Nothing Go On And No Rent

Recently, I’ve noticed that many people are finding this blog by googling the simple, unsettling phrase: ‘I can’t pay my rent.’

I’m not talking about the tiny minority of feckless tenants who blow the rent on booze and shoes only to then whine about the resulting eviction, but renters in a genuine bind: when pay or benefits come in late, jobs are lost, rent goes up, or flatmates move out.

When this happens, what do you do?

Negotiate – try and reason with the agent or landlord? Listen to me with my funny jokes. It takes a brave renter to pick up the phone and announce: ‘Hi! Just to let you know - can’t pay this month. I’ll catch up when I can, though. All the best and love to the kids!’

If you’re expecting sympathy, then dream on. Although, I did once speak with an award winning landlady who conceded that modern life is messy, and kindly agrees that as long as tenants contact her and honour a commitment to pay arrears, she would never turf them out. She doesn’t use a letting agent mind you, and therein lies the problem.

The other snag is that rents are too high, and wages and benefits are too low. Working life is complex, tenuous, and precarious: employment nowadays usually involves short term-contracts and temporary jobs, while dipping in and out of benefit claims and low pay, and subsequently being forced to choose: rent or food. What would you do?

There’s sometimes a chance that freelancers and part-time workers can make a back-dated claim for housing benefit, which is always worth a go. Many people are scared of appearing in court (which in reality is like sitting before a kindly man – yes it usually is a man – and explaining your actions.) Being in this position undermines every day, and disturbs every night. The threat of being thrown out and made homeless wrecks your peace of mind. Social housing is occasionally more understanding, but private landlord are stricter (let’s face it, they have a mortgage to pay and finances can be tight at the best of times.)

Of course, you can ask the bank for a loan, or an overdraft, or borrow money from friends and family. But if you are behind with rent, banks are unlikely to help and friends will probably have financial problems of their own.

The next step then is legal proceedings, which can start all too fast. If you are taken to court you can - and should - attend, so as to make a case for staying on and paying up. But what are the chances that landlords and agents will eventually give notice anyway, because they can, and because they want to (even you are a dream tenant wafted in from heaven and paid in full.) Once you miss a payment, you are stuck, and face either doing a runner, or submit to a bad reference from your landlord.

Like I said, it’s horrible. Nobody said that life was going to be easy, but why must it be so hard?

Pets Win Evictions

I don’t have a pet at the moment. Don’t get me wrong - I love animals, which is why I avoid them. I once bought a goldfish, and it lasted two hours (do you think I should have put some water in the bowl?) And so for me, renting is the best excuse not to have a pet (FYI – I’d love to own one of those miniature horses.)

Others are less considerate. People who live in flats exhibit a disturbing tendency to own creatures known as ‘house cats.’ To me this seems cruel: cats should be out stalking mice and fighting urban foxes, not sitting on a sofa eating custard creams and watching Loose Women.

The main problem however is that many landlords don’t allow pets of any kind which (here we go again) is different to the attitude of our wiser cousins on the continent, who allow tenants to treat their rented property like a home, part of which is owning a pet. I can understand that a rambling, shambling shared house with revolving doors and many occupants, each with a dog, would be un-manageable, but even in family homes, pets are forbidden.

But still people answer the call of the wild by buying a Chihuahua. In a shared student house, one, determined fellow tenant acquired an ‘illegal’ cat (pets were banned.) It had a habit of strolling in, bold as you like whenever the landlord came to visit, obliging us all to act outraged while claiming it belonged to a neighbour.

This worked well, until another housemate bought some zebra finches. It was like the circle of life: the devious cat managed to open the cage door, and devoured the little birds. Thing is we were all simultaneously horrified and grateful – those birdies made a vile squeaking noise, or else they squawked with fear.

The alternative, I suppose, is one of those nasty little dogs that live in a handbag and look like a furry pencil case, or more worryingly perhaps, resemble one of those humorous posing pouches I’ve been told about. But what is the ideal pet for a tenant? Gerbils? They are neurotic and they smell. Tortoises are banned as pets, and anyway – what’s the point – it’s like a matchbox toy with no wheels on, and they are dreadful at small-talk.

What harm can pets do – if looked after properly, they don’t make a mess (most animals are cleaner than many first year students, and I’ve been one) and if they scratch (puppies use doors as chewy toys) then the tenant can buy another door, or repair it.

