Archive for the ‘COVID-19’ Category

I Worked Out A Fair “Win-Win” Payment Plan With My Landlord

Sunday, May 24th, 2020

 

My Landlord And I Cooperated Together

These are difficult times for everyone. So many people are out of work and many have even been fired from their jobs!

The pandemic has changed the world and has hurt so many people.

And with all the schools closed many parents have to try to educate and entertain our children. This is especially tough when we can’t go to parks or playgrounds.

Landlords And Tenants And Paying Rent

As a long term tenant I have paid my rent according to the lease with my landlord all the time.

Now things have changed, the economy has changed, the whole world has changed due to the Corona Virus.

Economic Challenges

We tenants have lost hours, lost jobs, and even lost hope. This is a unique situation we have never seen before.

So How Should Tenants Deal With Their Landlord?

It’s all about being upfront and honest and working together.

Inform Your Landlord Of Your Predicament

Be open and honest with your small landlords because they will care and understand the challenges you face.

Most small landlords are nice people…they don’t want you to move (at least in my case). And they are willing to listen. And they are often flexible to reach a win-win situation.

Also, they don’t want to try to find a new tenant to replace you if possible. They want you to stay and hope you are willing to work with them.

See Things From The Landlords Point of View And Ask Them To See Things From Your Point Of View

Most small landlords are not like the rich corporate landlords living in their castles. They want you to stay and be their client.

They also know that finding another good paying tenant in the current environment will be very difficult and would prefer you to stay.

So it’s entirely possible to ‘work things out’.

Work Out A Payment Plan

I worked out a fair payment plan with my landlords.

Since I only get $2000/month from CERB and my rent is $900/month we agreed I would pay $500/month and I would catch up when the pandemic is over and I can get back to work.

This allows me to have confidence I will keep my home and also gives me $1500 for other things I need in life (and I still don’t need to dip into my savings!)

Working Together…Works!

View your small landlord as a partner in this whole crazy mess of a world.

Your small landlord likely rented themselves or have friends or kids renting so they are on your side. They might even be helping their kids or relative or friend who is renting deal with this situation.

Working Class Tenants Working With Working Class Landlords is Key

Many working class landlords aren’t rich and have bills to pay. They are usually pretty kind and flexible and if you be polite and tell them you want to work things out they will do it.

Make sure you rent from a small working class landlord because you can talk to each other and prepare win-win plans.

Stay Safe and Let’s All Work Together

I Took Mercy On My Landlord And Saved Them From Bankruptcy – But With Conditions

Monday, May 11th, 2020

Treat Tenants Like the VIPs!  You Need Our Rent Money!

I’m Proud To Have Helped My LL Survive & Not Go Bankrupt

When our premier announced that tenants do not have to pay rent during this horrible crisis tenants face I immediately felt better.

It was nice to know the government understood what I was dreading and said there will be “NO EVICTIONS” until the crisis is over. With businesses closed and workers being laid off, how could we pay the rent for the next six months or more?

I saw on FB and on signs in my area that many Tenants in financial trouble were saying we didn’t have to pay rent at all.  The reason is because we can’t be evicted we didn’t have to pay rent.

So If You Don’t Pay Rent Nothing Happens?

This sounded almost too good to be true. I didn’t have to pay any rent for the next few months or more…maybe up to year.

The premier also said tenants should only “pay what you can” and not make paying rent a priority.

So he basically was saying, make up your budget and put rent last.

I Have A Great Relationship With My Landlord

Since moving in a couple years ago I’m very happy here in my Home.

The landlords are nice people who gave me a very low rent to begin with because I’m a working woman who is rarely at home with great credit so they thought I was their perfect tenant.

Ideal Tenant (Working woman, not home much, great credit) Gets Discount

They gave me 20% of market rent right off the bat because they praised me as being the type of person landlords want to rent to. Of course landlords are sexist and love renting to women and I love how this stereotype helps me.

This made me very happy to hear and they gave me the discount on what they were advertising because I said I was going to be renting for at least a few years while I built up my savings.

I Could Pay No Rent, But I Worked Out A Rebate Plan 

Since I have such a good relationship with my landlords (they love me, I’m never home and never late paying) I learned a lot.

