waste of time ever since BOE reduced base lending rates below 5%. Abolishing savers over night forcing them to buy Property they didn’t necessarily need or want distorting the housing market for ever. This is one of the reasons young don’t have savings no point no return no incentive its madness to have done away with savers young & old alike. Suppose they had saved £100k sitting in the Bank by end of a year its lost 10% of its value. All this nonsense help to buy is a non starter just making money for Developers roping people in to a lifetime or debt. Seriously to buy a property you need 30% / 35% Deposit in my view to be able to afford it & get best Mortgage rates.
From:
Michael Foley
06 May 2021 07:35 AM
Its a better model far less hassle, costs & void periods for sure. I never wanted HMO’s they were imposed on me when everyone was not related. Council’s have this mad idea you are making a fortune if you are a HM0, in truth they are robbing you. I heard them say several times at meetings you were making 6% more, not the case at all. Sharers come & go all the time causing you extra work between let’s and an administration nightmare now that so much compliance and obstacles have deliberately been put in your way.
From:
Michael Foley
05 May 2021 22:40 PM
Neil, my friend we understand what happened in L’pool but don’t complain, you can feel aggrieved about your £10k but be thankful you didn’t have an inspection, when they do come there are going to have something to say that’s going to cost you a lot more, no matter how good you might think your property is, they are going to show you who’s boss to stamp their Authority.
From:
Michael Foley
05 May 2021 21:58 PM
We had the Mayhew Report / HMO Consultation. A guy came from York and Held meetings at 3 venues, he told us what was coming -in and that’s exactly what happened. So it was not a Consultation at all, just going through motions to say they had a Consultation. I understand he got paid £100k for that. It was pre-decided for sure, it was been put up on us regardless, silly me thought we would have a say.
From:
Michael Foley
05 May 2021 16:02 PM
It should not be up to the Tenant as to whether warning letters are sent to LL’s or not. How many warning letters did they send to Tenants or are they all Saints in other words its 3’000 to nil, now that’s what I call a level playing giro.
From:
Michael Foley
05 May 2021 12:23 PM
Many Council’s are cash strapped sometimes because of mismanagement, it makes little financial difference to them personally if they waste. Licensing same way in London but application fee £400.00 more than Nottingham.They pretend to be the Tenants friend while costing them a fortune and blame LL’s. The implications of Licensing gives them the opportunity to take tens of thousands in fines anytime they want, LL always has to plead guilty whether guilty or not otherwise end up in Crown Court and fine doubles or worse. Why do we have to Re-License again and again some now for 3rd & 4th time while some LL’s are not required to License even once because it’s the type of person they rent to is the deciding factor whether a License is needed or not. So it’s the People of a certain type we have to License not the Property, are people not all equal before the Law.
From:
Michael Foley
05 May 2021 07:26 AM
Who can tell the bones of the man that wore the ragged jacket. Chips are not cheap anymore I paid for £2.50 for a portion at the chipper other day, the way inflation is going not long before we’ll be saying as dear as chips.
From:
Michael Foley
04 May 2021 21:49 PM
Sorry JE, you are getting some stick. I am sure that you are a good living person really but with all LL rights eroded and no power left to do anything, its best not to allow animals just adding more problems. There is no big chunk of Cash we have loads of Costs unfairly imposed on us apart from buying the Property including putting our money at stake, then there’s the matter of 40% tax on letting income unless you Rent from Council who don’t pay tax.
From:
Michael Foley
04 May 2021 19:03 PM
JE thanks for reminding me, the right type of Tenant is the one’s without dogs. Its not your property if I own it. I have a property currently destroyed with dogs. Buy your own & we’ll get along fine but don’t impose you ideas on me.
From:
Michael Foley
04 May 2021 18:35 PM
We have had infestation so expensive and difficult to deal with, cost falls to LL, it enough to be dealing with their Bed Bugs, travelling the World sleeping god knows where and bringing it back, then they’ll be quick to report it to Council.
From:
Michael Foley
04 May 2021 14:31 PM
Generation Rent now the experts advising Tenants about keeping pets. They didn’t mention its not feasible to have Carpets with dogs. Just add this to my comment 2nd May ‘21, 20.43pm. The Laminate Flooring is ruined as well, swelled / deteriorated from the 2 dogs wee-ing on it that they weren’t allowed to have in a one bed Flat, now they want to make it official to have pets when they are taking diabolical liberties already. The place is like a tip you can’t hardly walk on the floors so much rubbish & discarded items. I have plenty of photos nothing cleared yet, obviously no income from it at present but me pay c/tax on vacant, maybe Generation Rent would like to come & clean up, while they are at it replace the multi-point locking system to front door that has been attacked. It was too much to mention on last blog for one bed Flat but this one is getting too long to.
From:
Michael Foley
04 May 2021 06:21 AM
Likewise as Jim I don’t take Deposits either, since they were taken away by Shelter in 2007 based on untruths. The idea of having a Deposit was to protect the Property they changed all that, the Deposit is now to protect the Deposit & not the Property, even worse than that you might have to give the Tenant back 3 times the Deposit if not put in some mad scheme and served correctly. Also used as an extra weapon as something to beat the LL over the head in Court. I concur HMO daddy it not worth having, causing so many Tenants to be out of control & no redress.
From:
Michael Foley
02 May 2021 21:55 PM
Nothing new about this I currently have same issue in Ealing. The root cause is the anti-Landlords regulators making us powerless to act or run our Business just keep quiet suffer in silence or get fined. As Tenants more or less ok & usually paid although some short falls which is understandable in this climate. However, they have just moved on, I knew they were leaving and gave them a Reference, they had told me they needed a bigger space and found a Place from a LL who had 80 properties. My Flat is one bedroom good size really, they had said they signed other Contract 17-4-21 but asked to have until end of month for time to move which I was ok with. They have now moved leaving piles of rubbish including stuff in the loft area they had use of. What is missing is a complete Fire Door, another oak door gone & substituted we folding flimsy doors, my Fridge. my washing machine, freezer, double bed etc, Obviously where ever they are gone its easy for that LL to have 80 properties when he is letting the bare property and they take my furniture & white goods to make it liveable. So let unfinished and far less hassle & responsibility, they won’t be contacting you to fix or replace those items which I do all t time 24 / 7. I will not be contacting the Police either I have enough stress already.
From:
Michael Foley
02 May 2021 20:43 PM
Can they not keep their nose out of anything, it’s not their property not their business. Should be nothing to do about allergies or whether LL wants to move back-in or not, what’s that got to do with anything. We didn’t need their advice before we bought, get any financial help from them why then are they the almighty powerful making rules for us demanding what ever they can dream up. Perhaps we should start making rules for other Businesses that’s nothing to do with us and dictate what they should be doing, its all rubbish go buy your own see how smart you are when the loan is your responsibility.
From:
Michael Foley
30 April 2021 12:08 PM
OK a surge in short term let’s and the Government trying to force us into long term let’s, are we being forced to loose out again. Neiche market is it ? Its the LL’s Property being hi-jacked by so called Rent 2 Rent merchants who rents the property from LL then have people coming & going at all times on short term let’s making a fortune, comply with nothing, at the end of the day the LL is responsible if all goes wrong.
From:
Michael Foley
30 April 2021 10:57 AM
We cannot sell to buy when your tax & costs are paid not enough to buy anything.
From:
Michael Foley
29 April 2021 10:02 AM
How many times have I said this, now Rightmove backs it up we data. I don’t need data I am in the front line.
From:
Michael Foley
28 April 2021 18:29 PM
I think we’ll all need oxygen at this rate, we are hardly allowed to breathe now.
From:
Michael Foley
28 April 2021 17:49 PM
Shelter £15m Government Grant to help make up £60m pot. It seems 45 in-House Solicitors 25 legal Advisers, 30 support staff to interfere & fight against LL evictions on Court, 21p in the £1 collected to raise further funds, what chance have we got, we are up against a massive legal team. They say they follow fund raising codes to be fair open honest & legal, so that’s what it must be then ?.
From:
Michael Foley
27 April 2021 17:19 PM
Don’t agree Mark, many of my rents are less than 8 years ago. I also know there’s a big disparity between rents in similar properties in the same areas or even the same roads as much as £600. pm, don’t know how to call this but it’s the way it is.
From:
Michael Foley
27 April 2021 09:21 AM
I thing its wonderful all those knocker groups continuously attack Private LL's while supply no Housing themselves its a bad joke. Private LL's House millions of Tenants in good quality affordable accommodation in the main, so how can they now turn around and accuse private LL's of locking they out ?. When they are in complain so not happy if not in complain that they are not in. The market decides the rent or the property sits vacant is that simple enough. London have a glut of housing but not to worry Build more & more, property is selling but not enough or not quick, some sitting there. Build to rent Flats many vacant can't shift despite all the help & push even with the destroy traditional LL policy who have houses with gardens, so those Flats are not required never mind keep Building more convert Industrial and Commercial as well, we now have a fake Mayoral election in London where each Candidate is going to Build more than the other, so we wont be voting no one worthy of a vote its ridiculous we can't have people with proper policy,s.
From:
Michael Foley
27 April 2021 08:21 AM
David I used to rent too at a time when if you do pay you were out. So do think someone handed me a house I had t get my own. David you certainly seem to move a lot, if you have rented seven houses and an issue with all, I would look closer to home, take a look in the mirror.
From:
Michael Foley
26 April 2021 14:17 PM
Shelter Charity Status 60 million income to house no one. I seen it reported at one stage but hard to verify, the extra money from tipping point will be welcome to continue to attack people who provide housing.
From:
Michael Foley
26 April 2021 14:04 PM
So the Tenants are in Charge if LL complained to Council about Tenants they won’t be taken to Court.
From:
Michael Foley
26 April 2021 08:54 AM
This is all interference by outsiders none of their business and confine so called Pilcher New Model 68 page Tenancy Agreement to the dust bin where it belongs like the previous 48 page one that wasn’t taken up either but want to force everything on us. Now Vets with a vested interest joining the bandwagon, they would charge you hundreds for minor pet things, what a surprise some get paid more than Doctors. Noah is in the wrong boat not a mention of the Owners Mental Health although stressed out & driven up the wall, under constant attack 24/7. People should get a life of their own & let us run out business properly, don’t be worrying about who paid for Boris Johnson’s wall paper either I think it’s great if someone did pay for it, it’s not his house it’s a Government Building. Here we are on Monday morning kicking off another week dealing with nonsense issues.
From:
Michael Foley
26 April 2021 08:14 AM
I know what Jim is saying but those are very recent changes made by Shelter and 2015 De-Regulation Act to under mine Section 21. We used to serve it at the beginning & not after 4 months then give 2 months notice. When it was served at the beginning the Tenant knew how long it was for, at the end of Term, if the Tenant & you where happy you simply signed another Contract, what was wrong with that? nothing . The Tenants were keen to sign up for further period and no problem. Of Course the busy bodies charged all that which meant the Tenants couldn’t care less and make all kind of excuses why they couldn’t be available to sign another Contract & LL going around like a headless chicken. Then they added property disrepair and fiddle with the Boiler excuse to frustrate the process, so Section 21 should be restored to what it was meant to be following the 1988 Act.
From:
Michael Foley
24 April 2021 16:16 PM
I know exactly how it was before we Campaigned to have it introduced, so now we are going back there again you’ll find out as well. It very true we seldom use Section 21, we don’t have to because it’s there, remove it and see what happens when the Tenant know you can do nothing about anything. I don’t know why so many jumped on the bandwagon to remove it when it was only used as a last resort. This is massive and the potential to cause deflation and a big crash. I haven’t seen so many LL’s wanting to sell since 2008.
From:
Michael Foley
24 April 2021 15:24 PM
Terry. No substitute for 1930 / 1940’s Freehold Terrace or Semi.. Cavity wall house, garden front & back to enjoy , your own front Door no £1300. / £1500, Service Charge or extra maintenance Charges & Ground Rent, no one making noise above or below, ideal for rearing a family no one continually complaining about something or Common areas etc, no comparison & you can still virtually buy them for the same price as those modern over priced Flats, this was a free lesson you can ignore and suffer....
From:
Michael Foley
23 April 2021 19:26 PM
This is an old story but Baroness Kennedy nearly got it right only she got her wires crossed, it other way around its pulling the rug from under the owners feet.
From:
Michael Foley
23 April 2021 14:22 PM
We don't need more support from government because we never had any, we just would like if they would stop damaging us.
From:
Michael Foley
23 April 2021 11:48 AM
Inflation sure to rise no other way for it to go. That’s a dodgy old ladder the first rung is ok, watch out the second one is broken..
From:
Michael Foley
23 April 2021 10:17 AM
Ed, you make a number of fair points for sure. However those schemes have driven up Flat prices a bit like Enterprise Zones we used to have, no good for Customers now just roping in young people into unaffordable Loans in the long term. It would be great to live in a Democracy if it wasn’t so corrupt, like City Hall we now have a Mayoral Election in London but no one to vote for which is clear after TV interview with 4 top Candidates last night all talking rubbish and any not worthy to hold Office where Billions of tax payers money is at stake. The Mayor’s Office is out of control no one is accountable for wasting money willy-nilly and backed up by Law, any opposition who don’t agree have no say because to over rule the Mayor they need a two thirds majority which is impossible, hardly Democracy ?.
From:
Michael Foley
23 April 2021 08:53 AM
The Government wants High Rise Flats home owners, (not house owners). Buy those from their friends the Big Developers which is why they have dreamt up those stupid unfair Schemes. It not true to say they don’t want Renters because they do as well but only to Rent the High Rise Flats from their friends the Big Institutions and Developers even Lloyds Bank is in on it, now taking over this market with the Government’s help to drive out traditional LL’s who have been housing millions for decades at no cost whatsoever to Government but Contribute Billions to the Economy & The Treasury.
From:
Michael Foley
23 April 2021 07:53 AM
No problem scrap your digital viewing go back to how it used to be, go and view the Property and you’ll have all the information you need, instead of nosing through scores of private property, just watched TV interview with 4 candidates for London Mayor, waste of time I won’t be voting again this time putting any of them in charge of £17b it’s a disgrace just close down City Hall.
From:
Michael Foley
22 April 2021 18:53 PM
Squirrels are a serious problem when they get into your loft, it’s amazing how good they climb especially it you got ivy, then chew your Electric Cables. The other ones that’s a cursed nuisance is 🦇 are a protected species and probably give you the virus.
From:
Michael Foley
22 April 2021 17:07 PM
Janet, that the best advice if I were to give advice and I do not. I am a LL foe 43 years and so sorry for ever being a LL what for ? to be blaguarded , Bullied, run around after everyone , fix everything, Comply with mountains of new rules, be treated under Criminal Law instead of Civil Law, be at total risk, Council used never have anything to do with Private Housing really but had any power they needed as far back as 1992 but destroyed Public Sector Housing then no more damage could be done there. Then Government moved over one week end & took complete control of all Private Let Sector Housing and we weren't even told not alone asked, it must be what they call Democracy. I wouldn't get involved in bitcoin either I always earned my living, so what difference is being a LL to me pay tens of thousands every year, then they are waiting at the Cemetery Gate for the rest, unless you jump through a load of hoops & give 4% to a Rogue Charity to grant you 10% discount off your tax Bill the last time I inquired. Councils are supposed to servants of the Public not there to destroy us.
From:
Michael Foley
22 April 2021 14:46 PM
I know pens & computers are hard work to comply with invented rules. I know physical work to maintain and up grade the Property is real work. I am not knocking Agents unless they are dictating to us how everything should be, it’s our property.
From:
Michael Foley
22 April 2021 11:48 AM
Another Digital Academic out of Uni, talking rubbish. So give us Back control of our properties not excluding us from the Property. How can we know if there’s rats or not if we are too scared of the Tenants running to the Council to give us a Big fine and the Rogues Council’s love it. The fact is we have been given of Compliance with no power to carry out what is required. Please tell me what Authority they left us to run our Business, when a problem arises the owner soon finds out. Yes you’ll know all about professionalism with your pin stripe suites, you are not LL’s, just doing what poorly paid Office girls used to do but pay yourselves £60k / £80k pa on the back of LL’s.
From:
Michael Foley
22 April 2021 09:53 AM
Leics, with greatest respect to all. There seems to be a misunderstanding here it must be £500 pm, per rented property not per Tenant. I don’t have any Tenant paying that kind of money in expensive London where property prices are triple to buy, strangled with Council Regulations and other London costs, yet so many rent arrears for me, no point in me talking about yields. This is just a general comment not being specific to anyone and we need to avoid being personal, all LL’s are now considered Criminals since Law changed, I am awake at this hour I suspect my Tenants are likely to be fast asleep.