Mostly I think it’s unfair to imprison animals in a flat – they all need space to roam, and dogs need a park to gad about in. Other than that, lizards and snakes should be banned due to being creepy, and because they eat rats. A friend once viewed a flat where the potential co-tenant introduced her to their pet tarantula. The ensuing screams curdled milk in the next town.

I'm Afraid For You.

I’ve written previously about the device I use which shows the keywords used to find this blog. Apart from the usual queries involving rubber gloves (still strikingly popular) recently, I’ve noticed a disturbing development.

There’s been a notably increased amount of phrases such as: “I’m afraid of my landlord.” Or “…my landlord comes round unannounced.” Worst of all was “My landlord threatens me.” Along with “Is my landlord entitled to go through my underwear drawer.”

No.
He isn’t.
Complain.
Loudly.

This might sound crassly obvious – but it’s horrible to live in fear. For most tenants, the next few years will be lived under a palpable sense of nervousness, as we ponder the perennial question: whatever will become of us? With increasing reliance on private rented housing, the regulation of agents and landlords has been ruled out, and – judging from some of the comments/keywords/comments I’ve seen, the other measures supposed to protect us simply do not work.

People are scared. Large scale private investors are looking to do what those individual buy-to-let investors did: build loads of news homes, and then decide who lives in them. Occupants (i.e. tenants) are not now, and never will be consulted about their needs, or even what they’d like from a home. And landlords…ah landlords…

They argue on a loop claiming to endure restrictions so tight they can barely breathe, let alone their sacred right to evict renters randomly at will and throw their belongings out on the street…(Oh, I’m being bad I know, but it’s a right they cling to.)

It is a paradox – most tenants like the freedom of renting a house: not feeling so tied down, living a life of short term contracts matched by short term living arrangements. But the downside is a life of insecurity: wilfully encouraged by landlords and letting agents, who delight in undermining any hard-won semblance of security.

But this philosophy is pernicious. It seeps and infects your life: tenants never know when they will have to move and are treated like mould in the bathroom – tolerated briefly and then eradicated.

And now we are scared. Some of us are terrified. Landlords are flexing their muscles, and in certain distressing cases - are behaving badly. Judging by the recent onslaught of questions about personal safety reaching me, it’s only a matter of time before something really bad happens.

So please: if you land here because you are being threatened and/or intimidated – please use more the helpful sites on the blogroll to the right of the page, especially the wonderful Shelter.

And remember this: you have rights. You are not vermin. You are a human being, paying rent to live in a building which is a home (not the physical embodiment of another person’s luxurious retirement bungalow dream) and you should not live in fear. Remember this when you are being terrorised: slipping away and not making a fuss is tempting, but if we don’t fight back, it’s going to get worse, and worse.

Lodging A Complaint

The idea of being a lodger still sounds dull, and seedy - redolent of rationed hot water, sneaking upstairs to hide ‘guests’ and terrifying battle-axe landladies. Don’t worry - by lodging I don’t mean boarding houses, but renting a room in someone else’s house.

Lodging is now officially encouraged: the last government even gave tax breaks to people letting out a room. And on the surface, it seems like a great idea – owner-occupiers are in trouble, and so many people bought two bed flats (dovecots) that they might as well let one room out.

If only it was that simple. First of all – who gets the en-suite room? Might seem petty, but these are things that lead to simmering white-faced resentment. A friend lodged as a student, renting a room from a testy, bitter couple both forced into low paid jobs and saddled with an unwieldy mortgage. Taking in a student must initially have seemed like a grand idea, but the situation grew nastier day-by-day.

First of all, they grew increasingly proscriptive about when she could use the kitchen. Then her allocated shelf-space was shrunk, and that precious allotted time in the bathroom was shortened. Remember she was paying rent, money they were relying on to stay solvent (maybe that’s why they were so tetchy – they resented the power unwittingly wielded).

They were stunned and hurt by her explanation for leaving: “…but you were a guest in our house.” That surely is the nub of the problem – lodgers are treated like couch surfer friends who have outstayed their welcome, rather than people who live in a room as of right, paying handsomely to so. I know of people who take in lodgers and appreciate the delicate power balance, and have the decency to treat their tenant more like a flat-mate than an irritation.

