Tag Archives: Leaking

Barry’s story – it could have been you! Financial Advice, Landlord News, Latest Articles, Property News

Barry’s story was written by the Mark Alexander back in December 2010. It has since been updated and re-published several times. The dates, times and people are fictional but the story is based on real life events.

It’s a modern update of the classic “A Widow’s story”, this time written as a cautionary tale for landlords and their families.

Barry is 53 years old and married to Sharon. They have three teenage children; twin girls aged 15 and a 13 year old son. Barry worked as a self employed salesman in the plant hire business. Sharon had a part time secretarial job in a local school.

Barry and Sharon purchased their first investment property in 1996.

As property values have risen they have continuously remortgaged and used a proportion of the equity released as deposits to purchase additional rental properties. They also saved a proportion of the equity released for a rainy day. To accelerate the growth of their portfolio Barry and Sharon raised extra cash for deposits by remortgaging their home. The profits from Barry’s plant hire business covered the family’s commitments comfortably.

They had accumulated a portfolio of 23 properties with a combined valuation of £1,650,000, against which they had mortgages of £1,400,000.  The portfolio produces rental income of £87,000 per annum. Their rainy day fund amounted to just over £64,000. By having all of the above in place you might be forgiven for thinking that they had set themselves up with a very safe future.

On Sunday 21st December Barry had a bad day. He was on the way home that evening having just been out to fix a tenants leaking shower tray when the traffic on the M6 came to a grinding halt. Barry managed to stop his car, avoiding the lorry in front of him, but the car behind him ploughed into the back of him, wedging his car under the back of the lorry.

The emergency services managed to free Barry from the wreck and his only damage was shock, whiplash and major bruising to his legs. However, two days later Barry collapsed whilst out shopping for last minute Christmas presents. He was rushed to hospital where it was discovered that a blood clot in Barry’s leg had passed to his brain. Barry had suffered a major stroke.

He lost his speech and most of the use of one side of his body. The family were in tatters. Sharon had to give up work to care for him.

Up until having a stroke Barry had managed the property portfolio and taken care of most of the maintenance himself. Could Sharon care for her husband, her family and the management and maintenance of the property portfolio too?

They considered putting the properties on the market but soon realised that after deducting selling costs and CGT there wouldn’t be much money left over. They would also lose their income and they would be leaving their tenants in a difficult predicament too. Sharon has had to employ a lettings agent to manage the portfolio. Since then it has cost the family an average circa £3,000 a month to pay for ongoing maintenance and management.

Fortunately there has been some good news, at least financially. First, low interest rates have meant that Barry and Sharon’s mortgages have got much cheaper than when they started their property rental business. Many of their mortgages have reverted to tracker products due to their fixed rates coming to an end. They are focussing on Barry’s recovery. What will happen when interest rates go back up again though? How will the restrictions on finance cost relief for individual landlords affect them?

The real saviour for the family has been insurance. Fortunately, Barry and Sharon were astute enough to insure against these eventualities. They took out life assurance policies that pay out a regular monthly income right up to Barry’s 65th birthday. These policies were written on the basis that they also pay out in the event of a critical illness. The family are therefore confident that these provisions will see them through these troubled times and out the other side. They will then revert to plan A, which was to live off surplus rental income over and above the mortgage payments on their portfolio or to sell the properties and live off their gains.

What insurance provisions have you made for your family?

How are you investing the windfall of increased cashflow that record low interest rates have produced for your family?

Have you made similar provisions to Barry and Sharon?  If you haven’t it may not be too late, we want to help.  If you have already taken advice and put insurances into place we would like to introduce you to one of our recommended advisers to review your policies and ensure they are competitive. Most important of all, to ensure that the right person gets the right money at the right time.


Damage caused by leak from neighbouring flat Latest Articles, UK Property Forum for Buy to Let Landlords

My tenants reported a very serious leak from the water cylinder to my letting agents, who called in my plumber, who could find no trace of a leak from the water cylinder.

When my tenants got home from work they found the next door neighbours pulling up carpets following a bad leak from their boiler (I had my tenant’s leaking boiler replaced not long ago). The neighbours’ letting agents are sending them a contractor to suck up all the moisture. Damage caused by leak from neighbouring flat

My agents say we can then assess if there is any lasting damage and make a claim on the buildings insurance.

I don’t think this can be right, as the building insurance is with the maintenance company and covers external, not internal problems.

