Archive for the ‘Landlord and Tenant News’ Category

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

Monday, June 1st, 2020

 

My Landlord Cooperated With Me 

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

(3) June 1 Top 10 Questions YOUR LANDLORD CAN’T ASK (AND YOU DON’T HAVE TO ANSWER!)

Monday, June 1st, 2020

PART 1: QUESTIONS YOU DON’T NEED TO ASK OR ANSWER

With vacancy rates so low in Toronto and across Ontario many tenant applicants are afraid to ask their potential landlords important questions.

Not Being Careful When Choosing A Landlord Can Lead To Problems Later On

While it seems at first something you don’t really need to do, not screening your potential landlord can lead to huge problems down the road.

And these huge problems will occur when you not only least expect them, but when you don’t need need extra stress in your life.

For example, the landlord problems often happen when you have exams, or have important work meetings, or have important relationships visiting you or moving it.

Don’t Listen To The USA Sites!

Many American sites will tell you to ask for things that are already covered under the Ontario Residential Tenancies Act (meaning the landlord is powerless and must follow the law!)

For example, some American sites will say you need to ask your Landlord the following

-What is your screening policy? Nope!

This is meaningless because Ontario landlords must follow the rules for screening tenants according the Ontario Human Rights Commission.

If they don’t follow these rules you can take them to the Human Rights Commission and get a huge penalty against them.

The rules in Ontario include:

Housing is a human right

International law says that people in Canada should be able to get good housing that they can afford. To help achieve this in Ontario, tenants and landlords (or housing providers) have rights and responsibilities under the Human Rights Code.

As a tenant, you have the right to equal treatment in housing without discrimination and harassment.

You cannot be refused an apartment, harassed by a housing provider or other tenants, or otherwise treated unfairly because of your:

  • race, colour or ethnic background
  • religious beliefs or practices
  • ancestry, including people of Aboriginal descent
  • place of origin
  • citizenship, including refugee status
  • sex (including pregnancy and gender identity)
  • family status
  • marital status, including people with a same-sex partner
  • disability
  • sexual orientation
  • age, including people who are 16 or 17 years old and no longer living with their parents
  • receipt of public assistance.

You are also protected if you face discrimination because you are a friend or relative of someone identified above.

-What is your pet policy? Nope!

In Ontario it is illegal to not allow a tenant to have pets. You can even lie to a corrupt, rule breaking landlord and say you don’t have pets, move in, and then bring in your pets and there is nothing your landlord can do!

-What is your guest policy? Nope!

In Ontario tenants can have guests and it’s none of the landlords damn business.

-What is the lease renewal policy? Nope!

This is meaningless because in Ontario a lease automatically goes to “month by month” at the end of a fixed term lease.  A landlord can’t kick you out when your lease ends.

-Who responsible for repairs? Nope!

In Ontario this is meaningless because the landlord is responsible for all repairs.

-How much notice does the landlord have to give to the tenant? Nope!

This is also all covered in the Residential Tenancies Act. A landlord must give at least 24 hours written notice to the tenant and served to the tenant in a legally acceptable way.

-Do you allow early terminations? If so what are the fees? Nope!

If you want to move it’s easy in Ontario and already legally covered. You can assign or sublet your apartment.

An even easier way is to just learn how Ontario tenants can legally break a fixed term lease.

-Can you clarify how much is the damage/security deposit? Nope!

In Ontario any money other than “first and last” is ILLEGAL.  If the landlords demand it you can pay it, then move in, and take your landlord to the Landlord and Tenant Board (LTB) and get all the money back!

-Do you want to know what is my citizenship or refugee status? Nope!

This is illegal in Ontario.

-Do you want to know what is your source of income? Nope!

This is illegal in Ontario

Tenants Don’t Need To Ask Or Answer These Questions

The rental industry is highly regulated in Ontario. Many of your concerns are already protected under LAW and there are severe penalties you can apply to your potential landlord if they break them.

How Can I File A Human Rights Complaint Against An Illegal Landlord?

Yes, and it’s easy.

And many expert tenants say it’s very easy for tenants to win at the OHRC. Go for it!

If you need human rights legal advice or help filing an application with the Human Rights Tribunal of Ontario, contact the Ontario Human Rights Legal Support Centre at: 416-597-4900 or 1-866-625-5179 and speak with a Human Rights Advisor.

To file an application directly with the Human Rights Tribunal of Ontario, visit their website and follow the instructions for How to file an application.

We (The Ontario Human Rights Commission) have many progressive human rights policies that may support your application before the Human Rights Tribunal. If you want the Tribunal to consider our policy position, you have to let them know.

