Posts Tagged ‘Landlord & Tenant Board’

Ontario Landlords Association Partnership With The Toronto Rent Bank To Help Good Tenants And Great Landlords In 2020

Wednesday, January 1st, 2020

Ontario Landlords Association Is All About Helping Good Landlords, Good Tenants & Improving The Ontario Rental Industry – Spread The News About This Helpful Program For Tenants and Landlords

Small landlords are different than large corporate landlords in many ways.  In fact, we’ve told the Ministry of Housing that we should have different rules for small landlords versus large corporate landlords.

Many small residential landlords were once tenants ourselves. Whether it was while we were studying in college or university, when we moved out to find our first job, or when we started families and were saving up for a deposit to buy our own homes.

As people who rented ourselves, we know what tenants are looking for in finding a good rental home and a great landlord. We also know how “life happens” and no matter who you are circumstances can come up leading to job losses, illnesses, family struggles and not being able to pay rent.

Ontario Landlords Association Partners With Neighbourhood Informational Post (NIP) And Promotes The Toronto Rent Bank

The Ontario Landlords Association is happy to partner with NIP.  NIP is a non-for-profit organization funded by the government to support and help develop the local community, and  hold multiple programs that supports the individuals and households with low income.

Toronto Rent Bank

One of the programs offered by NIP is the Toronto Rent Bank.

Toronto Rent Bank is an interest free loan that helps individuals and or household with low income to pay their rent and avoid eviction due to short-term financial difficulties.

NIP found that the demand for this program is raising over the years, however, the application we receive has been decreasing.

They assume this to be related to the limited number of people they are currently exposed to, therefore they want to seek if related organizations are willing to support them and expand this service to support more people.

More About NIP And the Toronto Rent Bank

In 1969, a group of community residents founded Neighbourhood Information Post because they wanted to ensure that low-income individuals and households had access to information and resources, so that they could be empowered to improve the quality of their own lives.

Four decades later, from helping local community members and newcomers access resources, supporting the development of community leaders and volunteers, to providing financial assistance and housing support to people throughout the City of Toronto, NIP remains a vital agency in the eastern downtown core in Toronto.

TORONTO RENT BANK PROGRAM

The Toronto Rent Bank Program provides interest-free repayable loans to low-income households facing eviction due to short-term financial difficulties.  It is a successful collaboration between Neighbourhood Information Post (NIP) and our partner agencies:  Albion Neighbourhood ServicesCOSTI North York Housing HelpEast York Housing Help, The Housing Help Centre, The Neighbourhood Organization, Unison Health and Community Services.

NIP acts as the Central Administrative agency as well as a local service access centre in this city-wide homelessness prevention program.  NIP is responsible for processing all Rent Bank loans and repayments in Toronto, as well as providing local residents in the Downtown area with Rent Bank intake functions and a variety of housing-related services.

Tenants may be eligible if:

  • you are living in Toronto with legal status in Canada

  • you have steady and ongoing source of income (within low-income guidelines)

  • you currently receive income through social assistance (OW / ODSP) or OSAP plus additional income; special rules apply* (*Please contact your local office for more information)

  • your rental unit is covered by provincial tenant legislation (RTA) and you are paying market rent

  • you can provide documentation required by the Rent Bank application process and satisfy all other program requirements

Landlords Can Benefit From This Program Too!

No small landlord wants to evict a good tenant who is having temporary financial troubles.  The problem is most small landlords are also struggling!

We need rent or we can’t cover our mortgage and won’t be able to continue to be a landlord. We aren’t huge corporate landlords with economies of scale and private legal teams.

Landlords can let our tenants know about the Rent Bank Program and help them succeed to help you succeed.

TORONTO RENT BANK CENTRAL OFFICE

Contact Information: 416-924-2543 or torontorentbank@nipost.org

YOU *DO NOT* HAVE TO PAY RENT ON THE 1st IN ONTARIO (You Have A 2 Week Legal Cushion, And Months More)

Sunday, December 8th, 2019

In These Difficult Economic Times With Precarious Employment and Lay Offs Many Good Tenants Can’t Pay the Rent On Time…But You Can’t Be Kicked Out!

“No baby, we won’t be homeless as Mummy looks for a new job”

We live in difficult times.  Good landlords are aware of this and will support this post as it’s just an informative way your tenants can keep renting your over-priced property and making you rich for doing no real labour.

Landlords need to remember that while you do no work to take our money, tenants must struggle and work every day to try to feed our families and pay you your pound of flesh.

The Toronto Star recently had an article about being evicted and what tenants can do.  The advice was good but very limited as most mainstream media is these days.

This Is A War Against Tenants And the Working Class

The reality is workers are being laid off or even fired in place of third world factories with no human rights.

Even in Toronto many workers are given a low severance and an evil “good bye” as companies seek cheaper labour as they outsource.

Tenants are victims of the “gig economy” unlike Baby Boomers and Generation X who had it so easy in an era of low costs and high wages and even idiots and high school drop outs could get high paying jobs.

They put their businesses in places where workers are treated like slaves. Workers are whipped, chained, raped and beaten…all to make sure that new iPhone gets built for a low cost.

Landlords have a social responsibility

Good Landlords Will Understand Late or None Payment of Rent And Agree For Delays

Tenants are struggling. 

Smart landlords will have some empathy and understand if you can’t pay rent on time. They will give you a break and let you have a month or two of late rent, or even free rent for a few months.

Why Will They Give You A Break? 

