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Covid tenant issues.

2

Comments

  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    stinkbomb wrote: »
    You might want a short term let and then some unexpected thing could happen, you know like a global pandemic that changed life as we know it for many people? Do you find it so hard to imagine that someones plans to move out changed, and they had no choice but to stay (which they were legally fine to do so)?

    Global epidemic increased the supply of rentals and holiday homes. So saying couldn't find anything else doesn''t add up. Not that it matters, they are not obliged to give a reason.. The LL is, the tenant isn't.

    Forget short term lets. They simply no longer exist.

    I'll ask the question again. Based on the current legislation and information we have in this thread. When can the LL get the property back legally. If they can't use need it back as a reason.


  • Registered Users Posts: 264 ✭✭stinkbomb


    Dav010 wrote: »
    The LL should have known, but no doubt he/she thought they were dealing with an honourable person who would leave at the agreed time. Lesson learned, I doubt he/she will let their house again.

    We know that the tenant knew it was a letting for 9 months only, the tenant is relying on legal entitlement rather than the terms they agreed with the owner.

    Honourable person? Get over yourself. If they lost their job they wouldn't be able to get a new rental, should they make themselves intentionally homeless so that clueless landlord doesn't miss his holiday?


  • Registered Users, Registered Users 2 Posts: 6,295 ✭✭✭Claw Hammer


    beauf wrote: »
    Global epidemic increased the supply of rentals and holiday homes. So saying couldn't find anything else doesn''t add up. Not that it matters, they are not obliged to give a reason.. The LL is, the tenant isn't.

    Forget short term lets. They simply no longer exist.

    I'll ask the question again. Based on the current legislation and information we have in this thread. When can the LL get the property back legally. If they can't use need it back as a reason.

    The landlord has to say they want it for their own use and for how long. If it becomes available after they have finished using it and less than 6 months has elapsed since the tenant vacated, they have to offer the premises back to the same tenant again. I doubt if the scenario outlined in the newspaper is from a real-life situation. Most likely it has been published to draw attention to a potential problem.


  • Registered Users Posts: 264 ✭✭stinkbomb


    beauf wrote: »
    Global epidemic increased the supply of rentals and holiday homes. So saying couldn't find anything else doesn''t add up. Not that it matters, they are not obliged to give a reason.. The LL is, the tenant isn't.

    Global pandemic means lots of lost jobs. Lost job means no new rental, it doesn't matter if there are more of them if you can't secure one.
    Do try to look at things from more than one very basic angle.


  • Posts: 0 [Deleted User]


    beauf wrote: »
    Global epidemic increased the supply of rentals and holiday homes. So saying couldn't find anything else doesn''t add up. Not that it matters, they are not obliged to give a reason.. The LL is, the tenant isn't.

    Forget short term lets. They simply no longer exist.

    I'll ask the question again. Based on the current legislation and information we have in this thread. When can the LL get the property back legally. If they can't use need it back as a reason.

    In reality, if they continue to pay rent, sometime in late 2025, early 2926, unless they decide to sell or do a major refurbishment.


  • Registered Users, Registered Users 2 Posts: 6,295 ✭✭✭Claw Hammer


    beauf wrote: »
    I'll ask the question again. Based on the current legislation and information we have in this thread. When can the LL get the property back legally. If they can't use need it back as a reason.

    How long is a piece of string? How determined is the tenant to hang on and use the legal system to its maximum? If the tenant got very awkward it could take several years. Adjudication at the RTB, appeal to the Tribunal, appeal on a point of law to the High Court, resisted enforcement in the District Court, appeal that to the Circuit Court possibly a judicial review of the District Court for the Circuit Court thrown in, with appeals to the Court of Appeal for good measure.


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    stinkbomb wrote: »
    Global pandemic means lots of lost jobs. Lost job means no new rental, it doesn't matter if there are more of them if you can't secure one.
    Do try to look at things from more than one very basic angle.

    No mention of lost jobs.

    Based the facts given. The only reason given is unable to "Find" anything else. Which seems unlikely.

    You're only looking at this from a narrow view point. It has wider repercussions across the entire market.