From:
Michael Foley
22 April 2021 02:44 AM
It is the truth I bought an ex-Council house about 20 years ago on open market for £204k when I received all the paper work I seen the previous owner & former Council Tenant had bought the house at a huge Discount as right to buy for £22’500. So he made a big profit at public expense.
From:
Michael Foley
21 April 2021 19:59 PM
Totally disagree David, there is a glut of Housing not a shortage, take no notice of Media hype no foundation to their stories, look around you and see with your own eyes?. There is a big long waiting lists granted and it makes no difference how long this is because they want subsidies housing far better than paying the full whack and let the tax payer pick up the tab. We now have a Mayoral Election looming in L’don, yet there’s no one to vote for. The current one a waste of time, another one wants to Build 50’000 homes in a year even though not required, at the same time he already owns a Development Site ready to go to feather his own nest no need to say more. Another candidate says he will Build 100’000 homes not required. David my friend what makes you think LL’s & Tenants hate each other, couldn’t be further from the truth we get on so well together, and LL’s do everything possible to help them, amazing really with so many vicious spiteful organisations do their utmost to drive a wedge between us.
From:
Michael Foley
21 April 2021 12:12 PM
Shelter with Charity Status who houses no one, doing their best to destroy private LL's who house millions of people. Then I see a small red box (only fit to hold a few letters really) at B&Q with a few miserable scraps of wanted unwanted wood & laminate pieces that's no use to anyone (it would cost them money to get rid of them) with a sign telling us to help ourselves in return for a Donation to Shelter that hates us. Then our LL Associations that we subscribe to informing us they have negotiated a discount for us to use B&Q imagine that ?. Then ITV see's fit to give air time to one of Shelters Barristers to have another dig at private LL's. I think Mr Robert Rinder should stick to his fictional Court Cases.
From:
Michael Foley
21 April 2021 09:27 AM
Pick My Pad you are on a good screw aren't you the fees on 400 Tenant on Benefit, you have carved out a lucrative business for yourselves at the tax payers expense, are you not ashamed. Then add the 400 Benefit milkers who now think its too much hassle for them to apply for money they are getting for nothing, no hope then of them making the effort of filling out a job application that would be far too onerous, why bother you'll all be kept on the back of the tax payer. I just don't know why people go to work when Benefit Claimants are held in a much higher regard. Mish Liyanage now have the cheek to tell us to Educate ourselves to learn the crap they invent to sponge off the State. The Benefit System is supposed to be a safety net as a last resort not the the first port of call, we were LL's long before his company existed now he likes to dictate to us what to do.
From:
Michael Foley
19 April 2021 17:32 PM
Lucky we have 1988 then, or there would be no private LL’s. What would Council’s do with no Cash Cow, they might actually have to earn their living which is not possible for them, so now they are involved in espionage.
From:
Michael Foley
18 April 2021 11:24 AM
I think it’s a huge amount so every £1k you pay Agent attracts another £200. Tax, it soon adds up that could be on just a one bed Flat in Harrow that cost you £1200. pa, if you pay the c/tax it’s £1744. pa Band ‘C’)to add to this (if Tenant pay it you have to let for less rent) now add your £1300. License Fee + £300. pa other annual Certs add £1300. pa Service Charge if you supply white goods & furniture + £’s, possible EPC’s up grades. Accountant £180. pp. any vacant period down to you of Course to work is free. Boiler service & breakdowns. Debacle Deposit Schemes. Oh! sorry I nearly forgot did you inherit the Flat or do you pay the lender are they free ? Can you convey this to Shelter & Generation Rent etc, who believes there is no cost to LL & not entitled to receive Rent.
From:
Michael Foley
17 April 2021 19:45 PM
It seems there is no way of avoiding Licensing for regular LL’s, if you have let to 3 people regardless of how my story to persons not related / 2 or more house holds one of the 3 schemes is going the get you sorry to say. Family’s in anyway vaguely connected you don’t need a License to rent to them even if it’s 10 persons for instance, many on housing benefits nothing applies really, it seems their friends & relatives made their own rules for them especially as they control the Civic Centres & Government Departments. Maybe someone can give a better explanation ? don’t think so......
From:
Michael Foley
16 April 2021 16:20 PM
It might be a belated shock to Salford City LL’s but I am in Shock since it was introduced in 2006 following the rubbish Mayhew Report from the centre of housing policy studies from York, so they had 15 years of grace lucky them, there was no one fighting our corner when they weren’t affected . I can’t agree unfortunately about the cost being passed on to the Tenant, it just didn’t happen we have taken a big hit, can’t charge the Customer extra who can’t afford it. I know some cherry picker LL did but not all Tenants on big money. I am paying £1300. HMO Application fee but that the tip of the iceberg as you will find out. It doesn’t get rid of Rogue LL’s they are exempt don’t need a License, housing families or taking family’s from Council keeping Council happy by taking them off their hands, so they are not a targeted like us (blind eye), have a nice day.
From:
Michael Foley
16 April 2021 12:42 PM
I suppose a few hens would be ok. eggs for breakfast. The Cockerel would save you setting the alarm clock
From:
Michael Foley
15 April 2021 21:27 PM
Who could believe an Insurance Company they change policy terms & conditions add exclusions all the time in the small print take it or leave it. All collude with each other and pass your information around no one else that I know is allowed to do this. It must be all acceptable to the Ombudsman.
From:
Michael Foley
15 April 2021 15:30 PM
Tenants move when ever they want, they have full power to move and LL has no say, is that fair?. They can stay as long as they like even though its not their property but they do move when it suites them or sometime when they have built up arrears, if they never move Estate Letting Agents may as well close down.
From:
Michael Foley
15 April 2021 14:52 PM
Some do a good job others are a disaster. The problem I had was it was already done with anti-mould paint cost £12 per litre to buy, they didn’t tell me they wanted the colour changed but went & bought a 10 little bucket type for £20. / just £2.per litre, so my anti- mould paint wasted, if they are fro Eastern Europe the colour will always be grey. A cold colour to my mind, for them it’s perfect, in any case on the scale of things it’s hardly relevant with so many real issues going on, it would be great if all we had to worry about was a coat of paint..
From:
Michael Foley
15 April 2021 13:21 PM
I can't believe what I am reading, they want to stop LL's making Tenants Homeless ?, we seem to be the very ones Housing the Homeless or putting a roof over millions of Tenants Heads, so they want to stop us Providing Homes for them, wonderful see if I care. So many LL's selling up figures don't show it yet, I see 6 Sale boards for Houses for sale in just 2 adjacent Roads in outer London previously Landlord Houses, what used to be ideal letting houses near station (£550k to £650k price range), not surprising too many rules, Licensing Schemes, Thumped up Penalties, Fire Doors, Interlinked Fire Alarms, Emergency Lighting, DEICR, EPC up grading, Section 24 taxed on a debt, Section 21 taking forever to remove free loaders & now taking S'21 away altogether, How to Rent, Right to Rent, ICO's, Must keep Pets etc...now is your chance please come and buy them "Momentum Group" pay your Mortgage for next 25 / 35 years and all other costs. Then you can moan to the Lender, Who is not going to have your stupid nonsense, so get on with it.
From:
Michael Foley
14 April 2021 13:46 PM
A bit like my car for ELEZ London it’s will not be Compliant in October, which has a Euro 5c engine. However, it produces less harmful emissions than Euro 6e engines which are Compliant but I will have to pay the daily Charge and they won’t.
From:
Michael Foley
13 April 2021 14:55 PM
This is a different market and Benefit Tenants are not part of the equation. The Tenant will have a very highly paid job, other income or already wealthy. The Landlord can take a bigger than 5 weeks Deposit as it’s over £50k per annum.
From:
Michael Foley
13 April 2021 11:34 AM
Very nice Property in Oxfordshire with plenty of outside space to exercise and accommodation pets, not like Flats sometimes with no outside space in high density areas in Towns & City's.
From:
Michael Foley
13 April 2021 10:46 AM
It is the costs another monthly out going to add to his debts. Also many improvements very difficult to achieve when occupants are in situ. I don’t like gift rapping my property on the outside, cladding over my beautiful timeless yellow stock Bricks.
From:
Michael Foley
13 April 2021 10:24 AM
So if they want affordable rent it’s very easy to achieve, just reverse the cause. Scrap The John Prescott 2004 Act that doubled the cost to supply rental and on going. Mr Sadiq Khan if he needs something to cap he can cap & reverse the unfair Council Tax hike this year that he is a big beneficiary of for him to waste, (in Brent this year 5.9% increase).
From:
Michael Foley
13 April 2021 09:34 AM
They are not bothered about energy efficiency it’s only carving out a another lucrative money spinner for themselves. I had a bad experience with The Mortgage Works (ruthless) subsidiary of Nation Wide who gives support to Shelter.
From:
Michael Foley
13 April 2021 09:04 AM
LL’s out in the Shires take note you have had a long warning you can’t be immune and I would love to be wrong. Government currently building their way out of a hole to keep the economy going with Multi story Blocks of Flats whether required or not and concentration on nothing else, incl’ making existing Industrial & Commercial Units Residential. Any ideas where employment is going to come from when all this Building works stops ?, if the work was much slower & spread over many years it would be more sustainable but you simply can’t have an economy based on Housing alone.
From:
Michael Foley
10 April 2021 13:11 PM
The thinking that rents will rocket is wishful thinking. We can’t even get what we are owed and with many arrears, where is the money going to come from with huge job losses, if you want to include London in the equation take in account Property Purchase price is at least triple, so £ for £ investors in other parts of UK are far better off and not hounded from morning till night.
From:
Michael Foley
09 April 2021 17:46 PM
So they decide that every household should have a Gas Safety Certificate. This is after they decided we shouldn’t have Gas and switch to alternative sources.
From:
Michael Foley
09 April 2021 17:30 PM
English LL, are you taken in as well with Media hype. No shortage of housing in London so he proposes to Build another 50k homes by end of 2021 has he got his trowel ready he must be a great man. There is a glut of Housing in London so your answer is Built more. I won’t be voting for anyone as crazy as that. Sadiq is going to walk it with this nonsense going around. There is No opposition Shaun Bailey too far behind, now you are proposing to take even more votes from him by promoting another lame duck splitting the vote even more, too many Candidates / no hopers and each vote for any of those puts Khan further ahead.
From:
Michael Foley
09 April 2021 16:26 PM
Andrew regarding access to read gas meter, if it’s a HMO you have the right to access the common parts. Which would give access to the gas meter if located internally.
From:
Michael Foley
09 April 2021 11:37 AM
Going off on a of a tangent Robert, the Council tax is so unfair. My wife & I pay full c/tax on our own, (£50 per week). Others on same road some with at least 8 adult occupants only pay the same, is that fair?. Many of those are getting State help money while we never drew a penny in our lives but always pay thousands in taxes, (20 million draw Benefit of some kind). The Poll tax would have been fair but the one’s contribute least wouldn’t pay but protest. There is bed room tax in many HMO’s, Sometimes Council require extra facilities like cooking & washing which may be better for Tenant but if behind a closed door the Valuation Dept’ comes & stick a c/tax band on it, (possibly £1100.00 pa) making the room too expensive and still charge you full C/tax on rest of the property. This is not a proper or fair tax in fact it couldn’t be more unfair, just add further insult this year increased by 5.9%, hundreds of this goes to the Mayor who despised us.
From:
Michael Foley
09 April 2021 01:49 AM
I believed every LL will have already tried to get a settlement with the Tenants. Involving a third party can oly be to see how much they can knock the LL even further, certainly the Tenant is not going to be obliged to pay more, just more cost & time wasting like the interference with Deposit Schemes making Deposits not worth having only a bigger liability than no Deposits to put money in third party Bank Accounts
From:
Michael Foley
08 April 2021 14:46 PM
Yes LL’s should heed warnings if given a real chance but not like the one we read about last week, when Council served improvement notice on LL to fix fire Alarms then came back 2 days later to serve prohibition notice making sure he didn’t have the opportunity to get it done. The Tenants got what they wanted / re-housed by Council as a thank you for keeping the place in a mess. Fines don’t improve property just makes owners hate Authorities even more, if the powers that be knew anything about business or getting the best out of people it’s not by knocking them, try encouragement instead of penalty.
From:
Michael Foley
08 April 2021 14:08 PM
All my Rents are lower than they were and I was never getting top dollar anyway, so why keep on about Rent rises can they limit the falls while adding costs all the time.
From:
Michael Foley
08 April 2021 09:54 AM
Well they say LL’s may sell up that is the 17 strong Agency but this is exactly what the Government wants, plain enough to see after all they have done to Bankrupt us. Another big pay day for them when we sell and the Big Boys waiting in the wings ready to take over with their Multi-Storey Blocks of Flats already Built that they can’t sell.
From:
Michael Foley
08 April 2021 08:36 AM
Madeleine, what a blog or novel even well delivered the heart wrenching honestly of this person. I am so sorry for your plight and the situation you find yourself in through no fault of your own. There is not many things worse that loosing your job that your whole life revolves around least of all at those difficult times. Take some comfort from being a renter and not lumbered with a big Mortgage around your neck especially with the uncertain job market, we don’t know what the future holds, not looking good to me but wish you well and hope things take a turn for the better soon.
From:
Michael Foley
08 April 2021 04:42 AM
We are too scared to tell the truth those days.
From:
Michael Foley
07 April 2021 17:18 PM
Decorating is a sore issue if you have the whole place done before they move in. They will take it first then after they move in, will want to Change the colour especially if from Eastern Europe, they will paint the Town Grey inside & out but I’ll forgive them for that otherwise they are a good culture & great Tenants. I still content there are loads too many Flats in London and wished LL would stop been taking-in by Media Hype.
From:
Michael Foley
07 April 2021 16:35 PM
The Lenders are a wash with cheap money and can make a killing on the back of this. Its not that they are worried about Homing first time buyers, its more about finding a Home for 10 Billion £'s in 2021.
From:
Michael Foley
07 April 2021 13:33 PM
Gosh and I thought we had tough penalties already anytime Council wants extra few Bob fine the LL 10/ 20/40 or 80k. We have De-Regulations Act, Licensing Schemes, Deposit Schemes, Banning Orders. Confiscation Orders. Rent Re-Payment Orders, Criminalisation Act, Section 21 undermined & nobbled going, Dogs coming. My goodness and now they are talking about getting tough with us. So what do you call what they have being doing.
From:
Michael Foley
07 April 2021 11:58 AM
Robert add they don’t need Licensing huge cost for LL to rent out to them, also excluded. Why does he say Deposits gone up £11k in a year does he think the public are morans, is it not him & lenders like the Halifax that has done this, or is he complaining about himself.
From:
Michael Foley
07 April 2021 09:47 AM
They Authorities lumbered huge costs on renting the root cause of high rent. Then have the cheek to talk about unaffordable rent. Remove the C/tax portion from Mayor. Remove Licensing Schemes that’s costing a fortune funded solely by LL & Tenant if Council wants those schemes then they should pay for them. The LL has to pay for huge material & Labour costs associated with those Schemes without paying £1300. Council Application fee + all the Certificates he is required to have, don’t ever think 5 years is a long time because it’s not. I have redone all at least twice some 3 times & one will be fourth time (2006/11/16 &21), while some LL were never required to do any, what a burden jut add arrears. Go on then put a Fools Cap on it.
From:
Michael Foley
07 April 2021 09:14 AM
I have had some Tenants with pets un-officially, I had some experiences, a grey area which leaves LL with some control. However, make it Official leaving LL powerless to act & no control left and we seen how that works regarding other matters. I think you might well have more space and a chance for dog to exercise In Norfolk than London, in any case the interference should stop.
From:
Michael Foley
07 April 2021 08:34 AM
Sadiq Khan Mr Mayor seems to me to take hundreds of pounds from each C/tax property pa, looks like 1/5th to me, whether it’s the LL paying or the Tenant it’s a huge cost putting pressure on Renting. Mayor election next month you have your chance & he is only in Office by default for last year as Election wasn’t held because of Corona.
From:
Michael Foley
07 April 2021 08:06 AM
Hi Terry yes Tenancy Agreements are Confidential between the Tenants, the Authorities and you.
From:
Michael Foley
05 April 2021 21:35 PM
It seems the Councils are in Competition for Record fines, this one £48k a Record for this Council. I seem to remember a one in January a Record for Reading Council £66k.
From:
Michael Foley
02 April 2021 15:26 PM
So they can afford the Rent now they can afford to keep Pets and Pet Insurance. No problem for Mr Rosindell M.P. as all MP’s are on minimum £80k plus pa and the problems he creates are not his
From:
Michael Foley
01 April 2021 17:57 PM
Hi Fery’s my friend you are a LL 1989 so you joined in the frey like all the others after the 1988 Act / Section 21. That I and hand full of others campaigned for 10 years prior. I say a handful because there was not many of us, relentlessly lobbying our M P’s & Ministers. Following the 1988 Act you were all eager to jump in when the hard work was done & Section 21 handed to you on a plate or none of you would be LL’s, now its going to be taken away you do nothing but sit on your hindquarters and talk because you don’t know the difference as you weren’t there before so you don’t appreciate what we went through prior to 1988, M Foley LL since 1978.
