Spring Issue - Camden Federation of Private Tenants

The CamdenPrivate TenantThe Voice of Private Tenants in Camden Spring 2009 Issue 3Hidden VictimsIt was recently reported in the mediathat up to 10,000 tenants living inbuy-to-let properties, could lose theirhome through no fault of their own,as landlords fail to pay mortgages andhomes get repossessed.Housing charity Shelter has also warnedthat there has been a “steep rise” inthe past six months in the number oftenants evicted with just a few days’notice - after landlords had defaulted onmortgage payments.The Council of Mortgage Lendersexpects 75,000 homes to be repossessedthis year, of which 12% are in the buy-toletsector – most of which house privatetenants.While the government has put pressureon lenders to help homeowners who arestruggling to avoid being evicted formtheir homes, little or no help has beenforthcoming for tenants facing similarcircumstances.Shelter has called on the governmentto improve tenants’ rights if the homethey are renting is repossessed by thecourts. This involves judges hearingcases having the power to take tenant’sneeds into account, and to allow thema reasonable amount of time to findalternative accommodation.What HappensLandlords should warn their tenants ifrepossession is a possibility, but chancesare the first you will know about itis when the court sends a Notice ofeviction (N54) to the property.The N54 will be addressed to thedefendant (usually the landlord) and“any other occupiers” and it will saywhen the bailiffs will be coming and atwhat time.Once the mortgage lender has beengiven a possession order, anyone livingin the property is deemed to be an“unlawful occupant” and can be evictedby bailiffs.What You Should DoIf you are a private tenant and havereceived such a letter – you should goand get housing advice IMMEDIATELY(see page 7 for details of where to go forthis in Camden).The newsletter for all private tenants (including housing association tenants and non-council leaseholders).

2 The Camden Private Tenantwww.cfpt.org.ukLHA - A Postcode Lottery?Local Housing Allowance (LHA) is thenew name for Housing Benefit in theprivate rented sector. Soon the majorityof those receiving help to pay their rentwill be on the new system. Those withAssured or Assured Shorthold tenanciesare affected, but Regulated tenanciesare not.LHA is different to the old system in twokey ways:A flat rate (subject to means testing)is paid by area and household size,and publishedThe benefit is paid directly to theclaimant and not to the landlord in allbut exceptional casesIt came into effect for new and changedclaims from April 2008 and wassupposed to be simpler, fairer and moreopen and accountable.Despite successes in speeding upclaim processing times – which werethe biggest problem with the previoussystem, criticism of LHA is growing.Shelter’s research shows that the largeareas used to set LHA rates means thatclaimants and their families are likely tobe pushed into or forced to remain in,the areas with the very cheapest rents.It also found very high rates of landlordswho refused to let properties to peopleclaiming LHA.The Sun and other tabloid newspapersran a mini-campaign in Autumn 2008,“outing” claimants with large familieswho were living in homes worth around£1m and paying rents of up to £12,000a month using LHA. They chose tofocus on the fact that the families theyhighlighted were born outside the UK,but in fact the stories revealed seriousweaknesses with the one-size-fits-allapproach taken by LHA. The supply ofvery large private rented homes thatLocalHousingAllowanceThe NewHousingBenefitSchemeare suitable for a family are extremelylimited, so the rent officers who setLHA rates are working with very smallsamples and these can be skewed by theluxury/ executive rent market in someareas of London.Many landlords are unhappy with it too,nervous that their tenants surviving onthe lowest earnings may use the benefitto pay for other things. It is no surprisethen that many are exiting this part ofthe market when they can.On the other hand, we know that somelandlords in cheaper areas are takingadvantage of the openness of LHA andincreasing their rents up to it, where itis less. This not only takes money thatshould rightfully be the claimants’ but italso distorts the local rental market.The government is also keen to reinin the budget for Housing Benefit andLHA, since the annual bill has reachedmore than £15billion a year. Ministersare nervously watching the cost of LHA,knowing that the private rented sector israpidly expanding in size and numbersclaiming it are sure to increase in linewith unemployment.What does LHA mean forCamden residents?Camden is split into two under LHA,with the (very roughly) southern partbeing in the Central London area, andreceiving the highest rates of LHAanywhere in the UK, and the