Saturday, 01 November 2014

Rent free way of beating greedy HA's

Posted in: Discussion | Policy forum

29/02/2012 3:28 pm

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Anonymous

Anonymous

25/04/2012 4:31 pm

As a housing professional who understands rent setting regimes, what I find more concerning is the general lack of understanding as to how / why social rents increase and the way in which they are set.

I do not beleive that blame should aimed at the Social Landlord as rents charges and increases are governed by rent increase / setting policies they are required to adhere to by the government / regulator.

One matter that could be improved is access to information that empowers tenants with the knowledge of how their rents are set and the increase provisions.

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Peter Wicks

Peter Wicks

Posts: 29

01/03/2012 11:20 am

Thank you Chris...I will die a thorn in the backside of any oppressor of those who cant defend themselves...I hear all that you say my friend, but this bloody minded old soldier has a axe to grind with HA's and my notice of a 8% rent rise is the last straw.Under the Freedom of Information Act I have found out they paid £8k for the roof over my head back in 2002...this they paid for 6200 council homes, regardless of size and number of bedrooms...£55 million with a loan from RBS, but the real price they should have paid to the council and the tax payers of my Shire county was over ONE BILLION POUNDS(market price in 2002)..The vast amount of the population are completely unaware of this appalling daylight robbery committed by both the council and the HA...but I need just one more bit of the jig saw to complete the picture..the price they will ask for my right to buy this bungalow(and yes, I have that right still, I was offered it many years ago)

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Chris

Chris

Location: Progressive Solutions Required
Posts: 379

01/03/2012 10:12 am

Peter, out of respect to your service to the nation, and recognising the suffering inflicted upon you by successive Tory government - both red and blue - let me share this with you.

Only the tenant may exercise the right-to-buy. Your discount will reflect all your years as a social tenant, regardless of where you were that tenant. You will also qualify for a consideration for your years in service as if you were a social tenant. Therefore it is to be expected that you are due a full discount (which may have a higher value if Shapps ever releases the findings of his 'consultation')

Another person may purchase with you if they can prove they have been resident with you for over a year. In your case, a much younger family member may be more in a position to secure a mortgage with you than you would on your own.

There are not legitimate companies of the kind you enquire about.

Now, let me share some anecdotal knowledge from when I was Chair of Housing at a certain local authority in the bad old days of the Tory Right to Buy in full vigour.

Such was the clamour to take advantage of the massive tax handouts, children stood as guarentors for their elderly parents. Others took second mortgages on their own homes and used the money to fund their parent's purchase. Others simply claimed to have lived in the home for the required period and led the purchase. The Council only had to be satisfied that the tenant could secure the funds to buy the home, not how those funds may be secured.

There is a difference between now and then. Those 'children' were able to take advantage of the massive relaxation of financial regulation and the political pressure to divest council housing at any cost. That means it was easier then to take advantage of the system so that non-residents and extended family members could effectively exercise the Right to Buy on the tenant's behalf, and acquire the property when the tenant died.

Now the bottom line - you live in a bungalow. If this is designated elderly accomodation, or special needs adapted accomodation, you may have no right to buy, even if you transfered with a tenancy that preserved your right to buy. Also, there is likely to be much higher vigilence of claims of others living with you than if you were in an alternative form of property. I suspect that you can not buy your home for this reason.

My advice then is, as angry as the situation makes you, don't lose your own principles, sit tight, but remain an ever growing thorn in the side of the establishment that attacks you and so many of your peers.

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munchboss

munchboss

Location: am a highly involved tenant
Posts: 45

01/03/2012 9:45 am

hallo again peter , understand what you are saying m8 , have you tried inside houseings "ask a profesional service" i believe they do run 1 and you may posibly get an answer you can post for everyone ,rgds and best

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Peter Wicks

Peter Wicks

Posts: 29

01/03/2012 9:41 am

Thanks for the last two replies, but regardless of regional differences in rent and the Shylock merchants out there who will rip one off. I need a professional answer to my question with the greatest of respects....

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munchboss

munchboss

Location: am a highly involved tenant
Posts: 45

01/03/2012 9:25 am

fair comment but when you get to an age that should be comfortable to live for the last bit sometimes being ripped of can be a comfort because of what you get to enjoy before you pop ,,, i agree there must be companies out there that just ripp people but theres allways 2 sides and there must be companies that dont ,,,,,,

i wish i could disagree with you on the £400 rent bit but cant because it all comes down to where and who you rent from , my area 1 bed bungalow £80+ per week but if yer lucky enougth to be working wages average about £135 a week take home , london 1bed bungalow what £150 perweek , but take home pay average £275 ,

no matter where we live what we do there will allways be differences in araes that control the market ,but remember they can only do this because we a  public allow them to

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mfm

mfm

Posts: 35

01/03/2012 9:11 am

I'm not a professional but I understand that these sort of companies do exist and the government is trying to regulate them as it appears they have been exploiting people in financial difficulties and getting them to sign agreements that proved to be dodgy to say the least.

I must admit, maybe its just because I live in London but £400 for a 2 bed bungalow seems reasonable?!  Sorry!

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Peter Wicks

Peter Wicks

Posts: 29

29/02/2012 6:44 pm

We would love to hear from the real professionals on this subject...are there any companies who undertake this sort of under taking...seems there is a golden plumb ready for the picking out there..... 

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Anonymous

Anonymous

29/02/2012 5:22 pm

It sad and tragic that social tenants have been put in such a desperate plight after they have done so much for their country... God, it must be real messy if having done good all your life you are left feeling like that... it looks like I;m going to feel exactly the same... thanks to politicians and social landlords, eh? they really messed us up to change our very good-natured spirit into one of despair.

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munchboss

munchboss

Location: am a highly involved tenant
Posts: 45

29/02/2012 4:23 pm

yep peter i agree , ime not far behind in age section and have seen a few of my friends leave us with out a will and its all gone back to the state where as if there had been a company that did it , i know they would of gone down that road just so they didnt have to getto the  pass on stage  worrying about  wheres the money comeing from shall i pay my rent or get food and why the hell did i do my bit for king,queen and country to have to worry about this at my age

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Peter Wicks

Peter Wicks

Posts: 29

29/02/2012 4:12 pm

Hi Simon...It seems a win,win opportunity for some budding eagle eyed entrepreneur housing wizard to make a killing...They fork out a few grand to acquire the deeds of a property that will increase with value...the gamble they take is how long we will live?...could be a week after we sign up for the deal or ten years and at 75 the odds are in their favour of a quick return of their investment....

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munchboss

munchboss

Location: am a highly involved tenant
Posts: 45

29/02/2012 3:48 pm

fairr play peter ,now thats something worth reading and worth checking out ,,,, there must be some company that only does that kind of thing , if not then theres an opening for 1 to start {not me ime a tennant } ime going to watch youre post,

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