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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think it's disgusting the amount of landlords who won't accept DSS?

655 replies

7hup · 22/01/2019 16:23

My friend is 36 and just been kicked out by her boyfriend because she had a mental breakdown and multiple suicide attempts .

She's just been released from hospital and has been given a B&B room as temporary accommodation.

She has to claim universal credit as she is in no fit state to work.

Council said if she can find private housing they will cover her first month's rent/deposit/fees.

No where takes housing benefit.

It's unfair.

There's no council accommodation and no private landlords will accept it.

She's 36. No children. No pets. Doesn't drink. Doesn't smoke. Is quiet and polite. Keeps to herself. Clean and tidy. She just needs a home :(

Its working people too. My Dsis has a kid and can't move out of my mums because she works only 16 hours because of her son so would receive housing benefit. So she can't move either.

Even on Spareroom. Co. UK in our area there are 674 rooms.

ONE takes DSS. And is dou le the price of similar rooms

It's so unfair :(

OP posts:
Floandme · 22/01/2019 23:54

I've just had a scroll through Rightmove, 99% 'no dss no pets no smokers'. Had a good laugh at the houses on the sink estate who will only rent to professional couples (hint, they don't want to live there)

Interesting how many agents are pushing for the 'nil deposit' scheme at the moment. From what I can tell it removes all the protection from tenants against landlords taking the piss at the end of the tenancy. And makes a nice little buck for the letting agents in the process. And removes all the pesky deposit scheme business.

Floandme · 22/01/2019 23:55

Yeah. That definitely didn't happen

Wordthe · 22/01/2019 23:59

Sharp as a tack

Oliversmumsarmy · 23/01/2019 00:03

For a lot of landlords they have a mortgage and insurance, neither will allow the Landlord to take dss.

Housing Benefit now gets given directly to the recipient.

Even if a land lord didn’t have a mortgage and wished to rent to people in receipt of DSS they will want the housing benefit paid directly to them.

This is the downfall as the forms are too difficult or ridiculous to fill in. Or the form does not exist or I have heard, not sure if this is a thing nationwide or how true it even is
the landlord has to rent to the HB tenant and let them go 3 months overdue before they are allowed to apply for the HB to be paid directly to them

It isn’t for a lot of landlords because they have anything against HB. Their hands are tied.

Mojito8654 · 23/01/2019 00:05

I have a couple of houses in NE. I let to students, room per room.

I originally wanted to let to dss, but saw the literal shit left in the street, and decided against it

worridmum · 23/01/2019 00:11

Seriously the Uk does this WORSE then the US in the US private landlords CANNOT refuse to rent to anyone if they can afford to rent it no ifs no butts even people on state benefits you as a landlord caught breaching this law in some states would have your property seized and heavily fined and or jail time.

Was a case were a landlord evicted a veterian from his house because they were pensioned off from the military so went onto a "benifet" and landlord automatically attempted to evict him. She found out the hard way.

Its such a good feeling that our country treats poor people / people on benifets worse then the US.

./ sarcasm before anyone rants at me.

Oliversmumsarmy · 23/01/2019 00:17

Seriously the Uk does this WORSE then the US in the US private landlords CANNOT refuse to rent to anyone if they can afford to rent it no ifs no butts even people on state benefits

But the US have different mortgage rules.

If you are found having breached the terms of the mortgage you stand to lose the house

mumsastudent · 23/01/2019 00:19

being told that they wont pay on time because they need housing benefit for their dc birthday plus party - I kid you not! um no? Hb benefit is worked on the bottom third of an area (ie includes countryside round towns) which mostly means that it would only pay for (say) a 2 bedroom flat or some run down building in the middle of nowhere with no buses, facilities, schools etc. The 2 bedroom homes may therefore include over 60's flats or accommodation where the second bedroom is a tiny box room that is only just able to fit a small single bed - hence a family with 2 children wouldn't even be able to pay full price for housing association house -& many ll don't charge astronomical rents - blame the system. The brilliant idea (not) of giving responsibility (! ie its easier?) to tenant to pay over is the main reason insurance companies wont agree to benefit tenants -

WingingWonder · 23/01/2019 00:21

Unfortunately, the experience I have (I’m not a LL) is that it’s a few spoil for all
ALL my friends who have become LL have Had poor DSS experiences- these aren’t people with rental empires but people who couldn’t sell houses when they had to change jobs etc
When rent got paid dorectkyvit wasn’t an issue, now if you don’t get the cash you have to evict someone and that’s even worse for all.
My friend is a cleaner, and he said the star of houses left is shockingvtoo...

mobyduck · 23/01/2019 00:41

I remember Maggie Thatcher giving huge discounts so social tenants could buy their homes.
Not sure of the politics or economics about that.
But I think everyone should buy a home. Scrape the money together while you are young, beg steal or borrow from family, and get your first place, even if it is a one-bedroom flat!
Learn a little about maintenance, to get rid of damp, etc.
Well worth it.

