Landlord with tennant dissapeared, when can I move on (Scotland)

DannyboyMidlands

amiehall wrote: »

Blimey well here's hoping I'm already in a property if I lose my job... You think people should be homeless because they claim the help they're entitled to? Where do you expect them to live?

No, not homeless. Just not renting my property. I'm running a business not a welfare system.

Better_Days

tbs624 wrote: »

Remember too that many of the insurance policies have their very own hoops through which to jump.

It can be a nightmare claiming on ill health insurance. It took over 5 years for my insurer to pay up. Funnily enough within months of me getting a solicitor involved they paid the claim. This solicitor charged over £300 +vat an hour, which of course I had to fund, but he really knew his stuff, and the insurer knew they didn't have a hope if it went to court. I had provided them with the appropriate medical evidence but that didn't stop them refusing to pay out for as long as they thought they could get away with.

So even if you can afford the premiums and you don't fall foul of the many exclusions there can still be considerable difficulties with ill health insurance.

tbs624

MissMoneypenny wrote: »

That was the purpose of Britain's welfare system and that is the safety net we are now going back to. Too many able bodied people of working age, have been "languishing on benefits" over the last decade and it is this which is changing; and about time too.

Sorry Miss MP but we appear to be going round in circles here.

You told a previous poster to take out insurance rather than "jump through the welfare hoops" - the system into which he has presumably been paying - which suggests that you don't see the need for any safety net. My post responded to that.

My understanding is that you are effectively expecting people to pay twice over ( and at a time when many in the private sector are also struggling to provide for their own pension)

If someone loses their job they are generally entitled to make a claim, ie to make use of that safety net.

MissMoneypenny

tbs624 wrote: »

The point I was making was that kids from all walks of life can (and do) wreak havoc.

Do you take LHA claimants without a guarantor?

dt3887

i reckon some of these posters are living on another planet. where i used to live the working kids parents were just as bad as the ones whos didnt. claiming benifits is not something that only bottom feeding scroungers do. its just the bottom feeders that get all the publicity. afterall, why would the sun write a story about Mr x who has worked for 30 years, lost his job in the climate, claimed benifits and didnt trash his house?
i personally have not heard of any insurance policy that will pay your RENT if you become unemployed at the end of a fixed contract, or even just lose your job.
unemployed, as that is what HB is for. christ, even morgage payers, IIRC, can claim benifit is they become unemployed.

to many of you are quick to judge, and i would love to see if you would do what you criticise people for if/when you get put into their shoes

MissMoneypenny

tbs624 wrote: »

You told a previous poster to take out insurance rather than "jump through the welfare hoops" - the system into which he has presumably been paying - which suggests that you don't see the need for any safety net. My post responded to that.

I didn't say that at all! Your assumption is incorrect. I had also added that it was better to have insurance than jump through welfare hoops. Just to make it very clear, I love the idea of a safety net (but not using welfare as a way of life for the able bodied). However......

If you look on the benefits board, there are long reported delays in getting those first LHA payments though, plus LHA seems to pay in arrears; hence my suggestion of insurance. Home owners tend to take these out but not those who rent it seems. Saving for these rainy days, will be better still for renters and those who have a mortgage and other debts to pay. The contractors I work with put money by for the times when they don't have a contract.

If a home owner loses their job, then SMI (Support for Mortgage Interest) is limited to 2 years only for JSA claimants. Sometimes the SMI doesn't even cover all the interest payments.

One thing that does seem to becoming clear is that there are going to be a lot of changes to the welfare system to return it to being just that safety net. Those landlords who live indirectly on welfare through their longterm, able bodied, claiming tenants, might have to cut their cloth accordingly.

debrag

tbs624 wrote: »

Aah, so that in your book will explain why their kids were being troublesome - if we remove all welfare payments then all our problems will be solved.......

The point I was making was that kids from all walks of life can (and do) wreak havoc.

nope there'll always be scum parents around.

Yes all kids can be idiots, but most !!!!!! are chavs from estates, they know nothing else as their parents dont teach them anything.

bitsandpieces

tbs624 wrote: »

The poster said that he is on a contract for the next 2 years, which may or may not be renewed. Am unaware of an insurance policy which would pay out should there be no renewal.

Indeed - if there is a remotely affordable insurance policy to cover this, I want it!

I've claimed housing benefit myself when between contracts (as it happened, I was already in a flat at the time - so no problem with dealing with 'no DHSS' landlords). I pay tax and NI when in work, which helps fund a safety net in case I need it.

koolcat99

Sorry! I didnt mean to spark a row to do with DSS ect. In fact that is how I ended up renting it to him in the 1st place, he was on DSS and was willing to pay 500 quid deposit, he seemed like a decent guy. Some friends brought up that I was being unfair as they had recieved housing benefit in the past ect and not wrecked any house. The bill so far for the repairs (done on the cheap) has been 2.8k but everywhere I turn there is something else destroyed that I hadnt noticed.. Dunno. gonna be a few more k's before I would be able to rent it out again. To get in to the mentality of this idiot. I think what has happened that he has had a large or dangerous unlisenced dog. Has tried to restrain it in a room for a long period of time. I think he has tried to chain it up to the ceiling (hope to god it was a large dog and not a human!). This would explain a lot of damage and the door being baracaded by planks of wood being nailed accross. I dont know.
Also this guy is 32ish and has 3 kids. but I notice he had made note on the bedroom, bathroom, livingroom walls inside a heart in biro in small writing his name in a heart + the wifes? Must be true love? Am I missing something? Could do nothing but laugh when I noticed this!!

koolcat99

Sorry just to add insult to injury the DSS have now asked for money back from me as they have paid too much rent! Ok here ya go, Three months since he left now and still unable to advertise it. So 500 quid deposit was well down the tubes months ago never mind the damage