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Michael Foley
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Good luck to Jamie, we all get our day in the Sunshine & the Developers will to.
From:
Michael Foley
20 August 2019 13:36 PM
Hi you forgot the biggest one traditionally base Rates were 5% + lender rate on top. When a decision was made to keep reducing this to a stupid level and abolishing Savers over night, they were left with no alternative but to buy property That they didn’t necessarily want or need all bidding against each other driving House prices through the roof. Slainte
From:
Michael Foley
20 August 2019 10:14 AM
No I don’t agree why not restore S.21 the way it was, before you cause the biggest recession ever know. Scrap the 2015 De-Regulation Act that was only brought in to under mine S.21. Scrap How to Rent as if people didn’t know how to Rent. Scrap the Deposit Schemes that are an extra cost & only protect the Deposit itself and lets a have the original Deposits restored. Scrap the unfair Licensing Schemes that only applies to one half of the Community & robs us & we fund all. Scrap Right to Rent it’s not our job. Scrap S.24. Scrap Article 4. Scrap 3% SDLT surcharge. Scrap the 8% Capital gains surcharge. Do you not even know why S.21 was introduced. Scrap Building thousands of Flats clearly not required. For goodness sake anyone can see it’s an all attack to destroy us, no business can survive this not a hope , how much evidence do you all need.
From:
Michael Foley
19 August 2019 22:51 PM
More anti- Private LL Regulations + Rent Re- payment Orders indeed. Why did the Tenant rent the property if it’s in bad repair, or did they Cause disrepair & will now get their money back from the Tribunal. I can see plenty heading there. I would never again go to a Tribunal but we are not going to have a choice we are going to be dragged in anyway
From:
Michael Foley
16 August 2019 22:03 PM
I don’t have Deposits they were taken away in 2007 by Shelter when they alleged LL’s withheld 44% of Deposits, it later emerged less than 2% went to Deposits Resolutions, so it came in on s pack of lies and anyway it’s now all about protecting the Deposit it self and nothing protecting the property. Do they not even know this and subsequently used in County Courts to undermine s21 if you were trying to get possession, as far as I am concerned they have now made it a liability not a protection. Well done keep on.
From:
Michael Foley
15 August 2019 20:11 PM
Section 21 is contributing to making Housing available to millions of people, whereby if it’s not there we cannot accept them for sure. Taking away what’s left of Section 21 will create more Homelessness for definite but that don’t matter to Rogue Regulators they won’t be homeless.
From:
Michael Foley
15 August 2019 09:09 AM
What difference does it make when it’s brought in. I am not capable of doing it, just like thousands of other Landlords who are not Digital Academics. It’s now nothing to do about housing or being good landlords anymore, just purely Computers and red tape, so we cannot do it so what ? / how many of those Digital Academics could build s house or even do minor jobs about the house but it’s us who are expected to jump through the hoops to suit them. I was a member of NHBC from 1974 on for 20 years until I gave it due to lack of Planning Decisions by inept Councils just like their counterparts Digital Academics collapsing PRS today.
From:
Michael Foley
14 August 2019 18:29 PM
Yes my confidence is at 41 years low / Zero.
From:
Michael Foley
14 August 2019 09:39 AM
The idea of a fully funded Court System is laughably, only the LL’s ever fund anything. We have funded all the add on requirements since 2006 at least plus funded thousands of high paid jobs for Regulators to torture us. In early 2000 the Gov’ made one big swoop & took complete control of all private letting, we weren’t even told not alone asked now what kind of Democracy is that. Fully funded my foot more cost for LL’s for sure, obviously it’s all getting worse, with S21 some Tenants would leave with correct notice as per Tenancy but now it seems to me they want to make termination of any Tenancy Court Compulsory, this is a big Recession / currently can’t sell or Rent, well done keep going.
From:
Michael Foley
12 August 2019 21:07 PM
The only Court Reform we need is to scrap Shelters De-Regulation Act which the only purpose ever was to undermine Section 21 We now have Tenants claiming property damage when there is not & will always get their side taken in court / can’t loose, it’s all too easy for them to make a place shabby. Just restore Section 21 and stop meddling. We shouldn’t need a Court Order in the first place, they don’t need a Court Order to take up Residence. Return the process to a Civil matter & not treat all LL as Criminals like Councils are doing now while Consultation themselves after getting money from a big fine, this is conflict of interest, the Council prosecutor shouldn’t be the beneficiary of the fine.
From:
Michael Foley
12 August 2019 17:55 PM
0k when you say 3 individuals in the same breath you have to say 3 households that's it but you may be able to have a 4th person as well as a partner to one of the others subject to room size, if its just 3 you have to have the additional licence anyhow in an area where this applies. There is nothing new about this I had it in 2012 at least and had to renew again in 2017. The ground Floor Flat 2 double bedrooms in same House additional license didn't apply but that came under Selective Licensing & allowed 2 house holds not more than 4 persons and strangely enough from memory cost £650 for the Application where as the Additional License fee was £1'150 for 3 persons but possibly 4 if one took in a partner subject to every one agreeing to amend the Tenancy Agreement.
From:
Michael Foley
08 August 2019 21:18 PM
The Council did come around to see the Flat & it has 3 compliant bedrooms. I was still required to get a license to let to three individual persons who came together as friends.
From:
Michael Foley
08 August 2019 19:13 PM
So you can’t let to individuals that’s excluded persons who don’t want to be in a relationship. So they have to be in a relationships or you can’t house them, so 2 couples as partners is fine / 4 persons = 2 households but 3 individuals not allowed without a license even though a person less would be in occupation at the property ?
From:
Michael Foley
08 August 2019 18:23 PM
I don't like this so called ARO just more people taking us for mugs, how many more wants to live off our backs, so many organisations sprouting up like mushrooms. The way I see it they are Renting our Property then sub-letting it plain & simple. I know in some cases they make more than the LL, you'll get your money I suppose but some of those guys use Airbnb and get double, people coming & going all the time but don't mention bed bugs. Whatever happens the Council will hold the LL responsible & he will be the fall guy. I think its a great idea for those doing the sub-letting far better than owing a Property let the LL mug buy it pay the Mortgage take all the responsibility and lend it to you to fill your pockets, get off my back you are too heavy. Pull the other one its got Bells on.
From:
Michael Foley
08 August 2019 09:33 AM
Do you know what you are talking about ?. How can you say vulnerable Families with children, then say Houses in Muntiple Occupation wth Individual rooms. HMO’s don’t house Family’s and if the did they wouldn’t need a licence or does your Council make your own laws & over rule Parliament. I am not aware of the law changing.
From:
Michael Foley
05 August 2019 20:25 PM
I recently have been approached by a Council accommodation finder, he purported to be from Council but not really. He gave me some paper work where the proposed Tenant had signed to pay LL directly. I had a read through & it said once Council had placed the Tenant their responsibility ended, so in the small print it appears once installed the Tenant could reapply for it to be paid to him, so I didn’t proceed.
From:
Michael Foley
05 August 2019 10:28 AM
Good on you a better man than me, 50 question all rigged to do away with Section 21 but I forgot it’s already decided. Silly me good idea to have a monkey survey. The 25 to 30 minutes didn’t cut it either but sure my time is free.
From:
Michael Foley
05 August 2019 09:53 AM
Having tried to respond to the MHCLG Survey this morning wasting my time because I failed and it wouldn't let me continue but said submit before I was finished. This Survey is a disgrace and once again only Graduates & Digital Academics, excludes all traditional Landlords who houses hundreds of thousands of Tenants, we are just being ignored. At least they got the name right Monkey Survey it must be a Survey for Monkeys. Thanks for wasting more of my time but no worries I am Free. Welcome to the worst Recession ever caused by this nonsense, houses sitting on the market not selling or letting, existing Flats not a hope because of those Regulations & so called help to buy plus building thousands of Flats clearly not required.
From:
Michael Foley
05 August 2019 08:21 AM
I agree S24 should be scrapped LL's should be allowed investment interest tax relief, SD surcharge 3% removed and also Capital Gains Tax reduced from 28% to 20% like it is for everyone else, S21 reinstated before this Recession gets worse but anyone above Watford gap won't agree things are booming up there for now. We have to remember everything starts in London whether Boom or Recession and then works it way out from there. NLA now joined up with ARLA of letting Agents who are constantly campaigning for more Regulations that have destroyed us in the first place, do they think we don't have enough, ie, How to Rent. Right to rent. Deposits debacle. GDPR / ICO. Article 4. Section 21. Section 24. De-Regulation Act. Wear & Tear allowance gone. Licensing Schemes hugely expensive, decisive & only applies to one half of the Community. Fee Ban. Rogue help to buy schemes to take our Tenants away from us, etc' etc'
From:
Michael Foley
03 August 2019 08:43 AM
The joke of the Century, there is a live Consultation by DHCLG regarding Section 21 but Government has already announced last April it was been scrapped, its some Democracy. ARLA joining up with NLA that’s the second joke of the Century. ARLA is made up of a half dozen Estate Agents who are not in our best interest. They are continually Campaigning for more Regulations which is one of our biggest Problems, we are snowed under already & yet they want more. I know it’s not a problem for them they’ll have no work to do just set up Computer programmes sit back everything happening automatically, just check their Bank Balance. I don’t want them causing us more hassle.
From:
Michael Foley
02 August 2019 20:43 PM
Someone else that you have to pay. I had done Inventories for 30 years and managed them myself without much problem but not since 2007 when they were taken away by Shelter base on untruths I used a Clerk once £250 check-in & £150 check out, that’s the end of that, or far better still not be a LL.
From:
Michael Foley
01 August 2019 17:17 PM
It is that & everything else combined to do as much damage as possible to LL. Tenants now not complying with anything and ignoring whatever you ask or tell them making letting impossible to manage, they now know they can do what they like, you have no authority. Before all those anti-Landlord regulations, there was some attempt to keep to rules, now they are free to overcrowd / sublet etc, they know you can do nothing but Council is waiting to Sanction you for not being in control of the Management that they prevent you from Managing.