From:
Michael Foley
01 April 2021 15:38 PM
Thank you Sir. I can’t help thinking who the Cowboys are.
From:
Michael Foley
01 April 2021 12:48 PM
Sorry I don't agree with this completely at all probably another miscarriage of justice ? if we have any Justice anymore from what I seen with the traffic money boxes in London. I think the Tenants are as much to blame as the LL' here, the fine should be halved and the Tenants fined the other £24k. The Council says they made Regular inspections, the Article gives the impression it was like years when in fact it was over a 4 month period so why not simply say how many visits they made, economic truth. OK LL should have Supplied them with a Tenancy agreement. Should have had Gas Certificate. Should have had working Fire Detection system, However they didn't say if it had been interfered with. Obstruction of Fire Escape that will be the Tenants clutter. Broken Bannister who broke it did LL come in & break it. About the lighting on the Stairs was it natural light or artificial if so who paid for leci, trip hazard might be stair Carpet coming loose from misuse (assumed). Provide clean a home were the Tenants reared ? we don't run a Nursery. Woefully Hygiene conditions, they were living like pigs so say its LL's fault & Council backs them up. We are being fed half a story again by the beneficiaries of Court Proceedings. Final comment the same for all local Authorities through out the Land, sending a clear message to all LL's ? we'll never be classed as anything else other than Rogues LL's. How is LL supposed to carry out improvements when it full of filthy people & their clutter ?.
From:
Michael Foley
01 April 2021 10:56 AM
Yes only us picked on for everything, it doesn’t apply to other half of the Community. London getting closed down people moving out because of it, 20 mph, Camera extortion racket, wooden boxes placed in the road with 4m gap in middle for you to pass through, doesn’t say no entry. I stopped & looked first & concluded it was ok to pass but no £130. fine, thank you & me going there 50 years. I understand this Camera alone has taken £60k in just weeks its entrapment. Regarding emissions they are making it worse in L’don a ring of Pollution around London’s North Circular Road. The Economy is getting destroyed by people that do know. My Mom’ rip god bless her even told me 60 years ago that I couldn’t live on Fresh Air.
From:
Michael Foley
30 March 2021 10:11 AM
Although for me to ask Tenants why they haven’t paid is pointless. I have so much arrears, it’s primarily because they haven’t got it or don’t want to pay when they know my hands are tied
From:
Michael Foley
30 March 2021 07:44 AM
CAB say 500’000 Tenant in arrears which is a high figure, they forgot to tell us how many private LL’s this equates to but say 150’000 Private LL’s are left rent short apparently which are the only ones affected really, the Tenants are protected, the Bank’s are protected so the only one to loose is the private LL who carries all the risk & that no one gives a Sugar about.
From:
Michael Foley
29 March 2021 17:43 PM
Citizens Advice didn’t say how many private LL’s they helped out of all those thousands so looks like nil, are we not Citizens. There are many Sophie’s scenarios no mention of the Child’s Father and what’s contribution he makes if any or did his responsibility end after having sex and become tax payers problem like millions of others then complain to Council & CAB why they can’t have everything. The CAB Charity helped 16’530 people well done just wondered how they done that or was it with the mouth, oh that was easy try the real World. Tenants worried about Evictions and LL’s worried to and for both because of arrears for most part caused by Gov’ interference telling them they can be evicted so can’t be put out so if you don’t pay it’s fine, this is one of the main causes of arrears, suits Gov’ part of plan to destroy us for Big Boys to take over. I am sceptical about the usual story about Heating & Hot water problem, easy to interfere with modern Boilers now common excuse for Tenants in Court cases, this is old chestnut .
From:
Michael Foley
29 March 2021 10:39 AM
Shoot the messenger .
From:
Michael Foley
28 March 2021 16:39 PM
Acid Managers indeed maybe Acid strippers more like. I wouldn’t say low risk Investment at all, anyone with significant borrowings are up against it for sure. Then we have all the Regulatory Requirements even the Additional Licensing Scheme in Harrow if it applies to you Application Fee alone is £1310.00 could be small Flat c/tax £1680. For my one bed Flat. All the up dating possibly for EPC’s, E,C,I,R not including other material changes & labour costs nothing left on the bone. Big Property price drop to come inevitable, millions of jobs gone not coming back, thousands of Businesses closed for ever, millions on Benefits, Building thousands of high rise Flats clearly not required, a million Tenants gone back to their home land. Where are the taxes going to come from ? we were the last resort, now getting to the bottom of the barrel with us too. Come on now no magic money trees we are all adults.
From:
Michael Foley
28 March 2021 12:31 PM
We have a new maintenance system if Boiler breaks down, you need a new Boiler mate, maybe just as well they don’t know by to fix and know a new one will work. I had a house ‘D’ EPC & advice to do cavity Walls, new condensing boiler, thermostatic valves all low energy bulbs, double glazing, increase loft Insulation, done all that a different assessor comes tells me he will emailing it to me and did, guess what another’D’.
From:
Michael Foley
27 March 2021 10:25 AM
No Heating or Hot water this may simply mean the Boiled is broken down if he had one. No working Toilet does this mean they Blocked the Toilet. There was 2 separate Family’s involved on 2 different occasions both would appear to be re-housed by Council. This trick is working well the Families & the Council both Benefit from it. The Tenants get re-housed & Council gets the easy money. It cost LL £7.5k excl’ any of his costs, not condoning the LL actions or condition of his property because I don’t know. LL pleaded guilty this is the Noam if he didn’t want the fine doubled normal. What happens to the money ?, other cases Council gets 37.5%, Court gets 12.5%, Gov’ gets 50%, any more questions. are the Convictions safe, is there a vested interest here in these types of cases ?.
From:
Michael Foley
27 March 2021 02:32 AM
This Big issue guy don't know what he is talking about, Private LL'a are nearly always cheaper that Corporate Companies usually with Blocks of Flats and they get discounts for many things when they have a number of Flats incl' HM0's if indeed required. I see in Harrow in recent years a Company with such a Block charging £1700. pm for 2 Bed flats originally designed to be offices with big glass windows, you can see them in bed as you drive by, you might have heard of beds in sheds but not of Beds in Windows. Many 2 Bed Flats in the area are let by Private LL's for £1150. to £1350 pm. We do always fix / replace Boilers and locks straight away at our own cost this allegation is not true. I agree with Big issue the Big Companies have more money / better resourced have all the tax advantages and Government hand outs, hence they want 3 year leases they won't have any short falls Government will look after them. I don't buy Big issue anymore its only rubbish and sellers standing outside Tube Stations in Winter in freezing cold just to given half the money to the fat proprietors. Now we can add Big issue, to the list getting longer every day & also might as well add ITV News if you have seen it lately.
From:
Michael Foley
26 March 2021 09:45 AM
Dear Daddy how right you are an expensive con. I have a other Boiler broken down it won’t be 3 years until July. Engineer came done his checks & it’s the fan common problem with this model they say. Fan is a special and comes as a unit £400. Plus Engineer Bill it’s not worth that and I have no confidence left in it now, so it’s for high jump more scrap I thought we were trying to save the Planet, anyway no worries for Gov’ another £200. Vat.
From:
Michael Foley
25 March 2021 14:32 PM
I have 5 ‘C’ rest are all ‘D’ except one is an ‘E’ but for some reason other similar houses in the road have ‘D’ are we not suffering enough trying to keep the show on the road without every outsider lining up to have a pot at us with no input or cost whatsoever themselves. Good day
From:
Michael Foley
25 March 2021 08:37 AM
I have thrown one Potterton / Baxi heat only 5 years, although most are Vaillant among the most expensive but that’s only part of the story repeated call outs, now this morning messages 2 more with problems, it’s LL’s nightmare never ever used to be like this, this is not efficiently or economic.
From:
Michael Foley
25 March 2021 08:20 AM
New Boilers disaster, so expensive, so unreliable, spares cost a fortune, Gas Engineers don’t work cheap, Technology worst thing ever happened , old Boilers hardly ever Broke down, fleets of Service Vans on the road trying to keep them going and make more traffic & pollution. We didn’t have all those over the Regulations or Digital Academics without Technology they are just inventing soft living for themselves, even the Census was a farce have the population weren’t able to do it or put down anything to go shut of it. Keep on you will crash everything go sure.
From:
Michael Foley
24 March 2021 22:17 PM
Probably not having contents insured for LL or Tenant unless you are that claims culture. I used have on my own house some years back but when I did have cause to claim a couple of times, the forms were so onerous they went in the bin & claims never made, pointless did I not have enough stress already.
From:
Michael Foley
23 March 2021 17:40 PM
What do the Regulators expect when they are the sole cause of the problem. They have excluded the LL from the Property making sure he cannot know what’s going on. Then fine the LL’s for breaches of Management Regulations that they made sure of to leave him with no instrument to effectively deal with any issues. This used never ever happen before their interference, congratulations.
From:
Michael Foley
23 March 2021 11:35 AM
I think they could be long leaseholders say 999 years that would also mean no ground rent. I suppose you can’t only have one Freeholder for Block of Flats, I extended one cost £14k for nothing really, service charge is bad enough. I think you on Andrew is unnecessary when we are presented with documents to sign always terms and conditions, no choice really either sign or not or you can’t proceed & walk away.
From:
Michael Foley
22 March 2021 16:13 PM
In Brent I see Council saying they are fully committed to levelling up. What they seem to mean is making the poor richer but they are richer already in Brent. Free housing, Benefits, Schools, Uniforms, School meals even at home, Children Allowance etc. That’s why 25’000 working age persons unemployed in Brent more joining every day. The others over age milking it as well for sure. So levelling up must mean screw the working tax payer more to give to them. We have a Labour MP re-elected 7 times how can he or Labour Party miss guaranteed 25k votes immediately, the problem now is there are too many unemployed voters. Levelling up, no one will want to do anything.
From:
Michael Foley
22 March 2021 12:41 PM
There is no excuse for not having the annual Gas Checks / Certificates etc. HMO’s didn’t improve much only the Councils Bank Balance. We could have been required to do all those things without a licensing Scheme, it’s just eating up the money that would otherwise be spent on improvements. I have to find another £12k this year to re-do this ponzi scheme. Perhaps this LL should have some East European Tenants that knows how to live, have pride in their home and keep the place spotless, probably decorate for free, most are a breath of fresh air.
From:
Michael Foley
22 March 2021 10:04 AM
Council going for more free gold, they have no intentions of earning their living.
From:
Michael Foley
22 March 2021 09:40 AM
Another week starting off another dig at LL's. Another Tenant Champion to add to Acorn, Generation Rent, Citizens advice & Shelter etc, (where's ours). Neighbors complain when it happens, they have to when Music & parties, shouting going on. The bit I don't like is when they keep making phone calls in the middle of the night making all sorts of allegations leaving messages but withhold their Name & Number. Council out in the night recording the noise, Police attending a number of times blame the LL his fault ? (no authority no control). What about all our Stress or Post Traumatic no mention he is oblivious to that I suppose we are not Human. The LL's are much more Authoritarian, extraordinary increase to control the terms under which people live ?. What Authority would that be ? we have completely no control by law having all LL's rights taken away, we can't even go there without their permission. So one particular Tenant has some medical issues unfortunately hardly any relevance to the industry over all.
From:
Michael Foley
22 March 2021 08:41 AM
I remember this from a TV program some years back. The case against dogs frightening.
From:
Michael Foley
20 March 2021 07:50 AM
Still can’t understand why they won’t allow us to do it, if you sell one and buy one the same value there is no gain and if you sold a more expensive property to buy a cheaper one then they could charge you c/gains on the difference as there would be a gain, what would be wrong with that ? Instead of stuck there no go for anyone.
From:
Michael Foley
19 March 2021 20:46 PM
Sorry about typo I’m up a ladder
From:
Michael Foley
19 March 2021 10:28 AM
Just leave it between LL and the Tenant to we out and stop all this interference.
From:
Michael Foley
19 March 2021 10:26 AM
Common sense unfortunately is not very common. James has a good point they probably won’t have to disclose, like currently when a Tenant applies for Benefit there is a Box to tic if you don’t want your LL to know that you are on Benefit, economical with the truth, withholding information & lies.
From:
Michael Foley
19 March 2021 10:11 AM
Add HMO’s this is a massive cost I am re-doing again, 7 falling due again for renewal this year, all licensed twice before at least some 3 times & one will be 4th time, only applies to halve the Renter LL’s ????, anyway c/gains tax examples are rubbish it will be hundreds of Thousands of £’s
From:
Michael Foley
19 March 2021 08:39 AM
Unbelievable Christopher Pincher thinking this way he don’t have to suffer the consequences the LL has to deal with. HM0’s in particular some individuals maybe 6 renting rooms in the house, there is more than enough conflict between them already. I have lost many Tenants this way when they fall out. Why make the problems worse, they are not all going to want pets another reason for a fight and are they going to keep the dog/ pets in their Rented Bedroom only....
From:
Michael Foley
19 March 2021 07:49 AM
John, I believe its the case as well I won't pretend to know about taxation but I done it some years back same scenario I had to pay the c/gains tax. I had a property a bit too far away as circumstances changed, roads got blocked off, making it difficult to run and manage etc. When you buy a property you are stuck with for ever. I simply wanted to sell that one buy similar price Property nearer to home, not possible financial viable because they take a big lump out of it creating a short fall for you on the new purchase that takes years to recover from. I never understood this, it stalls the market completely if it were allowed it would create Business for everyone, Estate Agents, Conveyancing, Solicitors, Land Registry, Stamp Duty for Government on both transactions for all, its costing you enough anyway to do the move without C/gains, so that's how silly the rules are they prefer to keep you stuck there glued to the ground and no Business for anyone, be very careful where you buy you'll be stuck with it.
From:
Michael Foley
18 March 2021 20:57 PM
Its amazing the Government moaning about paying Private LL £9 Billion pa, that figure is old and probably more anyway it a huge amount. As previously said by Richard Lambert the then CEO of NLA that the money is not a Subsidy for Private LL's but support for Benefit Tenants, that's clear enough the money is not spent for the LL's but for the Benefit of the Tenant, its not as if they are giving the LL the money for nothing, yet when the LL lets to working Tenants they complain like mad about discrimination, I don't know what gives them the right to think they should have priority.
From:
Michael Foley
18 March 2021 16:21 PM
Now James you hit the nail on the head for sure. Any Breach that involves the Tenant is a Civil Matter. Anything that involves the Landlord is Criminal Law Matter. We are all equal before the Law, not. Did you see any Kangaroo’s lately.
From:
Michael Foley
18 March 2021 13:09 PM
It seems I was only born to pay taxes, this tax planning is the bit I missed. I am envious of you but pleased for you at the same time, never understood why tax can’t be straight forward without jumping through hoops. We need to have an open mind about it as Gov’ have a nasty habit of moving the goal posts.
From:
Michael Foley
17 March 2021 23:13 PM
Its Simplification of tax Scheme for goodness sake, do you not understand if very simple they take all.
From:
Michael Foley
17 March 2021 10:46 AM
Very Little left unfortunately I am afraid. I know we'll all be Dead but we won't know that we are Dead, so what's all the hard work for ? we could be Retired and not care about anything but we do care. Looks like the people costing tax payer, £9 Billion in Housing Benefit got it right, the tip of the ice berg they are Kept, Fed, Clothed-ed, School Fees, Vouchers for food at home when not at school, Children Allowances, Nursery fees etc, and loved by Government. We are hated, despised, Criminalized & robbed, something big is going to happen this situation cannot continue to work indefinitely.
From:
Michael Foley
17 March 2021 10:21 AM
The Lettings Agents are now telling Landlords what to do. I thought we used to employ them.
From:
Michael Foley
17 March 2021 09:53 AM
£24'000.00 figure is a bad joke how many zero's are missing here, this is not research its clueless I am sorry to say. Hundreds of thousands and millions of Pounds are the true figures of this tax. Andrew dearest sooner or later you'll need to pass on all your tax paid lifetimes hard work to the family you reared, guess what it is likely they will take 40% / 45% Capital gains tax first, then take another 40% Inheritance Tax on the balance (remnants or Grave Yard Tax) at the Cemetery Gate.
From:
Michael Foley
17 March 2021 09:45 AM
It seems we have anarchy already it’s ridiculous, when Police tell you to move on you move on, not confront , kick off and cause a seen with your own agenda to get on TV. Then call for Commissioner to resign as if it was her fault, some people think they can do what they like.