    Like in Berlin RPZ fixed one problem but causes a load of other ones. Arguably worse.


  • Posts: 0 [Deleted User]


    beauf wrote: »
    No mention of lost jobs.

    Based the facts given. The only reason given is unable to "Find" anything else. Which seems unlikely.

    Where is the house?


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Dav010 wrote: »
    In reality, if they continue to pay rent, sometime in late 2025, early 2026, unless they decide to sell or do a major refurbishment.

    2026 I assume you meant.

    Exactly. They could argue they have to renew the tenancy unless they have a "valid" reason to get it back. Holiday home not being enough of a reason.

    They were talking about removing the ability of a landlord to end a tenancy for any reason. Maybe it's already here.

    Interesting to see what effect this has on supply.


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  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Dav010 wrote: »
    Where is the house?

    Does it matter? Half the country went on staycation all over the country once restrictions lifted. They didn't seem to have a problem finding places. But that's not the issue.

    What's interesting is the wider repercussions.


  • Posts: 0 [Deleted User]


    beauf wrote: »
    Does it matter? Half the country went on staycation all over the country once restrictions lifted. They didn't seem to have a problem finding places. But that's not the issue.

    What's interesting is the wider repercussions.

    I think it does matter. By all accounts rental properties are plentiful in Dublin, less so in other parts of the country. Without knowing where the house is located, it would be wrong to assume the tenants have loads of choice for alternative accommodation.

    The repercussion here is that the LL now knows the relevant tenancy law, is likely to have a frustrating time while getting there holiday home back, and will not make the same mistake again. To be honest, I have little sympathy for the owner, they rented a property for longer than the period necessary for the tenant to obtain Part 4 rights, and the tenant is exercising their rights. Yes, you could say they are acting in bad faith, but they are not breaking any laws.


  • Registered Users, Registered Users 2 Posts: 23,654 ✭✭✭✭ted1


    stinkbomb wrote: »
    The RTB are never going to accept that it is "needed for family use" when its for use as a holiday home. That is not a need. It's not comparable to living in it to go to college, at all.

    Nobody "needs" a holiday home, when they already have a home. You don't get to turf a tenant out of their legal home so you can go on holiday.

    Absolutely they will.

    The term used is “ The landlord requires the property for personal or family use”
    No where does it differentiate between need or want and no where does it put a limit on duration, only that the tenant must be offered it again


  • Posts: 0 [Deleted User]


    ted1 wrote: »
    Absolutely they will.

    The term used is “ The landlord requires the property for personal or family use”
    No where does it differentiate between need or want and no where does it put a limit on duration, only that the tenant must be offered it again

    Has there been an RTB adjudication about something like this? I certainly would be interested to see one where a solicitor signed a statutory declaration saying his client needed their holiday home back for 3 months “holiday”.


  • Registered Users, Registered Users 2 Posts: 3,472 ✭✭✭Grolschevik


    Or, to follow to a conclusion, to come up to the Shmoke to see a week's worth of Garth Brooks concerts...


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Dav010 wrote: »
    I think it does matter. By all accounts rental properties are plentiful in Dublin, less so in other parts of the country. Without knowing where the house is located, it would be wrong to assume the tenants have loads of choice for alternative accommodation.

    The repercussion here is that the LL now knows the relevant tenancy law, is likely to have a frustrating time while getting there holiday home back, and will not make the same mistake again. To be honest, I have little sympathy for the owner, they rented a property for longer than the period necessary for the tenant to obtain Part 4 rights, and the tenant is exercising their rights. Yes, you could say they are acting in bad faith, but they are not breaking any laws.

    Not many holiday homes in Dublin. Does really matter. Once a tenancy over the 6 months, it not really a holiday home. So by extensions all holiday home are just rentals. Just depends how long you rent them for, or overstay. Once you are in there for over 6 months, you are in there for 6 years. The country has holiday homes all over. Many are simply family homes, that are empty. Tourism has disappeared. Most of these have to be empty.

    Even all that doesn't matter. Doesn't even matter if this story is true. The repercussions for one LL are not significant. How it effects supply in general is a different story. We are in recession. If you are stuck with a holiday that you can't rent or use. You will sell it. Sell high buy low.


