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Michael Johnson Amzac Estates Ltd

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my expertise in the industry

Michael Johnson's Recent Activity

As the expert economist Milton Friedman used to say business is about profit and loss. As a person who has been in the property business for over 40 years I am a bit bored of landlords moaning when they have a loss and think its chocolates and roses every day of the week. Most landlords aren't in business they are just asset holders and truthfully its better for the whole industry if these types of landlords weren't around. Superdry have paid their rent for quite a number of years and are now on hard times , the decision is purely commercial and not emotional. The pension companies can make the choice of 50% of something of 100% of nothing. Good for Superdry for having a go especially when their back are against the wall and have nothing to lose. Profit and Loss!!!!

From: Michael Johnson Amzac Estates Ltd 17 April 2024 14:26 PM

Funnily enough we didn’t have a housing crisis or rent increase problem in 2014 did we? And then Osbourne started on the PRS and took away tax relief, wear and tear allowance, local authorities increased licensing, more and more regulations and now 10 years later things are dreadful for both tenants and landlords

From: Michael Johnson Amzac Estates Ltd 05 April 2024 08:10 AM

The government are playing the public for fools. Regardless of colour they look at more ways to raise taxation, increase regulation and generally create a mire of any form of enterprise. That's whoop all the huge companies seem to have got even bigger. We really need to return to smaller government, less taxation and much lower public spending but no one will be prepared to do this and the UK will eventually collapse financially

From: Michael Johnson Amzac Estates Ltd 08 March 2024 16:17 PM

There are no perfect solutions to housing. Either you spend billions building social housing which will be an albatross around the neck of local government as most public servants can’t run a bath as opposed to managing a large housing portfolio or you allow a free market ( with minimum safety standards) and allow the customers make deals with the suppliers. It’s patently obvious that the middle ground isn’t working. Easy to fix but hard to sell without annoying the entitled do gooders. Ultimately the customers ( tenants) would prefer to live somewhere that’s safe and reliable rather than the uncertainty we have now after 10 years of government intervention and best intentions and we all know where good intentions lead.

From: Michael Johnson Amzac Estates Ltd 04 March 2024 10:11 AM

I have been listening to Thomas Sowell and Milton Friedman from talks from the 1970’s and they both discuss the liberals obsession with perfect solutions which seems to be the driving force behind most government intervention into free enterprise markets. If they continue to over legislate the rental market then undoubtedly it will become much better than it ever was from a safety perspective and quality ( my assumptions) however the trade off is that it will reduce in size and increase in price so there will likely be people who can’t afford or won’t appreciate the value. The reality is that it can’t be both and there needs to be a happy medium. Introducing licensing, removing wear and tear allowance, refusing to recognise the sector as a business therefore attracting entrepreneurs relief, removing tax relief on interest payments, confusing green policies, overzealous council employees, doubling council tax, removal of property rights etc etc. Ultimately the do gooders who wanted to protect the tenants ended up putting them on the streets. You will reap what you sow.

From: Michael Johnson Amzac Estates Ltd 01 March 2024 08:43 AM

More poor legislation to mitigate the effects of more poor legislation to mitigate the effects of poor fiscal and monetary policies. It’s like the blind are leading the stupid

From: Michael Johnson Amzac Estates Ltd 23 February 2024 09:06 AM

Personally I think this is a very important article in the fact that it’s so mistaken. Starmer is as left wing as Corbyn but hides it well. They will attack wealth, property and success with a fervour we have never seen. Rachel Reeves will not stand in their way. You can see this by their rhetoric on private schools despite all of the evidence they will go ahead as it’s an attack on perceived privilege. I hope I am wrong but starmer is no blair

From: Michael Johnson Amzac Estates Ltd 10 February 2024 11:53 AM

Just lost £7500 trying to get a mortgage with paragon, their solicitors made sure the deal was held up and we finally ran out of time as the mortgage offer expired. They may have been the darling of buy to let , now they are just con merchants in my opinion

From: Michael Johnson Amzac Estates Ltd 05 February 2024 08:02 AM

Ben Beadle as useful as a chocolate teapot. Imagine knowing that your role was to stab the people you represented in the back!