From:
Michael Foley
17 March 2021 08:20 AM
Sorry I will leave that to you, I am not in that Circus, I am in the letting Circus.
From:
Michael Foley
16 March 2021 17:41 PM
Tenants are very good at it 12 months free.
From:
Michael Foley
16 March 2021 17:22 PM
Sorry there’s no shortage of housing, a glut in some areas, stop building high rise Flats. There’s just a shortage of people who want to pay. Social housing means free, why buy a cow when the milk is free.
From:
Michael Foley
16 March 2021 07:47 AM
Algarave, not saying the LL is always right, not saying the Tenants always right, not saying the Court is always right it just they have the power to do anything they like with you. The LL was powerless to act with regard to Anti-Social behavior or anything else, please tell me what he could have done he reported it to Council several times, Council could have taken action against the Tenants who were causing the problem never do. Regarding the Courts I don't know why you bother to mention that every LL that goes there has to plead guilty you must know that its well documented, or you can plead not guilty and the fine or sentence doubles immediately. All LL's rights have been removed so now prosecute his for not doing what he is not allowed to do.
From:
Michael Foley
15 March 2021 14:39 PM
I agree or the Court should throw out and fine the Tenants for anti-social behavior, also fined and prosecuted the Council for not doing their job when this was reported many times.
From:
Michael Foley
15 March 2021 11:44 AM
Yes Andy its clear Government wants less private LL and its happening big time by force, now far less private LL dropping rapidly. However this don't mean less rental property available this hasn't fallen just gobbled up by money rich big Companies & Portfolio LL with so many Regulatory and Taxation advantages, plus all the new built ones coming on line for Rental, (so less means more). London Councils must have a death wish with so many Treasonable Policy's to destroy the economy of the Capital, also extending ULEZ to perimeter North Circular Roads where Pollution is already among the highest in London, forcing more Traffic to use this road doubling Pollution for the thousands of Residence living along this route, concentrating Pollution Density along this route like a ring of Pollution around London, instead of dispersing the affects of Pollution more lightly in the atmosphere over all.
From:
Michael Foley
15 March 2021 11:08 AM
The LL wasn't doing the anti-social behavior and tried to stop it, once again the the occupants that caused the anti-social behavior did not get prosecuted, fine the powerless LL instead, probably another miscarriage of justice and possibly another case of using the LL as a lever to get housed by the Council. The LL was a bigger fool to house them he should have left them on the Street, let the Mortgage Company re-possess what difference to him, to a pensioner getting himself a Criminal Record for good measure before he dies.
From:
Michael Foley
15 March 2021 09:43 AM
High level Research indeed hardly needed to know that, 300'000 less letting properties came onto the market in 2020/21 why would that be news, when they can stay as long as they like pay or not.
From:
Michael Foley
15 March 2021 09:22 AM
About time some one sought Government Approval to clamp down on out of control Rogue Councils.
From:
Michael Foley
15 March 2021 09:12 AM
Its worth pointing out there was hardly any person over weight back then, not like I read other day 68% Obese some young persons can barely move, maybe I shouldn't say so but it true. The real problem with housing recently is smaller LL are being driven out deliberately by over the top onerous compliance designed for that purpose, its reaching the point where its not viable. The real reason they want us out is not what the Chancellor said, he said he wants all young renters to be property owners which is very noble of him if were true, what he really wants is our young renters (out tenants) is to buy the tens of thousands of Concrete Frame High Rise tin clad over priced unsuitable Flats (already built in London & everywhere else) to achieve this he gives them free loans, incentives and SDLT exemption, virtually no Deposit, for now to rope them in, then pay for a lifetime (life sentence) Mortgage 35 years now some doing 40 years but not to look after their best interest, its the opposite its because he wants them to buy the properties to make billions for his friends the Big Developers, also can you not see so many major Organisations, Insurance Companies, a host of Big Co's, Institutions investing now and not least Lloyds Bank going to be a major player providing Flats to Rent, even buying a rafts of New Flats in several Towns for letting, excuse me didn't they say Private Buy 2 Let LL's were buying up the properties preventing young from from getting on property ladder, so now when its the Big Boys doing the same thing, its quite acceptable and what the Country needs they take us / the Public and young buyers for right mugs.
From:
Michael Foley
13 March 2021 20:45 PM
David, my friend would you like to have someone else in charge of your money or your property that you own, to be in control of it and do what they like with it ? in that case why would you do anything even go work. Yes David I was a model Tenant always paid my way always got my Deposit back didn't expect to get 3 times my deposit back or want free renting, yes its been a while since renting guess what no one gave me rights to their property, grants or freebies. I had to work hard and save every penny I could and still couldn't find what I considered value for money so I bought a Plot in Ealing in 1972 and built the house by my own hand, with no help from anyone, Dad RIP so no Mam & Dad piggy Bank, no Google to ask a question, no electric on site, cordless not invented, try it some time see how you get on, incidentally I still have the House and don't feel like giving it away or full control of it to some one just because they think they should have it. Renting was a bit different then, no Bathroom, Public Baths, outside Toilet, no Electric sockets, no TV, no Central heating, no 2 months Notice, no 6 months notice, no Benefit system pay for you, no question not pay won't pay, your Suit- Case waiting outside the door for you no messing. When you have worked for 58 years mostly 7 days a week, pay taxes through the nose and now clobber more than ever, then you can tell me how hard done by you all are or alternatively try grab other peoples property for nothing. Sorry to disappoint you I am now a model LL.
From:
Michael Foley
13 March 2021 19:24 PM
Why then is Tenant free to leave anytime he likes, have full control of a property that not not belong to him, that cost then owner hundreds of thousands to purchase, cause him so much stress by an injustice Law and probably a life times work gone into it, no wonder people have lost respect for bad laws. We know we are being totally wronged so it doesn’t matter a carrot anymore what they do, carry on enjoy the worst Recession ever, it was bad enough already without making it happen by Statute. I think I will do a Pierce Morgan good bye it was nice knowing you all.
From:
Michael Foley
12 March 2021 12:43 PM
Why didn’t she pay the first fine. Why did she let she sublet the owners Property. Why didn’t the owner have the required License. Nothing new here tens of thousands of Property sublet like this under the guise of Rent 2 Rent its rampant and well the Council’s know this. What’s not ever mentioned is there was never ever any subletting until Regulators got involved & removed LL’s rights, excluded him from the Property, now turn around and fine him for what they created.
From:
Michael Foley
12 March 2021 11:15 AM
This is disgraceful why should it be the business of the Tenant or anyone else whether the owner wants to move back in, or sell, leave idle, renovate or anything else. This is his Property bought by him, not by the Tenant or the Court. He didn’t need their permission when he brought the Property or have any financial support from them. Why then should he need their permission now, How can they acquire all those rights over another persons Property it’s insane. I note the Lenders have no such Problem when it’s their money. When it’s the Landlord’s money it’s fine to stitch him-up, are we not all equal before the Law.
From:
Michael Foley
12 March 2021 09:52 AM
Many LL’s on here from time to time seems to think they’ll get the arrears but generally no. I have had all that over the years when arrears get too high they usually leave, if you didn’t get paid while they were living there you are certainly not going to get it when they are gone. So now just add the backing of Gov’, Courts, Council’s ,Shelter and the others putting the knife-in, we are powerless.
From:
Michael Foley
12 March 2021 09:30 AM
Yes looks like we are being treated very well ?. Loads of arrears 6 months notice minimum, another 6 months or more to get to Court, in the meantime possibly supply the accommodation for free & no redress. Only Court or Tenant can end the Tenancy, LL can’t without Court Order. Tenant can up sticks and walk off at anytime they like no Court required, now getting rid of S,21 to rub salt into the wounds. So this is what Student Leader calls treating LL’s far better than the Tenant.
From:
Michael Foley
12 March 2021 09:00 AM
Shelter nearly got it right except for one fact they got the wrong way around, its the Landlords that are frightened and the weight of the Law stacked against them,
From:
Michael Foley
11 March 2021 10:53 AM
Sorry James but the Court knows what is going on she wants to be on the Council like hundreds of thousands of others on there already and if she gets Court Order straight to Civic Center to get Housed. The real reason the Council and others want rid of Section 21 but pretend its is the LL to blame.
From:
Michael Foley
10 March 2021 17:05 PM
I wished I had your confidence, the stuffing has been knocked out of us, with unfair rules & red taps. Add Congestion Charge, ULEZ £27.50 pd for a Car increasing, bigger vehicles more, diesel Vehicles more, Parking more, Council Tax more, Traffic Creating Schemes more, Scores Timber Boxes placed in the roads way to Create obstructions, penalties Charges for Council and no other reason. Road humps too high to rip the under carriage off your Car, Electric Cars coming with lower ground clearance not a hope of clearing them, 20mph on every road enough to drive anyone mad, I know a guy that was done for speeding at 24mph, the man with the red flag will be coming back.
From:
Michael Foley
10 March 2021 14:47 PM
Sorry Bill I don't want to be misunderstood I was not having a go at you.
From:
Michael Foley
10 March 2021 13:42 PM
Bill, dearest they also said 50% of the Homes in Oxford are Privately Rented, so if 6'200 of the 30'500 privately Rented Homes could have serious hazards. Right please tell me how many of the other 30'500 Homes in Oxford have serious hazards, or do they just conveniently count one half, do me a favor.
From:
Michael Foley
10 March 2021 11:57 AM
So we have Shelter, Generation rent, Acorn and now also 38 degrees has joined in the Anti-LL Campaigns. Acorn says get rid of worst LL's, never mentioned worst Tenants. Oxford City Council have Investigated over 4'000 complaints about Anti-Social behavior in Private Rented Property, sorry not the Landlord doing this ? how is Licensing going to help this ? they are targeting the wrong people the only difference the License will make is to fine the LL for what the Tenants are doing, just like they are currently doing with the LL's that are already Licensed.
From:
Michael Foley
10 March 2021 11:03 AM
What I think is very strange is the 2.5m Private LL's in the Country and only a couple of dozen making the point of view known on here, where are you come out of your box, stand up and be counted, one fellow LL tried to get a petition going regarding S,21 and the response was dismal probably less than a hundred, now listen up here 38 Degrees internet portal have joined the Anti-private Landlord brigade looking for 100k signatures required to table a Question in Parliament and possibly get it, or course that's all they do full time, (funded by chip-in public) is protest about everything its very popular, far easier than providing the accommodation. Why have we no funding vehicle ???....
From:
Michael Foley
09 March 2021 20:57 PM
Well I think keep it short like the 5 pages of Oyez 20 Agreement, not the 68 pages DCLG nightmare, but which covers all the main issues & legal points required for letting on AST, some people writes pages but doesn't help anyone really, whats on Statute is set in stone and can't be changed and any fiddling around could make it null & void, especially if you have to go to Court it might be frowned upon.
From:
Michael Foley
09 March 2021 20:37 PM
Are you sure her name is not Stubborn.
From:
Michael Foley
09 March 2021 16:48 PM
It strange as it seems to be yet again Private LL are being picked on. We are aware of significance of health & safety and it should be mentioned that tens of thousands of Properties that are Licensed had to do this already as part of requirements to get the License and should be exempt also mold & mildew could be now be listed as exempt, thanks to Corona the Asians had to open the windows. However it seems the ones that should be doing this are exempt, Principle Private residence, Council Tenanted, LL properties let to families on Benefit, Housing Associations, Lodger LL's etc'
From:
Michael Foley
09 March 2021 14:33 PM
I agree not everyone wants to buy a property or not just yet anyhow they usually don't want that until they are ready and want to settle down. I was a Tenant myself for nine years and rented in various Towns around the UK so I know how it works. There are certain other advantages to renting as above mentioned plus others like the previous Crashes when Property values collapsed over night LL loosing £50k / £100k at the drop of a hat and many getting re-possessed even loosing their own Home the Tenant has nothing to loose unless he thinks he owns the LL Property, seems more likely every day.
From:
Michael Foley
09 March 2021 10:48 AM
The 46 pages so called Model tenancy Agreement around for years, was a disaster and therefore not taken up I tried with the best will in the World but couldn't hack it, so now their solution is come along with 68 pages of crap.
From:
Michael Foley
09 March 2021 10:26 AM
Just as well then it was the Lender that was Defending the Court Case not the LL, anyway common sense outcome.
From:
Michael Foley
09 March 2021 10:19 AM
Any good to you ?
From:
Michael Foley
08 March 2021 16:54 PM
Its not just Pets its everything they can dream up to destroy us. Section 21 is being withdrawn to save the Councils from having to house false Tenants but too cowardly to come out and say it, blame the LL instead its easier and popular. Why is no one asking why Section 21 was introduced in the 1988 Act, because it was almost impossible to find somewhere to Rent at that time due to draconian Laws like the ones being re-introduced now
From:
Michael Foley
08 March 2021 10:09 AM
Stop all this nonsense by HHRS, Councils, Licensing, penalties, fines, Criminalizing LL's, the answer is very simple just give LL's back control of his Property and allow him/her to visit in reasonable daylight hours and not keep him/her on tender hooks to scared to go to the Property in case of upsetting the Tenants or they might complain to Council about Harassment. No Control no Authority, more coming force LL's to have Pets, next we will be fined for the damage they do.
From:
Michael Foley
08 March 2021 09:55 AM
So sorry Lia, not a nice situation to be in through no fault of your own, it so unfair after financing the letting just to put a roof over other peoples heads and now find you are being taken advantage of, it makes me far less sympathetic towards the homeless. The Councils and Government anti-Private LL laws have a lot to answer for.
From:
Michael Foley
06 March 2021 16:56 PM
I agree with Mr Rigsby.
From:
Michael Foley
06 March 2021 09:48 AM
Maybe they can teach them simple things like leave the bath clean for next person, don't pour grease down the sink, don't put wet-wipes down the toilet, clean the fluff from drier and filter before it catches fire, don't put hot pans directly on the work tops, notice if hinge screws in cupboard doors are coming loose, don't put hot electric iron on floor carpet or curling thongs, don't put domestic waste in recycling bin, put food waste in small bin which is for that purpose, don't ring the Council to tell them the LL didn't take your rubbish from back garden, don't go out all day leaving your dog to eat the furniture, don't leave your cat scratch away the sofa & every bed base, don't change the thumb screw euro locks that the LL was required to install, don't put extra beds in any room, don't sleep your friends in the living room, don't remove the notice board, don't cover Fire alarms, don't pull them from the ceiling or remove batteries, don't fill the attic with your discarded items & put your foot through the ceiling again, don't sub-let the property, don't over crowd the property, don't wedge all fire doors open, don't play loud music in the middle of the night to get LL fined, don't bypass the meters, don't grow cannabis, don't put a no 12 screw across the the fuse box to use your welder,, Tell me something I have not seen.
From:
Michael Foley
05 March 2021 19:08 PM
They want us out so badly its crystal clear that's why we are bullied so much, the big boys want our business disgraceful behavior by Banks. My last statement informed me my Deposit rate was being cut from 0.06% to 0.03% yet the charge several percent on loans, on credit Cards it could be 19.9% or maybe 29.9% or any figure the choose. Now they want to muscle in on their Customers Business why not the have our money for nothing, it a conflict of interest, while LL's pay for expensive Loans, will now be in direct competition with us and have all the Government reliefs / tax breaks, its a conspiracy we now have several major Company's & Institutions taken over.
From:
Michael Foley
05 March 2021 18:28 PM
Although EPC's first introduced in 2008 (13 years) I always complied but never ask by the Tenant about this, more interested in the Proximity, Condition, Rent & size or outsize space. This was introduced following on from 2007 nonsense "Home Information Packs" where by you were supposed to tell the prospective Buyer everything that wrong with your property, putting the Seller at risk, had to be scrapped it was collapsing the economy.
From:
Michael Foley
05 March 2021 13:08 PM
So 15% of Appliances were faulty which I very much doubt more needs to be added to missus or carelessness. Also 85% were not faulty and due to other causes, all new appliances are certified to comply with all the Regulations, they are made as good as they can make them. LANDLORD ALERT why is this the heading or what point are they insinuating because this refers to all properties including Home owners not just the ones that's Rented
From:
Michael Foley
05 March 2021 10:59 AM
Tenants demand Eco improvements, this article is rubbish they don't know what they are talking about. I don't believe EPC's can't be 10 years out of date, I have renewed original one's already as any other long term LL did after 10 years, any new LL that bought since will have got his EPC with the purchase. How can the Claim we didn't make any improvements I have replaced 4 Vaillant Boilers & controls, all Cavity Walls done, All Lofts 8" or 12"insulation, All double Glazing done, low Energy Bulbs like everyone else. Why didn't they ask 51 of my Tenants. Maybe head-line should read LL's should Demand Rent, (free Renting a great idea try Shelter the have £60m to play with).