Am I right in thinking that any claim I need to make should be against the neighbouring landlord’s policy?

Thoughts and advice appreciated.

Thanks

Christine


End of Tenancy Deposit Issues – Tenant Requests Advice From Landlords Latest Articles, UK Property Forum for Buy to Let Landlords

Hi All,

I realise this is primarily a landlords site, however nothing like hearing it from you on what will hopefully be an impartial landlord view. I like to believe I am a reasonable and honest tenant.

Background:

My landlady owns a number of properties in London (via a company). I moved in and a new AST was signed (3 bed place), as one of the previous tenants was staying it was agreed (among the tenants) the originals tenants would give £100 each (2 left, 2 came in, I was 1 of the new tenants) towards any damages that they have caused. So there was no official “check-out” for them (they were paid their deposit back in full by the landlady).
During this period the landlady placed our deposits in “insured” schemes which are OK but not great and she never dated them properly.

During the next 2 years both other tenants left any new ones came in (they swapped at different periods). New AST were created. In the interim Landlady goes into administration and the receivers stepped in. They placed our deposit into a custodial scheme.

She got out of it by selling a couple of properties and managing to refinance the remaining properties.
After she gained repossession of the property we did another tenant swap and this meant new AST and supposedly a new deposit protection scheme which we never saw (ie. she never applied for one).

Note 1: We have never missed any payments and always paid on time (for the 2.5 years I lived there).
Note 2: Landlady is still owing deposits to 2 other tenants that left almost 1 year ago (to be fair they should have applied A LOT MORE pressure but she keeps discussing different items that she wants to charge them for and delaying the process). She also seems to be dealing with them at individual level (almost as if she rent rooms out and charging for things that were never done like window cleaning).
Note 3: I took 3 days off work to make sure the property was left in excellent condition as I knew this was about to get messy (this inc professional carpet cleaners @ £115, professional cleaners suggested by her @ £135, I bought paint and brushes to make sure my room and common areas were not marked and left in pristine conditions), and paid a checkout report (although I never saw a check-in report).
Note 4: I am still liable to dispute the DPS custodial one as it was dated to finish in August (our tenancy finished in early September), however some of the names of tenants on that Deposit ID are different to the latest tenancy.

Our tenancy ended 6th Sep and the checkout report was issued 16th Sep (as inventory services agency took ages to produce the report).

Now she is doing the same to us, finding things that she maybe able to charge (including broken tile, leaking pipe, cleaning not up to standard [even though she recommended the professional cleaning company], stained sofa), given more time they will keep increasing.

Googling her name reveals some previous court cases and the cleaning company, check-out report company etc from what they told me sound as if she is the same with all her tenants in her other properties.

It obvious she does not play by the book and I have tried to be very patient and rational about all this. But to be fair to her she was patient with signing new ASTs and swapping tenants in contracts (but surely that is a saving on both sides as she does not have to market the property or have any downtime).

Questions:

  • How does she have to officially respond to checkout report and how long until we can start kicking and screaming for our deposit?
  • Given that the deposit is not in a “valid” protection scheme for the latest tenancy is there any mechanism to apply pressure? (I know landlords must place the deposits in these schemes but if they don’t they could have to pay multiples of the deposit… where can I go to talk discuss this option, I don’t want to get to this but will surely use this to keep her in line)
  • Should I dispute the deposit under the custodial scheme which has my name and 2 previous (not latest) tenants [who also have not yet seen their deposit back yet]?
  • How can I fight the several claims for several things which she wants money for?
  • Who do I go to for help on this? for example to take her to court or to dispute this end of tenancy given that it is not to my knowledge on any deposit protection scheme.

Please help, we (3 young professionals) all have 6 weeks rent tied here (not to mention 2 others who have also not yet seen their deposit back).

I appreciate all the feedback I can get. End of Tenancy Deposit Issues - Tenant Requests Advice From Landlords

I have rented different places in the UK over the last 10 years (Surrey and London), I have seen a couple of decent landlords but I have seen mostly awful ones. I do support the requirement for standards (licensing or accreditation), it is getting harder and harder to get on the property ladder and more young people will be renting for longer in the future, it is possible for landlords to keep their investments profitable and not have to play with people lives.