From: Michael Johnson Amzac Estates Ltd 19 January 2024 15:56 PM

More and more legislation is this administration’s answer to everything. In the history of business and economics has there been growth in an increase of bureaucracy. Economically speaking Wales is on its knees, there are no markers in health, education, transport, wealth that are better than 20 years ago. Imagine seeing the numbers and pretending that all is well.

From: Michael Johnson Amzac Estates Ltd 10 January 2024 10:45 AM

Unfortunately the people drafting the legislation are not experts and rely on pressure groups to formulate the policy, to top this off the very MPs who should scrutinise the legislation are quite frankly as dull as dishwater. The 1988 housing act was developed for the purpose of creating an open market and it’s not the responsibility of the private rental sector to accommodate people who need social housing. Having had dealings with our MP over various issues I can guarantee that he would have never earned an equivalent salary in any other job so if this standard of personal is the gate keeper then the country is doomed

From: Michael Johnson Amzac Estates Ltd 02 November 2023 07:54 AM

AirBnB is an online platform that provides no accommodation whatsoever and is like an economic leech similar to bookingdotcom Uber and Amazon marketplace. As their platforms causes so much controversy it’s a good idea to keep quiet. However tenants are not the property owners and therefore have limited rights. Here is a novel idea, buy your own property and do with it what you want. Until then pay the rent and accept it’s not yours, however you feel about it

From: Michael Johnson Amzac Estates Ltd 30 October 2023 08:37 AM

What was the point of Rent Smart wales then? Prospective tenant's can look up the intended property to see if its registered and who the landlord or agent are. If they agents or landlord have been subject to criminal proceedings then surly they would not have a licence as that's one of the conditions of having a licence in the first place. Honestly Wales has become the dustbin for power hungry nobodies.

From: Michael Johnson Amzac Estates Ltd 27 September 2023 15:30 PM

All depends on the definition of law breaking doesn’t it? I guess that if I was a landlord in York and felt this much persecution I would put my money elsewhere and save the grief and hassle. After all who wants to work under constant threats and intimidation? Landlords who are criminals or part of organised crime really aren’t worried about York councillors are they

From: Michael Johnson Amzac Estates Ltd 22 September 2023 09:54 AM

The section 21 notice period should be extended to 6 months and the section 8 arrears of rent should be reduced to 1 month or 4 weeks. That would solve 99% of these problems. Two months was appropriate in 1988 but now the PRS is so much larger a longer notice would work much better. Although I still believe there should be much more social housing to absorb the many people who use housing benefits to help with their rent. I am all for safety regulations but too much interference will eventually cause more problems for tenants as smaller landlords will exit the market

From: Michael Johnson Amzac Estates Ltd 11 September 2023 08:41 AM

Whilst it isn't an ombudsman as such you only have to look at Rent Smart Wales- Their default position is that a landlord is guilty and file a report on that landlord regardless of outcome. This will not end well for residential landlords

From: Michael Johnson Amzac Estates Ltd 06 September 2023 14:38 PM

Easy fix for that landlord- Sell up, take the hit and move on. Nothing was ever guaranteed

From: Michael Johnson Amzac Estates Ltd 15 August 2023 14:07 PM

I cannot believe there are people calling for more regulation. No one is forcing anyone to take these deals. its the lenders money and that's the fee, deal with it and stop complaining. Honestly as soon as the market get a bit tough all the Zombie landlords are moaning. Perhaps your business model wasn't good enough to begin with and the only reason you are still in the market was because of artificially low interest rates. Personally I am happy to see all the zombie landlords go to the wall.

From: Michael Johnson Amzac Estates Ltd 15 August 2023 14:05 PM

Working off the £800 per month example this is a purchase of £150,000. Whilst in principle using a persons rent payment record as an allowance fir the mortgage I would guess this isn’t going to apply to many people. Also there is no factoring in once you are in a mortgage you will have far less freedom then when you rent furthermore there is no one to call when something needs replacing/ repairing. For some people renting is their first choice and that’s what the PRS was intended to accomplish

From: Michael Johnson Amzac Estates Ltd 09 May 2023 10:03 AM

All the same ‘experts’ doing the rounds like pigs at the feeding trough, I would wager a bet that I have more tenants and properties than all these experts put together.