From:
Michael Foley
05 March 2021 09:48 AM
We are already the highest payers of Capital gains Tax @ 28% while others pay 18% or 10% we have been singled out by George Osborne but don't hold your breath 23rd of March some more things happening about tax. They have made sure nothing is viable anymore they sting us all the way through then on disposal 28% of the gain not finished yet then 40% on the balance + 40% or original purchase with IHT, can someone enlighten me.
From:
Michael Foley
04 March 2021 19:29 PM
Didn't think much of the Budget not much could have been done when you already dug the hole. It was another Billionaires Budget focusing on endless tax reliefs for Plant & Machinery to abolish more jobs that's what Plant and Machinery does, every day we are hearing about job losses and he talks about creating jobs square that with 130% relief on Machinery.
From:
Michael Foley
04 March 2021 10:38 AM
What is the point talking now too late the Economy mismanaged by Children, last year when he gave Furlough Grants to 750 thousands Firms, they all grabbed it many didn't need it some like Tesco, Asda, Aldi etc gave back hundreds of millions with embarrassment. The other laughed all the way to the Bank big & small it was milked. When all Chancellor need to say was its a loan not a grant millions would not have applied in the first place, Billions saved instantly. The rest is History now we have the biggest tax burden ahead of us for years to come Congratulations, (Children in Charge).
From:
Michael Foley
04 March 2021 10:29 AM
Material Costs & labour is so expensive those days, then the land and thousands of pounds Council Fee as a one off doesn't work i think. All this interference and manipulating the Market is not good, say those young people that are enticed and given financial advantage to buy those over priced Flats, then if they want to sell and unlikely any Capital growth in this climate, the next buyer will be buying a secondhand home that most likely has not gone up in value (even down) the next buyer will have to find the extra thousands of £'s Stamp Duty for the purchase, so he will have to knock the seller hence he is not getting his money back, you can apply same for to BTL.
From:
Michael Foley
03 March 2021 18:46 PM
I don't agree with 3rd party Mediation, we as LL have been doing it for years, do they not think we didn't always try to resolve issues with the Tenant first, its only as the very last resort LL's goes to down the legal route. The Council have to poke their nose in again making Mediation impossible when the Tenant sees Council on his side its not happening, can those people not do a real job and earn their living.
From:
Michael Foley
03 March 2021 18:18 PM
I keep hearing about Stamp Duty Holiday but there is no such thing for LL's and never was its the biggest con ever, just because George Osborne doubled it, say if you were buying a property before that as example £500k property (probably a Flat in Acton certainly not a house) you were paying £15'000.00 stamp duty already a significant amount, then Osborne doubled it £30'000.00 Stamp Duty then Rishi comes comes along and halves it temporary, there you go magic you made a massive savings of £15'000'00 who on earth are they kidding, why don't they just grow up. £30'000.00 SDLT non starter for BTL Flat, add you Deposit all the other charges, monthly repayments, maybe Section 24 for individual LL, rent not guaranteed, vacant periods, possibly Licensing encumbrances & requirements of every recent kind, where is the beef.
From:
Michael Foley
03 March 2021 16:30 PM
You are lucky must be in other regions, not in South East.
From:
Michael Foley
03 March 2021 16:04 PM
OK he is extending Stamp Duty Holiday £500k from 31st March to 30th June '21 then continuing at the reduced amount of £250k from 1st July until 30th September '21. He must have forgotten about the Capital, what can yo but in London for £250k not very much even the one bed Flats are considerable more, should be higher threshold for London. I know you can get a House in other regions for £250. We'll have to wait until 23rd March to get hammered with Capital Gains he didn't want to spoil his day.
From:
Michael Foley
03 March 2021 15:28 PM
Haven't we got our own Bank, we are not tied to another Currency they used to print it, now no need just press the button on their own Computer.
From:
Michael Foley
03 March 2021 14:49 PM
Union tells Government don't hand money to millionaire LL's, surely they are mistaking do they mean Billionaires Developers.
From:
Michael Foley
03 March 2021 11:13 AM
There is no need for them to worry protesting about Luxury Flats all the normal ones will have the Luxury price tag that will keep you on bread & jam. As expected we have the Billionaires Budget today they must be looked after the Big Developer's they can't be left holding those tens of thousands of high rise concrete frame tin clad horrible carbuncle boxes jammed on top of each other, density does seem to count in Planning terms anymore. The economy totally mismanaged by Children running the Departments, extended Furlough another £135m pd, WHO PAYS. They can protest all they want we are sick of them. It was a sorry day for me to become a LL 43 years ago, what for to be abused & treated as a Criminal when I could have been retired years ago.
From:
Michael Foley
03 March 2021 09:48 AM
Well they have plenty to say, that's ok have your protest keep knocking Private LL's you are and will get what you deserve. Its laughable really they can't see whats happening everything they are on about to destroy Private LL's is to aid the Billionaire Builders to Build High Rise unwanted unsuitable Flats, rope-in as many young renters as possible to purchase those over priced Flats, now even give them the Deposit actually, 95% Mortgages and no Stamp Duty, saddling them with in many cases 35 year Mortgages / life sentence, later when they have family it will be unsuitable accommodation.
From:
Michael Foley
03 March 2021 09:26 AM
Fine don't know what you have up there those days Tetley Walker, Toby's or Brewery Dog but we need something to get our minds off this while we still have a bit of sanity left.
From:
Michael Foley
02 March 2021 19:46 PM
They must mean Private Landlords surely if the Tenants don't pay or in my case many have only paid half so its stacking up, some because of circumstances others because of Government interference they cannot lose their place. The long and short of it is if the Tenant pay or not they are still in-situ, there is no hardship there, if the LL did not get paid he is the victim with the financial burden and holes to block that's my logic. I think I will move to Norwich the big smoke is played out.
From:
Michael Foley
02 March 2021 19:22 PM
Hi Jo Jo that's brilliant so what you are saying is no LL should be receiving Public Funds so therefore not rent to the Council at all. I agree with you and no Tenant should be living off public funds either stop the lot. Steve, Rent money owed to the LL should be paid to the LL that why he rented out the property but this proposal looks like they want to means test the LL, to see how many he can house for free.
From:
Michael Foley
02 March 2021 11:37 AM
OK I wasn't considering to reward them, so we'll agree to differ, in the eyes of the law if you are a LL we are already Criminals, why else did they change what was always Civil Matters to Criminal it was just to class us as Criminals for being so stupid to put a roof over other people heads, off our own backs at no cost to the Government we deserve to be punished and Jailed. I know there is plenty of space in the Out Back, The Snowys and Mount Isa, we are not there but here. Maybe instead of Prison, ban them from benefit for x-number of years. They took control away from the LL's , banned him from the Property , then fine him for not being in Control, now you square that one, otherwise we would not be discussing those Cannabis Farms because the would not exist.
From:
Michael Foley
01 March 2021 15:31 PM
Hi David, my friend I am not saying there should't be any consequences but Prison is a last resort, there are too many in there already they are still human beings and often young people does silly things, who knows we don't all live in glass houses it could even be our own children, god forbid how many parents actually know what they are up to, even if they think they do. Last resort some other means to rectify and put them on the right path. There must be millions on dope in London you get a whip as they pass you by, the prisons wont be able hold them & full already. How would I feel well after all those years nothing will shock me now. Still I don't believe in an eye for an eye I am not going to lower myself its not in my make up.
From:
Michael Foley
01 March 2021 12:36 PM
I have seen several such Houses where this has happened in London even knew some of the owners, a huge amount of damage to the property, holes in walls, Ceilings, Chimney Breasts for ventilation systems, electric bypasses as standard, certainly some highly technical expertise back up to carry out all this wiring, not ordinary Joe. Why does Police nearly always smash the Door & Frame as well that's adding another cost to a bad situation. I don't like to see anyone going to prison only as last resort, its more cost for tax payer and they'll come out worse than they went-in.
From:
Michael Foley
01 March 2021 11:59 AM
This damage is caused by Regulators for sure, it never used to happen in decades gone by because it couldn't when when LL's were in control of their property. They excluded the LL from the property when for years we could visit in reasonable daylight hours, we seldom did but the potential was there meaning the Tenant knew they couldn't do this kind of thing. What did they thing was going to happen, that's the idea KEEP LANDLORD OUT he can't be allowed to know whats going on.
From:
Michael Foley
01 March 2021 11:48 AM
Mr Timms MP, he wants 5 measures to tighten rent Controls on Private Rented Sector. I seen it Reported Last year by a Landlord Association that we are already Controlled by 157 pieces of legislation, we are strangled to death and he wants more. I suppose another 5 can't do any harm just scrap the other 157. No other Business is abused by Parliament so much, what they are not taking on board is you can't have an economy based on Housing alone. The Media keep peddling fake news about shortage when its not true, its to keep the Big developers building High Rise horrible Flats, if they can't sell to them then they'll rent to them, making Billions at the expense of young buyers & renters, getting incentives and coaxed into buying Over Priced Flats that they will live to regret, this is main reason they want existing LL's out of the way. We can't be supplying affordable Quality accommodation to Tenants because they want our Business, so get rid of us by every means possible.
From:
Michael Foley
01 March 2021 11:00 AM
It seems to me the head line and the story are two different things. The Renters Reform Bill, funding for Councils to clear debts for Benefit fraudsters in the main don't worry about any one else, they must be protected at all costs. We will have to prove serious financial hardship whats that got to do with it if the money is owed its owed and should be paid, I don't see the Lenders taking a hit. Supposing even if 80% is to be paid to who ?, if its to the Tenant the LL is not going to get it.
From:
Michael Foley
01 March 2021 09:42 AM
There is no shortage of housing just a shortage of people who would like to pay hence long Council waiting lists. Land prices too high agree but not down to us that's the big Developers Land Banking. Selling off Council at Cost agree but to the existing Benefit milker to get rid of him off the system, sadly main restriction was not to sell for 5 years, then they sold for up to £200k profit I seen that, then another family member gets a place of Council & they all go & live there. I agree its a big mess whether renting or buying but a far bigger mess when buying for 35 years like now and this budget set to keep this going to fill the pockets of High Rise big Developer.
From:
Michael Foley
28 February 2021 08:50 AM
Mr Edmunds, my friend you make a lot of points not all I agree with, affordable housing not a problem, if PRS didn't have to pay 40% on income from lettings, Councils don't pay tax, remove tax from PRS and Councils wont has a hope of competing with us not to mention all the other costs imposed on us, you say Gov' should house all its citizens then why would anyone buy a property although some have that idea already. Shelter you say never made a single Law could you rephrase that to virtually all Laws, while Sitting on Parliamentary Select Committee or not, like Deposit laws, Wear & Tear, How to Rent, 2015 De-Regulation Act shall I go on ?.
From:
Michael Foley
28 February 2021 08:35 AM
Never mind we'll have more nonsense next Wednesday March 3rd Budget day. Capital gains tax hike to prevent us from leaving the Market they have to keep us there to be able to torture us in the future. Stamp Duty Holiday extended for sure, 95% Mortgages to rope-in our Tenants then they'll be stuck there for 35 years. This has to happen to look after the Big Boys Building High Rise Blocks of unnecessary flats not needed, so they have to destroy us they need our Tenants to Buy them, who else is going to be buying them, not the Benefit Claimants, they are not giving up free living its a Contagious Disease can't pay for anything themselves after that. Unfortunately Private LL's are already serving a life Sentence no reprieve.
From:
Michael Foley
27 February 2021 19:22 PM
They are playing games with us, £10k grant for slum LL's then guaranteed rent and free management as a reward for doing nothing, to house people doing nothing, not too long ago I could have bought a slum house in Wigan for £10k or Bolton. LL's who look after their property do their best to it in good repair, Council can't wait to penalize him & fine him £10k or more or that might even be their fee for nothing. Claw back the rent even despise him and go so far as teach Tenants a corruption scheme to get all their rent back after they had full use of the property it disgusting behavior by LA.
From:
Michael Foley
27 February 2021 19:01 PM
Mayors Office have a huge information campaign going at the moment about the extension of the Congestion Charge and Ultra Low Emissions Zone in London to Perimeter Roads of North & South Circular Roads around London. He is making pollution much worse for many of my Tenants and the tens of thousands of people living close to those roads. Those ring Roads are already the most Congested & Polluted in London, with extending the Charges out to this area (£15. congestion & £12.50 ULEZ per day) causing a great deal more Congestion and Pollution in those areas adding enormously to the problem as Vehicles will avoid going into the charging Zones and travel around in the out skirts as much as possible, not wanting to pay £27.50 per day obviously, currently the pollution is distributed more sparsely instead of making it more concentrated in specific areas on huge numbers of Residents damaging their Health. Mr Mayor time for you to go.
From:
Michael Foley
26 February 2021 22:20 PM
Andrew, so Norfolk has dreadful pot hole situation also but London and the South East is in with a shout for the title. We have a useless Mayor who is not bothered about anything like that yet he is spending our money setting up an Anti-landlord internet site to demean us even further. he is not setting up any similar internet site for the Tenants / bad Tenants, its discrimination plain & simple and should not be making those decisions as he is only in office by default, Mayoral Election last March didn't take place because of virus, will now be held this May' 21 which is a chance to to get rid of him and his stupid ideas.
From:
Michael Foley
26 February 2021 21:46 PM
It would be a Brilliant Scheme there are millions of Pot holes all over the Country and millions of young men on benefit doing nothing, far better for their health too out in the fresh air earning their living, the Government has to spend Billion on this anyhow so the money is there, (Ministry please stop using inferior Asphalt its raveling away after 5 / 6 years, the labor costs are the same to lay quality).
From:
Michael Foley
26 February 2021 13:07 PM
yes a lot of LL were doing Airbnb style short term lets in London, then the Airplanes stopped flying and they switched back quickly grabbing our potential Tenants causing us another problem. Many were using the system to avoid Licensing and I believe breaking the 90 day rule if its possible for anyone to understand it, you can't let the whole property more than 90 days in a year this way but I think you can let some of the rooms with Airbnb & others rooms normal lets continuing in same property so is it licence-able or not its mad. From memory the platform had to pay Revenue £1.8m and pass the details of all hosts to Revenue so anyone not declaring it better get their finger out.
From:
Michael Foley
26 February 2021 08:33 AM
Well I agree its been years since we were allowed a section 21 at the beginning of Contract which I had done for years as well but never to got rid of them if everyone was happy we just signed another Contract, on the other hand if they wanted to go they knew where they stood and everything was in order. They changed that some years back now so you could say it was already a minimum of 6 months as the Assured Shorthold Tenancy was for no less than 6 months but you couldn't sever the S.21 during the first 4 months, then you had to give 2 months notice, now they are tearing it altogether.
From:
Michael Foley
25 February 2021 21:42 PM
Councils are prepared to Teach Tenants a corruption racket, could they not Teach a some gangs of general Laborers how to repair pot holes in the roads instead. They don't seem to have any capable of doing it, just throw a shovel of black top at it and failed in a few days. Simply excavate / square out the pot hole prime the surfaces and edges, place compact hot rolled Asphalt of the correct type and compact, then seal the edges to prevent waster ingress. There are thousands of pothole everywhere to do but the moron of Departments would spend Billions doing the whole road instead of millions to do a bit of maintenance. This is what the Councils should be do instead of destroying Private Sector housing.
From:
Michael Foley
25 February 2021 19:23 PM
The Council are so desperate to get rid of section 21, why don't they just say so instead of blaming the LL. We all know its has been abused by Tenants to get Housed and jump the queue, don't know why the Council put themselves in a position to guarantee to house people intentionally homeless, most people arriving at the Council Civic Centers waving a Section 21 has done something or abusing the Government System. I have been to LL meetings where LL's told the meeting the Tenants had come to them with all the paper work ready for LL to sign, if he didn't sign its God help him after that.
From:
Michael Foley
25 February 2021 19:06 PM
Maybe if Council stopped continuously raiding the LL's Finances and interfering between Tenant and Landlord trying to put them at one another's throats, now actively encouraging Tenants to Claw back the Rent, this will happen after they have moved out, its an initiative by Council, we'll called it Free Renting from Private Landlords. They expect LL to do all the up grading while they raid the piggy Bank, introduce Licensing Schemes and now encourage Tenants to look for their money back after they had the benefit of all the LL facilities. Disgraceful behavior by Council Leaders misuse of office and should resign not fit to govern. They are supposed to be our employees and are there as the Servants of all the people not favoring one section of the Community over another.
From:
Michael Foley
25 February 2021 18:45 PM
Council are short of funds because they are so incompetent pay themselves too much, waste money and bend over backwards to finance Benefit milkers. Its not the job of private LL's to fund Housing Departments we have to fund and run our own business. I have never increased rents because HMO's were imposed on me ever since it was introduced in 2006. The Tenants can't automatically pay more by magic just because Council decide to rip-off LL's as said on here many times they already had all the powers they ever needed to control or cripple LL's as far back as 1992, so Licensing was never needed its a money grab. The reality is you can't pass on costs to a third party that can't afford it.