rest fallingin a very wide LHA area, which runsfrom Acton across to Islington. So itreally depends which side of the lineyou live on. The table below showswhich neighbourhoods fall inside whichboundary. There is a large difference inthe amount you will receive dependingon which side of this line you are on,with larger homes attracting close todouble the rate in the higher payingcentral area than the lower. See tablebelow.These boundaries may seem logicalto the civil servants drawing themup and no one would dispute thatCamden Town and Primrose Hill areamong the most expensive areas torent in the country. But those of youwith local knowledge will find some ofthese rates odd. The boundary runs upthe southern stretch of Camden Road,meaning that the Agar Estate is in thehigher paying zone, whereas the moreleafy part of Kentish Town receives thelower rent. Are private rents in SomersTown really much more than those inSouth Hampstead and Swiss Cottage?Of course this is the problem when aboundary system like this is used – youhave to draw it somewhere!By Liam Reynolds, Researcher at Shelter,writing in a personal capacity.For details of how to claimLHA/Housing Benefit or CouncilTax Benefit see page 7LHA rates Per WeekKentish Town, Gospel Oak, South Hampstead,Swiss Cottage, upper Camden RoadCamden Town, Primrose Hill, Agar Grove, Regents Park,Somers Town, EustonShared /bedsit1 Bed SelfContained2 Beds 3 Beds 4 Beds 5 Beds£115.38 £260.00 £350.00 £495.00 £690.00 £900.00£160.00 £370.00 £525.00 £775.00 £1,150.00 £1,750.00

The Camden Private Tenant www.cfpt.org.uk 3News in BriefGoodbye CORGIFrom 1st April 2009, Gas Safe Registerreplaces the CORGI gas registrationscheme as the official gas safetyorganisation.So, from 1st April, by law, only Gas Saferegistered engineers should carry outwork on gas appliances or installationsin your home.If someone other than a Gas Safeengineer does work in your home, you,your family, fellow tenants or your homecould be at risk.They can be contacted on 0800 4085500 or go to www.gassaferegister.co.ukTop Ten Most ExpensiveAreasNewly published research from TheDeposit Protection Service (DPS) showsthat Westminster is the most expensivearea in the UK to rent, measured bythe average deposit demanded bylandlords.It comes in at a whopping £1,890 (asat Dec 2008) compared to Camden’s£1,376, which makes it the 10th mostexpensive.According to the DPS “What it doesshow is that at a time when houseprices are plummeting, rental values areholding up comparatively well.”Since 6th April 2007, every landlord orletting agent who takes a deposit froma tenant has to use one of the threeschemes run by The Deposit ProtectionService (DPS), The Dispute Service ormydeposits.Private Renting isGrowing FastLove it or hate it - the private rentedsector has been expanding at anunprecedented rate since 1988. Prior to1988, a lack of freely available supplymeant that renting was a limited tenureoption and the choice of just 9.1% ofall households. By 2008, 13.9% of allEnglish homes were privately rented.In Camden this figure is between 23-25% which puts it third out of all theLondon boroughs. Only Westminsterat 30% and Kensington and Chelseaat 25% have higher levels of privaterenters.Freedom of Information?The Freedom of Information Act 2000created a general right of access toinformation across the public sector.However, despite housing associationsand other registered social landlordshaving received millions of what werecouncil homes, often at minimal cost;together with receiving tens of millionsof pounds of Housing Benefit each year,they remain wholly unaccountable inany meaningful sense to the public, arenot currently subject to the Freedom ofInformation Act or to any other form ofopen public scrutiny.We therefore petition the Prime Ministerto subject all housing associationsto the provisions of the Freedom ofInformation Act 2000.Petition submitted by StephenGradwick. To sign it go to http://petitions.number10.gov.uk/foi-housing/Service ChargeAccountant FinedLeaseholders are being advised to checkwhether the accountant who signs theservice charge certificate for their blockis actually qualified to do so. Section 28of the Landlord and Tenant Act 1985requires it to be signed by a qualifiedaccountant who is also a qualifiedauditor. Joseph Bloomberg of Suite 109,Atlas Business Centre, Oxgate Lane, NW27HJ was fined £1,000 by the Institute ofChartered Accountants and ordered topay costs of £2,367 for signing servicecharge certificates when not qualified asan auditor. He signed accounts for over40 blocks of flats.Who’s Responsible?Which? (formerly the Consumers’Association) recently asked it’s memberswho rent a home the question: Whois responsible for repairs – 43% didn’tknow or got it wrong.Mark McLaren from the campaignsteam said “It’s really worrying how littletenants know of their rights”. He wenton to add “A basic consumer principle isthat people have information to knowwhat’s good and what’s not; the rentalmarket seems to fail this test.”Makey-up world ofletting agentsPatrick Collinson, Editor of the Moneysection in the Saturday Guardianrecently wrote: “I love the makeyupworld of letting agents and theirpreposterous fees. The huge finder’sfee to landlords and as much as £400to tenants for “administration” – whichamounts to a few pieces of photocopiedcontracts. A credit check fee (£150?). Aninventory fee (£80?). An insurance fee. Achecking out fee. A cleaning fee.”