Yvonne Francis

Registered with Property118.com
Monday 3rd August 2015


Latest Comments

Total Number of Property118 Comments: 172

Yvonne Francis

18:46 PM, 9th November 2020
About 3 weeks ago

Water damage from baby sock?

Reply to the comment left by Chris @ Possession Friend at 09/11/2020 - 15:07
Yes, I'm sure most tenants do not insure, my point is they are able to, so its their hard luck if the don't, and the Landlord can make a claim. Tenants don't only have claims by landlords but by insurance companies if the Landlord makes a claim on his own insurance, and find the tenants are to blame.

About year ago I had the most difficult experience when one of my guarantors, a well know barrister, started to get concerned that if his daughter (my tenant) had an accident and burnt the house down, claims could be made against him from my own insurers. It was actually confirmed by my insurers, and I even tried to get insurance for them, but that's impossible. He attempted to get a million pound cover for himself, and insist on the rest of the group getting the same which actually they were eager to do. Of course he failed. One could get cover for a few thousand but no more. He looked at case histories, and based on one, he decided, as long as I specified I insured my properties it may help his case but certainly not let him off the hook, fully realising Landlord's insurance is Landlords insurance for his benefit alone, and I can't even be forced to claim. It was all very interesting and just all too complicated for me to fully grasp. His daughter is in my property now.

My tenants do by the way nearly always insure their own possessions and if they don't that is not by business. Surly you mean insurance of the Landlords property in your comment?... Read More

Yvonne Francis

14:57 PM, 9th November 2020
About 3 weeks ago

Water damage from baby sock?

I must say I agree with Ian on this. Tenants can take out their own insurance against such things.

I do not have a choice with supplying white goods as I have student accommodation, but I try to check everything of this nature during the yearly change over of tenancies.

However in my experience if there was anything in the filter the machine would refused to drain. Not sure either, why a sock would find its way into a filter. It was never something I experienced when I had children, and put in my washing machine very small things. Are you sure there is not another reason why the machine leaked.

However I get the general point and I am at the moment having to get CCTV cameras down my drains in one of my houses, as the new tenants have blocked it twice since the summer, and swear blind they have not put anything down. Yes something may be amiss, but the drain has not been blocked for 25 years, and my experience of tenants lying, even when I have found good evidence, is legendary, and on the light side most amusing!... Read More

Yvonne Francis

13:12 PM, 9th November 2020
About 3 weeks ago

Lodger belongings being collected one trinket at a time?

There may be a complication as to the tenancy agreement in your case?, but a Landlord, if a tenant has finally left, has to keep a tenants possessions for three months, and if you allow 21 days to notify them of your intent, you can sell or dispose of them. If you have no room to store them, you can put them in storage at their expense, but probably not advisable if you don't hold a deposit. I advise you to check online.... Read More

Yvonne Francis

18:48 PM, 30th August 2020
About 3 months ago

Westminster online tool encouraging HMO tenants to claim Rent Repayment Orders!

Reply to the comment left by Luke P at 27/08/2020 - 20:20
Luke, I once considered this scenario in a three bed property, a couple and one other, to avoid having to have a HMO licence. But on refection I did not go there, considering it too risky and went for licensing. It just a matter of common sense.

Colette, I imagine we are talking about some form of shared tenancies in which case you let the whole house, so in no way is a Landlord is entitled to lock a room.... Read More

Yvonne Francis

18:16 PM, 21st August 2020
About 3 months ago

Is it worth buying a home?

This is a well written post and probably has certain truths, but not from where I am standing. I think people who buy houses have some period in their life when they are rent free and often at a good time of their life when they are at or very near retirement. Not only that but it can give you a security and freedom that no private renting could possibly give. I don't really understand all these children mentioned here, who do not want to own their own property, and think them short sighted, as my children have lived good lives and also aspired to own property. They work hard and have good jobs.

I guess Council's provided accommodation may be slightly different, but do you really want the government to provide everything? And partly, if not entirely, at everyone else's expense. That's a very dangerous path to tread.

I've lived a more independent life than my children, being one way or another self employed, and invested in property since 1970, and it has all paid handsomely. Even in these difficult times I feel reasonably secure. My only grump is Inheritance tax which in my circumstances is difficult to avoid having taken good professional advice. But I guess the government have to pay for all those not prepared to risk buying their own homes! There is a moral in there somewhere?... Read More