From:
Michael Foley
24 February 2021 18:12 PM
£1950. an extraordinary amount for the license Application Fee for 3 years and also whether its a small Flat or a large House this is unjust and totally out of proportion. A kin to c/tax system where by 2 persons living in a property pays the same as 4 /6 or 8 persons its mad. I don't buy the letting figures Robert my friend it must be the exception rather than the rule, knock off £700. to 800. pm and I will have another think about it, according to that I am charging £9'000 pa too little for a Flat in London, it cannot be that much higher in Scotland in the main, must be that gravy train Margaret Thatcher was on about if this is the case and sure to hit the buffers that's not sustainable anyway I look at it.
From:
Michael Foley
24 February 2021 15:56 PM
I have 7 coming due this year again in for a hard time & costs, all done twice before some redone 3 times and one will be 4th time all full Fees, surely it should be much less for renewal, maybe half or something ?, considering most haven't done any.
From:
Michael Foley
24 February 2021 11:57 AM
They didn't post my Response ?
From:
Michael Foley
24 February 2021 11:19 AM
Gosh we are on a roll one MP out of 650 we are so fortunate to be so well represented. So a Council wants to charge £700. for a Selective License, whats the big deal although above National average, why is this an issue when there is not a murmur about the Additional License Fee £1100 to £1350. or the Mandatory license Fee which is same amount in many London boroughs. I think there should be a maximum charge set by Government for whole of UK to stop Local Authorities Profiteering. Property in London is up to be 3 times more expensive than other parts of UK. However the return Pound for Pound is 1/3 of other parts for sure, just set a national maximum of £700. for any Property License.
From:
Michael Foley
24 February 2021 10:31 AM
I have been reading in the press about Rents falling and experienced this myself and a glut of vacant Property in London, so how can John Briggs Mayor of Tower Hamlets claim Pressure on Housing and high rents and get away with it.
From:
Michael Foley
22 February 2021 18:32 PM
I don't go along with this and don't know why the LL was fined at all especially if its about the Party, it wasn't his Party as I understand it and he is completely powerless to act in any case. I had all that Police visiting the Property again & again, Council coming out late at Night measuring the noise. I know one of the girls had issues and shouted a great deal for what ever reason. I always responded to the Complaints in person and by Letters to Tenants & Council. I think the Council should have been brought to book and fined for taking away LL's rights. The LL in effect is barred from the Property at the discretion of the occupant. This never happened in decades gone by when the owner had control of his property you can't take away Control of the property and then fine LL for not being in control, maybe some one can remind me what rights we have I would love to hear.
From:
Michael Foley
22 February 2021 18:23 PM
The unacceptable face of capitalism.
From:
Michael Foley
22 February 2021 09:55 AM
What a flop we are not Digital Academics you can bring a horse to the water but you can't make him drink, more Digital academics destroying the World and we worked / paid taxes for them to do this nonsense. So we can add this to un-contactable Banking, Insurances Policy's, Orbit Energy and others that take 3 months to tell them a Tenant has changed, the very internet you are using for this Census makes no sense, they are all at it 6 different prerecorded telephones no human available but I don't think there is any shortage of them, press this butting that button passing you around from one automated phone to another and eventually cul-de-sac cut you off, at best wait 20 minutes minimum but often over an hour to something we used to do in 2 minutes.
From:
Michael Foley
22 February 2021 09:50 AM
Regarding the breaches of Gas Safety regulations I am not going to try defend non compliance but he did later comply and done the work so he did spend the money or couldn't have complied. What I find very strange is the Costs of £14'883.30 an extraordinary amount by comparison to the Footballer who's Costs were £1'100.00, sorry I forgot it was probably a piece of string ??...
From:
Michael Foley
19 February 2021 13:24 PM
Gas used to be a good reliable source of Heating for decades and rarely if ever broke down until Digital Technology came along and discovered how they could to make them unreliable. I am not going to be singing the praises of Electric Boilers yet either I can see enough problems with them too, hard water scaling up etc, or course we are going to need 3 phase electric as well that virtually no one have got and not readily available, not been mentioned yet, the single phase in normal housing is only going to do 14 kw maybe do a small Flat, we are going to need a lot of Leci.
From:
Michael Foley
19 February 2021 13:10 PM
Landlords must know by now to keep to well clear of Alfred Place and avoid it at all costs, it might be a bit like Deposit Schemes its is always going to be slanted towards the Tenant, 3 behind the desk, a lay person, a Legal person and the one that matters in the middle very often an ex-Council employee. The Council would now like LL's to help house the Homeless that I have the greatest sympathy for but how can this be done after doing their best to destroy us, push us under a Bus then look for our help.
From:
Michael Foley
19 February 2021 10:13 AM
I think its unfortunate he was done under all 3 Schemes that I have been banging on about if they don't get you with one they get you with the other. Its a total abuse of power to coax a LL to take Tenants on Benefit then turn around and Claw the Rent back (Paul warned us about that) in affect free housing by Private LL. Council breach of Contract they were paying out the money for the Property so the know about the Property that they were paying for why didn't they inspect it and tell the LL it wasn't suitable and not take it, so they Rent Property not fit for purpose and then look for their money back, disgraceful behavior.
From:
Michael Foley
19 February 2021 09:57 AM
Kristjan, I agrees with the exception of shortage of Homes in London, there is no shortage of Homes in London so why build more. Its only for big Developers to muscle in and take over existing rental market with concrete frame, tin clad high rise Flats with no private outside space plus all the Government preferential treatment bestowed on them etc. Well were were all the people living before and no shortage then either, so you say 700'000 + has left London and I agree that's another 700'000 vacant spaces to add to the glut already to fill. I suppose it will create jobs building them and more jobs knocking them down. Who is likely to be moving to London with congestion charge, ULEZ, parking problems, penalties, traffic creating schemes, 20 mph enough to drive anyone mad, high Business rates, savage c/tax & up max allowed this year 4.99%, fake news big problem.
From:
Michael Foley
18 February 2021 11:56 AM
Yes Mark' I am surprised I have thousands of pounds of arrears for rents that haven't gone up in years. Maybe I would have voted Labour last time if Corbyn didn't have the baggage of scouse John. I could never have imagined that Labor could have got away all the Anti-LL laws the Conservatives have put on us and still doing it with impunity, more on the way, its shameful and a breach of trust.
From:
Michael Foley
18 February 2021 10:19 AM
Not Surprised how much rubbished is in the back garden, it looks like another miscarriage of Justice the Tenants that put it there, as you said its rotting away and smelling which means its Domestic waste they were not prosecuted as usual and free to keep doing it. As a LL I would & do clear it all the time using my own labour and costs , usually involving a skip (£265+ vat £53). It shouldn't need to happen if the Tenants used the wheely bins correctly the rubbish wouldn't be there. In West L'don Councils is the biggest problem for causing rubbish, we are not allowed to use the Re-cycling centers, restricted by internet making it impossible for anyone other than Digital Academics who won't be dealing with waste. It has to be booked on-line that most of Borough Residents cant do incl' me, its useless like anything to do with the Council, book in advance itemize what you are bringing when yo get there the first person you meet Digital Academic straight out of Uni' with there lap top to log everything, its a bit of rubbish for goodness sake & we have to put it in all different bins anyhow, the Service is not workable go away and have a sleep for yourself. My suggestion to anyone thinking of buying a property is don't do it and you will never be prosecuted for anything and loved by authority.
From:
Michael Foley
18 February 2021 10:03 AM
The Article says cramming in as many people as possible which they must know is not true, one of the very requirements of HMO's is to restrict the number of occupants. Why the blatant lie ? and as said on here room size requirements apply, where there is over crowding it will be Tenant bringing in friends or sub-letting. The other issue I have I provide a living Room in all HMO Houses for that purpose but Council see fit to class them as habitable rooms, same as bedrooms where they apply an extra charge per room additional to License Fee, and apply this extra surcharge to the living room, another penalty for providing better quality accommodation.
From:
Michael Foley
17 February 2021 12:06 PM
It seems like the Student would like a one party Contract that only applies to one party but a Contract is supposed to be between both parties, (leaving Corona aside). The Tenant can stay to end of Contract or have a break Clause in between to walk away, will the LL be allowed a break Clause ? didn't think so and maybe even unable to get possession at the end either, possibly have to wait 6 / 12 months after if the Tenant feels like it. There should be Contracts that applies to both Parties.
From:
Michael Foley
17 February 2021 11:37 AM
Wendy, you make a lot of sense but unfortunately Licensing applies to Flats as well, Additional Licensing to catch the ones Mandatory Licensing didn't Catch, Selective Licensing where they pick on an area in particular to catch all that the other 2 missed. I am not contracting you because you didn't say otherwise, some properties are HMO's but are not License-able HMO's.
From:
Michael Foley
17 February 2021 10:36 AM
We don' & didn't want HMO's it was forced upon us by Local Authorities, it was introduced to make easy money for the Council, no contribution from them whatsoever but giving the the opportunity to charge anything the like, the only restriction on them by Gov' was not to make a profit, now is that the easiest thing in the World to do, waste it, can I have a Contract like that please. HMO forced LL's by Regulation to remodel the Property to Comply therefore making it unsuitable for Family use. I have seen Homes under the hammer on occasions (but usually at Work when its on). When the property was bought at Auction whether a Family purchase (sometimes supported by Parents) or LL. In virtually all cases they needed a lot of work sometimes dumps and were turned around into beautiful Homes, would Generation Rent prefer to let them stay there rotting away and no use to anyone. What I take from this is anyone that works hard to do this and do their best to do good, will be hammered by all those useless Organisations, not a day's work in any of them.
From:
Michael Foley
17 February 2021 09:15 AM
We need a big pinch of salt with this one, another comedian no less. I wonder does Trump need more front men to give it a good spin.
From:
Michael Foley
16 February 2021 14:20 PM
Mark, i will give you that one even though normally I don't agree with you about other things. A blind person could see this coming or anyone with a brain of more than a hen.
From:
Michael Foley
16 February 2021 11:00 AM
Mediation can only be for one purpose to whittle down what the LL's are owed, it cannot be for anything else they are not going to give him something, only then be allowed to go to Court for a further reduction.
From:
Michael Foley
16 February 2021 10:48 AM
It hardly deserves a comment £500m Build to Rent whats new about this and this is only one Developer what about all the other big Developers & financial Institutions that I have been shouting about in recent years. That's the real reason they want us out for sure, there is no shortage of Rental accommodation in London, so just Build another 5000 btr in London by 2023 anyway. That's why we are bullied, abused, penalized, criminalized, regulated out of business and bankrupted to make way for the big boy out of Uni' rubbing shoulders together, carving up the cake for themselves.
From:
Michael Foley
16 February 2021 10:22 AM
No surprise how big the Social Housing list is, every one wants to be on the Council, why did they make the System this way just to destroy the traditional Marriage unit, now single mothers order of the day supposedly and far better off than relying on a man income, guaranteed living, women that were married getting Divorced in big numbers to work this and the man or man is probably there anyway.
From:
Michael Foley
14 February 2021 13:11 PM
John, I would agree with the exception of last couple of years, its certainly more like 16+ years or going back to Labors 2 Jags John Prescott Deputy Premier left hook or upper cut, that brought in the 2004 Act that all this nonsense stemmed from introducing HMO's Licensing in 2006 taking Deposits away or nobbling them in July 2007, now 150 pieces of extra anti-LL legislation later we have this and not finished yet, March 3rd around the corner final nail. Yes many tenants are struggling for sure we have done plenty to help them, we are there knight in shinning Armour.
From:
Michael Foley
14 February 2021 10:31 AM
Polly I think on £126k like predecessor who campaigned against us for years I understand Campell at that time moved on to another £156k +. Lia, no hope of LL's going marching they couldn't be bothered even to sign the petition. Daniela, I don't believe that will work either Government will ban LL's from applying for CCJ's. Can't put Rent up when we can't get current Rent and so much arrears in London. We are the real Homeless Charity but not recognized or granted status. Maybe we are inheriting the US system makes no difference what the evidence or facts are don't count.
From:
Michael Foley
14 February 2021 09:37 AM
I think disappointing that this Lady got fined twice for something she didn't want and most likely not in place when she bought the property. Its one thing not to want to have anything to do with the Schemes but reality is when the Council picks on an area sometimes 3 Schemes used, one of them is bound to get you, even if you have only one household you'll need a License. How can the Prosecution cost be £2'341.00 its ridiculous they never have to earn their money, maybe £500. more like it, they are above the law with their charges, if you ever heard of unearned income this is it. Wolverhampton Councilor is not to worried about the Tenant she is more worried and take a strong stance against the missing the easy money like all licensing Authorities as they charge double what the fee should be and never cost them a penny anyway, money for old rope easy money. I see Edgware have just renewed another Licensing Scheme, the Virus is not stopping that unlike Court proceedings or LL arrears, didn't ask if LL could afford it.
From:
Michael Foley
13 February 2021 13:39 PM
Shelter is not a Housing Charity, its an anti- Housing Charity, how can they be a housing Charity if they don't supply Housing. They are an ant-LL lobby Organisation lobbing against LL's who House People and get £15m pa tax payers money to help them to do this its crazy. We don't get anything only bullying, S24, S21 ?, Article 4, taxes, fines, Penalties, Licensing & Criminal Record for putting a roof over peoples heads off our own backs and financed by us at no cost to Government. Shelter & other Organisations who don't supply Housing sit on the fence throwing spanners into the works. £15m is the tip of the ice berg, public donations / begging letters like the one they sent me suggesting I could give them £16 / £50 or £100 or more some cheek. I understand they get £60m pa no tax. We are in the wrong Business and yes many Charity organisations or all pay themselves over £100k pa, if they were genuine people their Services should be almost Free.
From:
Michael Foley
12 February 2021 18:34 PM
The 2 groups were Portfolio LL's who are treated differently and given preferential treatment to drive out individual LL's but probably more rogues among them. The other group individuals / first time buyers supposedly / cousins, brothers , uncle, sister etc, no Stamp Duty to £500k even if the pay £600k for house , SD will only be 5% of extra £100k no level playing field here. Those Semi's & Terrace Houses are popular some with lofts / extensions, a family member live there under the cover of the lodger scheme £7'500, tax free but many are using this pretense to have 3-4 lodgers its costing Government billions in lost revenue, no Licensing apply either.
From:
Michael Foley
11 February 2021 10:05 AM
I still don't know why we are treated so unfairly and hated by the Media and the Local Authorities just for doing the right thing. The Local Authorities shouldn't be in charge of us they are not able to run Public Sector Housing with the tax payers money handed to them, we have to finance and do it all off our own backs while being confronted by all their obstetrical's they sit back and abuse their position, its so unfair they impede, penalize, spurious charges & Criminalize us. Then we have S24, S21, unfair taxes & SD. Yesterday a big Auction rampant with individual LL's rushing to get out and being bought up by 2 groups in the main because of unfair competition and taxes.
From:
Michael Foley
11 February 2021 09:47 AM
Yes there used to be allowances for inflation on capital gains tax, from memory the number of years you had it were counted, we had indexation linked, or other was called tapered relief and it wasn't 28% either to start with. It was another 40 year old kid being made Chancellor even before he was 40 born into riches again, coming from a wealthy wall paper manufacturing business in Cheshire. I don't thing anyone should be allowed to be a Minister or Chancellor before the age of 50 years, the huge mistakes that has been made by those highly educated but sadly in experienced men.
From:
Michael Foley
10 February 2021 15:47 PM
Matthew, agree Capital Gains tax already too high mostly on inflation rather than profit, Chancellor Osborne already stuck on an additional 8% especially for LL's making it 28%, so already paying more than anyone else. Stamp Duty holiday no such thing in my book its derisory, first Osborne raised SDLT on everyone plus another 3% on top for LL's in effect doubling it for many LL's, say buying a property before for £500k one home it would be £15k SD, but for LL + 3% = £30k SD, so then they half it for now to what it was before you have to still pay £15'000, Stamp Duty on this purchase, that's some Stamp Duty Holiday (£15K), they take us for complete idiots.
From:
Michael Foley
10 February 2021 11:31 AM
James , or course you seen it coming I was blogging about this last October, its all about destroying individual LL's, regardless we are not passive investors but hands on, Life dedicated and passionate LL's. Anyway they are destroying us must be the easiest thing in the world to do, what then ? any plan B they have buggered every other Business also. 40 year old kids in charge born into riches, away above their stations shouldn't have those positions clueless totally mismanaged the economy with Furlough 750'000 Firms received it, they all grabbed it even his Billionaire wife now we are all in trouble.