Another friend rented a room from an eccentric woman who collected cats (no – she was not called Mrs. Cliché) until the house was overrun with moggies, their hair, fur balls, and their spraying. She was unable to voice her anger as lodgers live on a licence, and can be given an hours notice on a whim for imagined slights. The upside is they can usually move immediately - as my friend did here.

Lodgers walk delicately across thin ice, which is carpeted with egg-shells. If owners don’t wash up, or leave their laundry mouldering for months in the machine, that’s their prerogative, and lodgers must smile sweetly and ignore it. They have no sense of ownership - no ‘purchase.’ Lodging twists the natural tenant relationship: everybody must be on their best behaviour, as lodgers can leave whenever they want, and landlords can give lodgers the push whenever they feel like it – just because they want to. It’s like having a landlord as your flatmate – tenants/lodgers must be understanding about repairs, and in turn they will see the effect of the good (and/or poor) management when owners sit opposite them in the lounge (that’s if they let you use it.) It’s a miracle that lodging based violent crime doesn't make the news on a daily basis.

Once Upon A Time.

This is a delayed reaction caused by extreme shock. I knew it would be really bad. By ‘it’ I mean of course the new regime. By regime I mean of course Grant Shapps, George Osborne and Ian Duncan Smith - aka The Three Stooges.

Over the years, I grew chillingly cynical, to the extent that I think I am being sarcastic even when I talk to myself. So why am I so incredulous at the latest pronouncements on housing? I thought I was immune, and am checking to see whether I’ve missed the point, or my brain fell out of my ears, or if all those ‘stupid’ tablets I've taken are starting to happen.

Here then, is the story. In the beginning, there was the housing market, which was quite deliberately cranked up, with humungous price rises seen as undeniably a good thing (naysayers were stoned to death.) A multitude of amateurs from the tribe called The Neophytes invested in property, because they didn’t have a pension. Rents rose.

Meanwhile the expansion in buy-to-let construction created vast swathes of identikit one or two bedroom flats, but as for much needed family housing – dream on, you deluded peasant. And yea, the rents rose. And then they fell, as flats were too numerous. And lo - the investors did go bankrupt. There was a plague of letting agents in Ipswich, and swarms of value consultants descended upon Birmingham. Verily we were being punished.

Given the climate of increasing job insecurity and pensions falling through the floor, I’m not convinced it’s the fault of the people who invested in property – I even suspect this is a deliberate ploy to undermine the working people, as those on short term contracts become more malleable, pliable, and simultaneously – breakable.

And still people just wanted somewhere to live. But jobs were hard to find. And through no fault of their own, people who didn’t expect to visit those lovely chappies at that marvellous Jobcentre+ thingy found themselves existing/subsisting/clinging to dear life on £64.30 per week (“…HOW much?”)

And then they lost their houses, but landlords were still ramping up rents and tenants had to claim Local Housing Allowance which didn’t cover all of their rent, and they had to top it up, because the landlords, the government, the banks – everybody actually - had encouraged rents to rise.

And then...and then…the new coalition government slipped into power. And they did spake unto the people exiled as ‘scroungers’ punished them with a budget that put a cap on the rent allowance: £240 a week for a one bed flat – even in London (really! I am being serious, I am not making that part up.)

What happened next? People couldn’t pay the rent, and fled to the imaginary social housing that was never built, or the pretend council houses that were all transferred or that never actually existed, or to the private rented homes they could afford, but which were miles away from friends, family, safety and jobs. Failing that, they became homeless.

This fairy tale does not have a happy ending. It is a horror story.

Like A Thief In The Night....

Back in the olden days, sinning was simple, there were seven – meaning we had clarity. Nowadays, it’s complicated: miscreants are pelted with stern looks for standing in the ‘10 Items or Less’ queue with twelve items, for interrupting (guilty!) and looking over your shoulder for someone better to talk to at parties (not guilty.)

Now we can add another item to the list of misdemeanours worthy of social excommunication: stealing broadband. The other day, my ISP emailed to tell me I had all but exceeded my allocation, and would be charged for further use.

How the hell did that happen?

