Poor Housing Association Performance with Shared Ownership Tenants
Posted in: Need to Know | Ask the Experts
23/07/2010 12:29 pm
I was given a fantastic leg up by Landmark Housing Association in 1999. I entered a shared ownership deal and moved in to a property in Kensington London. Over the years I have staircased and now have a mortgage on 100% of the value of the property. I love the property and the area I live in and have invested a significant amount of my life savings in to this property both in renovations and mortgage payments.
Now that the property is over 10 years old it has started to need regular maintainance. Landmark is no more and Family Mosaic took over the property. We are adjacent to another building of rented accommodation also managed by Family Mosaic.
As residents who are shared owners and full owners we have recently formed a resident's association due to our frustration at the housing associations failure to maintain the building to the standard that is required. We have had meetings with them, exchanged emails, had site visits etc. Usually we are promised fixes for the problems that we notify them of. In most cases these promises are empty. We have filthy carpets in our common areas, paint peeling off external window frames, damaged doors and damaged plasterwork. None of this is ever fixed despite notifying the housing association, complaining by phone and complaining by email and letter. It's extremely frustrating that our complaints seem to fall on deaf ears. The housing ombudsman tells me that we have no recourse because we are not tennants but part owners and owners.
This housing association, Family Mosaic, may be very good at managing the thousands of rental tenants they have but they are not very good at looking after their shared ownership tenants. There is one fundamental difference between us and renters, we have invested in our properties and we are seeing our investment depreciate through failure to maintain our building to a satisfactory standard.
Family Mosaic are not up to the job, we want to get rid of them, to be given the opportunity to manage the building ourselves or to pay a management company to do a decent job. We can't continue to live here and watch the building that we have invested in deteriorate through neglect.
Who can we turn to to help us in this situation because it seems that there is nobody out there who can help us.
Can you advise me please?
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23/07/2010 7:12 pm
Not until the Right to Manage provisions of CLRA 2002 are extended to include RSL's will the situation change. RSLs were excluded due to the lobbying of council and HA officers and related associations at the time. Private sector leaseholders can forcibly remove an incompetent managing agent under these provisions. However public sector leaseholders are stuck with their incompetent LA/ALMO/HA.
Write to Grant Shapps and request the RTM provisions are extended to RSLs now, as they were intended to be from the start. When that's in place, your HA will be vulnerable to legal action. Until then you are stuffed unless you wanna try filing an LVT but I dont think they would touch it, see
http://www.rpts.gov.uk/our_services/ld.htm
for what RPTS do cover. Try also speaking to LEASE for more....
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29/07/2010 3:58 pm
Yet another example of HAs ugly attitude towards residents about a matter they have been so clearly notitifed about time and again.
These HAs managers waste their time, time of their officers, make everyone worried sick and still keep giving falso promises and then suddenly, after having wasted all their time at just ignoring residents concerns or brushing them off, while getting happily their salaries, come up with yet another promis to discuss concerns further.
I am waiting now to see how much are they prepared to pay in compensation to these residents for all the aggravation and discomfort they had to go through or whether the residents will have to go to court to get any compensation.
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29/07/2010 4:10 pm
Thanks Kass,
Well they certainly use a different definition of immediate because two and a half hours after their anonymous reassurance that someone would contact me 'immediately' they have yet to make contact.
I shouldn't be too hard to find, my name is Martin Gray and I live in Ashmore House.
Just to illustrate how bad things have got I have just heard from a member of our resident's group that two gardeners from New Green, employed by Family Mosaic just tried to dump gardening waste from other properties in our bins. They were later asked by a neighbour from the adjacent property to complete the job in hand - collecting leaves that had fallen last autumn - the lady was then verbally abused before the gardeners drove off without tending to our property. No change there then.
This kind of event is common place at our development, we have complained to Family Mosaic (and the contractor New Green) and yet we still have to live with this.
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03/08/2010 10:11 pm
We have recently been looking into the possibility of RTM for one of the fully shared-ownership blocks on our Estate. Even though most leaseholders in the block do not own 100%, we have been advised by our solicitor (after much research) that we are able to assume the management from the Housing Association. The percentage of overall ownership is irrelevant, according to the legal advice we received. Should anyone be in a position to advise us differently, we would be very grateful if you could email us at: iratesw6@gmail.com
For further information abour our resident group, please visit: www.iratesw6.co.uk
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04/08/2010 2:27 pm
Ben Perl, I think you've been advised wrongly, RTM doesn't extend to RSLs, and so whilst your solicitor is correct that your status as a shared owner won't affect anything, they are wrong that you can claim RTM against an RSL. RSL's are exempt from the legislation for some very good reasons.
Martin, you're problem is easily solved, stop paying your service charge, if you are correct and they are not maintaining the building then you shouldn't pay for a service you are not receiving.
You may also like to consider the possibility of taking them to the LVT, but that may prove costly.
I'm fairly certain the Ombudsman is wrong, it is his jurisdiction to hear complaints about an RSL, regardless of whether you are a shared owner. However, you will have to take the complaints process seriously, that means going through every level of complaint within the RSL and then taking it to the ombudsman. Most RSLs have a defined complaints procedure and, whilst some are slow to respond, they do have to respond and you can report them to the TSA if they don't respond.
You could raise the problem with the TSA, and with the local authority, both of whom would generally be interested to here about this.
Finally, and whilst you've already started this, it is in IH and not the populist media, you should consider highlighting the problem to the local media, and perhaps even the national media if they will listen. Your local paper and probably local news station may well take the story on. RSL's don't like bad publicity.
Hope some of this helps, but I will check back if you want to post further.
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04/08/2010 4:18 pm
RSLs are NOT exempt from RTM under the CLRA provided there are no S/O units or rented units in the block then you can proceed. I would advise you to contact LEASE for initial free advice.
I have direct experience as a Business Development Director at an RSL, and advisor to DCLG (as it was then) when the legislation was drawn up.
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15/08/2010 8:15 am
Thanks for your supportive posts. I have now had contact with Family Mosaic. I received a letter from their Group Operations Director, despite this in the same week they have sent letters demanding final payments for bills that they had previously cancelled and a statement of intent to merge their shared ownership management with the rest of their concerns - this causes me great distress.
I will take your advive and contact LEASE from my reading of the various online pamphlets about the 2002 egislation particularly "Shared ownership issues
Leaseholders with ‘shared ownership’ are not generally able to participate in RTM. Shared ownership means that leaseholders only own a percentage of the equity in their property, with a housing association, or occasionally a private company, owning the remaining share of the equity. However, some shared ownership schemes do allow leaseholders to buy all the remaining equity in their property, which would then make them eligible to participate in RTM. It may still be difficult to achieve the required number of qualifying tenants, though, in blocks with a significant numbers of ‘shared’ – and therefore ineligible – owners: two-thirds must buy all of the equity in their property and at least half of the leaseholders in the block must participate." it would suggest that we should be eligible for RTM if the numbers stack up.
Ben, can you let me know who the solicitor is you worked with?
Many thanks,
Martin
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20/08/2010 9:59 am
Hi Martin I glad that things look like on the up but please any meetings ensure one of you take down Minutes of the Meeting. Do you not have a sinking fund for major repairs. I am no expert. Remember the government is winding up TSA - I would ask that a Councillor Board Member is present at the meetings and you write to the Chief Executive of the Local Authority and ensure that aware of the short comings of your Housing Association.
I would also write to the Chair of the Board and ask for a auidence with the Board. Because if the Board is not made aware how can they ensure that Management and Staff adhere to rules
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