From:
Michael Foley
10 February 2021 11:01 AM
Labour tells us there are 16'800 house holds in Arrears in Manchester / Greater Manchester which is a lot to be in Arrears, so the LL's are housing a huge number of those and currently shouldering a huge burden of Arrears, yet they see fit to want to increase this figure even more by banning the LL from running his business. I have a problem with the 16'800 households also, is a household 1 person or 3,4,5 or more, certainly more than one there is no such thing as one person to every household or property, therefore the figure is much higher and LL are already carrying even far more Arrears. (don't worry about that just load more on).
From:
Michael Foley
09 February 2021 16:43 PM
Why are you displaying, Burnhams mug shot at top of this Article, you are just increasing his popularity and I can't bare to look at him.
From:
Michael Foley
09 February 2021 14:29 PM
So now we are reminded about its a Criminal Offence to evict, then why did they make it a Criminal Offence when it was always a Civil Matter, no wonder people have no respect for the Law, Seven stabbings in 24 hrs in London, even people that were perfectly Law abiding couldn't care less anymore that's what unjust Laws do, its like a cancer, creating a Lawless Society.
From:
Michael Foley
09 February 2021 13:17 PM
Gordon, good idea, but hang on a minute Ealing is putting up Council Tax by 4.9%.
From:
Michael Foley
09 February 2021 11:53 AM
Janet, I agree with the exception of the next 10 years, that's too optimistic can we revise that to 2 years.
From:
Michael Foley
09 February 2021 10:36 AM
It feels like its a Criminal offence now for just being a LL. I can't see how it can be a Rental Property if you are not getting the Rent, then its a free Property so how can Criminal Law apply to a free service.
From:
Michael Foley
09 February 2021 10:26 AM
Yes give us back the loan interest tax relief that Companies are allowed to have / level playing field, give us back our 10% wear & tear allowance, give us back Section 21 to do what it was supposed to do before being nobbled, give us back our Deposits and not replace with liability schemes. While you are at it scrap Shelters 'How to Rent' nonsense there are not elected and should not be making Laws. Scrap 20% vat on all the enforced requirements imposed on LL's, even on bundles of compliant Certificates, scrap the 12% Insurance premium tax penalty, just renewed one this morning to include £56. premium tax for being so stupid to Insure the Property, scrap proposed C/gains tax increase, already 28% for LL's only, no one else has to pay this high amount now minded to make it 40% / 45%, scrap the outrageous so called Model Tenancy Agreement (68 pages for goodness sake).
From:
Michael Foley
08 February 2021 12:42 PM
It seems to me Ms Preet Kaur Gill is writing about something that has already happened, LL's have helped Tenants no end by being flexible where they can, I have never tied anyone to a Contract when they want to leave I don't want a disgruntled Tenant living in my property against their will. Regarding Rent reduction many have had that already, of course we also have huge arrears that we will never recover or even allowed to, so that's a another Rent reduction, don't know why they are wasting their time writing about nothing. Better they write to facilitate LL's who are very unhappy and want to get out rather than robbing them and forced to stay in, when they have no control over their business anymore with the removal of S.21, why don't those MP's write to the Chancellor not to increase Capital Gains Tax on March 3rd which is designed to stop LL's leaving, stay in and you are stuffed, leave and you are also stuffed, that how much they hate us for supplying quality affordable housing at no cost to the Government, totally financed and run by us off our own backs,
From:
Michael Foley
08 February 2021 10:13 AM
Fredy, yes I agree with you that the properties don't simply disappear and in the main your assessment of what is likely to happen is true although one important factor is missing here. That is what will also disappear is my £40k income tax per £100k income pa, (no personal allowance allowed either). Maybe the Chancellor is so flippant he don't want money, how many billions does LL's pay ? if the property is occupied lived-in by un-rented Residents they will not have be to paying money to the Treasury just because the live in a property unlike the Tenants Residential penalty, perhaps he don't intend addressing the £280 billions debt + that is owed rising rapidly.
From:
Michael Foley
07 February 2021 22:33 PM
Why on earth do NRLA think the Government should give incentives to convert Commercial properties to Residential are they all loosing the plot, far too much of this has gone on already collapsing the Housing market and doing away with jobs, where do they think people are going to get work, far better to campaign to scrap the practice altogether. Will everyone be at Home playing with their Computers thinking its work, really they are only doing what poorly paid Office Clerks used to do in the 60's & 70's, now that they want everything done in a different format to render half the Country use less, just like me who was able to do everything for 40 years, survive 5 Recessions and now put in a position that I have been successfully De-Educated, congratulations keep on with your nonsense you know it all.
From:
Michael Foley
06 February 2021 20:30 PM
Don't worry its going to get worse ! billions wasted on furlough to Companies & individuals that really didn't need it, all he had to say was its a Loan not a Grant and would need paying back sometime so the ones that could pay it back would & the ones that couldn't obviously wouldn't, the biggest lot would not have ever even applied in the first place as soon as its a load they are not applying, there you go billions saved at a stroke. A lady even richer than the Queen seem to have got furlough for her staff imagine that and the big Companies that milked it, even some of my Tenants I suspect got £7k twice (looks like hanging on to it) but not to worry we'll pay on 3rd of March for all this mismanagement with capital Gains Tax and what ever he dreams up etc.
From:
Michael Foley
05 February 2021 20:05 PM
That will probably be an extra reward for them because they are so good to be drawing benefit. I remember some time back a 3 bed House (let as 4) was for sale with the Tenants in place. I viewed & had the full low down on it, the owner lived in Nigeria. 6 officially living there on Benefit, Council paid them £90 pw for accommodation element regardless so anything they got cheaper they were allowed to keep. Costing Council £90 x 6 = £540 pw x 52 = £28'080. pa they were paying. LL £75 pw each so he was getting £450 pw x 52 = £23'400. pa, or £1'950. pm. I had a similar property let at the time privately for £1'200 pm = £14'400, pa, so it was costing the Public Purse about double to house those guys, what a waste of tax payers money, plus keep them and sleep half the day, kept the place in a mess, water coming down from Bathroom into the kitchen because of misuse, hence mushrooms growing on the wall of kitchen, it was a relative new Town House (25 / 30 years), previously owned by Council or Housing Association type. They are laying down the Law to us, goodness me.
From:
Michael Foley
05 February 2021 17:21 PM
It must be the joke of the Century, the Council pays rent for the Property to house the Tenant but don't pay it the supplier of the Property instead pays it to a third party. Everyone knows what the money if for, so would they not want the rent element of him money to go where it is intended ? it like they are giving the Tenant the opportunity to thief. I backed away from 2 Lets that they might have had because of this nonsense, not only is the guy going to be living for free, living in my house, have control of my property to my exclusion and in charge of my financial affairs.
From:
Michael Foley
05 February 2021 15:45 PM
Build to rent already on the way by the tens of thousands, virtually all High Rise some 50 story's with no private outside space by the big players and Institutions you'll know who those are. They will supposedly be compliant for new EPC as well even though they are rubbish & death traps, Developers have gone back to Cladding again I see, they did switch to Brick Fascias briefly after Grenfell. So now you know why they so badly want us out of the way its to grab our business. They need our Tenants to Rent or buy from them, maybe on some crazy scheme (part buy mockery). Certainly if they can't have our Tenants they have no one and driven thousands of Europeans out as well.
From:
Michael Foley
05 February 2021 12:44 PM
We know our options are very limited and the bad situation can get much worse, when they know we can't do anything for six maybe 12 months to add insult to injury, its in all their web-sites in all different languages to drum it into them, (no need for Shelters "How to Rent").
From:
Michael Foley
03 February 2021 22:35 PM
Another blow for me today a Tenant ready to move on, looks like the place is almost secure but a Reference Agency wrote to me at a false address which he obviously gave them as they say they have a signed signature to be allowed to contact me. He gave them his name & current address (my Property) and LL's false address. However you might say how do I know so ? as luck would have it the lady who received it, is on a whats app group and asked if anyone knew me and where I lived & bingo I received it. I am now in a dilemma I have been very fair with him even though £6 arrears in the past although paid a couple times recently, now no notice given to me, looks like going to disappear probably going to use my months money on next place, in any case I can't give a declaration to Agency as it destroy him and whats more he thinks that I don't even know.
From:
Michael Foley
03 February 2021 20:30 PM
Incidentally I have received a begging letter from Shelter today, would I like to give them £16, £50, or £100. or would I like to surprise them with a bigger amount, imagine that after all the money, damage and aggravation they have caused me and on going every day fort . I have a surprise for them alright never again a penny to Charity and LL's should be aware when legal people are making provisions for your Estate they probably will advise you to leave money to Charity to save tax, what I was previously told give 4% to Charity & get 10% off your tax Bill. I would burn it first.
From:
Michael Foley
03 February 2021 18:45 PM
The only criticism I have of Mr & Mrs Wilson is they were a bit too severe, could have been a bit more flexible in dealing with Tenants, which at the same time is understandable having been former Teachers with strict discipline and work ethic.
From:
Michael Foley
03 February 2021 18:29 PM
Tenants don't need your permission for anything, they can do as they like they know we are powerless to do anything about it, backed up by Housing Minister, Local Authorities and the Courts.
From:
Michael Foley
03 February 2021 18:15 PM
This was all fake & fraud self certification indeed.100% or ever 125% Buy 2 Let Mortgages, facilitating new LL's to buy dozens / scores / even hundreds of Properties with owning anything really making a fool of traditional LL's. Get one Property & as soon as there was a bit of equity in it, revalue get deposit on the next property and so on continue in this vain for ever, it was totally tax efficient and Revenue rarely got little or any, now we are all paying the price for this, not our fault. Those were the ones abusing S.21 as well get rid of the Tenant at end of Term for no other reason than to start off with a New Tenant at a Higher price.
From:
Michael Foley
03 February 2021 10:51 AM
Fergus & Judith Wilson in Kent I understand were retired School Teachers, so had already made their Contribution to Society and only started being LL's at the end of their careers as a side line in retirement. I don't blame them at all I blame the Buy 2 Let Mortgages that weren't around in the decades before from memory I believe they were Started by The Woolwich Building Society and that's where the big Problem lies with virtually all Private Sector Housing hi-jacked / gazumped by this disastrous change why was it allowed to happen. Prior to this we all had Commercial Loans and had to pay our way.
From:
Michael Foley
03 February 2021 10:28 AM
Maybe Christopher Pincher could learn from Matt Hancock and give everyone one dose first instead of we doing it over & over again then classed as Rogue LL, Authorities never refer to us any other way. When a LL gets convicted of an allegation regard letting he is given a Criminal Record. The Mayor of London landed scores of Timber Box obstetrical's in middle of road & at junctions around several London Boroughs as part of a Traffic Creating Scheme costing the tax payer £1m, now deemed illegal by the High Court. He is now spending big bucks setting up a Criminal LL data Base, will he be on it he has broken the Law ?.
From:
Michael Foley
02 February 2021 14:25 PM
Steve, I had the same 3 Bed extended House had to get license for 5 Persons, similar house next door let to Housing Association no License required and 8 persons there minimum some times 14 + everyone acting the jack all kept by tax payer, (LL wasn't bothered moved abroad & had 10 year Contract guaranteed no input required of him). I know some people are moaning about HM0 Licensing but huge numbers of you never had a license, now I some coming due for the fourth time and required to do it again which is very unfair considering others never had a license.
From:
Michael Foley
02 February 2021 14:08 PM
Mark, has a point was it really necessary I suppose the bare Floor Boards would be too good for them, maybe LL could have given them a couple of bails of straw or a few sods of turf.
From:
Michael Foley
02 February 2021 09:22 AM
Mark, dearest so we will need professional advice from someone that writes this unnecessary burden, would that be an Estate Agent like the one that was so keen to take on one of my Houses and then backed away from it when he realized it had a HMO license. He said the Regulations were too difficult and complex to deal with but if it were for a Family on benefit he couldn't get enough of them & without all the hassle. That tells me we are at a complete disadvantage to own Property that has been blighted by the licensing Schemes forced upon us, not to mention the extra material costs.
From:
Michael Foley
01 February 2021 18:46 PM
Algarve, my friend how can I charge higher Rents when I can't even get the Rent that I am owed which is thousands of £'s and some of my Rents haven't gone up in 8 years. The so called Model tenancy Agreement will require to do write to the Tenant as to why I don't want their animals, absolute more work load for me, my cost and unpaid LL's work, the whole place is collapsing under the weight of paper & red tape,it wonderful they think just because we are LL's waste our time no difference to them, yet when we apply for a HM0 license they want £1300. just to look at our paper work.
From:
Michael Foley
01 February 2021 10:30 AM
Seen as my longer response was not posted. I have to point out again those false allegations against LL's currently looks like one or nil, certainly not wide spread. There are scores of proven cases of Tenants using sex for rent / Brothels about 20 closed down in Borough alone in London in recent times that's what I would call wide spread, so turn a blind eye to all this and stack one potential case against the LL to lobby to change the Law of the Land now that's what I call real injustice.
From:
Michael Foley
01 February 2021 09:20 AM
I have responded but again my comments are not published even though I was responding to a pack of Lies, where there is only one case ever in England, the first case in Surrey not yet proven so its only an allegation. The Article talks about wide spread and wants the Law changed, come on now find some real issues to deal with and they are plenty.
From:
Michael Foley
01 February 2021 09:06 AM
I don't have a pet in my House but that's beside the point and I am not saying any Tenant shouldn't have a pet either. What I am 100% against is Christopher Pincher poking his nose in again into private matters, it should be left up to the owner & the Tenant as to whether its agreeable to both parties or not, everything is being forced on us and we are never given a say and any Consultation is just pretend. The same goes for the 68 pages so called Model Tenancy Agreement nonsense, we already have 50 pages of Documents & Certificates to comply even without our Current Assured short hold Tenancy Agreement in which ever format but all essentially the same, 6 to 8 pages max and even that used to be 4 pages Oyez Contract form from Law Society nothing wrong with it. So he must be trying to destroy the Forest and Environment with other 60 pages not to mention my printer ink £50. a time for pair of cartridges every couple of week from Sainsbury's.
From:
Michael Foley
29 January 2021 18:39 PM
Yes Francis, maybe outside a Tube station sitting on a bag with their Pets in tow. Perhaps Christopher Pincher could see his way to include mice & rats as well but then you'll have exclude the ferret because he'll soon see them off.
From:
Michael Foley
29 January 2021 11:46 AM
Nothing New about so called Model Tenancy Agreement its around for Years by DHCLG it used to be 46 pages and unusable, so no one used it because it was impossible so now 68 pages of more nonsense I did respond to this article at some length but blocked by landlord today.
From:
Michael Foley
29 January 2021 11:05 AM
I don't see any Breathing Space for landlords or provisions for Landlords with Mental Health problems caused by Tenant not paying the Rent. I suppose its not possible for us to be considered Human when we are already Labeled Rogue Criminal Landlords and never referred to in any other way, are the Editors not allowed to not even once print a headline commending good LL's.
From:
Michael Foley
29 January 2021 09:20 AM
There is no shortage of Housing how many more times do i say it, never mind just Build more & more high rise multi story, convert every Office Space to residential, Convert Industrial Buildings to Residential, Convert all the Closed down Shops to Residential even in the High street, Build on every piece of Land that catches your eye, Convert or Build Loft Extensions by the millions, any Factory that goes Bust don't worry about Jobs Build Residential, every Garage / Filling Station close it down Build residential, All Commercial Build residential but give them Grants and special incentives to Build more unwanted residential the Media says it so must be right, morans etc etc,...
From:
Michael Foley
26 January 2021 16:34 PM
LL's Discriminating against EU citizens, I don't think so that seems more like Government Policy, don't try to blame LL for what you are doing and that's if we have any left to Discriminate against with 20% gone back because of all Brexit nonsense that was going to solve all our problems ?..
From:
Michael Foley
26 January 2021 10:07 AM
Section 21 should be Re-instated and the 2015 De-Regulation Act by Shelter Scrapped which they brought in when they failed in collusion with Sarah Tether Private Members Bill and should never have happened, where by the Tenant could damage the Property to claim disrepair to avoid eviction it could be just interfere with the Boiler would suffice which I believe has happened. Deposit Passport nonsense its like forcing Tenants to be involved with Deposits even if LL don't want Deposit which I don't, because the implications of the Deposit Schemes is a bigger encumbrance than no Deposit that's saying something, it was never my money anyway just minding it for them temporarily. The way Deposit worked well before all this interference which was the best way. When the Tenants were leaving you gave them back their Deposit and they gave you back the keys simple and done, not involving all those outside parties to muck it up & delay everything, then the Tenant waiting weeks after they left to get a reduced Deposit back because by now all the quango's are involved & so many other costs have been incurred and everyone trying to cut their losses.