From:
Michael Foley
01 August 2019 15:18 PM
No I don’t agree with a Dedicated Court fo re-possessions, you say 9 out of 10 Landlords agree so I must be the one that don’t agree. I disagree with the lot of them because I suspect it will be a Tribunal with probably an ex Council employee behind the desk with 2 Disciples with the power to destroy you & unlimited costs. Just leave things alone as bad as they are.
From:
Michael Foley
01 August 2019 09:41 AM
Yes if they are so good and concerned about the Homeless instead of top brass paying themselves £120k pa, their services should be almost free for an Organisation with Charity status indeed, their Charity Status should be with drawn for the damage they have caused to Private Sector Housing & homelessness created. Home owners and landlords should think twice when making a WILL where Inheritance Tax is concerned. I was told if you give them a percentage of your Estate you get a good reduction on your Inheritance tax bill, this is collusion to my mind and no wonder they have no shortage of funds to cause trouble.
From:
Michael Foley
31 July 2019 14:49 PM
No if a renter wants to buy it will be the help to buy Scheme on a new property with all those advantages.
From:
Michael Foley
31 July 2019 11:03 AM
I think Neil is right the regulations has impacted on Private Renting sector unfairly and he mentioned 3, Wear & Tear, Stamp Duty 3% surcharge and section 24. We cannot loose sight of all the other things they did to damage us and drive costs through the roof. "How to Rent" guide by Shelter adding costs, more free LL's labour and changed 9 times in just 5 years, scrapping booklets, reprinting again & again, dozens of booklets for me alone. Deposits taken away in 2007 & replaced with a dysfunctional Scheme which means I don't have Deposits anymore for years costing me Thousands of £ and damaging my property, the scheme now only exists to protect the Deposit itself & nothing protecting the property. Section 21 undermined by several excuses a by product of De-Regulation Act by Shelter to prevent LL using S.21, and gunning for for whats left of it. Criminalisation of LL's previous a civil matter. Licensing Schemes expensive whether Mandatory, Selective or Additional, I had them all that don't apply to Family's in the private rented sector usually on benefit as I never had a family to me who were paying for themselves & it wouldn't apply to Council Tenants anyway. General Data Protection Regulations. "Right to Rent" / IC0 making us liable for immigration checks adding costs & time, I know we are the only ones that do everything for free. Fee ban which is wrong if someone provides a service they are entitled to make a charge, of course they didn't have to use the service, so they have put the livelihood of thousands of young people at risk who are just starting off in employment. More huge costs coming Digital Accounts which I am not capable of doing as well as thousands of others so we have to pay others to do it but for me to build a House is no barrier. Plenty more but i'll just add Neil's 3 to the list, Section 24 investment interest relief removal, Our 10% wear & Tear allowance that was there as long as letting it self, Stamp Duty Land Tax 3% surge on second properties. Help to buy Disaster helping many people that need help and making existing Property unsalable especially existing Flats you don't need me to tell you why. Are you still wondering what happened to Private Sector Housing ???.
From:
Michael Foley
31 July 2019 10:49 AM
The Government announced in April that it was doing away with Section 21. Why is it that we are now invited to take part in a Consultation Process where the outcome has already been decided. This is what happened with the HMO Consultation as well, it goes to show what mugs they see us as.
From:
Michael Foley
30 July 2019 10:32 AM
MS Lunn, your Rent figures are very shocking reading indeed because the figures are wrong & exaggerated by a country mile, your figures for East London are higher than what we can get in west London. My rooms Acton W3 & Ealing W5 post codes work out similar to your SE28 post code, that's £380 pm per room less than what you say, we need a correction here. Stop exaggerating just STOP, STOP it.
From:
Michael Foley
29 July 2019 14:02 PM
John don’t be astonished the far away hills are green. The sky high prices of property in London sometimes several times more than else where, so rents are naturally higher but not by an equal proportion, I work out less than 3% return and I understand it’s much higher return in North West where I lived for many years , so pound for pound you are far better off away from London. Spare a thought you could have a half £m Mortgage around your neck in Acton for £1300 pcm rent if you are lucky. I am sure I could get a number of Flats up there for that & the combined income far higher, with far less risk at least if one didn’t pay you still had the others, (too many eggs in one basket in L’ don)
From:
Michael Foley
29 July 2019 11:24 AM
Just more Landlord bashing by more outsiders joining up to knock us with their digital Platforms to feather their own nests. How can they say Rents are not affordable with saying why, they didn't mention that the Authorities that be have spent more than the last 10 years adding costs every year, every additional requirement whether by Government, Local Authority or Shelter has a huge cost to Landlord & reflected in part in the Rent but I am sure full cost is not passed on to the tenant by any means. I know the Councils / Regulators that caused all those costs / problems are riding high as it never cost them a penny no matter how much misery or what a mess they make the Landlords pays for All so they can sit there as smug as they like. Now then another aspect of your article saying the Tenants lack of advice, there has never been a time when tenants had more advice, its thrown at them from all directions from the media, every anti-landlord organisation, not to mention "How to Rent" booklet that we are required to provide them with 13 pages indeed, why don't you stop telling lies about LL. Government now are taking away the remains of section 21 which they say to give more security of Tenure to Family's / schooling etc,. Why then are they taking it away for Houses in Multiple Occupation as well who definitely are not Family's, or they wouldn't require a HM0 license in the first place but mostly individuals on the move that like a flexible life style.
From:
Michael Foley
29 July 2019 09:51 AM
The Government Consultation Period has started for removing section 21, posted 22nd of July '19 and run 12 weeks until 12th October 2019, now is the time for LL's to be aware & to Act / lobby your M.P. & write to the Department. Shelter is in there as is ARLA part of the Consultation so Estate Agents are going to be well represented and already calling the shots how everything should be regulated, made Digital etc. Its not their Property and cant see private LL's interest being represented at all, so all LL's need to make their views known & that's if they know about the Consultation in the first place. I know many of you have come to this platform in recent months and said your piece in no uncertain terms especially in last April that I recall, now if you can re-do it again but this time to the Consultation Process, there are millions of us LL's but only a handful coming off the fence and making the effort, its no good moaning about it afterwards when we are clobbered.
From:
Michael Foley
27 July 2019 09:19 AM
Mr Jenrick Secretary of State for Housing at 37, now he’s bound to have made far bigger contribution to housing than me only 41yrs a landlord, they are a waste of time. A new scenario proposed that the seller should pay SD, is it not enough to have to pay Capital Gains tax, how much would you pay or would you have to try to avoid a second home buyer who’s SD is much higher. I agree the threshold for higher rate tax payer to £80k, currently I am paying 40% over £37.5k and not over £50k as they would have you believe as they have taken away my personal allowance that others automatically get. Is it no wonder I am feeling a bit p’off having taken away wear & tear & imposed a dozen other costs on me a one man band.
From:
Michael Foley
26 July 2019 09:46 AM
OK but HMRC don’t think we are a business.
From:
Michael Foley
25 July 2019 10:31 AM
Sorry but I don’t like this and never jealous of anyone, usually delighted to see business well. However, LL’s with hundreds of properties is a clear example of why Section 24 was brought -in, to stop this nonsense of Skyting the Deeds / buy a property then after short time re value take some equity out for Deposit on next property & so on, totally no tax needed to be paid / no brainer. So now you know why we have S24 impinging on though no fault of our own while we paid taxes through the nose over the years. This must be the unacceptable face of Capitalism, the truth has to be told.
From:
Michael Foley
25 July 2019 09:58 AM
I don't know who's supposed to be doing all this evicting its not me or anyone i know. There is so much Data, Surveys & statistics thrown at us all the time. Why not provide the a list of those evictions from the County Courts as a matter of public record then we'll know who is abusing the system making trouble for the rest of us. Then perhaps for repeat use or miss-use make them time barred as to how often they can avail of this, say for argument sake not more than 3 times in 10 years regardless of the size of their portfolio. I think the larger LL's are most likely to abuse the system and with Property scattered in so many towns around the UK, they are not going to be good LL's certainly not hands-on & often don't even see the property. Keep Section 21 / Assured Short Hold Tenancies for main stream lettings to avoid the worst Recession ever known, everyone must know that you can't have an economy based on Housing alone which is what the mutton heads are doing.
From:
Michael Foley
24 July 2019 14:56 PM
I would love to get out but they have put obstacles there as well to stop us getting out, so they continue to build loads of Flats clearly not required. I just don’t know how Sadiq Khan is going to put Rent Controls on vacant property ?, So Sorry for ever being. Landlord, what for Slave Labour, to be abused, penalised, sanctioned, criminalised & robbed. Cash Cow to feed the milkers and if I had chosen a different path I could have been retired years ago instead of finding myself been held to ransom.
From:
Michael Foley
23 July 2019 16:58 PM
So why would someone buy a property. When you can live with Security of Tenure in some other persons house and act the jack all you want, it beats falling behind with a Mortgage and guaranteed being removed.
From:
Michael Foley
23 July 2019 14:17 PM
Hi David this kind of thing does happen, it has happened to me. However, most Tenants are wonderful & easy to get on with, notwithstanding the fact that Gov’ has done all in its power to drive a wedge between us. It was wrong to take all control of the property from the Landlord & then exclude him as well, while at same time making him responsible for everything outside his control, not possible to square that one. Now getting rid of Assured Short-hold Tenancies / taking your property from you. LL’s should have the same rights asLenders they don’t need s21& if you don’t pay your Mortgage you are out, or does it not matter when it’s our money.