ODSP Recipient Tenants Struggling To Survive Pandemic

Thursday, May 21st, 2020

OLA Member Small Landlords Working Together With Our Tenants In These Challenging Times

Many people mistakenly think all tenants receive CERB (Canada Emergency Response Benefit) equaling $2000.00 per month. This leads some landlords to create their payment plans based on this.

Recently there was an important report on Citynews called “ODSP recipients struggling to survive pandemic”. This has helped us educate landlords and created a flurry of discussion amongst our members.

-According to the report, tenants on ODSP get less than $1200.00 per month.

-Also, ODSP recipients are not eligible for the CERB ($2000.00/mo) and can be punished with claw-back of benefits if they apply.

-People are being left destitute with less than $50/week to feed themselves.

Let’s Get The Message Out

For over a decade the Ontario Landlords Association has always been about good landlords working together with good tenants for a win-win situation (or survival-survival situations during these challenging times). 

Our members are working class people. These include carpenters, nurses, teachers, entrepreneurs, health care workers, police officers, fire-fighters, plumbers, seniors and others. We have invested to try to create some monthly cash-flow and prepare for their retirement.

Our members don’t live in mansions (and many of our members rent out their basements).

1. Landlords Make Sure You Are Aware Of The Real Challenges Your Tenants Face

Many of our members rent to ODSP recipients. Make sure you are aware of the financial reality your tenants face.

Talk with your tenants, work things out, understand each others concerns.  Create a realistic payment or deferral plan based on real data.

2. The Provincial Government Needs To Help Tenants On ODSP 

The provincial government needs to step up and help out ODSP recipients pay rent.

The Premier and the Minister Of Housing are aware of the challenges small residential landlords and tenants face and already reached out to the federal government (which refused to help).

With rising food and medical costs, tenants on ODSP need help from the province.

Landlords are helping but many small landlords need rent to survive and are struggling as well.

We don’t want to evict anyone (it’s the last resort) and many of us have strong, friendly relationships with our tenants.

We don’t hire property managers or lawyers to intimidate tenants. What we do is call and chat and try to work things out.

3. It’s time for an emergency “rent grant” to all tenants on ODSP or OW from the province

Small landlords aren’t rich and we have limits. We need the province to setp up to the plate.

The logistics of this will not be difficult. The province of British Columbia is already helping all tenants by paying landlords up to $500 per month to help cover tenant rent.

Let’s Stop Evictions…Here’s The Solution

Recipients on ODSP or OW can access a “rent grant” that will cover their rent for the next 6 months (which will be renewed if we are still in lock-down)

This payment will be sent to the landlord directly and the landlord will agree not to file for eviction.

Boom goes the dynamite – most evictions will be cancelled!

4. Let’s Extend This To All Residential Tenants in Ontario

-Want to avoid landlord-tenant conflict?

-Want to make sure their is no tsunami of evictions when the Landlord and Tenant Board eventually opens?

The province can easily step in and help tenants. If the government helps commercial landlords and tenants, why not help residential landlords and tenants?

The Province Needs To Help Tenants And Stop Putting The Financial Burden On Struggling Small Landlords Creating Unnecessary Conflict With Our Tenants

Airlines are getting a bail-out. Commercial landlords are getting a bail out.

What about tenants?

We need government to play a role and stop pitting landlords vs. tenants.

If this is too expensive, make the “Rent Grant” available to only tenants who are on ODSP, OW, rent from small landlords. 

We think this rent grant should go to all tenants but if there are true budget constraints at least help out tenants on ODSP, OW, and tenants who rent from small landlords.

This will make corporate lobbyists angry. But those billion dollar REITS aren’t worried about being able to pay their property taxes in June like many small landlords are.

And while these corporate landlords can spend a lot of money to politicians, they are not the same as hundreds of thousands of voters who thought they were getting a pro-business leadership.

THIS CAN HAPPEN: No Evictions, Small Landlords Secure, Tenants Secure, And We Are A Team During This Pandemic…It’s Easy To Do!

Ontario can lead  the way and be a role-model for the rest of Canada.

If millions of dollars can be invested on widening highways, money can surely be spent on saving the residential rental industry in Ontario.

…and saving hundreds of thousands of working class landlords and tenants from stress, conflict, trial dates, evictions…and worse.

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.

Don’t Pay Rent For 1 Or 2 Years…And How You Can Avoid Being Evicted Later On!

Friday, May 1st, 2020

Disclaimer: “This isn’t an attack on landlords. This is an attack on the system that got us here.”

Don’t Pay Rent And How You Can Avoid Future Eviction!

We hear so many media stories of why working class tenants who are suffering in this deadly pandemic “must” pay rent.

We hear paying rent instead of saving money for food and emergencies is “the right thing to do”.  It’s a morality test.