Lillygolightly · 23/01/2019 00:52

I’ve rented all of my adult life and I’m now not far from 40.

Every property I’ve ever rented has been treated with care and respect and rent always paid.

Every landlord was great at the beginning...I stress at the beginning because it rarely stayed that way.

There was the landlord who would drop round unannounced and at odd times to check on his house. Same landlord asked me to be in on a certain day to allow for a property valuation as he was remortgaging. I took the day off work and stayed home with my baby and who turned up but an estate agent and a family of four to have a look around! I wasn’t even aware it was up for sale, nor had I been asked to accommodate any viewings. When I expressed my severe dissatisfaction to the letting agent the landlord decided to again visit without notice to be threatening and aggressive and shout at me about it.

Then there was the landlord who stole 2 months of rent, I had been there 3 and a half years and despite being provided with unequivocal proof of payment he insisted it had never been received. I had to agree to give him an extra months rent just so I wouldn’t get a negative reference for the next property I was hoping to move to. He also kept all of my deposit! It wasn’t agency handled and the landlord was such an arse and as I was busy also relocating my business to new premises I didn’t fight it.

Then there was the landlord who had a house in some serious need of updating. We wrote into the contract that the rent would be slightly reduced if I undertook the work, included in the contract was paint colours and all sorts of details we had meticulously gone over. 4 months in the work was completed, landlord inspected said it was lovely and was pleased with the work. Come the renewal period of the tenancy which we decided not to extend as it turned out the property had a serious damp problem that the landlord would not sort out. Landlord decided they wanted all of the deposit back as they didn’t like how it was decorated despite it having been agreed and in the contract and despite inspecting it afterwards with no issues. I fought that one but still didn’t win all of my deposit back and had to agree to a split!!

Then there was the landlord who was entering into an IVA and informed me that due to this could not accept the final 2 months rent (house was being repossessed) was sorry that I would have to move but to please take the 2 months rent as compensation and use it to move elsewhere. I was sympathetic and agreed to move and do what I could to make things simple and easy etc. When it came time to refund the deposit it was again withheld because I didn’t pay this 2 months rent. Didn’t win that one either and ended up having to agree to a split.

The landlord who did every check under the sun on me and dp and 2 and half months after moving in we were evicted by her mortgage company because she hadn’t been paying it. I lost all of that deposit and a months rent as the rent had been paid literally the day before the eviction. I was pregnant at the time and was given a hour to get out! I had to live in a hotel (at my own cost) for almost a month. I took that one up with solicitors who said the expense of claiming wouldn’t be worth it as I would have to take the letting agent to court who would then in turn take the landlord to court and it was best just to move on. That was 3.5K down the drain right there and that’s not including the hotel and cost of moving out my furniture paying storage and then moving to a new place.

All of these houses were nice houses detached 3/4 beds in nice areas. I never would have anticipated such problems from any one of them. I know better now and anticipate any kind of problem no matter how posh the property/landlord might seem.

Due to some of the above landlords I have negative things on my credit report which makes moving all the more tricky even though I can afford to do so. It’s annoying to have never left a property in any other state than how I found it and to have always paid my rent and to still struggle.

Being a landlord doesn’t make you any better or worse than any other person regardless of whether that person claims full benefits or not. I am also absolutely sick of being looked down the nose at by letting agents, landlords and only knows who else because I’m not in the homeowners club, this is despite being a smart professional, run my own business, wife and mother. God knows how anyone else in less fortunate circumstances must feel.

It is a sad and frankly rediculous state of affairs we have gotten into in this country. Reading this thread has made me so sad, so many ignorant people, so many people quick to blame those who are struggling financially, I hate hearing all this it’s their own fault garb. It’s just sad especially having been at the mercy of actually being evicted due to no fault of my own, no one with the means or a bloody choice would sit in a property waiting to be evicted.