From:
Michael Foley
23 July 2019 12:31 PM
Hi David, as a landlord I am glad you asked the question how to make rents more affordable. It’s the easiest thing in the World to do, just scrap all those ridiculously, unnecessary Regulations of recent years that has made renting unaffordable & unsustainably. Huge numbers of Rogue Regulators all from outside Private Sector Housing , that don’t supply any Housing is a good place to start, now that was easy next question.
From:
Michael Foley
22 July 2019 10:47 AM
Unfortunately I can't put up rents even though mine are too low. The self paying tenants are not available only thousands of Housing benefit tenants, housed for free or subsidized housing they are not stupid, the system is there especially for them, they are king, enough said we all know whats going on. The help to buy disaster scheme distorting the whole market to make millions for the big developers or even millions for their individual Directors, like one guy alone £75m then he resigned sure he couldn't be working so much money for himself on the back of this Scheme. Houses not selling mostly because of the Stamp duty hike, so the confidence is gone out of the market, isn't that what they call a recession. Existing flats not selling even good quality because of the rogue help to buy Scheme that's abused, just imagine getting up to 40% of the money up to £600k interest free for 5 years in England (£300k in wales) many of those people are earning £80k pa and could have bought anyhow. Compare an existing Flat for sale that is not subsidized and loaded with Stamp Duty, to a Brand New subsidized Flat with only 5% deposit and Zero Stamp Duty (no contest). When all this madness stops and we are Bankrupt, our Flats vacant and our tenants living in subsidized new Flats from our taxes where are the jobs going to come from ?. It's nice to know we have a level playing field just like Mountain,
From:
Michael Foley
21 July 2019 18:30 PM
I understand this John, my properties seam to be high values but now difficult to sell and very low returns, around 3% compared to 6%+ in north west and they have capital growth, far too many subsidized Flats being built. I don't know where the occupants are going to come from which is why they want us out they need our few as well. Grenfell was 24 story in East Acton & the disaster that happened there, now they are building a 42 story Tower in North Acton / twice as high they are crazy. everywhere I look thousands of flats going up clearly not required, when this madness stops there is going to be huge unemployment & collapse. Help to Buy has distorted the whole Market and generally not required, huge numbers of buyers are earning £80k pa & some over £100k so they could have bought anyhow, this unfair subsidized scheme plus no stamp duty for new build only which is causing a glut, while existing Flats are disadvantaged & difficult to sell obviously.
From:
Michael Foley
20 July 2019 17:26 PM
Hi Paul you are right lots of Criminality going on especially with Airbnb. They lease your property, rent it for double or triple, its happened. They are laughing all the way to the Bank doing us harm, not their property and at end of day if it’s all goes wrong it’s the owner gets clobbered. I will have nothing to do we Black Market better to run straight ship and there are enough trip wires even at that.
From:
Michael Foley
20 July 2019 16:32 PM
Hi John, I am at a loss to understand why people considers Private Housing is more expensive than Council or Housing Associations without counting costs. The Council got the money from us the tax Payer to provide the Property, now that's easy so non of them had to do anything only take our money. The Private Landlord had to earn his money, pay tax on it first, save, borrow and re- pay the loans, SD etc, to buy the Property. then turn around pay Tax on the income. Maybe I am wrong but I think the Council don't pay tax, so if I am going to make a comparison, give me a free Cheque to buy the property in the first place plus then no income Tax, you can compare now. The fact is we supplied the property for free to the market at no cost to the State but Council & Housing Associations didn't.
From:
Michael Foley
20 July 2019 13:57 PM
I know Rogue Regulators will not let us have anything, It’s crazy for sure it reminds me of the Dog in the Hay, he can’t eat it himself & he’s barking at the Donkey he won’t let him eat it either, we still have to have our sense of humour or we’ll crack-up.
From:
Michael Foley
20 July 2019 11:25 AM
STOP. Please Stop now that wasn't too difficult was it. Problem solved leave things alone, now you can all go home and get on with your lives. I know the Rogue Regulators all from outside Private sector Housing won't STOP. I don't know any other Business, Company or Corporate that is fully Controlled by people from outside their Business, how long would they last, is it laughable or it might be more accurately described as Collusion & Corruption. Have a nice Day.
From:
Michael Foley
20 July 2019 10:29 AM
Where are they getting those imaginary Rent increases from, not West London. I had a good quality 3 Bed Flat in Acton vacant for months, only 2 lots of potential Tenants that would be paying for themselves, although 30 lots of free loader family’s, 4 lots of Rent 2 Rent, 6 lots wanted to sub-let with Airbnb which is amazing they were clearly going to make far more that me and not even own a property themselves, and loads are doing this one guy tell me they had 40 properties this way & couldn’t understand why I wouldn’t take the bate. 2 lot purporting to be from 2 different Councils offering me £200 pcm more than advertised price but for families with problems. I think that I have enough problems myself. Where are the self paying Renters gone, professional, White or Blue collar. The property is actually a HM0 which is a distinct disadvantage at huge cost & incumbents to me.
From:
Michael Foley
19 July 2019 15:09 PM
Mr smith getting rid of the remains of s21 is a non starter for me, to talk about specialist courts by which I think you probably mean the Tribunals which I attended many times both first & upper another non starter wasting our time & costs. Regarding Mayor Sadiq Khan proposed cap on rents I don't know what he is talking about all my rents have not kept in pace with inflation. Which ever property I pick is below inflation, for example I have a 5 bed House in Acton in 1999 it was £1820 pcm now 20 years later its £2250 so according to my mind even @ 2% it should be £2700 but I am sure someone with mats will correct me if I am wrong. The last 10 yrs alone gives Inflation @ 20%, but even at 1% aggregated since 1999 it would be at what it is now. What also impinged on me since 1999 huge costs & Regulations / thousands of pounds to do works to comply, some of it nonsense like Range Cookers and two Kitchen sinks in the same kitchen in many. Repeated Licensing schemes & Certificates of all kinds adding thousands more plus yours truly free slave labor for ever. So Mr Sadiq Khan please tell me what you want to cap or maybe you would like to guarantee me at least inflation rate. Then I have been advised by my Member or Parliament that he is in favor of scrapping s21 to give more rights to the Tenant, what Planet is he on ? did he really need to go to Harvard to come up with something that daft.
From:
Michael Foley
19 July 2019 10:27 AM
English Housing Survey, 4.5m Households in Private rented sector, 19%. 4m in Social Housing 17%. & 14.8m Households 64% owner occupiers. I think there are a few more statistics 4.8m family's on Housing benefit ( 2.7m workless) Huge numbers of single mothers on housing benefit how did they all get pregnant obviously the benefit system is designed to destroy the family unit, if the benefit system wasn't there, they would be supported by the Father of their kids but why rear your family when the State will do it for you ? & you can pass your day walk around looking smart shaking hands with your friends up the High St, who are also on the rock & roll, no wonder Society is gone the way it is, children brought up in broken family environment. We The Tax Payer are paying £46 billion to fund all this nonsense & then you hate us and screw us for every penny, so when you have killed us off where is the next golden goose coming from.
From:
Michael Foley
18 July 2019 21:53 PM
Yes Jemery if you are referring to me I should be regulated & ground into dust. I have them all to my cost, Mandatory, Additional & Selective Licensing, some have been redone three times since it was introduced in 2006. When I checked the Register some of mine were the only properties licensed at all in some roads from 2006 to 2011 & again from 2011 to 2016 even though mine were only 2 storey, but I never let rooms which is what HMO’s was all about in general with stupid regulations causing over crowding that it was supposed to prevent, causing sub-letting wholesale, Rent 2 Rent, AirBnB that may never have happened if the LL weren’t put into corner by Regulators, very good continue regulate some more, they have already caused this recession 👍🏻
From:
Michael Foley
18 July 2019 08:55 AM
Very good a very impressive record indeed. I just hope some other LL’s I know with 100 properties who have been skyting the Deeds for yrs haven’t caused S24 surely they have. Buy one property then get it revalued after 6 months take equity out to put on an other & so on, used to be totally tax efficient. Two things happened Woolwich started buy 2 let Mortgages instead of Commercial loans. Bank of England reduced Base rate which used never be below 5% so we were paying 8/9%, they kept reducing Base rates to one quarter %. This ment in effect they abolished Savers altogether, they were left with saving disappearing & had to do something so they brought property that they didn’t want or necessarily need all bidding against each other driving prices through the roof
From:
Michael Foley
17 July 2019 21:35 PM
Yes I agree with you they need education & formalised training, like I tried to give my own children with uni degrees etc, but there is something else missing their minds seemed conditioned to think the same, of Course the Town was built by great craftsmen when the only Certificate they had was a birth Certificate amazing that isn’t it, it’s my opinion this generation with all the education, laptops & iPhones / digital everything wouldn’t hold a candle to them & got no State help.
From:
Michael Foley
17 July 2019 20:31 PM
Regarding, Continuing Professional Development brownie points I’ll pass on this one. Having been a LL for over 40 yrs & able to do everything myself whether Refurbishment or building a House from scratch by my own hand until now when they changed all the rules to render me useless so it’s taken me over 4 decades to become an incompetent LL. Congrats’
From:
Michael Foley
17 July 2019 19:39 PM
I am not going to knock Agents they are suffering enough with the stupid fees ban. They employ huge numbers of young people just starting off in working life & their livelihoods put in doubt by rogue regulators, they provide a service & should be entitled to charge a fee, it’s up to the renter if they wanted to use the service or find their own accommodation but if they chose to avail of the service then it’s only right to have to pay for it. We already have too many fee loaders who expects everything for nothing.
From:
Michael Foley
17 July 2019 19:27 PM
Good Heavens it’s costing us about £1’000.00 more than that already in West London / over £1k plus £30 per habitable room, including your living room. Plus all the works costs
From:
Michael Foley
17 July 2019 16:41 PM
How right you are and DCLG so called simple Tenancy Agreement 46 pages on its own plus the other 50 pages we have to give them.