Many thanks

Andre


Leaseholder or Freeholder who is responsible? Latest Articles, UK Property Forum for Buy to Let Landlords

We purchased an off-plan flat in London from a well known developer about 6-7 years ago. A couple of months ago we received notice from the managing agent that the roof had been leaking badly and has caused substantial damage to some of the flats and needs replacing, thereby giving us notice of intention to carry out major work. They said they are trying to recover the costs from NHBC as the building is under 10 years old. Now we have received a demand for £2,200 to be paid by October. The total cost is nearly £152,000 divided between 74 flats. Leaseholder or Freeholder who is responsible?

We called the managing agent to get more details. Apparently, NHBC doesn’t cover the roof and the insurance doesn’t cover the roof either. It covers the damage caused to the flat but not the cost of replacing the roof.

The freeholders have approached the “First-Tier Tribunal Property Chamber”. They have, in view of the urgency, dispensed with the consultation period. The work is starting and we are expected to pay.

I would like to know if it is possible for both, NHBC and the insurers to deny liability and avoid paying?

Is it normal for an insurance cover on a big block not to cover the roof?

What good is the insurance policy that doesn’t cover the roof?

A hefty proportion of the service charge is for building insurance cover, taken out by the freeholder.

In cases like this when the policy doesn’t cover the roof replacement, is it the freeholder’s problem or the leaseholders?

Do the leaseholders have a legal remedy?

I asked the managing agent for contact details of other leaseholders to form a consultation forum. As expected, they hide behind Data Protection Act.

What is the best way of forming a Residents Action Group (or Leaseholders’ Action Group, since most flats are let and residents are tenants)?

More generally, can the residents choose the management company and the insurance cover or they have to accept what the freeholder chooses?

What do leaseholders need to do to get collectively the freehold of the block they live in.

I and no doubt many other readers would be grateful for any insights, suggestions or answers to any of these questions.

Many thanks

Sina


Party Wall Damp Ingress Latest Articles, UK Property Forum for Buy to Let Landlords

I own a 1900’s end terraced house that had some damp / water ingress via the defective chimney stack on the gable end, the chimney stack has been removed as the water was travelling down the gable wall and showing as damp on the internal wall and chimney breast (its a solid wall, not cavity), this should fix the problem after some drying out time.Party Wall Damp Ingress

The problem is whilst the roofer was on the roof they noticed the neighbouring chimney stack situated over the party wall was also defective, not dangerous but defective flashings and defective flaunching so water was also leaking in, this is travelling down the party wall and presenting itself as damp on my internal party wall causing bad damp patches, staining and wall paper to peel off.

I have on 5 occasions called round to the neighbouring house and no one has answered although they have been in, lights on and windows open etc, they clearly avoid opening the door, no reason why, ive never met them or spoken to them or had any reason to as I have just bought the house. I checked land registry to get owners name and hand delivered a letter just asking they call me about the chimney, I even offered to pay for the work, quoted £80.00, they have still not contacted me after 2 weeks, I realise the house may be let and tenants may not be bothered.

The roofer refused to fix it on site without permission from the owner.

what can I do next to prevent further water ingress ? I dont want to cause any hassle but its annoying and needs fixing.

Thanks for your anticipated advices……

Oliver


Cannabis Factory – Landlords Case Study Advice, Cautionary Tales, Guest Articles, Guest Columns, Landlord News, Latest Articles, Property News

How do you know if your property is being used as a Cannabis factory?

I’m writing this, having been involved recently in a case where a landlord got caught in this conundrum. Leona… we will call her for the sake of confidentiality. I thought I would tell her story for you as it is a classic commonplace tale that illustrates how these things work for landlords and us frontline workers.

Leona’s story.

Leona was renting out a flat she bought as an alternative to a pension, as so many do. She decided she would be best served by using a major high street letting agent.  Go to the professionals, get it done right. OK it will cost a bit more but at least you have some comfort knowing you are using the big names.

The agents took 6 month’s rent up-front. Common practice if the tenant has a bad credit rating and if they don’t have a credible guarantor.

5 months in Leona visited the property to talk to the tenant and see if everything was OK and find out if they wanted to continue the letting. Looking through the letterbox she saw dirt all over the carpets and what looked like several black bin liners full of soil. The bathroom window had been ripped from its hinges and was hanging loose. Through the gap she could see there wasn’t any furniture.

Suspecting that the property was being used as a Cannabis factory she contacted the police, who duly gave her a crime number but didn’t investigate further, probably because the bird had flown. Still not wanting to act in any way that may be deemed inappropriate she contacted her agent and told them about it. They said they would send someone to the property but a couple of weeks later she still hadn’t heard anything back.