Because the costs and risks of renting to new tenants is huge.  They might get a game player who never pay. Or get a nasty tenant who will damage their unit or upset others (including other condo owners). They should give you a break…but….

Landlords hate Tenants who know the rules!

If You Don’t Pay On The First Will You Be Kicked Out?

No!

There is a legal process landlords must follow.

If you don’t pay rent you will have months of rent free living and the opportunity to pay (and stay in your home) after many, many months!

I Didn’t Know That! What Is the Process? 

Landlords will file what is called an N4 to tell you to pay rent.  This give you 14 days to pay, but even if you don’t pay it’s okay!

The N4 is pure intimidation, you don’t have to move! LLs use this paper work to intimidate & threaten.

So If I Don’t Pay I Will Get Kicked Out?

No. 

Not at all, you are protected. You don’t have to pay for 14 days…and if you don’t pay in 14 days the landlord has to “apply” for a “Hearing Date” which can take 6 months or more (and you can pay right up to the date you will be evicted).  So you have months to pay the rent.

So What Happens If I Don’t Pay On The First Of The Month?

The N4 gives you two weeks to pay. You don’t have to pay the rent on the 1st of the month!

The landlord needs to then apply for a “court date” at the Landlord and Tenant Board.

These dates are between 6 to 18 months. That means you have a breather for a long time! 

In These Crazy Economic Times You Deserve a Break At Your Landlords Profits Expense!

Nothing can happen until you go to “court” at the Landlord and Tenant Board.

What Happens In The Period of Not Paying And the Hearing Date?

Nothing. 

You don’t have to pay a cent. And your landlord can’t harass you. 

If they do you can call the government Bad Landlord Police and get the landlord fined and even criminally charged!

You can also call the police.

So I Can Not Pay For Many Months and Still Stay In My Rental?

Yes. 

It’s not “your rental” it’s “your home”. 

The landlord will have to wait for months to get a “court date” at the Landlord and Tenant Board (LTB).

What If I Want To Stay, Should I Pay All Rent Before the LTB Hearing?

No. Don’t be foolish.  This is a “business negotiation”.

Go to the Hearing. You are the victim and your landlord is getting rich thanks to your suffering and poverty!  LTB judges know this!

The LTB has a room where tenants and landlords can “work things out” called mediation.

You can agree to pay the rent owed, but why not negotiate?  Say you will pay 20% to avoid a “trial” at the LTB. 

Many landlords will be happy to get the money and avoid the stress of going in front of an LTB adjudicator and potentially getting nothing.

Landlords are scared of trials where they will be held accountable for their crimes against humanity. Google “Nuremberg trials“.

How Can I Prepare For the LTB Hearing?

The best defense is a good offense.

Let’s walk you through this….Take a look around your home.

Do you see any maintenance issues?

Remember: no house is perfect so for sure you can find something.  Mold, stairs not up to code, fridge is not super cold, etc, etc. etc.  You can use this as a weapon!

Do I Have To Tell My Landlord About These Problems Before the Trial?

NO!

Don’t tell them. 

Bring them up at the LTB hearing and SHOCK your landlord.

This will immediately lead the adjudicator to cancel your hearing and book another one so the landlord can fix the things you brought up (hint: bring up a lot of stuff!)

You get another 3 – 6 months of rent free living. You need this help you SURVIVE in this crazy property owner controlled brutal capitalist world!

Landlords call this “trial by ambush” but it’s just part of the legal system to protect good tenants. And it will give you months of more free rent.

This is the best way for poor working class tenants to fight their rich “villa in Paris” or “apartments in China or Iran”.

More Help For Tenants

Remember you can get free legal help (and your landlord doesn’t and has to pay thousands).

Yes, it’s free!  And it will lead your landlord to have to pay for legal representation and while you get if free they will be charged $250 to $400+ per hour! 

You can bleed your landlord dry as they can’t afford these rates.  You pay nothing and they have to pay $300/hour and you can bankrupt them, as many tenants have done (not reported but we all know the score).

So I Don’t Need To Pay For Months And Can Still Live In My Rental Home?

Yes. 

The whole process will take at least 6 to 8+ months (you can live rent free). 

You Can Also Appeal

After 6-8 months to a year of living rent free, and using this money to pay for university and better food for your kids you still have option.  You can pay and stay or you can just leave.

Stay Strong! Don’t Be Intimidated! Learn How ‘The System’ Works To Protect Your Family!

Tenants Waking Up And Fighting For Our Rights

If you can’t pay rent don’t be intimidated. You have a system that protects you and you can even not pay and stay in your home for months (or years if you are smart).

OLA Member’s Petition Read to the Legislative Assembly of Ontario

Saturday, April 16th, 2011

April, 2011

April 2011

An OLA member made sure her concerns about charging landlords $170 per application (while tenants pay from nothing to $45) were heard! (more…)

The Ontario Landlord Association Invited by the Ministry of Housing to Discuss Changes to the Residential Tenancy Act and the Landlord and Tenant Board!

Wednesday, February 16th, 2011

February 1, 2011

The OLA represents small scale landlords in Ontario!

If you could change 3 things about the current laws for Ontario Landlords…

Saturday, February 12th, 2011

The Ontario Landlords Association for small business landlords has received a request to create a list (with follow-up explanations) of what changes should be made to the Residential Tenancy Act and to the Landlord  Tenant Board.

Here’s a chance to get your views to those who make the decisions. Please keep it to 3 main points, and if you can add an explanation or personal experience regarding the matter, please do so.

Please post in the HELP FORUM and get YOUR VIEWS HEARD!!