[joeysteele]

Personally,I see absolutely no point a all in building houses/flats with only one bedroom, it leaves no room for growth of a family at all.
There are now very few dwellings for those affected by the bedroom tax to move to,yet they still have to pay the thing, even if they are willing to move but the local Authority has no smaller dwelling to move to.

It should have only ever applied, had I ever thought it something that needed doing, to only 3 bedroomed houses,with the 3rd bedroom if not used paid for but it should never have applied to only 2 bedroomed houses/flats.


However it must be costing loads to implement it, for the local authorities to have to keep chasing rent arrears,for the cases taken to court to get eviction orders, which are then suspended by the Court and small repayments ordered off the arrears on arrears.
Then having to put in the discretionary payments too to subsidise some people affected by the tax.

What an administrative nightmare it must have turned out to be and it cannot be saving much, if anything at all.
Far better to cut the losses now and get rid of it, just get more dwellings built and get on with that quicker too.
A bonkers policy,badly planned and badly implemented.

[Johnnyuk123]

Originally Posted by joeysteele

Personally,I see absolutely no point a all in building houses/flats with only one bedroom, it leaves no room for growth of a family at all.
There are now very few dwellings for those affected by the bedroom tax to move to,yet they still have to pay the thing, even if they are willing to move but the local Authority has no smaller dwelling to move to.

It should have only ever applied, had I ever thought it something that needed doing, to only 3 bedroomed houses,with the 3rd bedroom if not used paid for but it should never have applied to only 2 bedroomed houses/flats.


However it must be costing loads to implement it, for the local authorities to have to keep chasing rent arrears,for the cases taken to court to get eviction orders, which are then suspended by the Court and small repayments ordered off the arrears on arrears.
Then having to put in the discretionary payments too to subsidise some people affected by the tax.

What an administrative nightmare it must have turned out to be and it cannot be saving much, if anything at all.
Far better to cut the losses now and get rid of it, just get more dwellings built and get on with that quicker too.
A bonkers policy,badly planned and badly implemented.

I agree 100%
This policy brought in by the Labour party now needs removing.

[kirklancaster]

Originally Posted by Johnnyuk123

I agree 100%
This policy brought in by the Labour party now needs removing.

Naughty Johnny.

[Johnnyuk123]

Originally Posted by kirklancaster

Naughty Johnny.

Everyone knows that the Labour party introduced the bedroom tax way back in 2008. Facts are simply that Kirk...Facts!

[Kizzy]

Originally Posted by Johnnyuk123

Everyone knows that the Labour party introduced the bedroom tax way back in 2008. Facts are simply that Kirk...Facts!

Nobody is disputing that fact :/

[DemolitionRed]

Originally Posted by Johnnyuk123

Everyone knows that the Labour party introduced the bedroom tax way back in 2008. Facts are simply that Kirk...Facts!

Labour don't get off scot free but lets at least get the facts right.

The Labour government started a pilot scheme in 2001 in the private sector. This came to an end in 2003.

The Labour government introduced a similar restriction on Housing Benefit for tenants of private landlords in 2008 called 'The Local Housing Allowance'.
https://en.wikipedia.org/wiki/Local_Housing_Allowance

Clearly this was not a bedroom tax and still isn't (christ knows why they call it a tax)

[joeysteele]

Originally Posted by Johnnyuk123

I agree 100%
This policy brought in by the Labour party now needs removing.

You can harp on about that till the cows come home if you want and we have discussed this at length before but since you ignore all my points as to it I see no point in humouring you any more as to it.
It was a Labour plan that is 'fact',, and in no way planned to be in any way,(even had they decided to go along with it), to the severity and extent the policy became and was only then implemented by the Conservative led coalition govt,that is fact too.

Continually ignore those facts if you must.

[Kizzy]

Originally Posted by Johnnyuk123

I agree 100%
This policy brought in by the Labour party now needs removing.

It was brought in to reduce the housing benefit bill and only applied to those over housed in private rented accomodation.

Which makes sense, place them in a smaller private rented home or social housing within the cap...sorted.

As it stands the reverse is happening, people are being turfed out of social housing into more expensive private rented accommodation, with as many if not more bedrooms than they had previously!

How does that make sense?

[DemolitionRed]

Originally Posted by joeysteele

Personally,I see absolutely no point a all in building houses/flats with only one bedroom, it leaves no room for growth of a family at all.
There are now very few dwellings for those affected by the bedroom tax to move to,yet they still have to pay the thing, even if they are willing to move but the local Authority has no smaller dwelling to move to.