And while we are laid off from work and worried about our future we should “care about the landlords who need to pay their mortgage more than our not dying!”

It’s really makes me gag and want to throw up.

Landlord – Tenant Matters Are A Business Negotiation Of Equals

Landlords are running a business, yet they expect pay from their client (their Tenant) to instantly appear like the 11th Commandment is “You Must Pay Rent and Enrich Your Landlord.”

The federal and provincial governments have made it clear Tenants should not make paying rent a priority.

In Ontario the Landlord and Tenant Board is closed so if you don’t pay rent there is ABSOLUTELY NOTHING YOUR LANDLORD CAN LEGALLY DO.

So I Don’t Have To Pay May Rent and It’s Okay?

Yes!  It’s not only okay, it’s the right thing to do. Even Premier Ford said this and with the Landlord and Tenant Board closed you cannot be evicted for any reason! You can enjoy life and survive in this challenging era.

My sucker Tenant agreed to move out, now I can raise the rent 100%! HAHAHAHAHAHAHAHAHAHA

Landlord Tricks – LL Is Offering Me 3 Months Of Rent If I Sign An N11 And Move

We hear so many media stories of why working class tenants who are suffering in this deadly pandemic “must” pay rent.

Here is a common dirty tactic.  Don’t sign the N11. If you move where will you find another apartment at similar rents?  And if you move you will need to pay “first and last” but if you stay in your current apartment you don’t need to pay rent for months!

Tenants Cannot Be Evicted

You do not need to pay rent. Premier Doug Ford said that. So don’t be an idiot and pay rent on May 1st.  As Doug Ford said, use that money for more important things.

Tenants Cannot Be Evicted And What This Means

Use this opportunity to protect yourself and use your money not on paying rent to parasitic landlords.

Don’t feel sorry for your landlord because they cry for help but have multiple properties and just want to make even more profits off our backs in this horrible economy.

How Long Can I Not Pay Rent?

For now it’s at least April but we predict it will me much longer.  Perhaps six months, or a year or even longer. We might even be able to be rent free for 18-36 months! Yes, that’s 3 years of savings for food and education.

What If My Landlord Tells Me To “Pay Up Or Leave?”

That’s illegal.  You can call the police.  The only legal way to evict a Tenant is via the Landlord and Tenant Board (LTB) and that isn’t working.

If you feel threatened CALL THE POLICE ASAP!  The boys in blue are very sympathetic to Tenant victims and will help you and even get your landlord criminal charged.

So What Happens When The LTB Gets Open Again?

Even before this crisis landlords had to wait 6-10 months to get a Hearing.  With the huge backlog it will be at least a year to get any type of Hearing when the virus pandemic ends.

So That Means I Don’t Have To Pay Rent For 1+ Years?

Yes, and this a good thing. Your landlord is already rich and you need to worry about YOU and YOUR FAMILY.

Your landlord is probably living their million dollar bunker anyway.

If I Owe Year Or More Of Rent And Don’t Pay What Happens?

Don’t worry. 

The Board can cancel all your rent debt if YOU HAVE A GOOD STORY SHOWING YOU TRIED BUT NEEDED TO PAY FOR FOOD OVER RENT.

-GET CONCRETE (written, video recording) EVIDENCE  YOU TRIED TO WORK WITH YOUR LANDLORD AND YOUR DEBTS WILL BE VANISHED BY THE LANDLORD AND TENANT BOARD

-IT’S EVEN BETTER IF YOU PAY A LITTLE BIT, AS THEY CAN HELP YOUR CASE…”SEE I PAID WHAT I COULD YOUR HONOUR!”

IF YOU EXPLAIN YOU DIDN’T PAY (OR DIDN’T PAY FULL RENT) WAS DUE TO THE COVID-19 CRISIS…YOU WILL GET THE OPPORTUNITY TO BE ON A “PAYMENT PLAN” INSTEAD OF EVICTION. EXPLAIN YOUR SUPER CHALLENGING ECONOMIC SITUATION AND YOU CAN END UP JUST PAYING $50 MORE A MONTH AND STAY IN YOUR HOME. REMEMBER TO SHOW PROOF OF YOUR BANK ACCOUNT, BILLS, TUITION, ETC.

Collecting debts in Canada is very difficult.  The only real trick landlords have is to garnish wages.  So never tell them where you work.

But if  they won $30,000 -$100,000 you can also just declare bankruptcy and the landlord will NEVER COLLECT YOUR BLOOD SWEAT AND TEARS SAVINGS.

Lesson: By Not Paying Now You Are Saving Thousands Of Dollars.

Help Fellow Tenants By Not Paying Rent On May First.

Let’s make this go viral.