Steve Masters

Registered with
Tuesday 6th August 2013

Latest Comments

Total Number of Property118 Comments: 261

Steve Masters

19:02 PM, 21st May 2021, About 6 months ago

EICRs From Hell?

If replacing an old consumer unit of "dumb" fuses with a new consumer unit populated with cutouts you might like to consider RCBO's instead of many MCB's protected by a single RCD.
(An RCD is designed solely to protect against earth leakage and an MCB protects only against over-current, whereas an RCBO protects against both types of fault.)
As others have said, RCDs can be quite sensitive to old issues on a circuit and when they trip they can cut out the whole property. When an single RCBO trips out only that circuit is cut out. Less inconvenience for the tenant and narrows down the circuit that the problem is on.

and don't forget to get confirmation from your electrician that they agree to state on the certificate that the next inspection date is 5 years and NOT on "change of tenant".... Read More

Steve Masters

10:24 AM, 15th April 2021, About 8 months ago

Tenant charged with Arson?

Reply to the comment left by Julie Dawson at 15/04/2021 - 10:15
As your letter to request surrender is informal then the way it is delivered is of little consequence, so long as it is delivered and he gets it. With any luck he will know he has done wrong and the continuation of his tenancy is unsustainable and he will comply.

If you need to serve official notice on him, say S8 or S21, that is best delivered by a process server.... Read More

Steve Masters

9:31 AM, 15th April 2021, About 8 months ago

Tenant charged with Arson?

Oh dear Julie, that sounds very bad luck.
I have had a fire and I have also had a tenant arrested!
Try and get the property officially declared uninhabitable and then lock it up to keep it safe until repairs can begin. Your ability to fulfill the tenancy agreement will have been "frustrated" by the fire, not your fault. Then engage an eviction specialist to trace and service notice on the tenant in custody (I think by a "process server") to officially end the tenancy.

You definitely need an eviction specialist, I have used and can recommend Landlord Action. Others brands are available.

It will cost you, adding insult to injury, but it is still the best way to go.... Read More

Steve Masters

14:27 PM, 26th January 2021, About 10 months ago

No Respite for Landlords

Reply to the comment left by Dr Rosalind Beck at 26/01/2021 - 14:16
It certainly is a biggy if a loophole exists that T and Debt Advisor can use to swerve paying rent indefinitely whilst in a Mental Health Breathing Space.

If that's the case, it's not just a biggy, it's potentially the biggest of them all.... Read More

Steve Masters

11:22 AM, 26th January 2021, About 10 months ago

No Respite for Landlords

In the introduction of the "Debt Respite Scheme (Breathing Space) guidance for money advisers" page under "What your client needs to do" for a standard breathing space it says they must meet 'ongoing liabilities' but this is not mentioned for a Mental Health breathing space.

In "1.1 Debt advice providers" at the bottom it says: "There will be times when you will need to make subjective decisions about a client. Like whether a breathing space would benefit a client, or whether cancelling a breathing space would be unfair or unreasonable for a client. There are no defined rules for these sorts of decisions. In these situations, you will use your professional judgement."

Where is the guidance on exactly what is 'unfair or unreasonable' regards not meeting 'Ongoing Liabilities' eg. failing to keep up with making rent payments during a breathing space. Could the risk of T losing their home be considered 'unfair or unreasonable'?

In "9.4 Ongoing liabilities in a standard breathing space" it is repeated that the debtor must meet 'ongoing liabilities' and making ongoing rental payments for your primary residence is specifically mentioned. The bottom of this section reads: "If your client does not keep paying these ongoing liabilities, you’ll have to decide if the standard breathing space should continue. You can take into account whether cancelling the standard breathing space in these circumstances would be unfair or unreasonable to your client. A creditor can contact your client about, or try to enforce any arrears of payment of, an ongoing liability that the debtor incurs during the standard breathing space. This obligation and review process do not apply to debtors during a mental health crisis breathing space."

Again suggesting meeting 'ongoing liabilities' is exempt for a Mental Health breathing space.

There is no corresponding section for Ongoing liabilities in a Mental Health breathing space.

Am I right to believe there is no mechanism in this bill to enforce 'Ongoing liabilities' during the entire lifetime of a Mental Health breathing space?

If so, this loophole needs to be closed.... Read More