It should have only ever applied, had I ever thought it something that needed doing, to only 3 bedroomed houses,with the 3rd bedroom if not used paid for but it should never have applied to only 2 bedroomed houses/flats.


However it must be costing loads to implement it, for the local authorities to have to keep chasing rent arrears,for the cases taken to court to get eviction orders, which are then suspended by the Court and small repayments ordered off the arrears on arrears.
Then having to put in the discretionary payments too to subsidise some people affected by the tax.

What an administrative nightmare it must have turned out to be and it cannot be saving much, if anything at all.
Far better to cut the losses now and get rid of it, just get more dwellings built and get on with that quicker too.
A bonkers policy,badly planned and badly implemented.

Totally agree with this.

Downsizing affects people who regularly have a grandchild over for the night and what happens if a late teenager leaves home for a year but then finds they can't manage and want to move back in with their parents?

I agree that not enough were built, especially if we now penalize people who have a second bedroom they don't use. I also think, so long as someone with a spare room has applied to downsize, the bedroom tax for them should be stopped.

I know someone who has been waiting for over a year to downsize but there's nothing available. When some friends on the same estate who are on the waiting list for a bigger flat suggested they swap, the council wouldn't allow it. The one with the two bed flat has got into rent arrears and threatened with eviction even though she's trying her best to downsize.

I'm not sure why you believe it was brought in by the Labour party Johnny. It was brought in by David Cameron and Nick Clegg's. Labour wants to ban it.

[Northern Monkey]

The bedroom tax and policies like it are the reason i would never in my life vote Tory.It's a pity the Labour party are so far out of touch with reality aswell and the Lib Dems don't know what they stand for.

[DemolitionRed]

What's really unfair is, those on benefits who rent from the private sector don't get penalized for having a spare room and private sector rentals are usually higher than social housing. Why is this only applicable to social housing ?

[Kizzy]

Originally Posted by DemolitionRed

What's really unfair is, those on benefits who rent from the private sector don't get penalized for having a spare room and private sector rentals are usually higher than social housing. Why is this only applicable to social housing ?

They want all social housing sold off and families in the ones they have, shunting those over housed and on benefits into private rented accommodation. They don't have the right to dictate how many private landlords have in their property, as long as the rent is less than the benefit cap then it's fine, the council don't have to fund repairs for private rented accommodation either so won't give a rats ass.

[DemolitionRed]

Originally Posted by Kizzy

They want all social housing sold off and families in the ones they have, shunting those over housed and on benefits into private rented accommodation. They don't have the right to dictate how many private landlords have in their property, as long as the rent is less than the benefit cap then it's fine, the council don't have to fund repairs for private rented accommodation either so won't give a rats ass.

Yep, that explains things.

[user104658]

Originally Posted by DemolitionRed

What's really unfair is, those on benefits who rent from the private sector don't get penalized for having a spare room and private sector rentals are usually higher than social housing. Why is this only applicable to social housing ?

That's not actually how it works... private renting people on benefits are given a "bedroom allowance" the same as those in social housing, and the money (housing allowance) paid to them is only enough to cover the "local average" for a property of that size.

e.g. if a family of 4 is in a 3 bedroom house with a private rental price of Ł550 pcm, but they are only "entitled to" 2 bedrooms and the local average for a 2 bedroom property is Ł450 pcm, then the absolute maximum they will get for rent is Ł450 pcm. The rest they will have to cover by other means.

This is actually a huge problem because, in truth, what they call "the average" seems to be dramatically skewed towards the lower end. E.g. for benefits purposes, around where I live, they say a 2-bed average is Ł450. I have very rarely seen a 2-bedroom property being rented out for less than Ł525.

Another example: single people, I think under the age of 35, only get a "shared accomodation" rate. Enough to rent one room, not a whole one-bed flat. Problem? In towns like this one, there is little to zero shared accomodation available. As usual, it's something that works fine in larger towns and cities, but is utterly useless outside of that.

I'd actually guess that the majority of housing allowance private sector tenants will have to add extra cash from elsewhere to make up their rent. Usually more than the excess charged for a spare room in a council-owned property.

[Kizzy]

Originally Posted by Toy Soldier

That's not actually how it works... private renting people on benefits are given a "bedroom allowance" the same as those in social housing, and the money (housing allowance) paid to them is only enough to cover the "local average" for a property of that size.

e.g. if a family of 4 is in a 3 bedroom house with a private rental price of Ł550 pcm, but they are only "entitled to" 2 bedrooms and the local average for a 2 bedroom property is Ł450 pcm, then the absolute maximum they will get for rent is Ł450 pcm. The rest they will have to cover by other means.