When she phoned the agent again she was told that the particular employee didn’t work there anymore so nothing happened beyond a visit. They advised her not to change the locks and that they would serve a section 21 notice and begin the eviction process. At which point she came to me for advice.

The TRO story.

The tenant has another month on the fixed term so I am mindful that if Leona forces entry and changes the locks in error she could be committing an illegal eviction. She is nice and trying very hard to do the right thing so I agree to meet her at the property to see the situation first hand, mindful of the possibility that I might be attending a criminal act.

But I’m also very mindful of the fire hazard presented by the presence of a cannabis factory. In the past fortnight two of them have burnt down in our area, fortunately nobody was hurt but Leona’s flat is on the first floor of a tower block housing 60 families so a fire would be unthinkable. I have to act fast.

I also have contacts in the energy company EDF, specifically Bob and Steve who disconnect cannabis factories with the police, so I called Steve and he also agreed to meet up and see what the coup was.

The EDF story.

Bob and Steve disconnect around 9 or 10 cannabis farms each week in our area alone. They tell me that the main boosters for the equipment used can get up to temperatures around 50 degrees so are constantly on the verge of catching fire.

In our manor Vietnamese gangs are behind most of them, sometimes with willing European accomplices and sometime unwilling ones who are being blackmailed into acting as a front. It may be different gangs in different areas.

Steve runs a check and finds that the property is on an electricity key meter and being charged @ around £70 a week, so whoever the tenant really is he isn’t running a TV and food mixer. Also the tenants underneath reported water leaking down through their ceiling. Steve advises this is usually the automated watering system.

The give-away for EDF is either a huge electricity bill or the complete absence of one. Often they turn up and find the electricity meter removed and the supply hot-wired to the street.

The Police story.

Many cannabis farms can be picked up by helicopters using thermal imaging cameras, at which point they contact EDF for them to run a check on electricity usage and billing names. That’s how some of them come to light but it isn’t fool proof. Farms in basements for instance are difficult to pick up.

As for prosecutions…..well. Cannabis farms are such an endemic problem that further investigation is a waste of time. Once the raid takes place the plants are bagged up and destroyed. No point tracking down fictitious tenants using fake documents

20 cannabis plants growing on a kitchen table will net the farmer £40,000 but in police terms would only be categorised as ‘Personal use’, so not worth prosecuting. A three bedroomed house turned over to serious farming will garner you £500,000, so the odd farm lost here and there gets absorbed into the overall costs, as merely risks of the trade.

I recently worked with the police on a farm where they found a black bin liner containing £50,000. In this case they know the owner but will struggle to connect him to the money or the farm even though we all know him by reputation.

Meanwhile back at Leona’s place

The tenant had changed the locks so she called a friend to climb in through the broken bathroom window and open the door from the inside while Steve and I stood by. Me to deal with any legal issues that may arise from the forced entry, Steve to verify whether or not the place was indeed a cannabis farm.

Once inside there were no signs of occupation, not so much as a stick of furniture or a toothbrush, but piles of soil littered the flat, containing marijuana leaves, discarded dead baby plants and bits of horticultural equipment and 10 black bin liners full of used potting compost.

The tower block in which Leona’s flat sits is part of a row of 3 in the same street. While we were there Steve got a call from the police. It transpired that there were another two farms in the other blocks that needed to be disconnected.

Whether or not they are linked to Leona’s tenants is anybody’s guess but at least they won’t get away with harvesting the other ones.

We left Leona, her sister and their friend to begin the clean-up operation. Put back one of the doors that had been removed, sweep up the piles of dirt on the carpets. She got off lightly to be honest. A good afternoon’s cleaning will get it back to normal.

So what can you do to guard yourself?

Well the 6 month rent up-front ploy is a good indicator. They do this so they won’t be disturbed. It may be that rent in advance is simply because they don’t have a good credit rating or a guarantor but bear in mind it is also a classic sign of skulduggery. You have to ask the question; if their credit rating is so bad, how come they have £5,000 or £6,000 to bang down on the counter?

In such cases you could announce a visit after the first month to make sure they are all settling in and happy.

If you think there is something fishy going on call EDF and mention your concerns, they will look into it from their end. They may not tell you the exact state of play on the person’s account, they have to be mindful of the Data Protection Act but they do know the signs and have more powers if something really is amiss.