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  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    The LL should have seen which way the wind was blowing when they changed the regulations for the short term rental sector. That was the time to get out.


  • Posts: 0 [Deleted User]


    beauf wrote: »
    The LL should have seen which way the wind was blowing when they changed the regulations for the short term rental sector. That was the time to get out.

    The letter said it is a holiday home in a sea side development, there is a good chance it has planning for short lets. I can’t see the connection here between short term rental regs and the owner’s predicament.


  • Registered Users, Registered Users 2 Posts: 23,654 ✭✭✭✭ted1


    Dav010 wrote: »
    Has there been an RTB adjudication about something like this? I certainly would be interested to see one where a solicitor signed a statutory declaration saying his client needed their holiday home back for 3 months “holiday”.

    Required. Not needed. My wife and kids use our holiday home 3 months of the year. They absolutely require it. As is Demonstrated by a 9 month fixed let


  • Registered Users Posts: 25 Countryboy2018


    ted1 wrote: »
    Absolutely they will.

    The term used is “ The landlord requires the property for personal or family use”
    No where does it differentiate between need or want and no where does it put a limit on duration, only that the tenant must be offered it again

    This notice would definitely be deemed invalid if it comes to an RTB hearing,
    As this landlord ‘desires’ the property in this case and does not ‘need’ it.


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    or see how the wind is blowing
    to understand or realize how a situation is developing and use this in deciding what to do

    The idea of the legislation is to drive short lets into long term lettings. If you've turned your holiday home into a long term rental, the writing is on the wall for that as a holiday home.


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  • Registered Users, Registered Users 2 Posts: 23,654 ✭✭✭✭ted1


    This notice would definitely be deemed invalid if it comes to an RTB hearing,
    As this landlord ‘desires’ the property in this case and does not ‘need’ it.

    No he required it for his family


  • Posts: 0 [Deleted User]


    ted1 wrote: »
    Required. Not needed. My wife and kids use our holiday home 3 months of the year. They absolutely require it. As is Demonstrated by a 9 month fixed let

    You could be right, seems so simple, what could possibly go wrong. Do adjudicators ever question the validity of requirement?


  • Registered Users, Registered Users 2 Posts: 23,654 ✭✭✭✭ted1


    Dav010 wrote: »
    You could be right, seems so simple, what could possibly go wrong. Do adjudicators ever question the validity of requirement?

    As you are implying that they do , you should provide reference. Otherwise you’re spoofing

    Otherwise it states required and doesn’t specify a minimum term.

    If the family rock up to spiddal or similar for three Months they require somewhere to stay


  • Registered Users, Registered Users 2 Posts: 3,472 ✭✭✭Grolschevik


    ted1 wrote: »
    As you are implying that they do , you should provide reference. Otherwise you’re spoofing

    Otherwise it states required and doesn’t specify a minimum term.

    If the family rock up to spiddal or similar for three Months they require somewhere to stay

    What about three weeks?

    What about three days?


  • Posts: 0 [Deleted User]


    ted1 wrote: »
    As you are implying that they do , you should provide reference. Otherwise you’re spoofing

    Otherwise it states required and doesn’t specify a minimum term.

    If the family rock up to spiddal or similar for three Months they require somewhere to stay

    I’m not saying you are wrong, I’m just not sure there would be a reference to cover something like this, to be honest, this is the first time I have ever heard a poster say the LL require their property for a holiday.

    Considering how partisan the RTB seem to be, saying you are ending a tenancy because you “require” your house for a holiday seems, well, a bit too simple to be realistic. As another poster said, could the owner say I require to move in for a week, or a weekend if there is no defined duration of occupancy attached to “require”?

    It certainly would set an interesting precedent if the adjudicator ruled in the LLs favour, a lot of LLs would “require” their properties for holidays I suspect.


  • Registered Users, Registered Users 2 Posts: 4,025 ✭✭✭3DataModem


    ted1 wrote: »
    No he does not have a right as it’s needed for family use

    "Family use" does not apply here. Nobody is going to be using it as a main residence. For the family use clause in Part 4 to be used someone has to move in (and not leave after 3 months).