Most landlords are not independently wealthy and cannot afford to pay the mortgage out of their own pocket. They need rent every month just to survive. I understood that and they explained how tough their current situation was. So decided to help them survive. 

I Paid Rent…But 40%  That Was Fair To Both Sides

I made my own budget and made sure my most important expenses were on top of the list and the rent was at the bottom (but still there, as it’s only fair to my landlord).

I calculated my decreased salary due to less hours minus my main expenses for survival during this crisis. Most important expenses over rent:

-Stocking up on canned food and wine

-Buying food for fresh daily eating

-Costs of ordering Take-Out and the extra costs for UberEats, etc.

-Costs of feeding my cat and ordering her food.

-Ordering clothes I will need if I’m stuck in my Home for a long time. Fresh panties are always refreshing. A girl in a cage needs comfy too!

-Order creams to keep me looking youthful at L’occitane

-Saving for masks and potential medicines.

-Entertainment such as renewing my Netflix, CBS, and Amazon Prime accounts.

I Paid Rent…And Helped My Landlord Stay In Business

After all my budget expenses I ended up paying my landlord 40% of the usual amount.

My landlord was happy to get the rent without any issues and with no haggling.

This was not a ‘deferral’ it was what I would pay, period. For April and for future months up to the end of my lease.

They appreciated me even paying and I’m happy I did the right thing to help them would I could have paid $1 if I was the evil, nasty type of bitch.

Work With Your Landlord Like I Did

I could have just said I didn’t have the money but I know my landlord who are a nice couple so I decided to work with them like the Premier said.

40% Paid And I Saved My Landlord’s Life

I paid 40% of the rent for April and will pay that same amount as long as the pandemic continues.

If you have a good small landlord consider paying them at least a little bit because they are in need of rent for their families.

I also told my landlord to always remember I didn’t have to pay, but I did pay 40%. I told them how about a little gift for me, like some Lancombe make up or some expensive champagne?  KEEP ME HAPPY OR ELSE!

Let’s work together and at least pay your landlord a little bit to keep them also surviving…but don’t pay them the full amount because you need to spend your money on your needs first! This is a Win-Win Relationship.

Small Landlords Need To Get Rent And Be Able To Evict Non-Paying Tenants

Wednesday, April 1st, 2020

Ontario Landlords Require A Functioning System Where Rent Is Paid On Time & Non-Paying Tenants Are Evicted. Or Many Of Us Will Go Bankrupt & Have No Choice But To Sell Our Rentals

The entire world is worried about the pandemic known as Covid-19.  Countries such as Italy have even ordered a nation-wide quarantine that will keep citizens stuck in their home and unable to use public spaces.

The province of Ontario also has a growing number of cases and Premier Ford has declared a state of emergency. This had led to restaurants being closed, schools closed, and other actions.

Ontario Tenants Face Challenges

Many tenants are dealing with reduced hours at work or even job losses. On top of this tenants are using saved up money to stock up on essentials in case they have to self-isolate.

Small Landlords Often Rented Before We Became Housing Providers

Unlike the large corporate landlords, small landlords are regular people who also face serious challenges. As many of us rented at some point in our lives, we understand and sympathize with what tenants are dealing with. However, we ask everyone to understand our situation as well.

Rent Freezes, Evictions Bans, And A Closed Down Landlord And Tenant Board

Many of our members are very concerned about some of the ‘solutions‘ that are being brought forth by some tenant groups, some people in the provincial government, and some people in the media.

These so-called solutions include a freeze on rents, don’t pay rent, don’t allow any legal evictions, don’t enforce evictions and more.

While these sound dramatic and helpful they will only harm the entire rental industry and tenants themselves

Small Landlords Are Not Faceless Corporate Giants

We’ve worked hard over the past decade to show that small landlords need to be put in different category compared to the corporate landlords.

We’re not rich. We hold jobs and many of our members are teachers, fire-fighters, secretaries, mechanics, doctors, painters, plumbers, electricians, Realtors, small business owners and even helicopter pilots and retired athletes.

We rely on rent to keep our businesses going.  When a tenant pays rent to us, we are paying property taxes, insurance, mortgages and for maintenance (which is not nearly as inexpensive as tenants think it is). If we don’t receive rent, we still need to pay all these costs.