From: Michael Johnson Amzac Estates Ltd 04 May 2023 09:31 AM

Shamplina is making a fortune as are the same voices I hear representing landlords, the two faced Ben Beadle and the other one with forked tongue Eddie hooker These people have somehow managed to be the go to for opinions on landlords but they aren’t Personally I want to keep section 21 and I want to make evictions easier and I don’t care how tenants feel- they aren’t the ones taking all the risks. I have no issues with safety regulations but apart from that I don’t see why it should be a level playing field. We have a product that people want to buy If the government want to make housing better for everyone then bloody build your own and keep their dirty little fingers off our property

From: Michael Johnson Amzac Estates Ltd 15 April 2023 11:06 AM

To be honest I never really understood why planning permission wasn't required as its essentially a change of use from a residential property to a commercial one. After all small BnBs, Guest houses are registered and have fire regulations etc to adhere to , personally I thought the whole short term letting idea was a bit of a scam and it was fuelled by the governments own ridiculous tax regulations. I think they have called this one right and I very rarely think that

From: Michael Johnson Amzac Estates Ltd 13 April 2023 16:41 PM

Even tenants are now becoming aware that this constant attack on the PRS is making life harder for them. They realise that they no longer have any choice in the market and especially here in Wales we have homeless people living in Holiday Inns as there is nowhere for them to live. It’s too late I think as the exodus is well under way and the local and national governments still don’t realise that as landlords we don’t have to tolerate this kind of abusive treatment

From: Michael Johnson Amzac Estates Ltd 05 April 2023 09:16 AM

What a load of rubbish- I have been letting property since 1986 and I cannot recall a tenant asking for anything documented- all they want are the keys, repairs when they report them and generally being left alone to get on with their lives in their home- it’s not a friends relationship. It’s very straightforward as a landlord respond quickly to problems and deal with them properly and tenants pay the rent on time and keep the place clean and tidy.

From: Michael Johnson Amzac Estates Ltd 09 March 2023 09:22 AM

Nationalisation of the PRS via the back door. Remove the mask of the SNP to reveal communists. If history teaches anything it’s the removal of individual rights and the destruction of the traditional family that leads to totalitarianism, unfortunately this has taken hold in Scotland and I doubt a legitimate legal challenge will have any impact

From: Michael Johnson Amzac Estates Ltd 25 January 2023 09:30 AM

Good times? This is a problem of their own creation, if the local authorities really knew what they were doing they would have invested in building houses / apartments that would be for local residents only. There could be a requirement to reside clause so it’s not as if this an issue? Instead they always default like the idiots here in Wales to taxation- there will inevitably be unintended consequences which will surface in 3-7 years time and then it’s more legislation to solve those. Honestly it’s like the blind leading the stupid

From: Michael Johnson Amzac Estates Ltd 19 January 2023 09:41 AM

If we entered into these agreements they would have to be on a totally commercial basis and we would never use their agreement. If however you can get a decent return on a full repair/ insurance basis I can’t see an issue as this would be an excellent covenant It’s worth looking into but you have to have the right commercial solicitor Knowing most landlords especially the ones I come across they are usually too frugal to pay for decent advice

From: Michael Johnson Amzac Estates Ltd 17 January 2023 09:47 AM

If I was a landlord in Bristol I would now be considering either selling or increasing the rents , this will help very few if any tenants and in fact will have the opposite effect. If you want evidence that devolved power doesn't work just take a good look at Scotland , Wales and Northern Ireland. It would take a fool to carry on repeating the same mistakes over and over

From: Michael Johnson Amzac Estates Ltd 09 January 2023 15:43 PM

This announcment is within weeks of the the new housing laws coming into effect in Wales. Personally I would not say no I would look at the contract / lease terms. Firstly they will become commercial leases not residential and this may be advantageous to some landlords and secondly the local authorities are desperate for all sort of property so it could be worth investigating

From: Michael Johnson Amzac Estates Ltd 09 January 2023 15:38 PM

What’s the definition of a rogue landlord now?

