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Carryon Regardless

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About Carryon Regardless

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    Sailing dinghies, the more skill required the better. Ambition realised to sail yachts. Guinness still appreciates my attention, but only to excess..

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  1. Try Prestayn, that's nearly 3 of 'em. The great pro to benefit T's is that you can get most of the rent paid by the state. As long as the T ticks the appropriate box, Or as long as the T is eight weeks in arrear, but they can defend your demonstration of this. As long as they are entitled to the benefit continually, or it is taken / claimed back. Paid only for the period of occupancy, so forget notice periods. The one or two small downsides are that any guarantor is less likely to be wealthy and wise. Such T's are usually with ongoing issues, of many kinds. They occupy for most of the 24 hours and wear out the property more. If / when they abscond they are less able to remove their belongings. These are now classified as commercial waste requiring a registered contractor to remove and provide paperwork, certainly for Wales. Has England done this to us yet? Oh, and we are more likely to be considered greedy for taking the rent that is paid for them. I most certainly am not suggesting that they all smell, bless 'em.
  2. I suppose I could offer my T's use of my holiday home, but that's when they've found their own campsite and they would have to put it up themselves (I don't mean that in a painful way).
  3. I have never heard of what you ask for. Usually a letter informing them that you no longer require their services is what would be needed. First read their terms and conditions carefully. Is there a notice period? Are you liable for any charges relating to existing tenancies?
  4. As if Rent Smart aren't enough for Welsh LL's to deal with. Any LL who steps out of line has a barrage of T protections coming his way these days, more so in Wales. Since students are generally socialist until they get a well paying job I guess their criticising of the capitalist LL is just a fact of life for us. We aren't allowed to victimise T's with such things as honest reviews, the media would enjoy themselves too much with such a thing.
  5. As Grampa, when rents are 8 weeks in arrear you are entitled to receive the Housing Benefit direct to you. From the point you make HB aware they will at least freeze payments till they decide on the correct outcome of their investigation. Very recently I rang to inform, they then requested my claim for the HB by email. All HB payments not yet paid to the tenant are now mine. This was actually 3 weeks of HB prior to my phone call. First call them, and with a little more leisure you can create you proof to head off the tenant defending. My proof is a rental statement alongside a comprehensive letter.
  6. I am unable to offer you advice that will be of comfort. As Grampa, you need good help here. I have a friend that was involved with M/cr council and their team to improve the housing standards. He was a manager. They take no prisoners. The tenant has cited a vulnerable occupant, this would cause the council to take a keen interest. I'm surprised they haven't been threatening you with notices to carry out repairs. Tbh, I don't see how you get the tenant out during this crisis, unless it is voluntary. and then where are they likely to find as an alternative home? Your expenses must be staggering by now, and your losses wow. The stress must be affecting your health. Each time you return to a solicitor both will be increased. Have you attempted to calculate the future 'likely' losses / expenses? You might come out better by offering a cash settlement, but in exchange for a surrender notice from the tenant 'once he and family are out'. Considering your story and the support for the tenant I would be careful that this has no legal come back.
  7. Yes I can see the online claim may well produce a result. It is dependant on the defendant being, perhaps, naive. I have enjoyed that advantage in the past and it is well worth consideration, thanks. An issue is that invariably in Prestatyn is that Shelter is prominent and convenient. Where they are aware that actual court action is unlikely the resulting advice becomes obvious. I could do with researching their availability locally (Rhyl) during this crisis. I would imagine that if I were to start a MCOL, and it is then defended, that come the time when courts are sitting again I would be somewhere in the queue for a hearing. Hopefully in their increased backlog and confusion the case wouldn't go astray, not unheard of in usual times. I've had a court experience (Rhyl) claiming from a G'tor in the past. Although defended the G'tor didn't offer anything of substance at the hearing, the judge effectively defended for him. I claiming over £1,600 was challenged with "why don't we call this £750?" "Why don't we call this £1,6--, that's the debt." Result the judge awarded £750, for no relative reason that I could discern. Payments at £20pm starting some 2 months ahead. I requested if the court would manage the receipt of payments, but this service that once was, was no more. But the claim had been delivered on, it was up to me to chase each payment. Guess how much I got.