And many small landlords require rent each month just to cover all these costs!

We Need To Find Real Win-Win Solutions

Small landlords are aware of the serious challenges tenants face. Some of our OLA members are already providing their tenants with extra heaters, blankets and…toilet paper. We’re trying to help!

One our OLA members is even going to Walmart, Metro and Shoppers Drug Mart to buy diapers and milk and groceries and medicine for a single mom tenant who is afraid to take her baby out shopping with her.

This is what good small landlords do for our tenants. We don’t want conflict with tenants, we want win-win situations.

Rent Freezes, No Evictions, Closing Down The LTB, No Sheriff Enforcement Are Not Solutions

All these so-called ‘solutions’ are simply demonizing the landlord and placing the entire financial burden tenants face on to the small landlord.

This won’t work.

Small landlords need a functioning system where we get paid rent and can evict non-paying tenants in a fair and efficient legal venue.

If these so-called ‘solutions’ become part of the system it will lead to many bankrupt small landlords and many will sell their rentals (often to a person who wants it for their own use).  This will inevitably lead to an even lower vacancy rate.

Let’s Create A Tenant-Landlord Alliance For A Win-Win Solution

So landlords are aware of the challenges tenants face. Hopefully, after reading this, tenants will be aware of what small landlords face.

So what are some win-win solutions?

Province Provides Grants of Interest Free Loans For Tenants

We already see how the excellent Toronto Rent Bank helps tenants. They are hard working people running it who truly care.

So why not create a new large province-wide Ontario Rent Bank? The government can put in financial resources to create a large province-wide Rent Back.

This would be a place for tenants who are in need to get help to pay their landlord.  Either a grant (for 1 -3 months of rent) or an interest free loan.

Every Evicted Tenant Can Get Places Into Government Social Housing

How much money is spent on social housing? It’s huge. So why isn’t it more effective and better managed?

How about the Landlord and Tenant Board works with government social housing providers across Ontario?

And if someone is officially evicted these government social housing groups reach out to the evicted tenant to help them find a place to stay (thus eliminating homelessness) if they want it (many tenants will just find a new place).

Let’s Fix This And With Smart Long Term Logical Ideas

There are tenant groups out there screaming “stick it to the landlord”.  There are also some minor hick landlord social media outlets filled with uneducated people and owners looking to make a buck saying “tenants just pay or else and also no tax dollars fer them!”

Both extremes should be ignored.  Small landlords need to be protected and the best way to help tenants is to protect good small landlords!

The reality is it’s time for the province of Ontario to pick up it’s game and take some responsibility!

Instead of a deluge of selfies the corporate landlords are making (who pay a fortune for lobbyists and have their staff follow a minister around carrying his umbrella in the rain, opening doors for him and giving him a hug and bringing in lunch when needed) we need real effective change to help both tenants and landlords.

OLA members are shocked that the solution to help tenants is to say “don’t pay rent…because you can’t be evicted”.  Many of us will remember this well in the next election.

OLA MEMBERS SPEAK OUT

-We need to quickly work for win-win solutions to help both good tenants and good landlords.

-We need to get the Landlord and Tenant Board Working (and working fast) and Tenants also to be protected by new government programs such as loans and grants to pay their legal rent.

-The current plan of “no evictions” is beyond foolish and will dramatically harm the Ontario rental industry and lead to anarchy and chaos. 

We need real leadership, not pandering to the worst instincts of tenant voters. 

LTB Is Closed! = TENANTS DO NOT HAVE TO PAY RENT

Sunday, March 15th, 2020

The Only Way Landlords Can Evict You Is With An Order From the Landlord and Tenant Board (LTB). Now The LTB Is Closed So Landlords are 100% Powerless! You Don’t Need To Pay Rent!

The Wuhan Virus started by some strange reason.

Some people say it started by some Chinese people eating live bats for dinner along with other live animals and creating a contamination that spread.  Others say it is a bio-weapon started by Trump and the United States government to create trouble for China and all non-white people in the world.

However it started, it is real and causing a global pandemic and people are dying.

And Tenants are vulnerable and need to do what it takes for us to survive!

Halt Of Evictions

This has led for some to call for a halt  of evictions.