From: Michael Johnson Amzac Estates Ltd 09 December 2022 08:25 AM

As a landlord and a former hotel owner I find it inexplicable that this is under consultation. Surly it’s common sense that if a residential property is being used for short term letting, serviced accommodation and it’s available on platforms like Airbnb and Booking. Com then it’s being used for commercial purposes and a change of use application is required. Our normally over controlling councils have been totally inept in this particular situation

From: Michael Johnson Amzac Estates Ltd 05 December 2022 20:20 PM

The parasite that is paragon mortgages is obviously worried that less landlords will mean less money for them. Never trust a money lender they don’t have landlords interests at heart

From: Michael Johnson Amzac Estates Ltd 19 November 2022 13:11 PM

That isn’t the case as rent arrears are still 2 months notice it’s the no reason notice that has been amended

From: Michael Johnson Amzac Estates Ltd 14 November 2022 09:21 AM

As a landlord in Wales we are very used to having our views ignored which is why I suspect we have a pretty awful housing crisis. Residential availability has reduced by 25% since the inception of Rent Smart Wales and isn’t going to improve. As a company we are certainly reducing our exposure to residential letting here in Wales as the risk reward is reduced dramatically. Rents however are at an all time high so the only ones that suffer are the tenants. The road to hell is paved with good intentions

From: Michael Johnson Amzac Estates Ltd 14 November 2022 08:32 AM

To be honest it’s my property and I will get as much as possible as a return as I can. These lefties with their envious sanctimonious chat can take a running jump. I worked hard and took risks and put up with an awful lot of tough times, it’s for me to decide what to do with my assets

From: Michael Johnson Amzac Estates Ltd 03 November 2022 08:15 AM

Last week I wanted to hire an Aston Martin but I only had enough money to hire a small kia hatchback, will this charity and council please assist me in getting ‘my ‘ Aston Martin’ after all shouldn’t I have the opportunity to have it even though I can’t afford it?

From: Michael Johnson Amzac Estates Ltd 02 November 2022 06:51 AM

The irony of this article is that the author is a supporter of immense regulation as any applicant to paragon will discover, they are zealots to make sure every tiny aspect of regulation is adhered to. There is absolutely no risk in anything paragon lends ( not that I want them to be risking their money) but they intentionally support more regulations and aren’t there to help landlords

From: Michael Johnson Amzac Estates Ltd 29 October 2022 11:26 AM

Surly the same standards should apply to short term letting properties that apply to hotels, guesthouses etc? But they don’t get charged an additional fee to administer that do they? The mistake they made at the start was to allow domestic properties to be used as commercial venues without planning permission because as usual local authorities can’t apply the laws they already have and always want more regulation. It’s the local authorities that are not fit for purpose and at fault for letting this get out of control

From: Michael Johnson Amzac Estates Ltd 11 October 2022 09:12 AM

If you are a landlord of any residential property now is the time to make sure you are charging rent at the market level. If you are being sentimental about your tenants then unfortunately you are going to get caught out. Any belief that this won’t happen in England and Wales is very misplaced. As a landlord you cannot trust any authority to back you and I am not sure how much more proof is required. Most smaller landlords are acting like ostriches, when the hammer falls it will be hard and you will get stuck with rents frozen at below market value

From: Michael Johnson Amzac Estates Ltd 07 October 2022 09:37 AM

So therefore the issue was solved with government legislation? Possibly if the donuts hadn’t brought in restrictions on tax relief the issue may have never even happened?

From: Michael Johnson Amzac Estates Ltd 15 September 2022 10:01 AM

He was very anti landlord and I dare say had a streak of envy in him as well. I doubt anything will change though so I will keep my expectations low. Good riddance to bad rubbish

From: Michael Johnson Amzac Estates Ltd 08 September 2022 09:31 AM

Every political comment on landlords and calls for different measures always forget one fundamental detail. The property belongs to us and as investors we can sell at any time. Regardless of conditions, tenants, legislation we can sell as long as the price is right. The only ones that really suffer are the tenants

From: Michael Johnson Amzac Estates Ltd 02 September 2022 07:00 AM

All of our smaller companies have gone bust, so we have ended up with two companies shell and octopus, their charges are exactly the same regardless of how we pay, is this the same for the entire country?

From: Michael Johnson Amzac Estates Ltd 24 August 2022 09:24 AM

Imagine if a small private landlord was showing £280,000 as a profit! Polly from shelter would be all over the news telling the whole world Bristol council should be ashamed

From: Michael Johnson Amzac Estates Ltd 02 August 2022 09:23 AM

Not actually mentioning landlords though? I would imagine all hotels, guest houses and B&Bs are charging pretty high prices. Isn’t that the law of supply and demand? That’s what I am told when I get my utilities bill or when I put fuel in my car!

