Christine Reynolds

Registered with
Saturday 25th October 2014

Latest Comments

Total Number of Property118 Comments: 4

Christine Reynolds

18:00 PM, 22nd July 2016, About 5 years ago

Open Letter To The New Chancellor - @PHammondMP

Reply to the comment left by "Dr Monty Drawbridge " at "22/07/2016 - 13:51":

Thank you. I do understand your points but still think that the fact that landlords can buy houses at a more advantageous rate (factoring in mortgage interest relief) than an ordinary home buyer does help to inflate the house prices and until prices fall more in line with average wages the ordinary working person won't be able to buy their own. I think this makes for a very unfair society. It's good to have a rental market for the young and mobile but I do want a society where children can be raised with more stability of residence.... Read More

Christine Reynolds

12:54 PM, 22nd July 2016, About 5 years ago

Open Letter To The New Chancellor - @PHammondMP

I may be being very stupid but I can't see why landlords should have tax relief on interest when buying Buy-To-Lets when people buying for their own residence no longer have this tax relief perk. Doesn't this mean that home buying is being squeezed out as it's more advantageous financially to buy Buy-To-Lets and is this fair?... Read More

Christine Reynolds

11:21 AM, 20th July 2016, About 5 years ago

Newly painted ceiling water leak damage?

We had a similar situation with the downstairs maisonette we rented out. The upper one had a bad leak which caused damage to the tune of £1500 in our bathroom and kitchen below. Their insurance company, Halifax, refused liability as the leak was accidental and our insurance company paid out the cost with us standing the £250 excess charge as our company reckoned it would be too expensive to fight Halifax's claim legally. The builder/repairer who rectified the damage calmed down my anger by paying us the a £250! How complicated this rental business can get and in this instant isn't the 'law an ass' in that the one sustaining damage is liable where the damage was accidental (never mind that this was the third time that we'd suffered leaking from above so obviously their pipework was somewhat dodgy)... Read More

Christine Reynolds

14:34 PM, 27th October 2014, About 7 years ago

Water damage liability

Dear Mark

No, these are often called maisonettes as opposed to flats - one ground floor and one above, with individual private entrances and a private garden to the ground floor maisonette at the rear (and to the upper, though not so private, at the front). So they are completely self-contained and the owner organises their own insurance and pays no ground rent where they have extended their lease. No service charge is payable either.

The local city council accepts responsibility for grass cutting and tree pruning on the communal areas as this is a garden estate (built in the 60s) with plenty of greenery - actually the land belongs to an ancient trust dating back to the 16th century so the council's maintenance is done somewhat reluctantly!

So apparently, and this is the Law so the insurer tells me, where there is no negligence, responsibility for damage to a lower maisonette occasioned by a leak from the upper maisonette becomes the responsibility of the owners of the lower.

Thanks for any help you can give but I have checked it out legally and the only loophole seems to lie in proving the owners of the upper were negligent but this would be expensive and time-consuming and hardly justify the cost of paying the excess.

Yours sincerely

Christine... Read More