For example, the amazing Kristin Wong-Tam is saying the government should give all tenants an ‘eviction break’ because we are can’t work and can’t make money to pay the greedy landlords their pound of our flesh.

Housing is a human right and all people should get free housing, so in these dangerous times landlords should eat the costs (and just dig into their deep pockets) and be unable to collect rent or evict tenants all over Ontario. Evictions need to be stopped!

The Problem With Government “Solutions”

We love amazing leaders such as Wong-Tam but often their hands are tied.

The biggest problem is any government solutions are very slow to make an impact while Tenants need fast action and fast solutions!

Also as we can with some other tenant groups that get gov’t funding, they are understandably afraid to tell the real raw truth.

Why? Because they risk losing funding with such a fascist, pro-landlord government like we are stuck with until we kick them out in two years.

Real Life Tenant Survival Strategies

Because of how fast as easy this virus spreads, the pro-landlord anti-tenant Ford PC government has shut down all the social tribunals in the province. This includes the LTB.

The Landlord And Tenant Board (LTB) is Closed

The only way an Ontario landlord can legally evict you is with an order from the Landlord and Tenant Board (LTB)….But the LTB IS CLOSED!

Apply with us to kick out your vulnerable tenant so you can raise rents. We are on landlords side.

But now……….

 

Landlords Looking To Evict Will Find They Can’t Do It!

Usually landlords just get their high paid, expensive legal representatives to file the paperwork.

Then the high paid reps take it to the LTB and use the landlord-friendly system to kick tenants out (along with mocking them and humiliating them for being just ‘renters’ while they are ‘lords’.)

Landlords Are Stuck! Their Cries For Help Go Unheard!

There is nothing they can do! They are stuck…they are trapped! They have no mechanism to evict Tenants!

And this is a good thing.

This means that smart tenants will now stop paying rent and use that money to buy food and medicine to protect ourselves and our families!

Already landlords are using their huge reserves of our rent money to buy all the toilet paper and other key products to make sure they live…while leaving Tenants to die!

Tenants Cannot Be Evicted As the LTB Is Closed

Only idiots will pay rent on April 1st or May 1st.  Use this money to protect yourself.

Ignore any landlord paperwork sent to you (N4, N5, etc.) as it’s a BLUFF and MEANINGLESS!

Landlords must file with the LTB…which now doesn’t exist and won’t for at least two months and maybe many many more.

Protect You And Your Family By Not Paying Rent

Tenants are the must vulnerable people. We must do whatever it takes to SURVIVE.

You do not need to rent for at least 2 months…spend that money on buying food, toilet paper, water, etc.

This Could Go On for 6 Months Or Even A Year

Keep informed because now you do NOT HAVE TO PAY RENT.

Protect you and your family and make sure you survive!

This blog was promised to us to be ‘our blog’ with no censorship.  So come back and read here regularly!

Landlord Tenant Board In-Person Hearings Suspended

Saturday, March 14th, 2020

Important News For Landlords: In-Person Hearings Are Cancelled. What About Landlords Who Are Owed Rent Or Need To Evict A Bad Tenant?

According to provincial government, as the COVID-19 situation continues to evolve, Tribunals Ontario is taking action to safeguard the health and well-being of front-line workers and Ontarians, while continuing to ensure access to justice.

Effective today (March 13, 2020), Tribunals Ontario is implementing a new policy to postpone in-person hearings and reschedule to a later date. Where feasible, alternative hearing options such as written and telephone hearings will be considered to minimize disruption to hearings across the organization. In addition, all front-line counter services will be closed as of Monday March 16 until further notice.

Tribunals Ontario will continue to provide accommodation for people who have needs related to any of the grounds listed in the Human Rights Code.

Impacted individuals with upcoming hearing dates will be notified by staff via email to make the necessary arrangements. Parties should contact their tribunal or board for more information on the new policy.

In addition, we are requesting Ontarians to not attend to any tribunal or board location in-person if they have been advised by Public Health, their doctor or the Ministry of Health website to self-isolate due to possible exposure to the coronavirus (COVID-19).

Tribunals Ontario is monitoring COVID-19 developments and will update our policy based on advice from the Ministry of Health, Chief Medical Officer of Health and public health officials to protect Ontarians.

For more information contact the Ontario Landlord and Tenant Board.