From:
Michael Foley
17 July 2019 12:18 PM
I don’t have Deposits anymore they were taking away by Shelter in 2007 and replaced with a Scheme to protect the Deposit itself that you just took. They didn’t understand the purpose of a Deposit is to protect your Property not protecting their worthless Deposits to us.
From:
Michael Foley
17 July 2019 10:12 AM
Technology is only crucial in destroying Landlords and everything we stand for and have done an excellent job of destroying us already.
From:
Michael Foley
17 July 2019 09:25 AM
What’s this another cock-up of a proposal of an amendment to the Finance Bill, it should apply to all LL’s who want to sell. I am sure we had enough of so called sitting Tenants, will we ever be treated equally, a level playing giro please.
From:
Michael Foley
16 July 2019 19:53 PM
Wonderful so take away s21, takeaway our 10% wear & tear allowance, increase Insurance Premium tax, make us pay thousands of £s for licensing Schemes that their friends are exempt from, put extra C/tax bands on rooms if you them extra facilities, pay full c/tax on voids or when refurbishing, pay fines / penalties/ Council Court Costs 37.5% plus victims support even though ty are the victim, pay hundreds of £s for all kinds of Certificate requirements for ever, pay for Deposit Schemes to protect the Deposit & nothing left to protect the LL, so why not pay SDLT for buyer, pay Capital Gains tax for yourselves and if any residue left when you snuff it pay Inheritance tax, several lots of VAT along the way, what is the definition of a LL it must tax & dogs body.
From:
Michael Foley
16 July 2019 14:51 PM
I am at odds with any of this nonsense, currently it’s the buyer that pays the SDLT but now we have a bare market houses taking forever to sell, the buyer is already factoring in SD by knocking it of sellers asking price, so how can we add it on ?
From:
Michael Foley
16 July 2019 10:24 AM
ARLA you are having a laugh, you are only in Business 11 yrs and dictating to us how everything should be, not surprising that you are singing the phrases of Dr Rugg centre of Gov’ housing Policy’s that destroyed us, Congratulations.
From:
Michael Foley
15 July 2019 20:03 PM
It’s all very well to say sell and buy a more modern one. The reality is very different, when you sell the capital gains takes a lump out so you won’t have enough money left to do anything as I know to my cost when I wanted to sell in one area & get one nearer to base. They wouldn’t allow to roll over Capital Gains, which now I understand is 28%, no indexation, taper or inflation relief. There are now waiting at Cemetery Gate for Inheritance tax. Why bother.
From:
Michael Foley
14 July 2019 13:08 PM
Maybe but there are plenty of double in Conservation Area’s perhaps more apply to listed buildings. This particular insulation don’t transmit moisture or capillary, stock bricks outside, London brick internally. So now I understand Premier May has thrown her hat into the ring to scrap what’s left of s21 for good measure to go along with labour, Citizens Advice, Shelter, University of York, every Local Authority in the land backed up by the Courts with any excuse to spot us using it, Tenants groups now emerging. How can any business survive this, to be targeted so unfairly by so many, just for providing quality affordable property to millions of people at no cost to the State. What’s going on here ???
From:
Michael Foley
14 July 2019 10:33 AM
Don’t know about Energy Performance Certificates it’s more uncertainty. I have a house band D the Assessor advised, to replace existing windows with new double glazing, do the cavity wall insulation, another 200mm loft insulation, new Boiler which I had done completely then another assessor came and gave me same rating as I had ‘D’. Its wonderful being a LL they are all on our case.
From:
Michael Foley
14 July 2019 07:56 AM
No way never again, what do you think we have been doing for the last 40 years only providing great properties & this is our thanks. The next time I hear the word professionalising I’ll scream, what they really mean is Digital Academics pressing buttons with their Digital / Apps / Accounts, regs etc, Bull sugar very unlikely a hands on LL among them.
From:
Michael Foley
12 July 2019 21:03 PM
I only agree with one half of your comment. Yes s24 disaster, yes hostile attitude & no fees. No shortage of Housing. Houses not selling also difficult to rent so can’t put up rent. I think the value of property gone down a great deal you have to take on board the money power gone through the floor/ currency drop.
From:
Michael Foley
11 July 2019 10:10 AM
I am all for servicing Central Heating boilers regularly, especially those days with modern so called energy efficient Boilers that are so much more troublesome than traditional Boilers gas central heating boilers, when they were better and seldom broke down, because no electronics virtually, magnetic circulating pumps that lasted for ever, just the odd little thermo-couple to change very occasionally, hoover out the heat exchanger that was before we were banned & all labeled stupid and need a professional, fair enough. Modern Boilers so many things to go wrong & they do, so much Electronics ? Circuit board, Valves, Sensors, Filters to clog up especially with condensing Boilers which they mostly are. When you travel about Town you'll have noticed the Fleet of Vans by the many different Companies clogging up the Streets just to keep Boilers running, Also gone are the loft storage tanks which were trickle fed to even out the supply, just wait until we have a real dry summer there could well be a big shortage with all the extra Flats, even though we have a new ring main for L London. However they increased the water pressure already in Acton to accommodate the new development busting my existing pipes putting cost on me. Is it really progress.
From:
Michael Foley
10 July 2019 12:14 PM
Disgraceful use of lottery funds used to destroy Private Sector Housing, how many more Rogue outsiders wants to live off Landlords’s backs, go get yourself a real job and for anyone else stop wasting your money gambling.
From:
Michael Foley
10 July 2019 03:19 AM
Whether its England , Scotland or Wales its clear they are out to clobber us. They are determinant to remove the little bit that's left of S21. OK then why not give us the same rights as lenders they don't need S21, if they don't pay or commit any breaches the lender is not happy about they are out in a flash for sure and no doubt about it, and get possession of the property. I understand that its their money so whats good for the goose is good for the gander, why not give us the same rights and then we don't need s21. when we have property that we bought & paid for, then its our property or put another way its our money so we should be guaranteed the same right as the lenders, its our money that's tied up in it just like the lenders money tied up in it. I can't see any difference unless we are not equal under the law of the land. Please enlighten me ?.
From:
Michael Foley
09 July 2019 20:47 PM
I do all the nuts & bolts as well / putting everything in order without the aid of a computer them it still costs four times your unfortunately, not much option someone has to do it.
From:
Michael Foley
08 July 2019 19:49 PM
HMRC has already written to me & my wife about bringing in Digital Tax, a complete waste of time because we are not able to do it as well as huge numbers of our generation traditional Landlords , just more rubbish to destroy us by digital Academics, every year it more & more unnecessary work load driving us into the ground, so much for computers suppose to make our lives easier but instead it has made it Hell, you can bring a Horse to the water but you can'y make him drink. When you were able to do everything for 50 years then they invent another system to render us useless. The Revenue says 92% file their Tax return online but what they didn't mention is we have to pay others thousands of pounds to file it for us, now they want a return 4 times a year which means they will have Quadrupled our costs well done this is some progress not.
From:
Michael Foley
08 July 2019 18:57 PM
Sorry typo that was meant to be 4.5 million house holds, those bloody phone’s
From:
Michael Foley
08 July 2019 17:30 PM
Paying tax is one thing, but doing away with Section 21 is something else, will we be in business at all ?. Also when Section 21 is gone, surely that means Assured Short Hold Tenancies are gone as well / the very basis-of any letting at all to 245 million house holds, think on.
From:
Michael Foley
08 July 2019 17:01 PM
Thant you, that's what I have been saying there is no shortage of Housing so why are they building thousands of Subsidized Flats clearly not required, it just media hype and if they don't take our Tenants to buy them where are the people going to come from. I have property vacant but very poor response although 3 Council did want them for people with many issues but I have enough of problems already, incidentally only 2 lots inquiring that intended to pay from their own pocket at least 30 other lots were wanting the system to pick up the tab. Regarding Help to Buy huge numbers of purchasers earn over £80k pa and some over £100k pa so they didn't need help & could have bough anyhow. I see some houses sitting there for year & half and no buyer the market has been distorted by the help to buy scheme where stamp duty don't apply and existing stock clobbered
From:
Michael Foley
06 July 2019 18:48 PM
Abi, if I may call you that, has got it right with regards to what Government is up to, in short its what I have been saying for a long time, they want us out because they need our Tenants for the thousands of subsidized Flats they are building clearly not required. It doesn't matter to them how long we have been LL's or how much tax we pay or the quality affordable accommodation we have provided for years. They get their big Salaries and Holidays anyhow of course they don't have to earn it or they would starve. its so much corruption now that the prosecutor / Council is also a Beneficiary undermining the rule of law, how can anyone have any confidence in the justice system with this rubbish taking a big financial slice of what purports to be a penalty / So called incentivisation Scheme its another name for fraud. Every LL pleads guilty whether guilty or not but they have the option to plead guilty if they want to have their fine doubled but naturally they don't like that option. After every Court outcome every council leader claps themselves on the back as if there was ever going to be any other outcome, saying let it be lesson to all other LL's not to dare stand up for themselves or we'll cripple you. Section 21 consultation farce it only going through the pretend motions, they are minded to do it anyhow ( or the remnant) or whats left of it. I now have conformation from my MP that he supports getting rid of S,21 if elected, he says he wants to strengthen the security Tenure for Tenants, apparently he doesn't know the balance of power is already strongly in the Tenants favour as only they or the Courts can end Assured Short Hold Tenancy and they will always be backed by Local Authority / Shelter / Citizens Advice, notwithstanding the fact that S21 has been so depleted already coupled with all the anti-private LL add ons debacles incl' deregulation Act, How to rent + another dozen to stop you using it. etc' its a stitch up plain & simple. Saint Paul used to do a lot of writing to the Corinthians but I think our Paul would give him a good run for his money, no offence.