This is actually a huge problem because, in truth, what they call "the average" seems to be dramatically skewed towards the lower end. E.g. for benefits purposes, around where I live, they say a 2-bed average is Ł450. I have very rarely seen a 2-bedroom property being rented out for less than Ł525.

Another example: single people, I think under the age of 35, only get a "shared accomodation" rate. Enough to rent one room, not a whole one-bed flat. Problem? In towns like this one, there is little to zero shared accomodation available. As usual, it's something that works fine in larger towns and cities, but is utterly useless outside of that.

I'd actually guess that the majority of housing allowance private sector tenants will have to add extra cash from elsewhere to make up their rent. Usually more than the excess charged for a spare room in a council-owned property.

That is separate to the spare room subsidy.

'This change affects council tenants, and those who rent from housing associations, who are housing benefit claimants. It does not affect private sector tenants who are already subject to certain rules.'

http://www.bbc.co.uk/news/business-21321113

[user104658]

Originally Posted by Kizzy

That is separate to the spare room subsidy.

'This change affects council tenants, and those who rent from housing associations, who are housing benefit claimants. It does not affect private sector tenants who are already subject to certain rules.'

http://www.bbc.co.uk/news/business-21321113

It is, but I was pointing out that it isn't true to say that "those on benefits who rent from the private sector don't get penalized for having a spare room". They are. The amount they are paid towards their rent is subject to the same "bedroom number" restrictions as council tenants. So, they don't get penalised IF they can find a property with more rooms, but for the same rent as the average property with fewer rooms. Thats not very often the case, though... more rooms in a house = higher rental prices.

[Kizzy]

Originally Posted by Toy Soldier

It is, but I was pointing out that it isn't true to say that "those on benefits who rent from the private sector don't get penalized for having a spare room". They are. The amount they are paid towards their rent is subject to the same "bedroom number" restrictions as council tenants. So, they don't get penalised IF they can find a property with more rooms, but for the same rent as the average property with fewer rooms. Thats not very often the case, though... more rooms in a house = higher rental prices.

That's due to the benefit cap isn't it? It is as restrictive yet there is no medding of lifetime tenancies, throwing those with disabilities out of adapted properties.
Bedroom allowance isn't as black and white, if you can find a home to suit your needs for the money you are entitled to there is nothing to stop you taking said house. This is why people on welfare are priced out of private renting in the capital and are making their way oop north.

[DemolitionRed]

Originally Posted by Toy Soldier

That's not actually how it works... private renting people on benefits are given a "bedroom allowance" the same as those in social housing, and the money (housing allowance) paid to them is only enough to cover the "local average" for a property of that size.

e.g. if a family of 4 is in a 3 bedroom house with a private rental price of Ł550 pcm, but they are only "entitled to" 2 bedrooms and the local average for a 2 bedroom property is Ł450 pcm, then the absolute maximum they will get for rent is Ł450 pcm. The rest they will have to cover by other means.

This is actually a huge problem because, in truth, what they call "the average" seems to be dramatically skewed towards the lower end. E.g. for benefits purposes, around where I live, they say a 2-bed average is Ł450. I have very rarely seen a 2-bedroom property being rented out for less than Ł525.

Another example: single people, I think under the age of 35, only get a "shared accomodation" rate. Enough to rent one room, not a whole one-bed flat. Problem? In towns like this one, there is little to zero shared accomodation available. As usual, it's something that works fine in larger towns and cities, but is utterly useless outside of that.

I'd actually guess that the majority of housing allowance private sector tenants will have to add extra cash from elsewhere to make up their rent. Usually more than the excess charged for a spare room in a council-owned property.

Thanks TS
I was aware of the cap on private rentals and that, that cap varies depending on where you live. It used to be (I used to work for an estate agent that also did rentals) that someone who was working full time could be subsidised for rental payments if they earned under a certain amount but it was rarely enough to pay the full amount in rent.

I worked in Surrey where lots of smaller property was available but prices were high and so even the top capped rentals were beyond most people who had to claim entire rents.

Yes, private tenants don't have to have an extra room to not afford rent which of course is unfair but its not a penalty on the number of bedrooms, its just a housing benefit that's far too low to pay the rent in full with.

The other thing about renting privately is, you are expected to fork out a hefty deposit, pay a month or two rent in advance; get a short term contract where the tenant is expected to pay every time its renewed. You often have to pay for the closure of that contract and many people have a fight to get their full deposits back, regardless of how clean and tidy they've been. On top of that rents can suddenly go up on contract renewal and like you say, landlords/agents can give you notice after a mere six months.

