Jim S

Registered with Property118.com
Monday 5th May 2014


Latest Comments

Total Number of Property118 Comments: 116

Jim S

13:26 PM, 9th January 2021
About 3 months ago

Council tax and mortgage interest on empty property for over 15 months?

Stockport City Council charge 100% ctax if empty for the first two years and then 200% ctax. I have a formal complaint going through with them right now as I feel that it unfair that they charge me 200% ctax because I could not do building work during the first lockdown. I have asked them to extend the two year period at 100% ctax by the same time we were in lockdown (3 months) as I was not legally allowed to do any building works to my property to be able to have it become habitable and so not have to pay 200% ctax.
In my opinion this is the Stockport City Council profiteering from the pandemic. I have written to my MP Navendu Mishra who has been absolutely useless. He did write back once but completely missed all of the main thrust of my complaint so his reply was useless and since then he just does not respond to any of my emails. A totally useless and weak politician who should be seizing this opportunity to help his constituents. Lets see how the formal complaint pans out.
Is there a process for complaining about your MP? I can't even visit him in person due to the Coronavirus. I asked the NRLA to write an article about this case in their magazine but no interest shown. Why are the NRLA so afraid to call out the Government?... Read More

Jim S

13:53 PM, 12th December 2020
About 4 months ago

How to Rent guide updated by MHCLG

Reply to the comment left by David Price at 12/12/2020 - 12:03
118 should put smiley icons on this forum to tick as you have just given me my Saturday morning laugh with your last sentence "All your tenants think they have paid more than their rental statement shows"... Read More

Jim S

10:53 AM, 12th December 2020
About 4 months ago

How to Rent guide updated by MHCLG

Reply to the comment left by David at 10/12/2020 - 17:35
Hi David,
Why do you get a WET signature ie ink? surely an email off them to say that they are happy to be contacted via email is satisfactory.... Read More

Jim S

10:44 AM, 12th December 2020
About 4 months ago

How to Rent guide updated by MHCLG

Reply to the comment left by Gunga Din at 10/12/2020 - 12:17
Why is the issue date shown at the bottom of page 2 and not on the 1st page or the back page as most publications would show?
Is this so that more landlords will miss it and fall foul of serving the correct version by mistake? (To quote David Price "Another Gotya")
Why do they only put December2020 and not the ACTUAL revision date which is 10-12-20?
Is this so that more landlords will miss it and fall foul of serving the correct version by mistake? (To quote David Price "Another Gotya")
Call me cynical if you want but this is net result, perhaps the NRLA should raise this as a formal complaint with the appropriate department.... Read More

Jim S

9:41 AM, 31st October 2020
About 6 months ago

Mortgage Express (Rosinca Mortgages) will not allow transfer of equity?

Reply to the comment left by Chris Novice Shark Bait at 26/10/2020 - 12:01
Hello Chris,

I agree with you about the Financial Ombudsman, about 5 years ago I had a complaint in with them about my personal home mortgage where my lender was offering further advances to all existing customers except it seemed for customers whose profession was a landlord. If I had been a plumber I would have passed but because I was a landlord they refused me the further advance even though my income was way above what was required for repayment criteria. The Financial Ombudsman sided with the lender and stated that this kind of discrimination was perfectly acceptable.

In my view Mortgage Express/Rosinca Mortgages should allow a TOE after they have stress tested me, I either am a safe bet or I'm not. LTV is 60% and if they had wanted that reducing to 50% I would have obliged and paid some of the lump sum off.

It seems wrong to me that a responsible Government backed lender can be allowed to play this kind of hardball with their customers. They have not given a satisfactory reason for declining the TOE because I am more than enough security for them on my own account. I am wondering if there is something in their customer services charter that would oblige them to behave in a responsible manner and treat their customers fairly.... Read More