From:
Michael Foley
06 July 2019 17:41 PM
It goes without saying s21 has been undermined completely, only one remaining tread left, now they are getting rid of that for Government to avoid their responsibility. The LL will be stuck with them indefinitely at his own cost, welcome to a major collapse, I can’t se it any other way / building thousands subsidised of Flats clearly not required.
From:
Michael Foley
06 July 2019 10:44 AM
Yes Paul dear, we are where we are through no fault of our own, we are where we don't want to be and don't want to continue under such Draconian regulations but they have put another huge tax penalty to try to stop us getting out, they want to keep us there to supply Housing, pay taxes and for them to be able to torture us in the future.
From:
Michael Foley
04 July 2019 14:43 PM
Private LL's haven't got a hope we might as well give them the Property now, my MP advises me that he is fully committed to strengthening Tenants rights, does he not know that the balance of power is already heavily in the Tenants favor. He in in support of doing away with no fault evictions / (s21) of course there is always a fault otherwise we would not want to remove a Tenant but want to keep them forever like I have some 10 yrs +. Its a completely different scenario when they know they can't be removed, then they are sure to play up. HM0's are a bad joke costing me tens of thousands just because persons are not related, damaging property / over crowding etc but we must have control of the property but they having giving us no instrument to do this & worse still exclude us from our own Property, well done. HM0's introduced in 2006, taken our Deposits away in 2007, taken away our 10% wear & tear, "Right to Rent" increasing our work load, "How to Rent" by Shelter not needed how did we all manage all the decades before & legally inept / changed so many times in just 5 yrs ie, introduced 10-4-2014 / 11-6-14 / 25-9-14 / 1-10-15 / 1-2-16 / 17-1-18 / 26-6-18 / 9-7-18 / 31-5-19 just how many goes do they want at it, and if you didn't serve the latest one each time couldn't use s.21. are they are really in charge of us OMG. Private members Bill / Sarah Teather failed not a problem for them they got it in the back door with Deregulation Act, Article 4, s.24, 3% SDLT surcharge hike, 8% capital gains tax surcharge hike, unlimited fine / charges / penalties, confiscation orders, criminalization of LL's previous civil matter, fake help to buy schemes, we fund all totally in every respect, can't use s.21 if ? we didn't give them Gas certificate before signing Contract previously as long as we had one in place, any repair issues, haven't given them latest How to Rent guide, haven't given them prescribed information, haven't given them Energy Performance Certificate, haven't protected the Deposit, have taken more the one wk's holding deposit, have taken more than 5 Wk's Deposit, haven't given the copy of HM0 license or haven't got one if required, haven't done your ICO check etc, etc. What on earth has all this to do with Quality Affordable Housing. I have to thank them for helping us so much. Please go away.
From:
Michael Foley
04 July 2019 14:16 PM
Deposits were to protect the property and no other reason but not anymore its been turned upside down / back the front, just to protect the Deposit it self , nothing protecting the property and is now another liability for the LL, have a look in your boots see if there is any brains down there
From:
Michael Foley
29 June 2019 14:39 PM
Rent a room Scheme is unfair & another distortion of the market, used as a cover to rent to 3 / 4 people, where as we have to pay tax on every penny and get a HMO license in many areas whether Selective or Additional & why are related persons exempt this is Discrimination / taking the mick.
From:
Michael Foley
27 June 2019 10:19 AM
Many of those homes are empty because of Rogue Regulations, LL’s rights taken away and too scared to rent. I see more on the way another 12 recommendation by DCLG to do as much as possible just where do those people get off. There is no shortage of Accommodation for paying Tenants but there is a shortage of those Tenants. Anyway don’t worry it will get worse.
From:
Michael Foley
27 June 2019 05:51 AM
I don’t do Inventories either but had always done them for 30 years prior to 2007 when Shelter brought in Deposit Schemes to undermine Section 21. Leaving is wrong what ever we did.
From:
Michael Foley
26 June 2019 09:39 AM
OK but I am still paying full c/tax on empty property. It’s not empty by desire or for refurbishment but because there isn’t enough Tenants to go around yet they keeping building thousands of Flats clearly not required just because of subsidised Scheme distorting the whole market .
From:
Michael Foley
25 June 2019 21:50 PM
Well fair enough but we pay massive Insurance Premiums & premium tax to cover those unfortunate events, also if the Fire Brigade is called & not taking anything away from them and the wonderful work they do, its my understanding you have to pay them as well anyhow.
From:
Michael Foley
25 June 2019 21:31 PM
You can have all the Periodic Inspection you like, you are still powerless to do anything, if you go to the Council that’s if can get to see them which is almost impossible & there pretend phones those days / obsolete, they will target you. Anyway the Council will side with the Tenant & Tenant will claim harassment because you visited regularly. There is no way that LL will be allowed to get any backing. DG is right I have it all the time fire alarm pulled from ceilings. Doors jammed open etc. Everything the Tenant does wrong is LL’s fault and he gets fined, do you still not know we have a new legal system where by it’s the victim that gets the penalty.
From:
Michael Foley
24 June 2019 17:07 PM
Just Scrap it and be done.
From:
Michael Foley
24 June 2019 10:21 AM
Further to National Landlords Association article on your blog today, of which I am a member. I don't agree with any of this, do you really think that the tenants don't know all about Renting ?, you must be having a laugh with reference to "How to Rent" guide. Tenants are usually younger than LL's more educated, digital competent and all have iPhones and know all or able to access everything. The Tenants are coming to me telling me their rights so don't bother with your surveys. How to Rent was brought in by Shelter in 2014, forced into our Tenancy agreements against our wishes, not required & without Consultation, how do you think we managed for the decades gone before. This is more unnecessary unpaid work load for LL's to add to all the other unpaid things we have to do, this has proved to be legally inept, ie Introduced on 10-4-14 / changed again 11-6-14 & / 25-9-14 / 1-10-15 / 1-2-16 / 17-1-18 / 26-6-18 / 9-7-18 / 31-5-19, just how many goes does those incompetent people want. They have cost me so much printing those booklets again & again then not able to use them because you must have the latest one whats a waste of paper, I know my time is irrelevant free for all. Just Scrap "How to Rent" and while you are at it Scrap "Right to Rent"as well.
From:
Michael Foley
24 June 2019 09:47 AM
There is no Houses Crises, no shortage of housing, they are just building thousands of flats clearly not required, look around you its mad. there are huge Council waiting lists and no surprise how big that is, many are on there not because they couldn't live without it but because its subsidized of free, they are not stupid when you have designed a system where everything is provided & there for the taking just push Husband to one side and they qualify. The Government must hate the family Unit to have gone to those lengths to destroy it, no wonder their children have issues & Society gone to the dogs, now packing them into high rise Flats which is what's happening not good for kids stuck in there playing weird games on their consul or watching crazy films getting fatter every day getting obese ending up with health problems, maybe getting fire brigade to take down the door to get them out. Flats without gardens waste of time for children, why not spent the money building proper houses with gardens like 1930 although big developers wouldn't as much money for old rope as repetition Concrete Frame that would be a shame. Then help to buy nonsense costing the Tax Payer £Billions to subsidized plus loss of Stamp duty & in many cases not required as they could have bought anyhow, have you seen the figures so many earning £80k pa others even over a £100k all on new build up to 600k in London probably all Flats, existing property don't qualify more nonsense looking after big developer. Regarding the Law on LL's or lodgers there is no such thing for sure, the Council is well above the law and do what ever they want and get a cut of the spoils, if you do everything right don't think that you are protected, have you not been following the cases after which they call it a successful outcome and give themselves a clap on the back as if there was ever going to be any other outcome.
From:
Michael Foley
22 June 2019 13:36 PM
Good on you and I wished I had your administration skills but unfortunately haven’t. I was a Tenant for 9 years & lived in various around the uk because I followed the work. However I Built my own house in Ealing in 1973 by my own hands with only hand tools no Electric on site and cordless tools yet to be invented, proper 4 bed Detached House, incidentally which I still have. Regarding getting rid of us in preference to housing all Benefit Tenants, this is fine by me but they’ll get the shock of their lives when they realise we’re not there to pay the taxes to fund them all.
From:
Michael Foley
21 June 2019 20:29 PM
Thank you Paul I digress and agree with you. I shouldn’t invest and definitely not able to coping now but not with any aspect of providing quality affordable housing. It’s all the nonsense regulations & legal farce to drive us. They need our Tenants for the thousands of Flats they are building clearly not required, it’s a shame someone didn’t tell me that I wasn’t fit for purpose in 1978 41 years ago & I wouldn’t have bothered, just sorry for ever being a LL and the contribution I made.
From:
Michael Foley
21 June 2019 18:23 PM
Obviously some great LL’s and wonderful Tenants in the main who are a pleasure to deal with, that we would never evict and only sorry the day they move on. S21 is only there protect bad Tenant which I haven’t use in years but the fact that it is there helps because they know as a last resort you could use it if they get too much out of line. The last time I used s21 I was owed £9k got Court Order for fill amount, cost me another £1500 legal plus VAT of course didn’t finish there had to pay Bailiffs, to make a long storey longer I never actually received a penny, good system isn’t it not ?
From:
Michael Foley
21 June 2019 17:47 PM
Sorry again I was not disagreeing with you Abi Bhalla which I totally agree with but about previous comment by Paul who I usually agree with.
From:
Michael Foley
21 June 2019 15:50 PM
Sorry to disagree but we are not allowed to run our business anymore.
From:
Michael Foley
21 June 2019 14:44 PM
There is more they dismembered my wardrobes & reused the parts staked together in the garden to make perimeter of swimming pool, then draped a large lorry tarpaulin to form pool and filled with water which it did hold, then left there indefinitely until it stank. I am now going to do some work to get my mind off those things.