Talk to neighbours to see if they have noticed strange comings and goings such as late night visits with a van loading and unloading. The equipment is quite bulky and difficult to install on the QT. In Leona’s case they cut the pigeon netting on the balcony and hauled it all up on ropes to avoid being caught by the tower block’s CCTV in the entry area.

If you have strong suspicions call the police in. remember cannabis farms are a major fire hazard and you could end up losing the property entirely, not to mention endangering the lives of the neighbours.

If the police visit and it turns out that it’s all in error, well it’s only a little bit embarrassing, easily set right with an apology and a bottle of wine.

Finally, if as Leona’s agents did, they tell you that they will serve a section 21 forget it. You don’t have the time for that, each day that goes by makes it more dangerous. Call your council, call EDF, call the police, make waves but remember these things are run by criminal gangs, don’t tackle it yourself.Cannabis Factory Landlords Case Study


Rent2Rent Scheme Gone Wrong Landlord News, Latest Articles, Property News, UK Property Forum for Buy to Let Landlords

Rent2Rent Scheme Gone WrongI rented my property to a company who in turn sub-let the property for the same term. The tenancy was an AST in the company name and I retained a deposit that was not insured.

The company provided me via email a tenancy agreement and I introduced additional clauses to accommodate sub-letting but apart from that I accepted the agreement they provided. I met the director of the company, initially he was going to find me tenants but after only one viewing and no offers he suggested that I rent the property to his company and my rent would be guaranteed. All my dealings were with him, he said he would find tenants for my property and my rent would be guaranteed. I accepted three months copies of his company bank statements as proof of income. I was going to live abroad and hoped to rent the property for at least two years, however unforeseen circumstances brought me back to London and I gave notice requiring possession of the property at the end of the initial term of one year. Continue reading Rent2Rent Scheme Gone Wrong


How can honest Landlords remove bad or non paying tenants Landlord News, Latest Articles, Property News, UK Property Forum for Buy to Let Landlords

Recardo writes to raise a debate on how honest landlords can remove bad or non paying tenants.

I have been a landlord for 12 years and as I manage my own BTL properties I am always looking for information and procedures on this industry. I have even written in the past for advice from other landlords on Property118, and I hope this article will help other landlords.

Over the years I must just have been lucky as I didn’t get any bad tenants, but over the last year I have had three. Must be a sign of the times.

One was a long term tenant who after signing a new 12 month tenancy wanted to leave 10 weeks later with 1 months notice. Another has just left after a year because “things just kept breaking”, front door lock, back door lock, toilet flush twice in 2 months, glass in the oven door (£220 to replace). Broken basin taps, and leaking connecting pipe. I just could not afford to keep this tenant on. The worst one I want to talk about is a tenant who stopped paying the rent and the hassle and stress that has caused.

This lady was in her 2nd year of tenancy when she had some “problems” and stopped paying the rent, she has a stay at home partner and a couple of kids. they were receiving LHA and she was the only worker. Her “problems” led to her loosing her job.

After she missed her first rental payment I contacted her to ask what was happening and she  said she was having a few problems, but it would be paid in a couple of weeks. After 2 weeks you’ve guest it no money, so I went on the chase and emails went unanswered and no reply to my phone calls. I sent her a section 21 giving her about 10 weeks to vacate (2 full months required). I also offered her a payment plan to catch up on her rent so I would not have to proceed with an eviction (my first). I also said if I had no reply within 5 days She would receive a copy of the section 21 in her hand delivered by my cousin, who is local and does small repair jobs for me.

She then contacted me three days later by email to say how sorry she was and she had received my notice, but she had lost her phone, and would you believe it her internet connection had gone down at the same time. No I didn’t, but if no money was received in seven days the eviction would proceed. She said her mum would lend her some money, but no money came as her mum was ill and taken to hospital.

It was now time for her 2nd rental payment (2 months) which she missed again. I contacted the council on that day to say she had missed two payments although agreeing to a payment plan, so could I have her LHA directly, and I had served her a sec 21 notice. They agreed to do this and I started to receive £565 from them although the rent was £725. At least I was getting something and if it was a private tenant with no RGI it would be nothing.

The day for them to leave on my notice was fast approaching, but she said she could not leave as they would be according to the council making themselves homeless. As such they would not have any responsibility to rehouse them! Isn’t it about time the council were banned from this practice. I have given 10 weeks notice and the tenants have made themselves homeless by not paying the rent they receive from the council to help house them. The lack of rent makes them homeless, not a court order.