People who privately rent don't have the security of knowing they can live in a place for long. They also know that if they don't have a good agent, that agent will try and screw them for more money at every given opportunity. If they have children or pets finding property is more problematic. If they smoke they have to lie and say they don't and if they are on benefits they will be turned away by most landlords. Private rentals is the biggest scam on the property market and although I'd recommend renting to anyone in this present unpredictable crisis, if its security of a long term home they are looking for, I'd warn them off.

More social housing is needed because more and more people are renting their homes. Landlords and agents have got greedier and greedier over this past decade and its time they were stopped. But the present social housing system doesn't work and they have no intentions of making it work.

I would love to see a government that will bring back affordable social housing for anyone who needs it.

[Kizzy]

To those who have campaigned against the so-called ‘bedroom tax’ from the beginning, Wednesday’s decision by the appeal court to rule the policy discriminatory and unlawful will come as no surprise. To those who continue to defend the policy, this ruling should act as a stark reminder of its remarkable failure.

When it was first introduced by the coalition government in 2013, the bedroom tax aimed to cut the welfare bill and free up in-demand housing. The policy works by cutting the benefits tenants receive by 14% if they have one spare bedroom and a staggering 25 per cent if they have two or more.

At first, it may seem reasonable to some to cut people’s benefits if they are living in a house with one or more spare bedrooms. The idea is that this significant reduction in income will encourage the occupant to move to a house where all the rooms are used, therefore freeing up the larger property for those who require more than one room.

However, when you begin to look at the implications of the policy, as well as the failure to achieve one of its main goals, it becomes clear that the bedroom tax has been a disaster from the off.

According to the government’s own research published in 2014, almost 60 per cent of those affected by the bedroom tax were in rent arrears as a result of the policy. Furthermore, according to a survey carried out by the National Housing Federation in the same year, around one in seven families had received eviction letters and faced the prospect of losing their homes.

Even more worryingly, research carried out by the government’s Department for Work & Pensions found that three-quarters of those affected by the policy have had to cut back on food, while 46% had to cut back on heating and 33 per cent on travel. Clearly, the bedroom tax is having an extreme impact on those who are already struggling, forcing them to scale back on the essentials. Such a situation is simply unacceptable and confirms the fears many raised when the policy was first introduced.

http://www.independent.co.uk/voices/...-a6838596.html

[DemolitionRed]

Watch Parliament TV: Urgent Question on under-occupancy. It’s a very heated debate and worth watching or listening to.
http://parliamentlive.tv/event/index...65?in=10:35:34

[Kizzy]

Brilliant! thanks red

[DemolitionRed]

I certainly wouldn't buy atm. Five years from now is a good plan.

I'd advise anyone who's not on a fixed rate mortgage for the next five years to get on one asap because if the economy crashes, the interest rates will rocket and there's going to be loads of default.

[user104658]

Originally Posted by DemolitionRed

I certainly wouldn't buy atm. Five years from now is a good plan.

I'd advise anyone who's not on a fixed rate mortgage for the next five years to get on one asap because if the economy crashes, the interest rates will rocket and there's going to be loads of default.

There's also this... Friends of ours have just bought a detached 4 bed house with "land", moving up from a 2 bed property (that was fully paid off). But they have stretched their repayment budget to the absolute maximum and also wiped out their savings. With things as precarious as they are, it seems like a massive risk.

[Kizzy]

Originally Posted by Toy Soldier

There's also this... Friends of ours have just bought a detached 4 bed house with "land", moving up from a 2 bed property (that was fully paid off). But they have stretched their repayment budget to the absolute maximum and also wiped out their savings. With things as precarious as they are, it seems like a massive risk.

It does, hey move in with them while you save up

[user104658]

Originally Posted by Kizzy

It does, hey move in with them while you save up

Reckon everyone from Tibb should just chip in and pay my deposit tbh...

In all seriousness though; every one of my friends my age who now owns property has had help to do so. Money left by grandparents, or have been able to stay with family while they save, etc.

For us on the other hand... My parents sold the family home when they divorced 12 years ago, my mum drank her half of the money and then died leaving nothing (well no, that's not fair there was some money and I paid off student debts, so it's now gone) and my dad moved into a one bed flat so that he could, as far as I can tell, spend the majority of his half on guitars and gadgets.

My wife's family... Well... We lived 15 minutes walk from them for a year and a half and then literally moved countries to be away from it .

Not that I'm even saying everyone is entitled to family help. Just that most young families who want to buy, these days, need at least a little.

Maybe I could adopt a grannie or something. A really old and rich one and then I could inherit her cash. If she was super old I'd probably only need to have sex with her two, maybe three times...