From:
Michael Foley
21 June 2019 09:55 AM
I had similar problem with a house I built in Croydon, where I lived before renting it out. Recked every wall bashed & holed plaster board no barrier to them. All new carpet gone, ceiling & walls painted wears colours, light fittings broke, every plug socket broken or cracked, consumer unit interfered with/ large metal screw put across main fuse to use equipment to powerful for a normal house. The Council was completely on their side & sent me warning letter about correct procedures. I eventually got house back & had to do all the work again at my own expense. Then sold so sorry for my years of labour not making a profit & then pay capital gains tax, so spare a thought.
From:
Michael Foley
21 June 2019 09:26 AM
If only life was that simple. I had a major Housing Association wanting to rent from me, they also insisted I should do the garden as equipment could not be supplied to the Tenant because they might cut themselves or Course they are far more important than me its ok fore cut myself.
From:
Michael Foley
19 June 2019 12:14 PM
It’s my understanding that LL’s are not allowed to require the Tenants to keep the Garden. We might as well give them the Property but that would never do, then they might actually have to do something.
From:
Michael Foley
19 June 2019 11:37 AM
I don’t know why you are on about controls. I haven’t increased some in 5 years & others in 10 years . There is no 2.44% for me while at same time I have property in Acton vacant for months & can’t find suitable Tenants. The costs keeps rising including full c/tax plus all the Council rules to destroy us & for no other reason. Shelter at it again saying we should have same restrictions as Scotland which they say is working well but they used the figures from before it was introduced, how can anyone get away with a stunt like that, this is just like when they took our Deposits when they alleged 44% of Deposits were withheld by LL’s, it later turned out the real figure was less than 2%. I can’t understand why we are not allowed to run our business anymore.
From:
Michael Foley
19 June 2019 10:01 AM
Wrong stories that’s all in the past, leave that to the history books. We are worried about now & the future, the whole industry collapsing by Statue. Thousands of Flats being built clearly not required plus private LL’s not allowed to run his business, this cannot work.
From:
Michael Foley
17 June 2019 19:33 PM
More nonsense by activists who wants everything their own way, how much property do they supply ? zero but they think they know everything and stir up trouble which is their motto. I can't see any difficulty for all those persons who wants all those rights & the Landlord to have none, no problem buy your own and see how far you'll get pushing the lender about, best of luck.
From:
Michael Foley
13 June 2019 19:16 PM
Well said Paul, it's absolutely ridiculous that we don't have a strong lobby group to represent us. The most powerful lobby group has destroyed our business, made rules, even changed the law of the land, they are not Elected Representatives, it's so farcical its too hard to comprehend, they do not supply the housing, they do not own the property / finance or pay the loan so they are nothing only living off our backs, why the Government entertain I don't know. We should have a unified LL Association. I have been a member of 3 but currently a member of 2, NLA & iHowz. I agree we should have one and better if they all amalgamated and better still if all LL's joined but some are so mean they would begrudge the very reasonable annual fee. We are the LL's we own the properties so we are the very people that should have a strong lobby group and not some lame duck organisation with no Housing to put a roof over anyone head, charity status indeed while paying their top brass in excess of £100k pa. I suppose I shouldn't be surprised when a Minister give a huge Contract to a shipping Company with no Ships. The Government should show us some respect giving that we are the biggest provider of quality affordable Private Housing in the Country and the contribution we make to the economy & Revenue.
From:
Michael Foley
13 June 2019 12:48 PM
no comment on this one. There is currently a save Section 21 campaign live and urge every Landlord to take part. There seems to be only a handful of us LL's trying to fight for our rights and that's a bit obvious, this is no different than before when we were campaigning to have s21 introduced all those years ago and since to have squatters rights removed from Residential properties, they are quiet happy to sit on the sidelines & avail of any concessions we might achieve, this is totally wrong & I assume there are 2 million private LL's in UK, so don't leave it to a dozen of us, stand up & be counted / stop hiding behind the Bush unless you are so crooked you can't shoe your face.
From:
Michael Foley
13 June 2019 09:29 AM
So 20% of Tenants are on Housing Benefit that’s every fifth person many free loaders & huge numbers of false Claimants among them, they have Priority over working Tenants who pay taxes to keep them but never mind that they have equal rights for watching tv all day as the worker who has fare to pay to go to work, maybe £2 for a coffee down the City, instead of 20p at home, pay kids schooling / uniforms etc’ it doesn’t look equal to me.
From:
Michael Foley
12 June 2019 21:29 PM
We now have to comply with energy performance everything. They are aiming for Zero Emissions by 2050 but we had all this already in the 1950’s, so it’s taking us 100 years to get to where we were 100 years ago, now the is some progress.
From:
Michael Foley
12 June 2019 16:20 PM
With myDeposits Insurance backed Scheme, for a small charge.
From:
Michael Foley
12 June 2019 15:40 PM
Sorry I meant How to Rent the phone changed it automatically. Right to Rent is just something else we have to deal with.
From:
Michael Foley
12 June 2019 10:39 AM
We have been had by an anti private LL Non-Housing Organisation with Charity Status indeed, who took away our Deposits in 2007 based on a pack of lies when they alleged 40% of Deposits were withheld by LL’s, it later turned out that real figure was less than 2%, took away our wear & tear allowance, Brought in Deregulation Act & they are not elected representatives, forced in Right to Rent requirement & not fit for purpose / has since changed 6 times because of legal mistakes. It seems to me they installed a member of their team in May’s Government at No. 10 & wrote the Policy’s from with-in. Disgraceful to be allowed to do this, the best footballer is always in the Stands.
From:
Michael Foley
12 June 2019 10:17 AM
The reason for getting rid of s21 is nothing to do with LL’s getting rid of Tenants willy nilly. The truth is Local Authorities wants it to avoid rehousing people, if LL can’t evict them he is stuck with them indefinitely at huge cost to private LL’s. Tenants won’t be able to approach LA for housing because they won’t have a Court Order which is a requirement to prove homelessness, is that not simple enough to understand.
From:
Michael Foley
12 June 2019 06:40 AM
We’ll all have mental health issues the way we are treated, pillarised, wronged, blackguarded, taxes to the eyeballs, criminalised, slave labour just to house other people, no one concerned about LL’s health we don’t have the rights of a dog.
From:
Michael Foley
08 June 2019 08:09 AM
God help us tax payers, How much is 5 years rent plus Benefits, free loaders have destroyed the economy of the Country.
From:
Michael Foley
07 June 2019 20:31 PM
It’s the Council that were responsible for having the sub-standard cladding installed which caused the deaths of 72 persons RIP at 24 storey Grenfell Tower affecting hundreds of Families, so much pain & suffering if Regulators kept away it wouldn’t have happened. I am now astonished that just a mile up the West Way construction has started on another Residential Tower Block but this time it’s going to be 42 storey double height of Grenfell Tower ? I am speechless.
From:
Michael Foley
06 June 2019 17:04 PM
No need for us to do that, the Council is doing this already, thousands more joining the queue every week it’s called free living and so popular, why would you buy a cow when the milk is free.
From:
Michael Foley
06 June 2019 15:33 PM
It’s not possible to increase rent when I have property empty & can’t find proper Tenants, everyone that comes are on benefits, wants to over crowd & ready to give birth. Only one lot that came were going to pay their own rent but they couldn’t afford really not even on minimum wage. Then not surprising a West London Council are paying out £37m pa. This is disgraceful waste of tax payers money everyone wants free living & Council willingly obliges. We all know they are designing their status to suit thy system & another 7 / 8 thousand on the freebie list, but not waiting to rent my property from their own pocket.
From:
Michael Foley
04 June 2019 09:51 AM
Hi leveraged LL’s got well stitched up at least the existing ones before s24 was introduced because they bought in good faith according to the rules & taxes at that time. They could only have based their decision on those rules & regulations, how else would you make any business decision. Section 24 should only apply to purchases that were made after it was brought in. It’s not much use phasing it in over 4 / 5 years when we buy property based on loans over 25 years.
From:
Michael Foley
03 June 2019 18:22 PM
Sorry I said We’ll have to pay the Tenants to live in our property. I think they have nobbled my phone it likes to change whatever I say.
From:
Michael Foley
03 June 2019 10:34 AM
All of us quiet following Tenants anti-Private LL’s Act 1st June, a list of no no as long as your arm, everything at LL’s expense, we cannot even ask them to keep the garden where they throw all their belongings they don’t want but that doesn’t matter I am free labour dogs body for them. The Act missed an opportunity for LL’s to have to the Tenants to live in our property.
From:
Michael Foley
03 June 2019 10:25 AM
I can’t get my head around the outcome of Court Case where there was implications with regard to Assured Short Tenancies after say the 6 months ended. Then became Statutory Periodic Tenancy but the argument was whether it was a Contractual or Statutory Tenancy, the difference being if it was one as opposed to the other the LL became responsible for the c/tax, big danger.
From:
Michael Foley
02 June 2019 13:09 PM
London is a stupid market for sure & we are hammered from all angles, yet I get less that 3% return + a whole raft of extra costs including licensing with fees double most other parts of uk. The North West where to could get 4 properties for the price of one in L’don & get 6 / 9% return. Then you won’t be able to pass on even one property on to your family with-in the Nil Rate tax Band where as in NW pass on 3 / 4 properties free of Inheritance tax, we are doomed & Discriminated against.
From:
Michael Foley
02 June 2019 12:37 PM
We as LL’s have been strangled & weighted down with unpaid work load since 2004 Deputy Premier Housing Act. I now read at least another dozen of freebies that LL’s has to preform out of unpaid labour. This must surely be in breach of Modern Slavery Act 2015.
From:
Michael Foley
02 June 2019 08:48 AM
So many young men & women working in Estate Agency likely to loose their livelihood. Rogue regulators non stop to destroy business, do they not know that they are providing a service for a fee, the Potential Tenants are not forced to use them, it’s their option & services cannot exist without a payment. It’s just doing away with jobs.
