Can A Landlord's Mortage Refuse To Rent To A Disabled Person On Benefits But Accept Retired People?

csgohan4

K80_Black wrote: »

I love this forum. What if I get caught lying about my disability?! While at the same time demanding many adaptions to a house I don't actually need. It shows what people really think - anyone on benefits is a lying cheat and a drain on society. We want a free ride and are fickle and work shy.

I have been polite when talking about landlords, even though they are by far and wide the worst people I have come across. The landlord I mentioned in my first post who happily took rent off me for 6 months while I was in intensive care - and used that time and money to completely clear out his house of my possessions and readvertise it - served me a section 21 the day I came out of hospital. Absolute scum.

You keep talking about personal choice - my personal choice is NOT to live in a building that's purely social housing. There is far too much anti social behaviour. Social housing isn't right for everyone.

to put it blunty people you pay to give you a service for a set period, owe you no more and no less than the contract you agreed.

While it would be better if the LL could have been more sympathetic to your plight, they are not contractually obliged to do so and are within their rights to serve you a section 21 after your minimum period as they will likely be basing this on the risk you may not be able to pay rent e.t.c.

As I mentioned earlier, Letting i s a business and not a charity and do not provide goodwill or free rides, some do but they also do regret it sometimes by tenants taking the p and months in arrears promising to pay back.

Bare in mind benefits are paid to the person not the LL, so no guarantee the rent will be paid first and if at all in full.

Don't forget you don't need a reason to serve a Section 21

Knew someone who's wife had breast cancer, the LL didn't give a toss and raised the rent anyways despite them struggling or asked them to leave. It's life and nothing you can control someone else's behavior or actions.


Your experiences doesn't mean all LL are bad, I've had good LL, where my definition is left alone, paid and didn't rip me off come end of tenancy

You have a bone to pick with LL, perhaps your energy should be directed at the local authority and the lack of social housing

gary83

K80_Black wrote: »

I love this forum. What if I get caught lying about my disability?! While at the same time demanding many adaptions to a house I don't actually need. It shows what people really think - anyone on benefits is a lying cheat and a drain on society. We want a free ride and are fickle and work shy.

I have been polite when talking about landlords, even though they are by far and wide the worst people I have come across. The landlord I mentioned in my first post who happily took rent off me for 6 months while I was in intensive care - and used that time and money to completely clear out his house of my possessions and readvertise it - served me a section 21 the day I came out of hospital. Absolute scum.

You keep talking about personal choice - my personal choice is NOT to live in a building that's purely social housing. There is far too much anti social behaviour. Social housing isn't right for everyone.

This is just getting ridiculous, everyone has been very patient with you but carrying on this conversation is like hitting your head against a brick wall. Now in this thread you’ve stereotyped people on benefits being anti social, more likely to take drugs & drink and landlords collectively being the worst. I’d have thought a disabled person would probably have more experience than most of typecasting & stereotyping yet you Think its fair game to do it to other people, whilst complaining of discrimination.

You’ve mentioned twice that you “had to keep paying rent whilst you were in hospital & that could happen to everybody” & you are entirely correct, it’s an unfortunate fact of life if your in hospital a bank is still going to expect the mortgage to be paid, that’s why it’s advisable to have an emergency fund or insurance.

If I were to apply to rent a house off someone, that house cost them a lot of money, it’s an important decision, if they decided to rent to someone else instead I could ask why? Try and make myself more attractive to other landlords and move on to try & find a landlord that would accept me, I’d probably spend my time doing that. The original private landlord has no obligation to house me, or anyone else. A private landlords only obligation towards your personal housing is the same collective obligation of all taxpayers, paying tax to fund benefit payments. They’re running a business, not a charity.

K80_Black

I don't have a problem with the amount of social housing. It's not suitable for me. As I have repeatedly said.

My disability means I have to be within a few minutes walk of a pharmacy and metro style shop. With social housing I can specify broad geographical areas, not facilities. Properties offered to me are completely unsuitable.

Housing benefit can be paid directly to the landlord, by the way. Usually is in Northern Ireland, where I live. (and in the case of benefit fraud, its the claimant who is charged and fined, not the landlord, as someone else has suggested).

csgohan4

K80_Black wrote: »

I don't have a problem with the amount of social housing. It's not suitable for me. As I have repeatedly said.

My disability means I have to be within a few minutes walk of a pharmacy and metro style shop. With social housing I can specify broad geographical areas, not facilities. Properties offered to me are completely unsuitable.

Housing benefit can be paid directly to the landlord, by the way. Usually is in Northern Ireland, where I live. (and in the case of benefit fraud, its the claimant who is charged and fined, not the landlord, as someone else has suggested).

If social housing is not suitable for you, what do you think the chances are private housing will be suitable for you? or in your price range

If you already don't have much choice and your picky, your going to end up with nothing

K80_Black

csgohan4 wrote: »

If social housing is not suitable for you, what do you think the chances are private housing will be suitable for you? or in your price range

If you already don't have much choice and your picky, your going to end up with nothing

There is plenty of suitable private accommodation in my area well within my budget. It's also close to a university, and the landlords choose to rent to students.

