To mangle and conflate two separate curses: “When the fates wish to punish writers, they grant us interesting times to live in and write about.”
Before I moved to Dovecot Towers, I was largely ignorant about both the enigmatic world of urban newbuild flats and the harrowing effect of mass buy-to-let. Like many others, I had even walked by Dovecots blithely believing them to be comfortable, even vaguely glamorous, upmarket apartments. Now I know better.
The very first weekend I lived there, I heard a truly horrific domestic assault in one of the flats below. I was the only resident to call the police, who had trouble locating the building. There was plenty more to come.
Many memories will haunt me forever. Davey’s death is the worst thing I’ve ever seen anywhere, and afterwards I found it very hard to live here. I hope Sarah escapes the horror of that night, that she finds peace of mind and happiness in the future. Imagine how she’ll feel if she sees Dovecot Towers in the distance through the window of a speeding train, or is inadvertently driven past. The flowers on Davey’s shrine were never stolen (somebody tidied the wilting memorial and left fresh blooms.) New tenants moved in to the flat last week. I wonder if they know what happened there. I hope nobody tells them.
Elsewhere, the ‘murder’ mystery is still unsolved, but police eventually described the flat as containing a crime scene with forensic evidence but no body. They suspect (or rather, have concluded) that something terrible happened. Meanwhile the incident file on Dovecot Towers gets bigger every day.
I always thought that when I left, I’d have my revenge on Dovecot Towers (especially its more irksome inhabitants.) Thumping Techno Boy beat me to the door. Many nights were spent watching my breakables and crystal dancing to the sonic impact of his tunage. I planned to visit at 5am, and press on his doorbell to wish him a cheery goodbye. I also wanted to install a powerful sound-system underneath Georgie the posh 24 Hour Party Girl, and serenade her with recordings of bagpipes or wolves howling for an entire weekend. Unfortunately she left before I did.
Sadly, in the previous few weeks, several friendly tenants moved in, people who would chat and pass the time of day. One couple even had a baby (this might seem strange, but hearing the baby crying was a welcome taste of humanity.) Then there was Yuri and Lev, the affable, upbeat Eastern Europeans who skilfully negotiated their rent down with their landlord when he tried to increase it, as living here was so, well, challenging.
As for my landlord, William, well he’s incommunicado, and never gave me a reference, never even told me when or whether the bailiffs were due. Mending my credit rating and retrieving the money stolen from my bank account is the next task in hand. Something as simple as a block of flats has devastated us both.
Moving out was easy. I was already packed, and didn’t have the flat professionally cleaned (it’s being repossessed; the bank can pay.) Despite my best efforts, the bathroom still looked filthy as mould was rapidly colonizing the walls. Tiles were put up from top to bottom, instead of the usual (i.e. non-cowboy) practice, from bottom to top. Consequently the tiling crumbled and collapsed, providing a handy gap for damp and spores. The day before I left, every light bulb in the kitchen/diner/lounge died in unison, which could have been a sign. I turned off my music, and listened to the building for one last time. Silence. Now there’s a first.
I sincerely hope the management company from hell keep their promises. They assured me there would be improvements, and I hope they keep the occupants of Dovecot Towers happy and safe, a hope which diminishes with every passing day.
The night before I moved out, the people staying below me (in a hotel apartment) sang rugby songs until 5am. I closed the door and drove away, without looking back. I dreamed I dwelt in Dovecot Towers. It was a nightmare.
Showing posts with label repossession. Show all posts
Showing posts with label repossession. Show all posts
Tuesday, 25 November 2008
Tuesday, 28 October 2008
Battered By Butterflies
There’s a proverb suggesting that apparently insignificant actions can have disproportionately large consequences: a butterfly flutters its wings and on the other side of the world, a million people die.
Throughout my time in Dovecot Towers letters were stolen from the communal post-room. My landlord seemed extremely sympathetic, but to be honest, I was never sure if he took the problem seriously.
Earlier this year, I tried to withdraw cash but my card was declined. I had no phone credit, no food and no fare to reach my friends and ask for help. It was a nightmare. I couldn’t pay my rent. I emailed my landlord explaining: my post-box robbed, my cheque book stolen, my bank account emptied, then a debit-card was taken despite banning my bank, or anyone from sending post to my home.
This might still look bad on my part, but remember that William’s side of the ‘pay rent – maintain property’ bargain is habitually broken. Previously, he admitted that he wouldn’t want me to leave, acknowledging that I’m a good tenant. Even so, he didn’t bother to get his arse into gear and organise repairs. However much he needed my money, I think he was overwhelmed by the demands and responsibility of managing property.