From:
Michael Foley
25 January 2021 16:52 PM
Tricia, thank you for making the effort for setting up Petition about EPC, unfortunately as usual lazy ungrateful LL's sit on their hands and do nothing that's 2.2m of us excluding Wales, Scotland or NI, and expect everything to just fall into their lap, you should have 100k by now.. The last time I looked only 27 persons signed up that's Shameful I don't know why we bother. It was same way when we were campaigning for S21 to be brought-in, vast majority sat back waiting to see what concessions of right we might achieve then happily avail of any advantage it might be to them. Same goes for LL Associations we complain they don't do enough for us but with only 80k members between the 2 biggest ones what can we expect. So if 2.6m LL's in UK paid £5 pa each it would be £13m double what they get now, (at a guess of £75 / £80. per member for 80k members), but currently only 80k LL's to carry the other 2'500'000 LL's that are prepared to do nothing or contribute to anything only sit there let someone else do it.
From:
Michael Foley
25 January 2021 12:21 PM
DW, So the Deposit Scheme is not working and you forgot to thank Shelter for imposing it on LL & Tenants, costing Tenants loads Money, costing LL's fortunes having to Register it each time a New Tenancy Agreement is done and pay, plus a load of paper work administration and used to under mine S21. What a shame outsiders can't keep their noses out when its nothing to do with them, then again I suppose they would have nothing to do. Why not scrap the whole thing and go back to how it was before being interfered with in 2007, when the Deposits worked well for decades and the Tenants always got their Deposits back directly dealing with the LL face to face and no third party in the middle adding costs and Delay in Deposit return plus the additional quango's associated with it. (it was proven to be less than 1% discrepancy before the Deposit scheme in 2007 now you tell me it's millions of £'s).
From:
Michael Foley
25 January 2021 10:14 AM
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
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13 March 2021 19:24 PM
From: Michael Foley
12 March 2021 12:43 PM
From: Michael Foley
12 March 2021 11:15 AM
From: Michael Foley
12 March 2021 09:52 AM
From: Michael Foley
12 March 2021 09:30 AM
From: Michael Foley
12 March 2021 09:00 AM
From: Michael Foley
11 March 2021 10:53 AM
From: Michael Foley
10 March 2021 17:05 PM
From: Michael Foley
10 March 2021 14:47 PM
From: Michael Foley
10 March 2021 13:42 PM
From: Michael Foley
10 March 2021 11:57 AM
From: Michael Foley
10 March 2021 11:03 AM
From: Michael Foley
09 March 2021 20:57 PM
From: Michael Foley
09 March 2021 20:37 PM
From: Michael Foley
09 March 2021 16:48 PM
From: Michael Foley
09 March 2021 14:33 PM
From: Michael Foley
09 March 2021 10:48 AM
From: Michael Foley
09 March 2021 10:26 AM
From: Michael Foley
09 March 2021 10:19 AM
From: Michael Foley
08 March 2021 16:54 PM
From: Michael Foley
08 March 2021 10:09 AM
From: Michael Foley
08 March 2021 09:55 AM
From: Michael Foley
06 March 2021 16:56 PM
From: Michael Foley
06 March 2021 09:48 AM
From: Michael Foley
05 March 2021 19:08 PM
From: Michael Foley
05 March 2021 18:28 PM
From: Michael Foley
05 March 2021 13:08 PM
From: Michael Foley
05 March 2021 10:59 AM
From: Michael Foley
05 March 2021 09:48 AM
From: Michael Foley
04 March 2021 19:29 PM
From: Michael Foley
04 March 2021 10:38 AM
From: Michael Foley
04 March 2021 10:29 AM
From: Michael Foley
03 March 2021 18:46 PM
From: Michael Foley
03 March 2021 18:18 PM
From: Michael Foley
03 March 2021 16:30 PM
From: Michael Foley
03 March 2021 16:04 PM
From: Michael Foley
03 March 2021 15:28 PM
From: Michael Foley
03 March 2021 14:49 PM
From: Michael Foley
03 March 2021 11:13 AM
From: Michael Foley
03 March 2021 09:48 AM
From: Michael Foley
03 March 2021 09:26 AM
From: Michael Foley
02 March 2021 19:46 PM
From: Michael Foley
02 March 2021 19:22 PM
From: Michael Foley
02 March 2021 11:37 AM
From: Michael Foley
01 March 2021 15:31 PM
From: Michael Foley
01 March 2021 12:36 PM
From: Michael Foley
01 March 2021 11:59 AM
From: Michael Foley
01 March 2021 11:48 AM
From: Michael Foley
01 March 2021 11:00 AM
From: Michael Foley
01 March 2021 09:42 AM
From: Michael Foley
28 February 2021 08:50 AM
From: Michael Foley
28 February 2021 08:35 AM
From: Michael Foley
27 February 2021 19:22 PM
From: Michael Foley
27 February 2021 19:01 PM
From: Michael Foley
26 February 2021 22:20 PM
From: Michael Foley
26 February 2021 21:46 PM
From: Michael Foley
26 February 2021 13:07 PM
From: Michael Foley
26 February 2021 08:33 AM
From: Michael Foley
25 February 2021 21:42 PM
From: Michael Foley
25 February 2021 19:23 PM
From: Michael Foley
25 February 2021 19:06 PM
From: Michael Foley
25 February 2021 18:45 PM
From: Michael Foley
24 February 2021 18:12 PM
From: Michael Foley
24 February 2021 15:56 PM
From: Michael Foley
24 February 2021 11:57 AM
From: Michael Foley
24 February 2021 11:19 AM
From: Michael Foley
24 February 2021 10:31 AM
From: Michael Foley
22 February 2021 18:32 PM
From: Michael Foley
22 February 2021 18:23 PM
From: Michael Foley
22 February 2021 09:55 AM
From: Michael Foley
22 February 2021 09:50 AM
From: Michael Foley
19 February 2021 13:24 PM
From: Michael Foley
19 February 2021 13:10 PM
From: Michael Foley
19 February 2021 10:13 AM
From: Michael Foley
19 February 2021 09:57 AM
From: Michael Foley
18 February 2021 11:56 AM
From: Michael Foley
18 February 2021 10:19 AM
From: Michael Foley
18 February 2021 10:03 AM
From: Michael Foley
17 February 2021 12:06 PM
From: Michael Foley
17 February 2021 11:37 AM
From: Michael Foley
17 February 2021 10:36 AM
From: Michael Foley
17 February 2021 09:15 AM
From: Michael Foley
16 February 2021 14:20 PM
From: Michael Foley
16 February 2021 11:00 AM
From: Michael Foley
16 February 2021 10:48 AM
From: Michael Foley
16 February 2021 10:22 AM
From: Michael Foley
14 February 2021 13:11 PM
From: Michael Foley
14 February 2021 10:31 AM
From: Michael Foley
14 February 2021 09:37 AM
From: Michael Foley
13 February 2021 13:39 PM
From: Michael Foley
12 February 2021 18:34 PM
From: Michael Foley
11 February 2021 10:05 AM
From: Michael Foley
11 February 2021 09:47 AM
From: Michael Foley
10 February 2021 15:47 PM
From: Michael Foley
10 February 2021 11:31 AM
From: Michael Foley
10 February 2021 11:01 AM
From: Michael Foley
09 February 2021 16:43 PM
From: Michael Foley
09 February 2021 14:29 PM
From: Michael Foley
09 February 2021 13:17 PM
From: Michael Foley
09 February 2021 11:53 AM
From: Michael Foley
09 February 2021 10:36 AM
From: Michael Foley
09 February 2021 10:26 AM
From: Michael Foley
08 February 2021 12:42 PM
From: Michael Foley
08 February 2021 10:13 AM
From: Michael Foley
07 February 2021 22:33 PM
From: Michael Foley
06 February 2021 20:30 PM
From: Michael Foley
05 February 2021 20:05 PM
From: Michael Foley
05 February 2021 17:21 PM
From: Michael Foley
05 February 2021 15:45 PM
From: Michael Foley
05 February 2021 12:44 PM
From: Michael Foley
03 February 2021 22:35 PM
From: Michael Foley
03 February 2021 20:30 PM
From: Michael Foley
03 February 2021 18:45 PM
From: Michael Foley
03 February 2021 18:29 PM
From: Michael Foley
03 February 2021 18:15 PM
From: Michael Foley
03 February 2021 10:51 AM
From: Michael Foley
03 February 2021 10:28 AM
From: Michael Foley
02 February 2021 14:25 PM
From: Michael Foley
02 February 2021 14:08 PM
From: Michael Foley
02 February 2021 09:22 AM
From: Michael Foley
01 February 2021 18:46 PM
From: Michael Foley
01 February 2021 10:30 AM
From: Michael Foley
01 February 2021 09:20 AM
From: Michael Foley
01 February 2021 09:06 AM
From: Michael Foley
29 January 2021 18:39 PM
From: Michael Foley
29 January 2021 11:46 AM
From: Michael Foley
29 January 2021 11:05 AM
From: Michael Foley
29 January 2021 09:20 AM
From: Michael Foley
26 January 2021 16:34 PM
From: Michael Foley
26 January 2021 10:07 AM
From: Michael Foley
25 January 2021 16:52 PM
From: Michael Foley
25 January 2021 12:21 PM
From: Michael Foley
25 January 2021 10:14 AM
From: Michael Foley
24 January 2021 21:45 PM
From: Michael Foley
23 January 2021 20:06 PM
From: Michael Foley
23 January 2021 17:16 PM
From: Michael Foley
23 January 2021 13:03 PM
From: Michael Foley
23 January 2021 10:38 AM
From: Michael Foley
22 January 2021 13:03 PM
From: Michael Foley
22 January 2021 11:30 AM
From: Michael Foley
22 January 2021 09:54 AM
From: Michael Foley
21 January 2021 18:51 PM
From: Michael Foley
21 January 2021 14:59 PM
From: Michael Foley
21 January 2021 10:41 AM
From: Michael Foley
20 January 2021 13:53 PM
From: Michael Foley
20 January 2021 13:44 PM
From: Michael Foley
19 January 2021 18:00 PM
From: Michael Foley
19 January 2021 14:35 PM
From: Michael Foley
19 January 2021 09:19 AM
From: Michael Foley
18 January 2021 22:23 PM
From: Michael Foley
18 January 2021 18:47 PM
From: Michael Foley
18 January 2021 17:00 PM
From: Michael Foley
18 January 2021 11:56 AM
From: Michael Foley
18 January 2021 11:47 AM
From: Michael Foley
18 January 2021 11:13 AM
From: Michael Foley
16 January 2021 21:23 PM
From: Michael Foley
16 January 2021 13:07 PM
From: Michael Foley
16 January 2021 09:55 AM
From: Michael Foley
15 January 2021 22:52 PM
From: Michael Foley
15 January 2021 19:32 PM
From: Michael Foley
15 January 2021 15:05 PM
From: Michael Foley
15 January 2021 10:47 AM
From: Michael Foley
15 January 2021 10:35 AM
From: Michael Foley
15 January 2021 09:30 AM
From: Michael Foley
15 January 2021 09:26 AM
From: Michael Foley
14 January 2021 14:51 PM
From: Michael Foley
14 January 2021 12:41 PM
From: Michael Foley
14 January 2021 10:37 AM
From: Michael Foley
14 January 2021 09:58 AM
From: Michael Foley
13 January 2021 16:00 PM
From: Michael Foley
13 January 2021 09:56 AM
From: Michael Foley
12 January 2021 17:22 PM
From: Michael Foley
12 January 2021 13:37 PM
From: Michael Foley
12 January 2021 12:37 PM
From: Michael Foley
12 January 2021 11:58 AM
From: Michael Foley
11 January 2021 21:09 PM
From: Michael Foley
11 January 2021 10:39 AM
From: Michael Foley
10 January 2021 14:34 PM
From: Michael Foley
10 January 2021 11:59 AM
From: Michael Foley
09 January 2021 17:58 PM
From: Michael Foley
09 January 2021 17:56 PM
From: Michael Foley
09 January 2021 12:57 PM
From: Michael Foley
09 January 2021 11:57 AM
From: Michael Foley
09 January 2021 11:33 AM
From: Michael Foley
08 January 2021 21:33 PM
From: Michael Foley
08 January 2021 21:20 PM
From: Michael Foley
08 January 2021 21:01 PM
From: Michael Foley
08 January 2021 19:07 PM
From: Michael Foley
08 January 2021 07:44 AM
From: Michael Foley
07 January 2021 16:01 PM
From: Michael Foley
07 January 2021 13:30 PM
From: Michael Foley
07 January 2021 11:38 AM
From: Michael Foley
07 January 2021 09:03 AM
From: Michael Foley
06 January 2021 17:20 PM
From: Michael Foley
06 January 2021 15:52 PM
From: Michael Foley
06 January 2021 09:46 AM
From: Michael Foley
05 January 2021 16:36 PM
From: Michael Foley
05 January 2021 15:27 PM
From: Michael Foley
05 January 2021 13:30 PM
From: Michael Foley
04 January 2021 16:05 PM
From: Michael Foley
04 January 2021 12:35 PM
From: Michael Foley
04 January 2021 11:10 AM
From: Michael Foley
01 January 2021 11:17 AM
From: Michael Foley
01 January 2021 10:49 AM
From: Michael Foley
31 December 2020 11:57 AM
From: Michael Foley
30 December 2020 17:14 PM
From: Michael Foley
30 December 2020 10:56 AM
From: Michael Foley
29 December 2020 10:53 AM
From: Michael Foley
29 December 2020 10:03 AM
From: Michael Foley
28 December 2020 21:51 PM
From: Michael Foley
26 December 2020 09:39 AM
From: Michael Foley
25 December 2020 11:48 AM
From: Michael Foley
25 December 2020 09:27 AM
From: Michael Foley
24 December 2020 15:10 PM
From: Michael Foley
24 December 2020 13:37 PM
From: Michael Foley
24 December 2020 10:10 AM
From: Michael Foley
23 December 2020 19:09 PM
From: Michael Foley
23 December 2020 18:04 PM
From: Michael Foley
23 December 2020 13:37 PM
From: Michael Foley
23 December 2020 11:04 AM
From: Michael Foley
23 December 2020 09:43 AM
From: Michael Foley
22 December 2020 20:05 PM
From: Michael Foley
22 December 2020 18:35 PM
From: Michael Foley
21 December 2020 22:24 PM
From: Michael Foley
21 December 2020 18:27 PM
From: Michael Foley
21 December 2020 10:28 AM
From: Michael Foley
20 December 2020 11:42 AM
From: Michael Foley
18 December 2020 18:34 PM
From: Michael Foley
18 December 2020 18:22 PM
From: Michael Foley
18 December 2020 17:55 PM
From: Michael Foley
18 December 2020 12:45 PM
From: Michael Foley
17 December 2020 19:21 PM
From: Michael Foley
17 December 2020 12:51 PM
From: Michael Foley
17 December 2020 11:15 AM
From: Michael Foley
16 December 2020 09:24 AM
From: Michael Foley
16 December 2020 09:05 AM
From: Michael Foley
11 December 2020 16:11 PM
From: Michael Foley
11 December 2020 12:40 PM
From: Michael Foley
10 December 2020 22:37 PM
From: Michael Foley
10 December 2020 19:23 PM
From: Michael Foley
10 December 2020 15:56 PM
From: Michael Foley
10 December 2020 13:03 PM
From: Michael Foley
10 December 2020 12:45 PM
From: Michael Foley
09 December 2020 12:16 PM
From: Michael Foley
09 December 2020 10:58 AM
From: Michael Foley
09 December 2020 08:55 AM
From: Michael Foley
07 December 2020 22:03 PM
From: Michael Foley
07 December 2020 17:44 PM
From: Michael Foley
07 December 2020 11:50 AM
From: Michael Foley
07 December 2020 10:00 AM
From: Michael Foley
07 December 2020 09:43 AM
From: Michael Foley
07 December 2020 09:37 AM
From: Michael Foley
04 December 2020 17:11 PM
From: Michael Foley
04 December 2020 15:31 PM
From: Michael Foley
04 December 2020 11:44 AM
From: Michael Foley
03 December 2020 14:46 PM
From: Michael Foley
03 December 2020 11:48 AM
From: Michael Foley
02 December 2020 16:41 PM
From: Michael Foley
02 December 2020 12:15 PM
From: Michael Foley
02 December 2020 10:01 AM
From: Michael Foley
01 December 2020 21:18 PM
From: Michael Foley
01 December 2020 14:42 PM
From: Michael Foley
01 December 2020 10:14 AM
From: Michael Foley
01 December 2020 09:43 AM
From: Michael Foley
30 November 2020 12:04 PM
From: Michael Foley
30 November 2020 10:45 AM
From: Michael Foley
28 November 2020 22:36 PM
From: Michael Foley
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