A serious vent! Not for the faint hearted!

chewmylegoff

CKhalvashi wrote: »

Technically, yes, but I got paid to take the insurance last year (76p), and I'd rather not pay for it.

CK

surely making a claim and then paying a bit for insurance is going to be cheaper than not making a claim so you can keep getting insurance for nothing (presumably through cash back or something). if your costs are going to run into thousands as it appears that they already have, then it must be more economical that way around.

presume you have told insurance co regardless as may invalidate insurance if you don't.

CKhalvashi

chewmylegoff wrote: »

surely making a claim and then paying a bit for insurance is going to be cheaper than not making a claim so you can keep getting insurance for nothing (presumably through cash back or something). if your costs are going to run into thousands as it appears that they already have, then it must be more economical that way around.

presume you have told insurance co regardless as may invalidate insurance if you don't.

I perhaps should have done that before moaning at the council, but henceforth don't want to claim!

We've changed nothing structurally with the house, so how is decorating necessary to inform?!

CK

chewmylegoff

CKhalvashi wrote: »

I perhaps should have done that before moaning at the council, but henceforth don't want to claim!

We've changed nothing structurally with the house, so how is decorating necessary to inform?!

CK

i don't think you need to tell them that you decorated, but you may need to tell them that your tenants wrecked your house, as it may factor into their assessment of the risk of it happening again at some point in the future (esp. if they are insuring a portfolio).

i am not certain that you definitely need to tell them, but you might want to check the small print of your policy.

CKhalvashi

chewmylegoff wrote: »

i don't think you need to tell them that you decorated, but you may need to tell them that your tenants wrecked your house, as it may factor into their assessment of the risk of it happening again at some point in the future (esp. if they are insuring a portfolio).

i am not certain that you definitely need to tell them, but you might want to check the small print of your policy.

I'll run it through Emma (our solicitor).

On a separate note, take a look at these! :T

Cate1976

CKhalvashi: I really do feel for you that your house has had that amount of damage done in it, sounds really nasty if you've had to replace skirting boards and throw out the bathroom and kitchen units after spending so much money on them. I did have a look at the pictures you've linked to and the place looks amazing. The next paragraph isn't having a go at you but a few posters on here.

Just want to make it clear that despite what the government and certain newspapers would have you believe, not all people on benefits are scum. Most people on benefits would rather be working. Myself and my husband included, we're on benefits not out of choice, my husband has genuine disabilities which mean he would only be able to work part time and I work 4 hours a week in Next as I'd rather work. Increased likelihood of at least one of us finding work is one of the reasons we're moving to Norfolk in October (currently living in Northern Ireland). The main reasons for the move are to be near to my family and also we feel that we can give our girls the life we want them to have easier over in Norfolk than we could here.

londonlydia

I know it's hard, but I do suspect that these people had serious mental health issues...probably from terrible childhoods. I'm not being soft, but the thing is I have worked with children growing up in highly dysfunctional homes, and often these adults are the result of kids growing up in homes that were abnormal, and the state never got it act together to help out. Now they're adults, they'll probably have more kids, and the cycle will continue.

tbs624

CKhalvashi wrote: »

It just saddens me that I work to pay a mortgage, bills and keep others in housing, yet there seems to be no thanks for this.

So your 9 BTL properties were purchased with philanthropy in mind? Pull the other one....

As others have said, why do you think you should be thanked.?

You've clearly had a very unpleasant experience with this particular T but as some of the others have said, the behaviour you describe sounds indicative of someone with mental health issues.

There are good and bad Ts in all walks of life, just as there are good and bad LLs.

tbs624

silvercar wrote: »

If benefit tenants had a reputation ffor keeping properties well then landlords would be more willing to accept them.

Many LLs do accept, indeed welcome, Ts who are in receipt of benefit and do very nicely out of their "custom" .