“They simply make up these charges asthey go along, hoping that the mainlyyoung clientele think they have nochoice but to pay up. These vulnerableyoung people, often laden with studentdebt, are hit with a load of tripe. Theyare spurious items which, if they haveany basis in fact, should fall on thetenant, not the landlord.”The good news is, it looks like thereis universal acceptance (even fromthe letting and managing agentsthemselves) that standards are poor andstaff are often unqualified. This couldlead to their mandatory regulation inthe near future.

4 The Camden Private Tenantwww.cfpt.org.ukCarrie Harrison(September 1953 – January 2009)The founder of the Camden Federationof Private Tenants (CFPT), CarrieHarrison, recently died in Tasmania,having moved to Australia in 1995.After graduating from Durham University,Carrie moved to north London where shethrew herself into a hectic range of work,and community politics.Those who knew her soon becameaware that beneath her sociability therewas an astonishing steely competence,an ability to solve almost any practicalproblem, and a deep moral sense ofhow people should be treated.The miserable treatment of tenants byprivate landlords in Camden was thefirst issue to engage her in this way.Marshalling legal knowledge, precisedescription of conditions, her economictraining and an iron determination,Carrie and a group of friends andactivists, engineered the buying out andrenovation of these failing properties tobe run as a co-operative by the tenants.During the 70s and 80s, apart from themanaging the finances of the co-op shebecame Chair of the National Campaignfor Bedsit Rights, and the founder of andfirst worker at the Camden Federation ofPrivate Tenants.After leaving CFPT, Carrie spent 6months as a volunteer in South Africa.In 1995 Carrie and her partner movedto Australia, where she worked as theIT manager for Australian VolunteersInternational, which provided volunteersfor community projects in Asia, thePacific and Africa.Many present members will probablynot know Carrie’s name but she is fondlyremembered by a few veterans.Camden Councillor HeatherJohnson writes:My involvement with Carrie went backto about 1980 when I first got involvedwith the Federation. Carrie had been acampaigner/activist on private rentedsector issues for some time, lots of itstemming from her own experiencesas a private tenant. She lived in fairlygrotty private rented housing ownedby a landlord called Gilders. She andanother group of tenants decided todo something about the condition oftheir properties and set out to start aGilders Tenants Association. They werefairly certain that their landlord had asubstantial property holding, but didnot know where it was all located. Inthose days the rent collector was stilla common sight on London streets, sothey did a bit of sleuthing with varioustenants following him to identifythe properties he visited. They thenmade contact with residents at thoseaddresses. The tenants associationbecame quite strong and eventuallyit became the basis of TANC (TenantsAssociation of North Camden), whicheventually became a housing co-op.Carrie however did not stop at her owndoorstep and along with Nic Madgeand Rob Harding at Camden LawCentre amongst others, started to bringtogether private tenants that the lawcentre came across. When one tenantcame to them for advice, they wouldfind out where the rest of the portfoliowas and get the tenants together. Amajor part of the campaign was topress Camden Council into action andthis activity took many forms. Somecouncillors were already sympathetic,but for those who needed morepersuasion various tactics were adopted.I have vivid memories of being in thecouncil chamber for housing committeemeetings where a group of middleagedand elderly men, all tenants ofone particularly bad landlord, dottedthemselves around the chamber inbetween officers. The problem for thecouncillors was that they did not exactlyknow who were officers and who werenot, the consequence being that thetenants were able to pipe in at varioustimes and cause a certain amount ofchaos whilst getting their point across.Eventually the council agreed to fundCFPT, only the second funded privatetenants federation in the country (afterthe one