As forcefully as I could within the boundaries of carefully assertive tact, I said that if he didn’t make a fuss, if he didn’t really cause a commotion and press the management company, nothing will change. The management noted, but ignored his requests. He claimed to know them, but I don’t think they were his friends; for once in his life, I think he felt important. Emphasising that I couldn’t sort this problem out myself, I added that the situation won’t vanish of its own accord and reminded him that even if I do reach the end of my tether and leave, subsequent tenants will be equally irate and then move as well. He agreed, and offered to fit a letterbox on my front door. Remaining sceptical, I thanked him.
Meanwhile on Wall Street, vultures, not butterflies were flapping their wings. Soon, William’s many mortgages were in arrears. Interest rates had risen dramatically and he was clinging to financial life by his over extended fingertips. Along with a vacant flat elsewhere, my missing a payment had pushed him over the edge. The bank has delayed replacing my money since (I suspect) they think I am somehow complicit. Those repairs are not his fault, but most definitely his responsibility.
When William and I met up, he asked what it would take to make me stay. I think he intended to muddle through the recession, but now he knows that Dovecot Towers is thoroughly unsafe, and that I couldn’t stay even if I wanted to. William should have sorted out the post-box situation, the unlikely tipping point which nudged him towards financial catastrophe.
And so, a butterfly fluttered by. A door was broken, another remained unlocked. A post-box was crow-barred open. Life became difficult for me, while an admittedly ineffectual, but otherwise decent man was devastated. Nothing is ever simple.
(NB: This morning, there was a sign, marked urgent, on the post-room door, from our new caretaker: ‘Persons have gained access and levered open the post-boxes, stealing the mail. I have informed the police.’ Then someone delicately explained that it’s been like that for over a year. Bless him for caring, though.)
Throughout my time in Dovecot Towers letters were stolen from the communal post-room. My landlord seemed extremely sympathetic, but to be honest, I was never sure if he took the problem seriously.
Earlier this year, I tried to withdraw cash but my card was declined. I had no phone credit, no food and no fare to reach my friends and ask for help. It was a nightmare. I couldn’t pay my rent. I emailed my landlord explaining: my post-box robbed, my cheque book stolen, my bank account emptied, then a debit-card was taken despite banning my bank, or anyone from sending post to my home.
This might still look bad on my part, but remember that William’s side of the ‘pay rent – maintain property’ bargain is habitually broken. Previously, he admitted that he wouldn’t want me to leave, acknowledging that I’m a good tenant. Even so, he didn’t bother to get his arse into gear and organise repairs. However much he needed my money, I think he was overwhelmed by the demands and responsibility of managing property.
As forcefully as I could within the boundaries of carefully assertive tact, I said that if he didn’t make a fuss, if he didn’t really cause a commotion and press the management company, nothing will change. The management noted, but ignored his requests. He claimed to know them, but I don’t think they were his friends; for once in his life, I think he felt important. Emphasising that I couldn’t sort this problem out myself, I added that the situation won’t vanish of its own accord and reminded him that even if I do reach the end of my tether and leave, subsequent tenants will be equally irate and then move as well. He agreed, and offered to fit a letterbox on my front door. Remaining sceptical, I thanked him.
Meanwhile on Wall Street, vultures, not butterflies were flapping their wings. Soon, William’s many mortgages were in arrears. Interest rates had risen dramatically and he was clinging to financial life by his over extended fingertips. Along with a vacant flat elsewhere, my missing a payment had pushed him over the edge. The bank has delayed replacing my money since (I suspect) they think I am somehow complicit. Those repairs are not his fault, but most definitely his responsibility.
When William and I met up, he asked what it would take to make me stay. I think he intended to muddle through the recession, but now he knows that Dovecot Towers is thoroughly unsafe, and that I couldn’t stay even if I wanted to. William should have sorted out the post-box situation, the unlikely tipping point which nudged him towards financial catastrophe.
And so, a butterfly fluttered by. A door was broken, another remained unlocked. A post-box was crow-barred open. Life became difficult for me, while an admittedly ineffectual, but otherwise decent man was devastated. Nothing is ever simple.
(NB: This morning, there was a sign, marked urgent, on the post-room door, from our new caretaker: ‘Persons have gained access and levered open the post-boxes, stealing the mail. I have informed the police.’ Then someone delicately explained that it’s been like that for over a year. Bless him for caring, though.)