From:
Michael Foley
02 June 2019 07:23 AM
From 1st June as I understand it the LL cannot reduce the Rent for the Tenant once a Contract has been entered into or continuing. The amount of rent charged cannot change & has to remain the same every month of the Tenancy.
From:
Michael Foley
01 June 2019 12:36 PM
No need for Rent Controls too late for that, the market has already collapsed, the Government has achieved its objective. The cow has gone dry.
From:
Michael Foley
01 June 2019 11:11 AM
No infighting sure we are all stressed out, there is no fair competition when some letting landlord have to be licensed & restricted while others let to families, no license required no restrictions on numbers while most have free living at tax payers expense. Council waiting lists getting longer every day because people are designing their lives to live off the system. The HB should have been sorted out years ago to stop false claimants, then there would be no housing problem, but they are king and untouchable.
From:
Michael Foley
30 May 2019 22:43 PM
So Government want cheaper Rents, why then have they spent last 12 years driving rents up with several rules & requirements, plus fines, sanctions, penalties, a load of other requirements, licensing, Deregulation Act, s24, meddling with s21, wear & tear gone, how to rent, right to rent, Deposit debacle, c/gains tax, Insurance premium tax hike to 12% The list is endless then wonder why rents are what they are, is it any wonder 650 of them can’t agree on anything.
From:
Michael Foley
30 May 2019 21:57 PM
Please no infighting
From:
Michael Foley
30 May 2019 21:05 PM
LL suppliers of quality affordable housing to PSH for decades & a huge tax contributor now considered enemy No 1. So now we have ‘WHICH’ joining the band wagon of LL bashers to go along with Shelter, Citizens Advice, University of York, LA’s, Radio Station, G Osborne the designer as Chancellor now fake news as paper editor, no one to stop those people destroying the economy, everyone sleep walking into another disaster Recession.
From:
Michael Foley
29 May 2019 03:10 AM
Who is writing the legislation ? That will probably be University of York centre of Government Housing Policy’s, they don’t live in the real world.
From:
Michael Foley
28 May 2019 12:41 PM
Good luck to you keep well away from the Smoke.
From:
Michael Foley
27 May 2019 09:14 AM
You don’t need a Mortgage Advisor, what you need is an Auction House & get out quickly now. Housing Market has collapsed whether selling or renting it flat. I have been two my MP this for 2 years but they would rather listen to Shelter & fake media including a dedicated anti-Landlord London Radio Station. Brexit done damage granted but the biggest culprit is the Rogue Regulating & unfair rules & mad penalties, fines & sanctions just to destroy us which had been very successful, but you cut off your nose to spite your face.
From:
Michael Foley
27 May 2019 08:48 AM
5 weeks Deposit up to £50k rent pa on property Contract or 6 weeks Deposit over that I think.
From:
Michael Foley
24 May 2019 20:59 PM
It doesn’t matter to Gov’ whether we are forced out or not, there is always a pot of gold for them. They will have SDLT from next buyer & Capital gains tax from us or Better still if we die they will have another 40% graveyard tax, no worries for Gov’ just keep churning the property over.
From:
Michael Foley
23 May 2019 23:43 PM
We have huge penalties already whether licensed or not but LA prosecute and are benefiting from fines , conflict of interest. We are now too scared to let not that it matters anymore now that the housing market has collapsed. Building tens of thousands of Flats clearly not required because of fake media & subsidised unnecessary Rogue Schemes to line the pockets of big Developers. Where are all those people living now. I will tell you where we house them so you have to bankrupt us to take our Tenants.
From:
Michael Foley
23 May 2019 23:13 PM
Licensing Schemes are just anti -LL Schemes. All my properties are licensed some as far back as 2006 & some relicensed twice more so some being licensed 3 times. This was the biggest disaster before S24 / S21 meddling. It’s total discrimination against some LL as it only applies to some sections of the community if you let to family’s not required as if they wouldn’t burn at all. It’s destroyed property big time causing damage / over crowding / sub-letting full scale because LL on back foot all he can do is keep his o below parapet & hope Rogue Tenants don’t complain to Council or he is guaranteed to be sanctioned. £5k first offence civil, second offence upto £30k criminal, no Court just like a parking ticket or if you would like to go to Court unlimited fine. All one sided no equality whatsoever before the law.
From:
Michael Foley
23 May 2019 17:50 PM
Forget about Housing Courts just leave S21 alone or what’s left of it following Deregulation Act which has already depleted made it very weak. That simple enough & stop meddling, if what you mean by housing Court is First Tear Tribunals or upper keep well clear of that, it will be far worse I have attended & observed.
From:
Michael Foley
23 May 2019 09:11 AM
It doesn’t matter anymore what they do, Housing & rental market has collapsed which was designed to happen by policy makers. Houses not selling, renting difficult, not unexpected as it was clear from outset of Rogue help to buy Scheme distorting the whole market. Penalties & Sanctions whole sale for LL’s. Tax payers money used to subsidies building tens of thousands of Flats not required & or to subsidise the occupiers which what they are doing. I told my MP a year ago that we are in recession because of this + the many other anti-LL incumbrance’s but it seems they they don’t know anything until about a year after it has happened.
From:
Michael Foley
20 May 2019 09:25 AM
It's not just LL that are affected by those rogue regulations, people are so silly thinking its only LL's that take the hit, its everyone that owns a Home. Property not selling or taking a year to sell at a reduced price, when does the penny drop. Auction Houses full, not because the market is booming but because LL's getting out quick. Sales might seem good but they are the subsidized Scheme Flats from tax payers money distorting the whole market, building thousands of Flats clearly not required, no use taking figures from Housing lists they are all on that which is understandable if you are going to get subsidised housing or some for nothing freeloaders.
From:
Michael Foley
16 May 2019 09:04 AM
It no use corralling property prices & interest rates to work out how much rent should be when the market is completely distorted with Stamp Duty Land Tax Penalties, even on a Flat of £350k = £18k SD or more likely Flat in L’don & £500k = £30k SD so how many years of your investment to get that worked off, you are not buying an acid but a tax liability.
From:
Michael Foley
15 May 2019 18:33 PM
House of Lords select committee now come to conclusion rents are too expensive & something needs to be done about it. The Authorities that be have spent last 12 years making rules / regulations each one adding to the cost of the let, now they turn around and say rents are too expensive after they caused it, are those people for real. Sir George needs to wake them up.
From:
Michael Foley
13 May 2019 10:32 AM
LBC would that the anti-private Landlord Radio Station,
From:
Michael Foley
10 May 2019 12:16 PM
Hi Marc De Silva what a load of old tosh, what Planet are you on, is there no equality before the law of taking advantage of fellow human beings
From:
Michael Foley
09 May 2019 15:30 PM
Don’t take the Mick.
From:
Michael Foley
08 May 2019 15:12 PM
I don’t think the LL broke the Glass in the windows either. It’s not a question of LL allowing the Tenants to live like this, the Tenant live how they choose & LL powerless to stop them, so maybe another miscarriage of justice. I see Council issues improvement notices that are usually impossible to comply with, when every room are full of Tenants belongings not possible to do the work with the best will in the World & even worse when Tenants on Benefit as they are present as well, at least if the property was vacant you could move furniture/ beds etc from one room to another temporarily but not possible with Tenants possessions & they wouldn’t want you to touch them either, for this reason generally LL not able to comply hence subsequently gets big penalty, so it’s nothing to do with LL allowing them to live like this he cannot stop them now that he has no rights anymore & excluded from the property.
From:
Michael Foley
04 May 2019 20:44 PM
What ever the rights & wrongs are, this is disgraceful behaviour by Council & Courts. This is an affront to British Justice, have you not ever heard of the punishment to fit the crime, this is way over the top and CONFlICT of INTEREST in the extreme. Council shouldn’t be beneficiary of their outrageous Actions & using the Court System anytime they want a few bob, causing public to loose confidence in the Justice System, no wonder we have a young generation growing up that couldn’t care less.
From:
Michael Foley
02 May 2019 19:16 PM
So Sorry that I was ever a LL & have to put up with this nonsense. The Tenants have all rights already & we have none, then LL is responsible for everything & criminalised + pay all incl’ trumped up penalties. So you want more freedom just buy your own & pay your Mortgage the lender don’t put up with your nonsense or have trouble getting the Property back. There is no shortage of Housing just thousands of Flats being built clearly not required because of subsidised Schemes.
From:
Michael Foley
30 April 2019 12:27 PM
I admire your honesty, you tell it the way it is, that was straight from the shoulder ✅
From:
Michael Foley
29 April 2019 21:27 PM
I think there are plenty of other child benefits apart from children allowance as we used to call it, and free schooling, uniforms vouchers plus medical care etc’ however I digress if I get it wrong. Cheers
From:
Michael Foley
29 April 2019 21:08 PM
Why are they having babies that they can afford or is it that the mothers want to be kept / housed / fed and their family’s for them forever on our taxes. Working parents seem to be only able to rear two children & get no child benefit allowance, while non-working non- contributing benefit mothers seems to have 4 / 5 children which is a requirement to qualify for all tax payers money , is this not very true.
From:
Michael Foley
29 April 2019 19:13 PM
Hi you can’t be serious how on earth are they going to give the Tenants more rights. They have them all already, it’s only the Tenants or the Courts that can end a Tenancy and now they want to make Tenancies without end at the discretion of the Tenant. So what more rights can you give them unless you are going to give them our Property but they wouldn’t want that either as we wouldn’t be around to Molly cuddle them.