in Paddington which wasfunded by the Greater London Council)and Carrie became its first worker.The Fed was extremely influential atthat time and made a lot of inroadsinto Camden policy. A private sectorsub-committee of the main housingcommittee was set up and CFPT weregiven co-opted places on to it. One ofher main focuses in terms of Camden’sshortcomings was the EnvironmentalHealth department. Despite theappalling conditions that could befound in the borough’s private rentedhousing, Housing Act notices were a raresight. Carrie was threatened with courtaction after including a statement in thenewsletter that an officer, well know fordragging his feet, had ‘never knowinglyenforced a notice’. Her tactics werestraight to the point and sharp edged,but they certainly got action from thelocal authority.Carrie did not restrict her campaigningto private tenants. She was also afounder member and very active in theArlington Action Group which fought toretain and upgrade accommodation inthe Arlington Road hostel.She was also involved in the HMO (Homesin Multiple Occupation) group, later theCampaign for Bedsit Rights, that startedup to fight for licensing and fire safetyimprovements in large HMOs and b&bhotels after the dreadful fire in ClanricardGardens in Kensington & Chelsea.After Carrie left her post at theFederation in 1984, she still remainedinvolved as a member of themanagement committee for a numberof years. She was also a good friend andsupportive colleague. I last saw her inTasmania about five years ago. Despitehaving been through the chemo andradiotherapy from her first fight withcancer, Carrie was still her old self.CFPT owes it’s whole existence toCarrie’s dedication and exuberance andI also know that I wouldn’t be sittingwhere I am today if it hadn’t been for thesheer fun of working with her.

The Camden Private Tenant www.cfpt.org.uk 5The Search BeginsThis is the time of year when, as well as the pressures of exams,many of Camden’s students are also looking for private rentalaccommodation. Some will be looking for it for the first time,others moving from one house or flat to another. Landlordsand agents alike are flooded with requests for affordablerented accommodation and everyone is desperate to get thebest deal they can.If you are a student looking around flats, here are some thingsto consider:How much are you prepared to pay to live centrally?Would you prefer to pay less and live further away? Howmuch will it cost you to commute?What is the area like? Make sure you visit the area at nightto be sure you feel safe coming home late before you agreeto rent anywhere.Landlords now have to do an energy efficiency survey(see previous issue of this newsletter for more about this –available at www.cfpt.org.uk). An efficient house is greenerand cheaper – ask to see the certificate.If there is anything you want changing in the property beforeyou move in, agree it in writing before you pay a deposit.If agents ask you for fees to run inventories, draw up acontract and do the rest of the paperwork, ask to see someprinted literature containing these costs. They are entitledto charge you but it’s worth checking the costs are standardand not just made up on the spot.Happy house hunting and good luck with your forthcomingexams.If you are a student and have a housing problem, contact theRights & Advice Centre on 020 7679 2998 oremail: uclu-rights.advice@ucl.ac.uk.Kate RowleyUCL Students UnionWelfare OfficerNote from the editor: Due to the large numbers of students whorent privately in Camden, we have decided to carry a regulararticle catering for this group. If you are a student – get in touchwith your experience of renting in Camden (good or bad). If youare a college – get in touch if you would be interested in writingsomething for Camden’s students.Knowledge is PowerCamden Federation of Private Tenants was recently invitedto do a stall at University College London Union’s (UCLU)“Housing Week”, which took place at the end of March.Housing Week is an event, where each day a differentorganisation such as the council’s environmental health team,the Police or Shelter gives out information about the service(s)they provide and answers a wide variety of questions.On our day we spoke to about 60 students who were eitherrenting in Camden or thinking about moving here, when theyleft halls of residence.An example of the advice we gave was when you first go into aproperty check its condition and contents carefully against theinventory, or you may get blamed later for something that isnot your fault. If there is no inventory, make your own and takephotos of furniture, carpets etc.Another thing we continually emphasised was : if you donothing else, make sure your rent deposit is protected in oneof the three government approved schemes – and if you’re notsure get proof from your landlord!