Sorry that was so long, but I felt I had to make a point benefits or not it’s not always the tennant at fault. The situation is such that people are so easily trapped in the system. The housing situation “crisis” will become very much worse before it ever gets any better. We are all too busy and preoccupied with Brexit anyway. sigh

nanny2012nanny · 23/01/2019 00:57

Mainly because the utc gets paid direct to the tenant instead of the landlord

nanny2012nanny · 23/01/2019 00:58

Sorry sent before I’d finished! And the landlord doesn’t end up seeing it

mobyduck · 23/01/2019 01:01

Lillygolightly- why not buy?

knittedjest · 23/01/2019 01:13

You just have to spend some time on here to figure out why. Oh somebody can't pay their rent. The advice they get? Don't pay and don't leave. Make them evict you. As somebody with several rental properties I can't be fucked dealing with that. It may be a risk either way but it's a much bigger risk if the person can't pay their own rent to begin with.

mobyduck · 23/01/2019 01:25

Well, I would just buy. Why pay a landlord's mortgage for him? Everyone should buy a property- it is not hard. All you do is apply.

ruffaloBuffalo · 23/01/2019 02:28

100% of issues I've had (8 small properties let) have been from tenants receiving benefits.

Why would I make my life harder?

Besides, modern life is about making a group responsible for the actions of a few. Your friend needs to be "calling out" bad tenants, I believe.

HelenaDove · 23/01/2019 02:34

"Besides, modern life is about making a group responsible for the actions of a few"

Isnt that what the OP did when she called MN a bunch of elitist cunts? You didnt really think through posting the above did you?

ruffaloBuffalo · 23/01/2019 02:44

@HelenaDove

Yes, that's vaguely what the OP did. I have no idea what that has to do with my not thinking through my opinion.

swingofthings · 23/01/2019 05:24

many in your position would have no option but to sell at a reduced price
would be first time buyers will be able to start investing in their own future rather than in someone else pension
the same amount of homes will be available

Why are you assuming my property would be affordable to first te buyers?

Why are you assuming that investing in a pension is a bad thing? It might mean that I can retire early leaving my job to someone else who need one (so that thry can maybe rent easily). It mean that I might still need to pay tax after I retire and certainly mean avoiding being a candidate for pension credits.

This thread just confirms what is really sad in our current society that those who chose to invest in their future are viewed with such negativity. Those who rely on benefits, ie. Relying on those who pay more into the pot then they take out of it considering that they have no right to possibly have more than themselves in later life.

We are killing any value of investment and reward in this country (and others). The same people are e pected to continue to put all the investment in but should do so e pe ting nothing at the end because its not fair they should get the things those who can't be bothered to invest can't.

swingofthings · 23/01/2019 05:30

Why is a decent, hard working single parent or somebody who is disabled and claims HB allowed to be turned away from renting, and therefore potentially made homeless? I'm not attacking the LLs as such, more the system
Many single parents rent privately or are home owners. They are those who chose to have children after they've finished their education and a good job and chose to continue to work FT after having children...because they didn't want to risk being in the position of not being able to rent.

Many disabled people rent or are home owners. They are those who also invested before becoming disabled. They took out insurance to protect themselves or indeed, saved money.

Some never have that choice and are truly vulnerable but many do.

ivykaty44 · 23/01/2019 05:36

In the area I live there are NHS workers who live an hours drive away due to the fact they can’t rent privately as they don’t earn enough. Nothing to do with HB or UC but that landlords agents won’t touch single occupants under £25k per year

TakemedowntoPotatoCity · 23/01/2019 05:48

This thread is making my blood boil! Stupid, offensive comments such as the one at the top of this page - 'I decided to rent to the hard working couple with kids in private school'. This 'couple' have everything as it is, let's continue giving them an easy ride. Ahhh does it matter their kids are in private school? And why the fuck are they renting and not buyin g if they are so rich? You sound like a n elitist snob.
Not all benefit recipients have feral kids and don't pay their rent but it seems the majority on this thread think they do, or will make up bu llshit stories to compound their selfish views. As long as you're alright in your ivory towers.

TakemedowntoPotatoCity · 23/01/2019 05:50

And another thing - you could cherry pick from 18 applications. People's lives in hope while you dilly dally. The market is truly fucked. If you had one application from someone in receipt of see and it was either take them or get no rent, youd take them.

ivykaty44 · 23/01/2019 05:57

It’s ok renting to the couple with kids in private school

The reality is 5000 jobs have just gone at JLR and the chap with kids in private school ( grandparents pay the school fees) has lost his job and he’s applying for UC and council tax relief

The rent far exceeds the housing element of UC...

You can can’t ask or find out whether he’s on UC due to GDPR and if he gets another job and continues to pay the rent - how will you know if there is benefit propping up the rent?