From: Michael Johnson Amzac Estates Ltd 25 July 2022 08:53 AM

Well as we operate in Wales I can say that taking policy ideas from Welsh Labour and Plaid is like getting Jeffrey Epstein to run a girls school. In 20 years of devolved power, we have more homelessness, our NHS has the longest waiting lists, rents are climbing so fast tenants are sleeping on sofas of other tenants, businesses investment is the lowest ever and we have a blanket 20mph. Lisa Nandy needs a slap to wake her up

From: Michael Johnson Amzac Estates Ltd 20 July 2022 08:33 AM

More anti business legislation in Scotland and soon to be copied by the rest of the country. Whenever I see ‘ need to balance’ I usually assume the worst.

From: Michael Johnson Amzac Estates Ltd 19 July 2022 08:33 AM

Two wrongs don’t make a right. They blackmailed a person who was ripping them off. They moved in despite knowing how poor it was. Criminal landlord and rogue tenants

From: Michael Johnson Amzac Estates Ltd 05 July 2022 08:32 AM

I don’t really understand why the PRS should be a Profession? As more than 80% of landlords have 1-4 properties they are just investors in property. If you want to create a profession of ‘landlord’ or property letting then it needs to be treated as a trade in the same way as other trades or businesses are. By creating this hybrid version of an investor / regulation it the worst of both worlds and it will just be a mess. Introduce legislation by all means but create the tax environment on the same footing. All the media, NRLA, landlord today etc keep going on about professional landlords when they aren’t and why should they be when the profits and returns aren’t there? As I run our own portfolio the legislation is just an additional cost that we will charge for- the only ones that suffer will be the tenants

From: Michael Johnson Amzac Estates Ltd 25 June 2022 10:57 AM

The welsh housing minister is so far up her own backside that she hasn’t considered the details of these occupation contract- how will they fit in with tenancy deposit schemes? How can contract holders ( tenants) swap themselves on contracts without the landlords permission? Rents in wales have increased by 25% since the introduction of Rent Smart Wales, they will keep increasing as supply falls and demand stays the same. These ministers think that we landlords have no choice but forget we are landlords out of choice, when the atmosphere is too toxic we will exit. They are economically illiterate

From: Michael Johnson Amzac Estates Ltd 15 June 2022 09:03 AM

Sounds like you have taken a deposit and in your own mind have justified it, probably why people like justice for tenants will win cases so easily as there are landlords trying to be clever. you are just falling into the trap. Its not that hard, follow the legislation, cross the i's and dot the t's . We take deposits for every property and every tenant.

From: Michael Johnson Amzac Estates Ltd 08 June 2022 15:57 PM

We can all tell when Julia James is lying- her mouth is moving!

From: Michael Johnson Amzac Estates Ltd 31 May 2022 13:32 PM

It was becoming obvious to those of us in Wales that the Social landlords were really struggling with so many changes. However the Welsh housing minister can't even grasp the basics of renting be it social or private., even rent smart wales cannot understand the details of the tenancy deposit registration system when asked. However in fairness to Jason , empty vessels can make the most noise, but I suspect he has had a bad experience so paints all landlords with the same brush. On the ground here in Cardiff rents have never been so high and prospective tenants are struggling to find anything to rent that's within their grasp. Rents in Wales have increased by over 20% since Rent Smart Wales was introduced so I will predict at least another 15% increase on top of that when the muppets in the Welsh assembly finally bring in these new changes.

From: Michael Johnson Amzac Estates Ltd 31 May 2022 13:27 PM

As a landlord of both commercial and residential property I am not really motivated by more government intervention by being told who to let my property to. However on the flip side if a unit has stood empty for over 6 months I would guess that the asking rent is too high . Empty properties don't make money .

From: Michael Johnson Amzac Estates Ltd 19 April 2022 15:07 PM

Compassion, in the last 30 years I have tried to be fair and honest as a landlord but there is no compassion from authorities towards the property landlord. Personally I now take the view that I run my business on fair and balanced principles but I do run it for profit and I am not at all ashamed to see it that way. There are many tenants and suppliers that rely on our success. So our friend from the auction house can take a jump. We pay our tax and that’s the only public service we have to provide. Gone are the days when we were charities.