  • Registered Users Posts: 264 ✭✭stinkbomb


    beauf wrote: »
    No mention of lost jobs.

    Based the facts given. The only reason given is unable to "Find" anything else. Which seems unlikely.

    You're only looking at this from a narrow view point. It has wider repercussions across the entire market.

    Like in Berlin RPZ fixed one problem but causes a load of other ones. Arguably worse.


    Do you think the tenant either does or should care about the wider repercussions? Do you think they should make themselves and possibly their family homeless because of it?
    "Come on kids, lets go sleep in the car from now on because of the Berlin rental pressure zones and the landlords desire for a holiday! It's the right thing to do"

    I don't know what planet some people are on. This is not an abstract theory, this is a persons real life. They have the right not to be homeless , and they did nothing that the law didn't let them do.


  • Registered Users Posts: 25 Countryboy2018


    ted1 wrote: »
    No he required it for his family

    I am speaking from experience.

    The landlord ‘desires’ the property in this case and does not ‘require’ it.
    Even when a perfect notice of termination is given and with the statutory declaration, you would have to give the adjudicators in an RTB hearing a good valid reason, along with proof ,as to why you require the property for family use.
    In this case a holiday for 3 months stay would not be a valid reason.

    Unfortunately this is the way it is.


  • Registered Users, Registered Users 2 Posts: 26,280 ✭✭✭✭Eric Cartman


    an absolute sham of a rental market. We need to reform laws, after 9 months and 1 day the landlord should have been able to come in the door, change the locks and remove this grifter and their belongings immediately.

    Its no surprise landlords are leaving the markets in droves with so many grifters as tenants.


  • Closed Accounts Posts: 3,748 ✭✭✭ExMachina1000


    an absolute sham of a rental market. We need to reform laws, after 9 months and 1 day the landlord should have been able to come in the door, change the locks and remove this grifter and their belongings immediately.

    Its no surprise landlords are leaving the markets in droves with so many grifters as tenants.

    Is that not how it works?
    You sign a lease and move in.
    Once the lease expires you re sign or gather up your stuff and leave. The tenant doesn't own the property. Once the lease is up out they go.


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  • Registered Users Posts: 264 ✭✭stinkbomb


    Is that not how it works?
    You sign a lease and move in.
    Once the lease expires you re sign or gather up your stuff and leave. The tenant doesn't own the property. Once the lease is up out they go.

    Except, no, it isn't how it works. Tenants actually have rights, they don't exist simply to make a profit for landlords and then **** off again when convenient.


  • Registered Users Posts: 264 ✭✭stinkbomb


    an absolute sham of a rental market. We need to reform laws, after 9 months and 1 day the landlord should have been able to come in the door, change the locks and remove this grifter and their belongings immediately.

    Its no surprise landlords are leaving the markets in droves with so many grifters as tenants.

    Luckily, the law is not on your side, and civilised societies don't act in such an appalling way.


  • Closed Accounts Posts: 3,748 ✭✭✭ExMachina1000


    stinkbomb wrote: »
    Except, no, it isn't how it works. Tenants actually have rights, they don't exist simply to make a profit for landlords and then **** off again when convenient.

    I don't understand your point.

    What happens when the lease expires?


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    I don't understand your point.

    What happens when the lease expires?

    What lease?

    https://www.rtb.ie/ending-a-tenancy/how-a-landlord-can-end-a-tenancy/landlords-grounds-for-ending-a-tenancy

    "6. The use of the property is changing*"


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    stinkbomb wrote: »
    Do you think the tenant either does or should care about the wider repercussions? Do you think they should make themselves and possibly their family homeless because of it?
    "Come on kids, lets go sleep in the car from now on because of the Berlin rental pressure zones and the landlords desire for a holiday! It's the right thing to do"

    I don't know what planet some people are on. This is not an abstract theory, this is a persons real life. They have the right not to be homeless , and they did nothing that the law didn't let them do.

    Its a forum we can discuss any aspect we like. You want to only solely focus on the tenant. (ironically while complaining about others of only looking at one very basic angle).