6 The Camden Private Tenantwww.cfpt.org.ukSupporting the Good – Driving out the BadPrivate Rented Sector Conference SuccessAround 50 people from as far away as Blackpool and Brighton attended oursuccessful conference on 25th March.It was the first conference held in London that looked at how things couldbe improved for private tenants, in the light of the government-initiatedRugg Review.The event was opened by Councillor Chris Naylor and was followedby speakers from the Chartered Institute of Environmental Health andResidential Landlords Association. The afternoon session was kicked off byDr Julie Rugg herself, and ended with Murad Qureshi, a London Assemblymember giving the London-wide perspective.Councillor Chris Naylor, Executive Member for Homes and Housing Strategysaid: “I was very pleased to be involved in the Camden Federation of PrivateTenants’ conference, which attracted tenants from across the borough andfurther a field, and brought together key speakers and experts.”Chris Naylor opens the proceedings“I was also very glad to announce that we have agreed to embark on areview of the private rented sector in Camden, with the Federation, to get aclearer picture and so inform Camden’s new Housing Strategy.Julie Rugg, co-author of the Rugg Review said: “This was the first event Ihave attended where I have had an opportunity to talk directly to tenantsabout my report.”Robert Taylor, Organiser, Camden Federation of Private Tenants said: “Whenyou hear an expert speaker say that it is expected 30,000 people will havedied as a result of the recent cold Winter, it just shows how urgently thingsneed to be improved in the private rented sector. We will be working veryhard over the coming months with Camden Council and others to ensurethat these and other shocking private sector housing statistics become athing of the past.”Julie Rugg explains her reportFreshwater Property ManagementLandlord Watch“I am a Freshwater tenant and no longer suffer from their neglect of upkeepbecause the blocks of flats here are mostly owned by long-leaseholdersand the blocks are kept in good repair. Freshwater’s standard of behaviourregarding this flat is alright now.”For more reviews of them online go to:http://www.touchlondon.co.uk/business/list/bid/86027http://www.allagents.co.uk/freshwater-property-management/Regent 2000 Properties LtdHave you rented one of their properties?Was it a good or bad experience?(Please note: if anything is subsequently published, it will only be with yourpermission and you will not be identifiable in any way).Member AppealWe have recently been contacted by amember who is a leaseholder and who asksthe following questions:Do you know of any specialist insurance brokerswho concentrate on insuring whole residentialblocks of flats?Or does anybody know of any breakdown oremergency maintenance companies who offer24-hour repair services under annual insurancepolicies or separately?He has had a bad experience of being overchargedby landlords who either use inappropriate brokersor uncompetitive companies, resulting in highlyinflated service charges.Please get in touch with us – if you can help.

The Camden Private Tenant www.cfpt.org.uk 7Where to go for HousingAdvice in CamdenCamden Council Private SectorHousing Advice Team179-181 West End LaneNW6 2LHTel: 020 7974 8855 (between 9.30am–5.00pm)Monday, Thursday, Friday(9.30am–4.00pm, drop-in)Tuesday (9.30am–1.00pm, 4.00pm–7.00pm,drop-in)Wednesday (closed)Camden Community Law Centre2 Prince of Wales RoadNW5 3LGTel: 020 7284 6510Monday, Wednesday, Friday(10.00am–4.00pm, drop-in)Wednesday evening (appointment only)Camden Town Neighbourhood Advice CentreMary Ward Legal Centre26-27 Boswell StreetWC1N 3JZTel: 020 7831 7079 (call for more informationabout housing advice availability)Monday, Tuesday, Thursday, Friday(10.00am–1.00pm, 2.00pm–5.00pm)Wednesday (open to existing clients only)Fitzrovia Neighbourhood Association39 Tottenham StreetW1T 4RXTel: 020 7580 4576Tuesday (10.00am–1.30pm, open door adviceservice)The College of Law – Legal AdviceCentre14 Store StreetWC1E 7DETel: 01483 216528(call to make an appointment)BPP Law School – Legal Advice Clinic68–70 Red Lion