  8. You will remember the guarantor option has always been my preference. Insurance has been suspect for a long time, and with the present crisis we read here that it is now w/o value. You can't carry out threats to g'tors if the courts are furloughed though. By the time this finds it's new normal, that is it settles at what ever level we find ourselves at the debts run up by T's will often be beyond their ability to recover from. The threat to g'tors will be something the courts will do all to avoid being a practised outcome. I am expecting T debts to be largely written off. Debts that existed prior to the crisis will be dissolved into the whole. The longer this goes on the more likely that will be the result. For a long time there has been a resistance to repossessions by LL's, this avoids social disruption and that must be an ever increasing priority during this crisis and for a period after. My issue in my particular example is that there isn't the common protection for those that submit a self assessment. True the Gov't can't get it right all the time but this is a glaring disparity. It will result in an increase in those taking the law into their own hands as the increased realisation is that there is no state policy for the many that feel they are being abused can fall back on. Just a little more that will be a reminder of the up yours to us LL's is that we will be paying toward the cost of the repayments in future, and I for one will be thinking it is a further example of the one way street I / we are travelling.
  9. Our T's are told that they can take a rent payment holiday of 3 months, the message was a little ambiguous but that is what those that prefer to see it as will read it as. So far I have the HB T's that are making it a battle for me to achieve the top up element of rent. One would be keeping the whole rent but at least I managed to get his HB redirected to me. Another who has suffered a 10% wage decrease has dropped his rent to me by 25.5%, regardless of any response I have made to that. The County Courts are furloughed, well I've not been unable to find specific info on specific courts so must assume that any I would hope to use for any hoped recovery of debt is unavailable for that purpose. Although historically I have learned that money spent on the County Court is wasted money. The Gov't announce that the self employed will get a grant of up to £7,500 initially and this may be extended. Those in receipt may still work and even take up new work. Very generous thinks me, and clearly this is to encourage, ambiguously, the principle of 'stay at home'. So it crossed my mind that my self assessment is completed not as self employed, but as revenues from Land and Property, hmmm, am I eligible? Well today I go online and it requests my specific id's and no I'm not. I am now expected to just sit and watch my revenues diminish and still pay out for all responsibilities. Stuff 'em, I'm returning to my usual business activities. I was happy to pay local tradesmen where needed, and avoid the travel of self with need for materials and refuelling. I could have even accepted the scabby git T's stealing my money where I might have been compensated as other traders seem to be. I can't carry out hands on activities from home, so I'm entitled. There may be some opportunity afforded me to remind these thieving little wuck fits that I want my money. At least the roads should be fairly quiet and the travelling more pleasant.
  10. The beach is a bit far for cabling to, I suppose I could put some pretty panels on the roof, or a turbine in the front parking area. Imagine the claims that the washing keeps going missing from my tenants though. "I thought it was a rotary drier". Just possibly our Gov't's will be a bit pre occupied for a while using our new taxes to pay the debt we are presently accruing though, and historically Wales uses the renewable 2nd homes of the English for their heating.
  11. I am charged between £45 and £80 for the annual gas cert. The number of appliances can make a difference, but in the lesser affluent areas the charge is usually less. To clarify, any and all works on gas are prohibited, even by the DIY'er in his own home? My view is that storage heating is naff. There is next to no control and the heat has often escaped by late afternoon on the colder days when the heating is wanted. The additional cost of a gas inspection would be more than paid for by the additional rent these properties can achieve. The dreaded flats have them, but still it's good enough for the majority that live there.
  12. A discussion on another, car, forum. My strong belief is that any interference affecting gas integrity w/o Gas Safe certification runs the risk of prosecution. Another believes it's ok if it's 'only' DIY.
  13. For the genuinely furloughed, 80% salary will mean a small saving in tax, for many that will mean no commute expenses, some will have bought season tickets so less of a saving, for all there is no booze, entertainment expenses, and clothing purchases will be near nowt. For a great many this will mean they have a greater untouched (disposable but on what I can't imagine during the crisis) income. It may be reasonable to sympathise with those on the front line, and their increased risk. What surprised me though is that the deaths of those, while being too many, are relatively low to what I would have expected. I wouldn't suggest for a moment that sympathy would be misplaced but why does he consider he is due such? The trouble there of course it's a delicate egg shell situation for a scabby landlord to venture into. I also have a tenant that advises me to take a mortgage holiday. My finances aren't his concern and he can keep his bloody nose out of 'em. But it's a fum duck that thinks that's the only expense we have in life and we should reorganise to give them an easy time.
  14. It's complicated nowadys, will diesels be priced off the road? My 2006 Vito is good for what I do, historically I tend to use my vehicles well, but self maintain them well. I would like a Viano for the longer journeys, but the more reliable 646 engine finished in 2010 and that attracts tax at £555. The Vito costs £140 tax p.a. and is a treat by comparison. The new 447 (post 2015) V Class is lovely, but I have trouble justifying that for my usage, and even saving at £200 tax (v's the post 2010 Viano at £325) would take some time to recoup. And then finding a Viano with honest mileage is very difficult, most are ex taxis with corrupted odometer. Mrs Me drives a Gr Cherokee, 14 miles a day. It's time to change that, and maybe a petrol Accord so as to avoid ULEZ if / when we take it to London (visiting the daughter in law +++). But we want toys and they are more plentiful in the diesel.
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