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  • Buy-to-Let

    HB/UC landlords becoming endangered species?

    I have been asking some pretty stupid question recently about the difficulty I am facing letting a flat, because I am on LHA/HB, and the impression I get is it's generally the speed that the local councils deal with the HB claims? and with the new changes in section 21, it will slow things up even more making landlords less likely to take on a LHA/HB tenant?

    Is this a fair summary? Like someone needs to put a rocket up the ass of the government/local councils?

    If this is a case something needs to be done to make life easier for both the landlord and perspective tenant(s) alike?

    I just want to make sure I have got a good grasp on the situation, or is there something afoot I am not aware of?

    Generally what kind of time would a landlord be willing to wait for a claim to go live?
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    That is a fair summary Darius - although not the whole story - added to which many landlords won't take tenants in receipt of UC because they cannot get direct payment to landlord. 

    Many landlords are also leaving the sector due to increasing regulation, legislation, and taxation, therefore there are fewer landlords to provide private sector accommodation, which means that those that remain can cherry pick their tenants and will almost certainly prefer professional tenants in receipt of a salary.

    The landlord associations have repeatedly warned that all these changes will end up impacting negatively on tenants, and it seems you are the first tenant to indicate that you are being affected (not that many tenants post on here).

    This video documents the challenges that are deterring landlords from being involved in the sector:

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    Hi

    Problem is with a private tenant we get deposit and first month's rent the day they move in, I've got a couple that are now on UC he's been laid off work and its 8/9 weeks and haven't got a penny ... not their fault its just the system - it just doesn't work for landlords.

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    The fact the tenant receives the HB payment for the landlord is ludicrous, who came up with that little gem should be shot.  

    Obviously there can be tenants with certain money controlling issues, this is a given, so wouldn't it make sense that the landlord receives the HB payments directly, or have I missed the point, this direct action would solve a lot of problems, eg. the landlord gets the rent directly, thus eliminating missing payments for whatever reasons, thus saving additional housing issues/homelessness to a frankly already bad situation, with the landlord receiving the maximum LHA payments directly, that would then remove a lot of worry from the landlords perspective?

    Does that make sense?

    All the landlord would have to do is chase the rent top-up if needed, and if you have a decent tenant, no problem, or have I missed something, it's peace of mind for everyone surely that makes logical sense? Doesn't it?
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    In a nutshell Darius the govt wants everyone to work for them for free. There will be no gold plated pensions mind you.

    As far as UC system, the government could have just had a national register of landlords and pay them direct. By doing so, it would mean they would at least have collected taxes back. But then they wouldn't make as much money as from late self-assessment filings.

    So UC was born, they pretended like it was for everyone's benefit, how everyone will be responsible for their own budgets. It was a fudge. It was essentially a way for the govt to cut their deficit at the expense of private landlords. How? Tenants pay rent late. Landlord has to give them notice. Tenant falls into poverty trap waiting for their money to be restated. Landlord doesn't take them to court since he would be throwing good money after bad. Winner is the govt.

    They got £2-5k of free money at the expense of private individuals savings. Then to make matters worse, they call everything a civil matter. Remove legal aid so people don't have recourse to justice. Cut civil servants and magistrates, so evictions take 6-9 months. Would you take a housing benefit claimant on those grounds?

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    I had absolutely no idea it ran so deep as that, has anyone on here tried to campaign for change to this system? I am thinking about "crusader for the little guy" like 38 degrees to start a campaign to speed up the claim processing time, I mean not only are you guys (LL) are getting screwed, but it also makes things impossible for tenants to try and improve there situation, I mean in theory if they can get enough signitures surely the government would have to concede wouldn't they, to restructure the entire system, but I do see the problem of an unstoppable force trying to move the immovable object.
    Without getting into politics if a Labour government came in, would that make a reform easier?
    Sorry I have a bee in my bonnet now, there must be a solution to this problem, these people in charge are making my life very difficult to relocate and this is essential for my health, hence the bee in my bonnet (hat, not the hood of a car)
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    I will take benefit tenants but the council won't let them rent from me as

    LHA for a room = 350, rent = 650-750

    LHA for 3 bed property= 997, rent = 2000+

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    News in today:

    Significant changes are being made to the Universal Credit system that will see the housing element of the benefit paid directly to landlords at the start of a claim.

    Currently, both social and private tenants who claim the controversial benefit are responsible for making rent payments to their landlord themselves.

    But research shows that many tenants would prefer to have the assurance that their rent is paid direct to the landlord and now it would appear that their right to do this will finally be introduced as part of a new Universal Credit system.

    Full/source article

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    How funny, I was talking about that yesterday, result
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    The whole system is a fuster cluck

    I struggle to think of how one could design something so bad

    As a LHA landlord of 20 years I  can see the flaws as they are written

    I know they wont work and they dont work time and time again

    But its primary school mistakes the government make

    And they are not at primary school so you know its a deliberate plan to deceive

    They gave an alcoholic tenant of mine LHA paid direct to me

    It then went to UC without my knowledge and the rent went to her

    No one thought about informing me let alone  asking me for a reference for her

    But instead put £650 pcm in her pocket . They set her up to fail

    She drank 3 months worth of rent and almost killed herself

    They pick on the most vulnerable who have no support structures in place

    It should be a transparent  3 way relationship between the landlord, the tenant and the DWP

    The landlord though is purposely shunned and ignored

    So it is planned fuster cluck with political motives and both the tenant and the landlords are sidelined

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    Jonathan Clarke. http://www.buytoletmk.com


    It was working quite well (never very well, hey, it is Govt. after all) pre-UC - then some idiot decides lets save a couple of £quid by paying in one chunk.

    The tenant gets shafted, plus the landlord as well!

    I'd forgotten that this was yet another Con pipe-dream (aka. stuff-up), yet another one to add to the long list of reasons not to vote for them again.

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