Labels:
buy to let,
landlords,
post-room,
repossession,
tenant
Tuesday, 21 October 2008
Sympathy For The Devil
I am surrounded by boxes. My belongings are all packed up and ready to go but I’m wondering about my landlord. ‘William’ is a decent man: jovial, down-to-earth, compassionate and reasonable. Admittedly, he never got round to sorting out those blinds (by the time I had completely lost patience he was obviously going bankrupt) and I always organised repairs, which, while not ideal, hardly adds up to a Rachmanite reign of terror.
William is in trouble. He isn’t stupid, but then neither does he possess a rapier-like business mind; he’s no ruthless, highly driven tycoon. He simply followed accepted wisdom: invest in property. Many others did the same, a decision which has condemned them forever, as serial investors like William are burdened with around £750,000 of debt, if not more. He’ll never repay his creditors. I understand that even when you’re discharged from bankruptcy, they never let you go.
Nor was William unhinged by greed. Like many people he realised that we are all living longer, while the state pension, upon which we reasonably intended to rely, is shrinking by the day. Sensibly (it seemed) he accumulated flats to safeguard his future. Swiftly and easily he expanded his newbuild portfolio until he owned twelve buy-to-let properties. Who financed all those mortgages? The now infamous Northern Rock, that’s who, currently the official Emperors of Repossession, despite having been nationalised.
I may have inadvertently given readers the impression that William was based abroad: he’s not. He lives in a different town, far enough away to explain why he misunderstood the dodgy nature of this particular neighbourhood. When he bought my flat in Dovecot Towers the market was booming. His perhaps cannier friend was purchasing the flat next door, but quietly backed out.
William visited just the once, and gazed approvingly at a then modest building-site opposite, before announcing his ambition to invest there as well. He appreciated that the surrounding area was ear-marked for development, but was never told exactly how many better quality blocks were planned. Obviously, the widespread and ill-timed completion of nicer ‘apartments’ has devalued his stock.
We met recently on neutral ground. He wanted me to stay. I begged him to seek legal advice and stressed the dire nature of Dovecot Towers, emphasising the troubles I’ve detailed here. He was devastated, and actually started to sweat as the magnitude of his predicament hit home. Afterwards, I sent him a formal document detailing the many problems in this building which have decreased its value, intended to support any claim against the idle and ignorant management company if it allowed him to claw something back from this catastrophe.
My compassion is currently under strain, however. William has vanished without providing the promised reference. I know there’s a lot on his mind, but it’s impossible to find a flat without such assurances, and I don’t even know how long I can stay here. The bailiffs could arrive within the next month. I was living in the devil’s own piggy-bank, and somebody has smashed it.
William is in trouble. He isn’t stupid, but then neither does he possess a rapier-like business mind; he’s no ruthless, highly driven tycoon. He simply followed accepted wisdom: invest in property. Many others did the same, a decision which has condemned them forever, as serial investors like William are burdened with around £750,000 of debt, if not more. He’ll never repay his creditors. I understand that even when you’re discharged from bankruptcy, they never let you go.
Nor was William unhinged by greed. Like many people he realised that we are all living longer, while the state pension, upon which we reasonably intended to rely, is shrinking by the day. Sensibly (it seemed) he accumulated flats to safeguard his future. Swiftly and easily he expanded his newbuild portfolio until he owned twelve buy-to-let properties. Who financed all those mortgages? The now infamous Northern Rock, that’s who, currently the official Emperors of Repossession, despite having been nationalised.
I may have inadvertently given readers the impression that William was based abroad: he’s not. He lives in a different town, far enough away to explain why he misunderstood the dodgy nature of this particular neighbourhood. When he bought my flat in Dovecot Towers the market was booming. His perhaps cannier friend was purchasing the flat next door, but quietly backed out.
William visited just the once, and gazed approvingly at a then modest building-site opposite, before announcing his ambition to invest there as well. He appreciated that the surrounding area was ear-marked for development, but was never told exactly how many better quality blocks were planned. Obviously, the widespread and ill-timed completion of nicer ‘apartments’ has devalued his stock.
We met recently on neutral ground. He wanted me to stay. I begged him to seek legal advice and stressed the dire nature of Dovecot Towers, emphasising the troubles I’ve detailed here. He was devastated, and actually started to sweat as the magnitude of his predicament hit home. Afterwards, I sent him a formal document detailing the many problems in this building which have decreased its value, intended to support any claim against the idle and ignorant management company if it allowed him to claw something back from this catastrophe.
My compassion is currently under strain, however. William has vanished without providing the promised reference. I know there’s a lot on his mind, but it’s impossible to find a flat without such assurances, and I don’t even know how long I can stay here. The bailiffs could arrive within the next month. I was living in the devil’s own piggy-bank, and somebody has smashed it.
Labels:
buy to let,
landlords,
rental,
repossession,
tenant
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