Graham Bowcock

Registered with
Saturday 22nd October 2016

Latest Comments

Total Number of Property118 Comments: 171

Graham Bowcock

18:12 PM, 2nd October 2020
About 2 months ago

Unexplained insurance premium hike?

Reply to the comment left by Whiteskifreak Surrey at 02/10/2020 - 12:15
I gather that car insurance payouts have been very low due to less vehicle movements (our family car has only done 3,500 miles in the last year instead of about 10,000). We were insured with Admiral and they gave all customers a rebate of £25 per policy to reflect the lack of claims coming in this year. Renewal was also not much different than previous years.

Anecdotally claims for losses such as burglary also fell as people have been at home more.

Can't speak for other types of insurance. Perhaps Allianz has lost the appetite for this market; we have had this with renewals, LV didn't want our property business last year (no claims history), but our broker sorted out a new policy elsewhere.... Read More

Graham Bowcock

17:54 PM, 2nd October 2020
About 2 months ago

Agency request ICO registration for copy of tenancy?

You should be ICO registered as you will be holding your tenant's private data. It's no different than if you are a shop collecting details on customers. You are a business (even if you only have one house) and need to comply - but as others have said there can be exemptions so check with the ICO webite.

We built a landlord's privacy notice into our tenancy agreement, but would not check that a landlord is compliant. Your agent sounds a bit over-zealous, but they are protecting you.

You cannot give your tenants detail out to contractors or agents (e.g. an EPC surveyor) unless you have confirmed that the contractor or supplier is ICO registered and GDPR compliant.

Those of us who run our property through limited companies were chased by ICO last year; they obviously did a trawl to make sure we are compliant. Clearly it's harder for individuals and partnerships.

At the end of the day it's a small price to pay, £35, so hopefully you will get registered.... Read More

Graham Bowcock

15:42 PM, 13th September 2020
About 3 months ago

How to change AST agreement when husband voluntarily moves out?

Reply to the comment left by Tom Thumb at 07/09/2020 - 21:58
Yes, you can do a new agreement every three years, without it being a deed.... Read More

Graham Bowcock

18:33 PM, 12th September 2020
About 3 months ago

He simply wants to keep it because he's paid for it?

Reply to the comment left by at 12/09/2020 - 10:14
Even if the landlord has a key they should not unilaterally enter the property without the tenant's consent. There is a potential conflict here with insurance requirements, I agree.

We once had a house flooded when a tenant moved out early and failed to drain it down. I (as agent) had not taken the keys back off them as we were charging them up to the end of the tenancy, not the earlier date they vacated. The rather wonderful insurer (Letsure) paid out in full as the tenancy was still in place - there wasn't even any real discussion, but it was accepted that it wasn't the landlord's place to go and check on a let house.... Read More

Graham Bowcock

13:12 PM, 4th August 2020
About 4 months ago

Allowing family members to live in property without rent?

Reply to the comment left by Frederick Morrow-Ahmed at 04/08/2020 - 12:33
Hi Frederick,

There is a bit of confusion in your response and a bit of muddling of the issues. You need to take a step back ande al with the issue individually.

Firstly, forget that the landlord is related to the tenant. If the landlord lets the house it will NOT be on a licence (assuming that they are not lodgers in the landlord's own home). If you are granignt exclusign possession it will be a tenancy. It is true that there is a minimum rent for it to be an AST (£250 per year outside of London). However, I am not convinced with all the current compliance that you should look at doing anything other than an AST. If you do - get the documents drafted by a lawyer. Otherwise the easy route is an AST with a rent charged. Keep it simple.

As for HMO - you need to look at what licensing gets introduced locally, but if it's a single family unit occupying then it is not a HMO under general guidance.

If the landlord receives no money then I'd agree, no income tax, but alwasy worth just checking with your accountant to make sure this is correct. If the family members are employed by the landlord, there may be benefits in kind issues.
If the tenants take in lodgers, then that's a matter for them - provided the tenancy agreements permits them to do so.

I have from time to time advised families on occupation of houses by relatives and always advise to set the tenancy up properly, with a rent payable (even if it's a bit of a discount).... Read More