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Council disclosed information to landlord
Comments
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Actually there is a way you check, and that is by getting credit referencing at the beginning of your tenancy. Plus it does say they are excluded, it also excluded rental to students. I'm pretty sure your not a mortgage lender or insurance company, so to say that doesn't mean they are excluded is wrong. the whole statement in there mentions Exclusions
Agree with this. i can confirm that my insurance won't be valid if my tenants are in receipt of housing benefits. That's because the premuim are higher in this case. One can disput the fairness of this, but that's how it is.
I also believe that it is the right of tenants not to let to those in receipt of housing for whichever reasons and they have a right to know whether it is the case.
However, I agree that it is up to the landlord to check this by requesting a credit check and confirmation of employment/salary.0 -
Agree with this. i can confirm that my insurance won't be valid if my tenants are in receipt of housing benefits. That's because the premuim are higher in this case. One can disput the fairness of this, but that's how it is.
I also believe that it is the right of tenants not to let to those in receipt of housing for whichever reasons and they have a right to know whether it is the case.
However, I agree that it is up to the landlord to check this by requesting a credit check and confirmation of employment/salary.
So how does this work in practice - is this *any* amount of HB? Just HB? Or HB and LHA? Are you not allowed to have tenants who are working but on a low income and receive, say, £10 a week in LHA?
And how can this stand up in law if you perform the required checks at the start of the tenancy but then, during it, the tenant loses their job and claims LHA, but the only way you can find this out is by breaking the law through a breach of the Data Protection Act?
Would landlords not be better served by choosing more expensive premiums that will remain valid if an employed tenant subsequently loses their job or starts earning less and begins a claim for LHA?0 -
Credit referencing won't tell you they are on HB/LHA.Actually there is a way you check, and that is by getting credit referencing at the beginning of your tenancy.
Plus it does say they are excluded, it also excluded rental to students. I'm pretty sure your not a mortgage lender or insurance company, so to say that doesn't mean they are excluded is wrong. the whole statement in there mentions Exclusions
What is the wording ?0 -
What is the wording ?Agree with this. i can confirm that my insurance won't be valid if my tenants are in receipt of housing benefits. That's because the premuim are higher in this case. One can disput the fairness of this, but that's how it is.
I also believe that it is the right of tenants not to let to those in receipt of housing for whichever reasons and they have a right to know whether it is the case.
However, I agree that it is up to the landlord to check this by requesting a credit check and confirmation of employment/salary.
Just because someone is excluded from the rental at beginning if they claim HB/LHA, does not mean the insurance is invalid if they later claim HB/LHA if they were previously working.
Both landlords & tenants have rights.0 -
Credit referencing won't tell you they are on HB/LHA.
What is the wording ?
credit referencing and referencing will tell you if they are employed and if they can afford based on their wages the ret you are proposing, also the tenant must disclose if they are on benefits.
if you want the wording, go out and find a contract yourself instead of questioning when your question has been answeredSTARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000 -
No it won't.credit referencing and referencing will tell you if they are employed and if they can afford based on their wages the ret you are proposing, also the tenant must disclose if they are on benefits.
if you want the wording, go out and find a contract yourself instead of questioning when your question has been answered
No wording.0 -
Agreed....referencing will not tell you if someone is employed or not. I can always give my mates name and number to give me an employer reference even though I am self employed. My tax details are confidential. My payslips are non existant. My accounts also show minimal profit so I am not on benefits as such but on tax credits. The potential tenant may not even be on benefits at all until they actually have the property. e.g. a wife or husband asked to leave the marital home by the other will not be on benefits...yet...No it won't.
No wording.
I've seen the wording myself too and it's only for tenants who are already on benefits and those benefits are full benefits. It annoys me every time I see this. I have about £6,000 in cash yet I allegedly can't rent from some landlords who say "NO DSS" because they (the insurance) claim that they can't trust me yet I can easily afford the rent due to housing benefit paying all of it.
Please if someone could link to the insurance wording on another policy excluding all who claim just a few pounds of housing benefit claimants I would like to read it. All on minimum wages therefore can never rent as they are all entitled to some form of housing benefit. Add children to the equation and many more can claim at least a few quid in housing benefit. I've seen it in my local area. £500 rent therefore monthly salary of £1500 required to be affordable but on that income someone with 3 kids would get some housing benefit for an appropriately sized 3 bedroomed house. So who rents that house that says NO DSS???? No one...If you earnt more you would rent the nicer place down the road as it's affordable.:footie:
Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2.9% per year (Nationwide) = FREE money. 0 -
Agree with this. i can confirm that my insurance won't be valid if my tenants are in receipt of housing benefits.
Insurers are funny like that as they are happy to take your money but look for the slightest thing to not pay out. That's why I can never understand why people take out landlords insurance when they haven't got permission from their mortgage lender to even let the property.
A friend of mine was just refused his claim on a kitchen fire when the extractor fan caught fire and gutted the kitchen and did some smoke damage in one other room. Fortunately, the tenant had the sense to close the kitchen door. The insurer checked he had valid consent to let (which he did) so then looked for other things to get out of paying and they found one; a flatish plastic roof on a built on conservatory against the outside wall of the house. He answered "no" to the flat roof part as he had (wrongly) assumed they meant the house.
Now he has a kitchen to pay for and fund the costs of rehousing his tenants' until the place is fit for them to return.
Out of interest, how do landlords cope when their tenant loses their job and needs housing benefit or work and need LHA top up too? The government claim they are paying 40% of all rents and I assume they are topping up many other rents too, where people work and claim. Wouldn't it be safer to get a policy that allowed LHA?RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
Is it any wonder claimants don't say anything?? Everywhere you look it's "no DSS"!! Where are these people suppose to live, given the state of social housing? When I first moved up here, I had to claim HB, as I'd just moved and had no job. I never told my LL either! I had enough money for bond etc, and a couple of months rent while the claim went through. What choice did I have, I had to have somewhere to live!! I was not willing to live in areas that did take DSS!!0
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Is it any wonder claimants don't say anything?? Everywhere you look it's "no DSS"!! Where are these people suppose to live, given the state of social housing? When I first moved up here, I had to claim HB, as I'd just moved and had no job. I never told my LL either! I had enough money for bond etc, and a couple of months rent while the claim went through. What choice did I have, I had to have somewhere to live!! I was not willing to live in areas that did take DSS!!
I can see why a tenant does this, but I can't understand why landlords' don't ensure that their insurance covers DSS. Why give insurers a reason not to pay out on a claim?RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0
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