I don't know why you're assuming I'm in an immediate housing crisis or something. I have flat that is perfectly adequate. It just took far too long to find.

I know lots of people here are just arguing with me for the sake of it now, so I shall bow out.

There are so many misconceptions and outright lies about benefit claimants in this thread - if I don't try to correct them, then nothing in the private sector will ever change. Its not about petitioning for more social housing, I just want the same choices as anyone else on a similar income, with a similar credit history, and a similarly good reference.

westernpromise

K80_Black wrote: »

I just want the same choices as anyone else on a similar income, with a similar credit history, and a similarly good reference.

But you do not present a similar risk, in the eyes of either landlords or their mortgage lenders.

gary83

K80_Black wrote: »

There are so many misconceptions and outright lies about benefit claimants in this thread - if I don't try to correct them, then nothing in the private sector will ever change.

I think I’d be much more impressed with your crusade to oppose the outright lies and misconceptions about benefit claimants in this thread If you’d bothered to say anything about the original disabled posters assumptions and misconceptions about the rest of benefit claimants?

FusionFury wrote: »

I can understand not accepting people on benefits (drinkers/drug users etc who might wreck the property) but I have a diagnosed disability.. surely that changes the rules otherwise most disabled people would be homeless!?

So after he or she started off by saying benefit claimants, other than the disabled are drinkers, drug users who’ll wreck the property and should all be treated as such. then you come along to claim the long term unemployed, all live in estates or tower blocks committing anti social behaviour

K80_Black wrote: »

You keep talking about personal choice - my personal choice is NOT to live in a building that's purely social housing. There is far too much anti social behaviour.

K80_Black wrote: »

Social housing is often not suited to disabled people - we have a vast range of difficulties, both mental and physical - living in estates or tower blocks with the long term unemployed (who tend to be the people who get social housing) is just not suitable.

I think then it’s fairly obvious why people would object to both of yours sense of entitlement, or the irony of either of you two complaining about stereotypes, misconceptions or lies, when I’m reality you’d expect a disabled person to understand it better than most.

correll

FusionFury wrote: »

Is this legal? surely that's discrimination.. I don't see the difference between disabled and retired people.. disabled people it is not a life choice..

I feel I'm punished for been disabled.. it makes me really depressed as I was born this way and getting punished for it..

The landlord said his mortgage provider won't accept people on benefits but the previous tenants was retired elderly couple.. what's the difference and is there anything I can if this isn't legal!?

I'm trying to figure out of this is an excuse by the landlord not to rent to me or if the mortgage provider actually is so anti-disabled..

I can understand not accepting people on benefits (drinkers/drug users etc who might wreck the property) but I have a diagnosed disability.. surely that changes the rules otherwise most disabled people would be homeless!?

The retired couple were probably not on benefits (apart from the state pension - which has, apparently become a benefit) they may have had private pensions that they paid the rent out of.

K80_Black

I had a little chat to my partner about all this. He reminded me of something.

When I was hospitalised for a second time, and I knew it would be for months at least, I gave up my privately rented flat and moved my belongings into storage. When it came time for me to leave hospital, they wouldn't discharge me until I had somewhere to go. I spent 3 months looking for somewhere to rent, whilst taking up a hospital bed at the cost to the taxpayer of about £500 per night.

Just giving you the facts on what your unwillingness to rent to disabled people is costing everyone.

gary83

K80_Black wrote: »

I had a little chat to my partner about all this. He reminded me of something.

When I was hospitalised for a second time, and I knew it would be for months at least, I gave up my privately rented flat and moved my belongings into storage. When it came time for me to leave hospital, they wouldn't discharge me until I had somewhere to go. I spent 3 months looking for somewhere to rent, whilst taking up a hospital bed at the cost to the taxpayer of about £500 per night.

Just giving you the facts on what your unwillingness to rent to disabled people is costing everyone.

Again I’m convinced you’re either a troll or you have a very warped & entitled way of looking at it, you went into hospital & voluntarily gave up a house, knowing that you had to be quite picky with finding a property that suited you.

In those circumstances it’s nobody’s unwillingness to rent a flat to disabled people that’s responsible for the extra cost to the taxpayer & worse blocked a bed from somebody who needed it more. That was all down to your selfish attitude, Or did you expect all private landlords with houses near a pharmacy & a metro store to keep them empty, on the off chance you rang to say you were ready to take it? After all you’ve been telling us money’s not an issue.

K80_Black wrote: »

To those who think disabled people on benefits have 'no money' - my amount payable is about the same as a band 4 NHS job. Those with severe disabilities do get a fair amount, if they claim everything they're entitled to. So, don't rent to any pharmacy technicians or similar. They also have 'no money'.

The NHS staff that were looking after you were having to pay rent or mortgages on the same income as you? Why did you think you shouldn’t? And then could blame other people for having nowhere to live at the end of it? Are you always such a self entitled victim?