I rarely download music and am not a gamer. In truth, with regard to computers, I am about as skilled as ‘Mrs Brady – Old Lady,’ and can barely turn the damn thing on. Still, I called the ISP, and spoke to a very kind man baffled by my incompetence and flummoxed by the fact that nothing worked as it should. Together, with fortitude, dedication, stamina and black coffee, we tried to change my security code.

One whole day dragged by, rippling with confusion: I ground my teeth to stumps and plaited my extracted hair to create a neat little coin purse, but did not manage to change my secret code. (Large font typefaces capable of distinguishing between a zero and a capital ‘O’ would help, but I digress…)

I still haven’t met my neighbours – I don’t know who they are. They exist only as angry handwritten posters demanding that we shut the door, or that we do not put glass into the recycling bin as the council forbid this - yet another modern sin. Occasionally, I hear a door slam, or notice the wafting scent of cheap, cheesy bleach used to mop the floor, then another notice appears, and I catch the unnerving sound of scurrying, or disembodied shouting. I know my neighbours are real because of shouting and ranting from one flat, and the aroma of old school tatties-and-mince. Occasionally, I slip on the thick muddy paw prints of their tiny, yapping, mostly housebound dog, but still I rarely see them.

Consequently, I can’t glare at the sinner on the stairs, or knock on every door to ask, since it’s my responsibility to secure the internet. Worst of all, I know the guilty thieving broadband git must be close by, and they’re guilty of playing ‘World of Warcraft’ for days on end, or downloading Michael Buble, and I get to pay.

So who is the evil thief – how do I unmask them? My enemy is can only be a neighbour, and they are invisible. Stealing my broadband is actually a crime, but you can imagine what the police would say if ever I were to call them expecting urgent sirens and flashing blue lights for a hue and cry?

Broadband theft is like appropriating someone else’s air. I never imagined being in a position where somebody could steal something so costly and essential to me, and that a bizarre system of notional walls could stop them. Or not, as the case may be.

Charting the Conversions

Outside of Scotland, older flats are rarely purpose built, but converted from the gutted shells of former family homes. In desirable locations, like Brighton and London, it’s rare to find a house still intact and not remade into a warren of tiny apartments. The consequences are exactly what you would expect from cramming five eccentric, inconsiderate, uninhibited, modern households into a building designed for one genteel Edwardian family, obediently busy with needlework so as not burden mama with one of her heads.

Conversions are frequently done on the cheap, and are insensitive to basic human needs, like privacy and security. Partition walls are made of plasterboard, so noise (arguments, music, sex, dogs) seeps through. Contemporary dividers were designed to limit the muted kerfuffle of a world before electricity and amplified sound, not block out thumping tunage and shouty phone arguments. Thin ceilings do not muzzle a world of home cinema, band practice, and power tools.

Houses in multiple occupation often have bathrooms squeezed into former cupboards, and it shows; damp and mould thrive in confined, poorly ventilated hutches. On the plus side, they have lovely high ceilings, and traces of original features like alcoves (ideal for shelves) and plaster moulding which gives a welcome sense of faded grandeur (sorry – that’s the only good news I can give you). It’s a sobering thought, but your generous two bedroom flat with desirable separate kitchen fits neatly into the parlour of what was once a modest Victorian home.

Rubbish is usually stored outside one unlucky window, so those sultry summer nights are a constant source of joy, what with the maggots, stench, and cats. Post is kept in a common area, so theft is frequent, and personal correspondence shared by all. One morning a neighbour handed over an envelope. ‘Time for your smear test, then?’ he wisecracked.

Conversions often have poor water pressure. They were built in the days when bathing was an annual indignity, and cleanliness implied laundered linen, heavy perfume, or a quick rub with a wet hankie. Every tenant needing a shower in the morning can cause the ancient plumbing to gurgle and splutter in a truly alarming fashion.

Protracted arguments arise over leasehold responsibilities, like who cleans the stair carpet, or pay for roof repairs. Some buildings share the garden access; others allow the dwellers of the dingy basement free run, just for some sunlight and Vitamin D (if not, developers could be sued for the resulting rickets).

Such flats are often hazardous, if not actually falling down. Sometimes there is structural damage, so tenants are evacuated for their own safety, or they spend the summer squinting at the sun from behind scaffolding and banners. The owners say you can move back when it’s all been mended, repainted, and resealed, but soon the building has been upgraded and sold on again. Pressing the landlord about repairs tends to encourage this.