Next step: Download a Claim form for Possession of Property. A four page form. As a landlord you have done nothing wrong, the tenants have broken their agreement to pay the rent. If they will resume they can stay there for the next 10 years. Question 7 on the form, have you taken a deposit if so was it held under a tenancy deposit Scheme, who with, give the reference Number. Was every one involved given the prescribed info etc etc. Are you sweating? Who’s on trial now! Is your deposit protection correct, up to date, and info sent to tenants been recorded and singed for by them? Phew thanks to reading the 118 site mine was.

This court process only cost a £175 fee, but that’s Ok as you can reclaim it from the tenant who hasn’t got a job or two pennies. They then have 2 weeks to appeal.

Luckily (you notice how lucky I’ve been so far, hope you are too) 3 weeks later there has been no appeal (as far as I’ve read no appeal against a sec 21) and the court has given them 18 days to move out. So that’s alright then this all started nearly 5 months ago.

The tenants receive the following court order: On 1st March 2013 District Judge——– etc. The Court Orders the defendant gives the claimant possession of ——- on 18th March 2013. The defendant to pay the claimant £175 costs.

I then receive a call from the partner (first time in nearly 2 years), this is the first he’s heard of this and they need more time to move. I said “I’m sorry you don’t talk to your partner who was paying part of the rent, but since she stopped 5 months ago I want my house back now”.

His response “this house isn’t worth 725pm, it’s falling apart and I’m going to paint all your walls black, you need to get a new gas cert as this one has expired it’s the law.”

Mr response was “you should not be in my house, so I’m not getting a gas cert until you leave and if the house is not worth the money then leave. On my last inspection there was no complains and the house looked fine to me. if you want to do some work I will bring you some magnolia and pay you to redecorate” he then hung up.

I sent the bailiffs form off (£110) on 18th and I’m still waiting for a date. If the tenants wait for the bailiffs I hope they can take their old car, TV etc to pay my court costs, because the lost rent has gone forever.

Universal Credit starts soon so I am sure more evictions are on the way and my advice is to make sure all your paperwork is correct and up to date because if not you’re the one on trial.

The tenant refuses to move on a notice, then on a Court Order on 18th, so are they in contempt of court? Are they squatters, new laws say the police can move them! Why would I be in court for going knocking, or wait till they are out and change the locks? Why does the landlord have to spend more time, money and lost rent to get the bailiffs in? What can we do to change the system on faster evictions and stop the council policy of advising tenants not to leave? A section 8 seems a waste of time when people have no money, but a sec 21 served for non payment of rent should mean they are out in 2 months.


Seven Benefits to Tenants of Dealing Directly with a Landlord Landlord News, Latest Articles, Lettings & Management, Property News

Seven Benefits to Tenants of Dealing Directly with a LandlordReaders response letter to the article entitled “Landlords should not be allowed to let their own properties” in which our reader lists seven benefits to tenants of dealing directly with a landlord in response to …. “give me 6 good reasons why these other not their fault necessarily but unaware Landlords should be allowed to. If you get past 3 I will be impressed!!” Continue reading Seven Benefits to Tenants of Dealing Directly with a Landlord


My tenants have flooded my property but who’s problem is it? Buy to Let News, Cautionary Tales, Landlord News, Landlords Insurance, Landlords Stories, Latest Articles, Lettings & Management, Property Investment News, Property Investment Strategies, Property Maintenance, Property News

I received a phone call a month or so ago to saying that my tenants have flooded my property and wanted me to pay to get the damage fixed. I suspect your response would have been the same as mine. Obviously I asked what had happened and they said they didn’t know. Apparently my tenants had been away and left relatives in the property when the problem occurred. I asked if anything was leaking and it wasn’t, nothing was blocked either. The scale of the damage was quite bad, the problem was a flood in the bathroom which had effected downstairs walls and ceilings. I didn’t need Sherlock Holmes or Miss Marple to solve this mystery, their guests had obviously let the bath overflow.

Obviously I refused to pay for the damage and I told the tenants to claim on their insurance. They don’t have any. Not my problem I say, you’d better work out what you are going to do about it. I heard nothing more so I left it. Life is never that simple though is it! This morning I received a phone call from my tenants sister …………

Continue reading My tenants have flooded my property but who’s problem is it?


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