StreetWC1R 4NYTel: 020 7430 5668 (call to make anappointment)Shelter London Housing Advice LineTel: 020 7014 1540 (telephone advice only)Monday – Friday (10.00am–1.00pm)Housing Advicefor LeaseholdersLeasehold Advisory ServiceProvides free legal adviceto leaseholders, landlords,professional advisers, managersand others on the law affectingresidential leasehold andcommonhold.Monday-Friday(9.30am-5.00pm)Tel: 020 7374 5380Email: info@lease-advice.orgWebsite:www.lease-advice.org.ukPrivate Sector HousingAdvice Team(see box on the left for theirdetails).ARE YOU ALOCAL BUSINESS?Want to reachlots of potentialcustomers?Then why not choosethis newsletter?It’s cost effective andgoes out to a widevariety ofindividuals andorganisationsacross Camden.Contact Robert Taylor for ouradvertising rates(details on the back page)

MEMBERSHIP FORMName of group*Become amember ofCamdenFederationof PrivateTenantsGroup member* £30Individual student member £5Individual member £102 I am a: (please tick one)I/We wish to have annual membership ofCFPT as an:3 4Regulated TenantAssured Shorthold TenantAssured TenantHousing Association TenantLeaseholderOtherDateSignedTotal amount paid £I would like to make adonation of (optional) £Become amember ofCamdenFederationof PrivateTenantsPhone no EmailAddress1NameBecome amember ofCamdenFederationof PrivateTenantsCFPT needs youCFPT is the voice of private tenants in CamdenWe work with and support private tenants in Camden toorganise and campaign for better protection, rights and services.We lobby the government, the council, landlords and a varietyof other bodies and organisations to get things changed andimproved.We work closely with other local community groups,organisations and national charities such as Shelter.We also signpost people to advice agencies, and provideinformation, support and basic advice on a wide variety oftenancy-related issues.If you are interested in getting involved withus you can:Become a member (see the left hand side of this page for detailsof how to join)Become a volunteer (visit our website for more about this)Join the Management Committee (call or email us about this)TranslationCFPT est la voix des locataires dans le secteur privé de lamunicipalité de Camden. Nous travaillons avec les locataires dusecteur privé de la municipalité de Camden et nous les soutenonspour qu’ils s’organisent et mènent une campagne afin d’obtenir unemeilleure protection, le respect de leurs droits et une prestationde services.CFPT es la voz de los inquilinos del distrito de Camden.Trabajamos con los inquilinos del distrito de Camden y lesayudamos a organizarse y a conseguir más protección, derechos yservicios.CFPT é a expressão dos inquilinos privados em Camden.Nós trabalhamos com os inquilinos privados em Camden e lhesdamos apoio para organizar e fazer campanha por melhoresdireitos, serviços e proteção.Job no. 1111/08CFPT waa codka gaarka ah ee ijaartayaasha xaafada Camden.Language: Job no. 1111/08 BengaliWaxaan la shaqaynaa oo ka caawinaa ijaartayaasha Camden in ay isLanguage: Bengalihabeeyaan uuna ololeeyaan kobcinta amaanka, xaquuqdooda iyoadeega.1111/08 Arabic1111/08 1111/08 Arabic Arabic 1111/08 Arabic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amden Federation of PrivateTenantsFREEPOST LON12470LondonNW1 2YWAs a member of CFPT you will receive the quarterly newsletter, be kept informed of currenthousing issues, changes in legislation and relevant campaigns.You will also receive invites to meetings, events and have free access to our office resources.By joining, you are helping to make us a bigger, stronger and more effective organisation.Please fill in your details andsend (no stamp required) withpayment to:Camden Federation of Private Tenants isregistered under the Industrial andProvident Societies Act as The CamdenFederation for Private Tenants LimitedRegistered No: 25086RThe individual views expressed in this newsletter are not necessarily thoseof the Camden Federation of Private Tenants.Camden Federation of Private Tenants11-17 The Marr, Camden Street, London NW1 0HETel: 020 7383 0151 Email: admin@cfpt.org.uk Web: www.cfpt.org.ukEditor: Robert TaylorDesign: www.intertype.com