    The tenant is in, there is no way of getting them out for 6 yrs and maybe not even then. There nothing more to say about the tenant. Someone else suggested this may not even be a true story more a hypothetical scenario to prompt a wider discussion. But if you want to expand on what may be an imaginary tenant. Go right ahead.


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Lesson here is if you have a vacant property, or holiday home etc. and may not be using at the moment, but might want to use it in the future, it would be unwise to rent it out for any period.
    Its very likely in the future they will remove any of the reason to end the tenancy that currently exist. Only the tenant will be able to terminate it. There was a lot of talk about that in recent years.
    We are very close to that now.


  • Closed Accounts Posts: 3,748 ✭✭✭ExMachina1000


    beauf wrote: »
    Lesson here is if you have a vacant property, or holiday home etc. and may not be using at the moment, but might want to use it in the future, it would be unwise to rent it out for any period.
    Its very likely in the future they will remove any of the reason to end the tenancy that currently exist. Only the tenant will be able to terminate it. There was a lot of talk about that in recent years.
    We are very close to that now.

    That is absolute madness. I was ignorant of the reality until I searched for part 4 tenant rights. Up to 5 and a half years and the owner of the property powerless! I'm used to renting abroad and didn't know this was the situation here. I'm slightly in shock truth be told. Who would want to be a landlord


  • Registered Users Posts: 1,002 ✭✭✭rightmove


    Who would want to be a landlord

    only those (REITS) who pay no tax and control the market. But hey this is what tenants asked for. We fixed our rogue LL's by encouraging rogue tenants backed by the PRTB and threshold


  • Registered Users, Registered Users 2 Posts: 6,295 ✭✭✭Claw Hammer


    Dav010 wrote: »
    I’m not saying you are wrong, I’m just not sure there would be a reference to cover something like this, to be honest, this is the first time I have ever heard a poster say the LL require their property for a holiday.

    Considering how partisan the RTB seem to be, saying you are ending a tenancy because you “require” your house for a holiday seems, well, a bit too simple to be realistic. As another poster said, could the owner say I require to move in for a week, or a weekend if there is no defined duration of occupancy attached to “require”?

    It certainly would set an interesting precedent if the adjudicator ruled in the LLs favour, a lot of LLs would “require” their properties for holidays I suspect.
    There is nothing to stop the landlord issuing a notice stating that he requires the dwelling for a short period for example 3 weeks. The only stipulation is that at the end of the three weeks he would have to offer the tenancy back to the original tenant.
    Section 34 Table 4

    The landlord requires the dwelling or the property containing the dwelling for his or her own occupation or for occupation by a member of his or her family and the notice of termination (the “notice”) contains or is accompanied F71 [ by a statutory declaration ]—

    ( a) specifying—

    (i) the intended occupant’s identity and (if not the landlord) his or her relationship to the landlord, and

    (ii) the expected duration of that occupation,

    and

    ( b) that the landlord, by virtue of the notice, is required to offer to the tenant a tenancy of the dwelling if the contact details requirement is complied with and the following conditions are satisfied—

    (i) the dwelling is vacated by the person referred to in subparagraph (a) within the period of F70 [ 12 months ] from expiry of the period of notice required to be given by the notice or, if a dispute in relation to the validity of the notice was referred to the Board under Part 6 for resolution, the final determination of the dispute, and

    (ii) the tenancy to which the notice related had not otherwise been validly terminated by virtue of the citation in the notice of the ground specified in paragraph 1, 2, 3 or 6 of this Table.


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  • Closed Accounts Posts: 436 ✭✭eleventh


    stinkbomb wrote:
    I don't know what planet some people are on. This is not an abstract theory, this is a persons real life. They have the right not to be homeless , and they did nothing that the law didn't let them do.
    The law is there to protect people in genuine situations of being bullied etc. It should not be abused where a genuine agreement is in place, as in the case described.
    An agreement between tenant and LL for 9 months (in this case) means they have 9 months notice in effect to find their next place. Not being able to find a place is not a reason to stay under any circumstance. If they weren't sure they could move by the end of the 9 months, they should not have agreed to it.