From: Michael Johnson Amzac Estates Ltd 25 March 2022 12:38 PM

Paul and Ben - the governments flower pot men- to be fair having these two representing landlords is like letting a fox look after a hen coop! More regulation means more money for these two charlatans. The future for landlords isn’t rosy

From: Michael Johnson Amzac Estates Ltd 12 March 2022 21:42 PM

As a landlord in Wales I find these activists quite interesting as most of the left wing welsh speaking agitators always look to blame everyone else for the issues at hand. I always find it hard to understand that the policy makers never think their policies through to logical conclusions ( or they aren’t interested) . The short term letting market is certainly the one I find most confusing- planning permission is always required to convert a residential property into a commercial which is effectively what a short term let does, especially when the property is on offer permanently. Why not just apply the current regulations first? Also once Rent Smart Wales came into existence rents have increased due to lack of supply, could it be that these idiots have caused all their own problems and are now looking for a scapegoat?

From: Michael Johnson Amzac Estates Ltd 23 February 2022 10:00 AM

Always beware of the word ‘reset’ this is a roundabout way of telling private landlords we are after you and your property. Here is Wales we will be losing rights to our properties- the devil is in the details. Unless you are really motivated by being a residential landlord now is the time is plan an exit

From: Michael Johnson Amzac Estates Ltd 16 February 2022 07:54 AM

I hardly think that the two faced NRLA actually count as landlords, they are as trustworthy as a fox in a chicken coop! There are very few landlords in Wales that would even consider getting into any relationship with their local authority especially as the current Welsh administration are seriously considering additional taxes on second homes and rent caps.

From: Michael Johnson Amzac Estates Ltd 02 December 2021 16:56 PM

I bet the government are really worried about being ‘slammed’ by Ben Beadle. This man supposedly representing landlords is about as useful as a chocolate teapot.

From: Michael Johnson Amzac Estates Ltd 21 October 2021 08:27 AM

That sounds like a bargain for David Ross, got rid of the tenants and also a rental property in the anti landlord state of Scotland. The question after this is who is the winner, the tenant or the tribunal or the landlord? Personally it sounds like the landlord, he can walk away from the legal grief but the tenant despite their few thousands will remain tenants and the tribunal have convinced quite a few other landlords to leave the sector.

From: Michael Johnson Amzac Estates Ltd 30 September 2021 09:19 AM

Being represented by Ben Beadle is like a pork sausage factory owner representing pigs!

From: Michael Johnson Amzac Estates Ltd 24 September 2021 16:17 PM

Sounds like Mr Morrow has worked out its cheaper to pay the fine !

From: Michael Johnson Amzac Estates Ltd 22 September 2021 13:09 PM

Which scheme are you referring to in Wales?

From: Michael Johnson Amzac Estates Ltd 15 September 2021 15:16 PM

To be honest, there is not enough detail in this report ( there rarely is!). What type of property was it? If you guys are going to continue reporting emotive articles, then at least put some detail in otherwise you are doing it just to illicit some form of emotional response

From: Michael Johnson Amzac Estates Ltd 26 February 2021 14:50 PM

As deposit regulations have been in place for since 2007, I am sure that this landlord should not be in the business, that’s a very dull error. However I don’t believe the noble intentions of the tenants, they suffered no loss on the face of it so they did pretty well didn’t they?

From: Michael Johnson Amzac Estates Ltd 11 February 2021 10:10 AM

Like a man who wears dentures demonstrating they have teeth! Local councils enjoy the power to label landlords as ‘ rogue’ for technicalities for example mould causes by tenants lifestyle but they don’t have the courage to go after criminals and organised crime who ignore any housing laws, as the smaller landlord get pushed out by ever increasing regulation the market will be dominated by larger corporate landlords and then an underground market of room shares, bed shares and an unprecedented amount of illegal letting without limit. They can fine as much as they like but the rewards of illegal letting far outweighs the fines- it’s laughable when I read local authorities will come down hard on landlords. Imagine the day when a housing inspector gets a real physical threat from organised crime - they will run away as fast as possible

From: Michael Johnson Amzac Estates Ltd 03 November 2020 09:39 AM

This political attack on all landlords but particularly the smaller ones will have quite serious unintended consequences. Although there have been cases of poor service from landlords to tenants we must always remember who actually owns the property. After all you would not be allowed to walk into a car showroom , take a vehicle and not pay for it. It will come to roost and it’s the tenants who will suffer, ironically the people they are supposed to be protecting

From: Michael Johnson Amzac Estates Ltd 09 September 2020 09:39 AM

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