From:
Michael Foley
26 April 2019 17:03 PM
S21 was brought in for a reason and it was almost impossible to get some where to rent at that time, because if you let to someone at that time they immediately became a sitting Tenant so that didn’t work did it. I had campaigned for years for the 1988 Act & only for Sir George Young championed it, there would be no letting business, do they really want us back there again. There is never a mention of the huge tax contribution we make, it seems to me we are frowned upon, the Benefit claimant has the whip hand. Before the 1988 Act I had to and source my Tenants via Ltd Companies which gave some small level of protection.
From:
Michael Foley
23 April 2019 15:29 PM
Tens of thousands of Flats being built clearly not required, just because they are subsidised making millions of £’s for big Developers. I disagree with everyone there is no shortage of housing, it the sheep going through the hole in wire fence syndrome.
From:
Michael Foley
16 April 2019 21:43 PM
So if Tenants & Shelter wants all this security of tenure no problem, buy your own but don’t expect me to work myself into an early grave to keep a roof over their heads. They will soon find that Banks will not have to put up with nonsense, but add huge penalties willy nilly and no problem getting repossession either, no specific kangaroo Court need for them.
From:
Michael Foley
16 April 2019 03:23 AM
There is no such thing as a Government Consultation, we had all that with the Licensing Schemes. I attended 3 separate meeting around one Borough. The Mayhew Report where a guy from York came & told us what they were bringing in & that’s what happened we had no say whatsoever. That’s not a Consultation and the clowns got paid £100k for that our money.
From:
Michael Foley
15 April 2019 17:49 PM
Final nail in the coffin.
From:
Michael Foley
15 April 2019 10:06 AM
I think we can take a hint it fits in my mind that they want us out. I disagree with everyone that there is a shortage of housing regardless of media hype. Thousands of Flats being built clearly not required in almost every London area, where are the occupants to fill those. They have to get rid of us as they need our Tenants to keep making £m’s for big Developers subsidised schemes. 40% of purchase money interest free for 5yrs first time buyers up to £600k & no S.D. + only 5% Deposit, what’s going to happen after 5 yrs when they can’t afford ?.
From:
Michael Foley
05 April 2019 07:23 AM
Hi, so now we know where we stand, they all have their snout in the trough. Letting Agents who live off our backs have joined the anti-private LL band wagon, just avoid them & don’t use them giving us the ability to offer Tenants a more reasonable rent.
From:
Michael Foley
03 April 2019 09:54 AM
I built a Detached House in Ealing, West London in 1972 / 73 by my own hand & still have it. There was never an issue with mould or damp for 35yrs until a particular type of Tenant came & blackened the whole place in 6 months flat. When that Tenant vacated I redone the whole place & never a problem since either, probably 300 Tenants passed through without a problem. It’s rarely the fault of the Building, perhaps Digital Academics like Aspect could throw away their computers / lap-tops etc, and try a hammer, Saw, trowel, brace & bit, it might help housing quality, too many people making false allegations & living off our backs.
From:
Michael Foley
01 April 2019 19:44 PM
Hi Aspect, what a load of crap, what about LL stress & anxiety caused by clown like you, how much more bull sugar can you come up with ? one time they used to blame Russia for the weather.
From:
Michael Foley
01 April 2019 18:51 PM
Another fools regulation for fools day, we don’t want protecting, we don’t want anything to do with you, go away and leave us alone.
From:
Michael Foley
01 April 2019 15:26 PM
So Mr T Gatzen you think it’s ok for every fifth one to have a free ride, so the other four are some fools. Can we not have a petition where we are allowed to vote against.
From:
Michael Foley
30 March 2019 15:58 PM
I can’t understand why HB Tenants have far more rights & entitlements than hard working Tax Paying Tenants who have to pay for everything.
From:
Michael Foley
30 March 2019 13:25 PM
I seen the notice Boards around Archway in 60’s saying no Irish and I didn’t have a problem with that at all. I was just delighted to know in advance. I wouldn’t want to go somewhere what I wasn’t wanted. Many w
From:
Michael Foley
27 March 2019 09:00 AM
Well don’t your discriminatory petition shouldn’t be allowed. I tried to vote but the plat form only allows you to vote for & not against this is another Rogue petition, no need to bring the Irish into it I was here in early 1960’s
From:
Michael Foley
27 March 2019 08:56 AM
I am surprised that no one made a comment about Government Panel Debate at Olympia 21.3.19 where thousands of LL attended maybe because it was fake & not a debate. That Chair a load journalist wouldn’t let us speak. A letting Agent / Finance bloke talking up the market & not saying about problems. Less tax man think we should have longer Tenancies & allow cats & dogs, we have been victims of this in the past. Then another journalist a lady not much to say. Then a former Government Minister who was the only one worth having on the stage of the Auditorium, at least he knew what he was on about even if I didn’t agree, What a sham.
From:
Michael Foley
26 March 2019 11:22 AM
It’s ridiculous they are using the Wilson’s to get rid of Section 21, just one LL to change the law for thousands of us that have been LL far longer than the Wilsons but we never really hit the big time because we changed moderate Rents for excellent property & were never ruthless.
From:
Michael Foley
19 March 2019 04:02 AM
Rubbish more & more rubbish
From:
Michael Foley
08 March 2019 09:40 AM
So it’s all about digital academics making all the rules & not Landlords. Why don’t you understand it’s digital that has destroyed letting & you are all there doing as much damage as possible with your computers, you are all rogues & living off our backs.
From:
Michael Foley
06 March 2019 16:37 PM
The London Assembly agrees a motion to scrap section 21,non of their business it's not their property obviously they don't know why it was brought in, in 1960's / 70's it was almost impossible to get a Pace to rent. I should know I was a Tenant at the time, if a landlord let his property to anyone back then they immediately became a sitting Tenant so that didn't work did it. Hence the laws had to change in order for people to find accommodation. I suppose London Assembly would like to go back to 1960's again its no difference to them how much damage they do not their Property. How many more, come on keep bashing us it all you know.
From:
Michael Foley
11 February 2019 21:32 PM
Did landlord cause Smoke detectors to be hanging from the Ceiling. I think we all know the Tenants done this.
From:
Michael Foley
03 September 2018 09:52 AM
So many regulations each one with a cost driving rents through the roof. making Rent unaffordable that's why there was 20'000 evictions of misfortunate tenants last year mainly due to rent arrears through no fault of their own, it's hard to imagine Government & Local authorities hate Tenants so much and then pretend to be their friend.
From:
Michael Foley
24 August 2018 12:27 PM
The Landlords that are mortgage free as you call them are paying 45% tax already, plus now no wear & tear + load of expensive regulations / Penalties
From:
Michael Foley
08 June 2018 14:10 PM
Why make more regulations for Landlords we now had 10 years of this doing enormous damage driving rents through the roof, making letting un-affordable. Lumbered with huge taxes / Stamp Duty Land tax 3% super levy / Capital gains tax 8% surcharge /Insurance Premium tax hike, Licensing schemes expensive & funded totally by us, penalties up to £30k by local Authority who keep 37% for themselves this is conflict of interest, Investment tax relief cut by 25% per year until it disappears, 10% wear & tear gone which was there as long as letting itself, Section 21 made useless by Deregulation Act, Deposits not worth having they made them another liability.
From:
Michael Foley
04 December 2017 16:07 PM
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30 May 2019 22:43 PM
From: Michael Foley
30 May 2019 21:57 PM
From: Michael Foley
30 May 2019 21:05 PM
From: Michael Foley
29 May 2019 03:10 AM
From: Michael Foley
28 May 2019 12:41 PM
From: Michael Foley
27 May 2019 09:14 AM
From: Michael Foley
27 May 2019 08:48 AM
From: Michael Foley
24 May 2019 20:59 PM
From: Michael Foley
23 May 2019 23:43 PM
From: Michael Foley
23 May 2019 23:13 PM
From: Michael Foley
23 May 2019 17:50 PM
From: Michael Foley
23 May 2019 09:11 AM
From: Michael Foley
20 May 2019 09:25 AM
From: Michael Foley
16 May 2019 09:04 AM
From: Michael Foley
15 May 2019 18:33 PM
From: Michael Foley
13 May 2019 10:32 AM
From: Michael Foley
10 May 2019 12:16 PM
From: Michael Foley
09 May 2019 15:30 PM
From: Michael Foley
08 May 2019 15:12 PM
From: Michael Foley
04 May 2019 20:44 PM
From: Michael Foley
02 May 2019 19:16 PM
From: Michael Foley
30 April 2019 12:27 PM
From: Michael Foley
29 April 2019 21:27 PM
From: Michael Foley
29 April 2019 21:08 PM
From: Michael Foley
29 April 2019 19:13 PM
From: Michael Foley
26 April 2019 17:03 PM
From: Michael Foley
23 April 2019 15:29 PM
From: Michael Foley
16 April 2019 21:43 PM
From: Michael Foley
16 April 2019 03:23 AM
From: Michael Foley
15 April 2019 17:49 PM
From: Michael Foley
15 April 2019 10:06 AM
From: Michael Foley
05 April 2019 07:23 AM
From: Michael Foley
03 April 2019 09:54 AM
From: Michael Foley
01 April 2019 19:44 PM
From: Michael Foley
01 April 2019 18:51 PM
From: Michael Foley
01 April 2019 15:26 PM
From: Michael Foley
30 March 2019 15:58 PM
From: Michael Foley
30 March 2019 13:25 PM
From: Michael Foley
27 March 2019 09:00 AM
From: Michael Foley
27 March 2019 08:56 AM
From: Michael Foley
26 March 2019 11:22 AM
From: Michael Foley
19 March 2019 04:02 AM
From: Michael Foley
08 March 2019 09:40 AM
From: Michael Foley
06 March 2019 16:37 PM
From: Michael Foley
11 February 2019 21:32 PM
From: Michael Foley
03 September 2018 09:52 AM
From: Michael Foley
24 August 2018 12:27 PM
From: Michael Foley
08 June 2018 14:10 PM
From: Michael Foley
04 December 2017 16:07 PM