  • Closed Accounts Posts: 436 ✭✭eleventh


    beauf wrote:
    Lesson here is if you have a vacant property, or holiday home etc. and may not be using at the moment, but might want to use it in the future, it would be unwise to rent it out for any period.
    It can be rented out for 6 months. That's the time allowed before it becomes a long term let.


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    eleventh wrote: »
    It can be rented out for 6 months. That's the time allowed before it becomes a long term let.

    There is no timely way to recover a property. Tenant can simply over hold.


  • Registered Users, Registered Users 2 Posts: 32,634 ✭✭✭✭Graces7


    eleventh wrote: »
    The law is there to protect people in genuine situations of being bullied etc. It should not be abused where a genuine agreement is in place, as in the case described.
    An agreement between tenant and LL for 9 months (in this case) means they have 9 months notice in effect to find their next place. Not being able to find a place is not a reason to stay under any circumstance. If they weren't sure they could move by the end of the 9 months, they should not have agreed to it.

    I am not defending the tenant in any way but when I first saw the thread it immediately occurred to me that nine months ago Ireland was in a very different state. That the arrival of covid-19 may have made finding somewhere else all but impossible? That plans for moving on after the 9 months may have fallen through? Is that possible?


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Entirely possible.


  • Registered Users, Registered Users 2 Posts: 6,295 ✭✭✭Claw Hammer


    Graces7 wrote: »
    I am not defending the tenant in any way but when I first saw the thread it immediately occurred to me that nine months ago Ireland was in a very different state. That the arrival of covid-19 may have made finding somewhere else all but impossible? That plans for moving on after the 9 months may have fallen through? Is that possible?

    It depends on the part of the country whether or not there are alternative lettings available. In most commercial centres there are plenty of vacancies. As well as that rents are lower than at the time that tenant moved into that holiday home. No way is it impossible to find another place.


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  • Registered Users, Registered Users 2 Posts: 32,634 ✭✭✭✭Graces7


    It depends on the part of the country whether or not there are alternative lettings available. In most commercial centres there are plenty of vacancies. As well as that rents are lower than at the time that tenant moved into that holiday home. No way is it impossible to find another place.


    Sorry but that is not true. I keep a close eye on daft and rent.ie . In many counties there are very few and less at the low end. In case I have to move for any reason. I would be very very hard pressed to be able to if at all.

    covid-19 has disrupted every aspect of life. And without knowing the circumstances?

    I suspect that in this we will have to agree to differ; as I said I am not in any way excusing anyone but can see it from all sides at this time.

    Over and OUT from me on this!


  • Registered Users, Registered Users 2 Posts: 2,242 ✭✭✭brisan


    an absolute sham of a rental market. We need to reform laws, after 9 months and 1 day the landlord should have been able to come in the door, change the locks and remove this grifter and their belongings immediately.

    Its no surprise landlords are leaving the markets in droves with so many grifters as tenants.

    I miss the good old days
    You can’t beat a good early morning eviction for a bit of live theatre


  • Registered Users, Registered Users 2 Posts: 2,242 ✭✭✭brisan


    eleventh wrote: »
    The law is there to protect people in genuine situations of being bullied etc. It should not be abused where a genuine agreement is in place, as in the case described.
    An agreement between tenant and LL for 9 months (in this case) means they have 9 months notice in effect to find their next place. Not being able to find a place is not a reason to stay under any circumstance. If they weren't sure they could move by the end of the 9 months, they should not have agreed to it.

    So now tenants have to have their own crystal ball and foresee pandemics


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Graces7 wrote: »
    [/B]

    Sorry but that is not true. I keep a close eye on daft and rent.ie . In many counties there are very few and less at the low end. In case I have to move for any reason. I would be very very hard pressed to be able to if at all.

    covid-19 has disrupted every aspect of life. And without knowing the circumstances?

    I suspect that in this we will have to agree to differ; as I said I am not in any way excusing anyone but can see it from all sides at this time.

    Over and OUT from me on this!


    What people consider acceptable alternatives varies enormously, in some cases they have unrealistic expectations.


  • Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    brisan wrote: »
    So now tenants have to have their own crystal ball and foresee pandemics

    Oddly enough LL's (Indeed everyone else) are expected to have a crystal ball and be able to cover the cost of it.


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