What is Shared Ownership?

This week is Shared Ownership Week. Social Media is full of Shared Ownership promotions. We felt it was important to highlight that all may not be as good as it seems….

The National Leasehold Campaign; along with the support of the Leaseholders Charity Leasehold Knowledge Partnership have designed a brochure about ‘What is Shared Ownership – Written by leaseholders who learnt the hard way

Please share your honest thoughts about Shared Ownership on Social Media, Particularly Twitter using the hashtags, #Mythbusting #SOWeek2020 #Sharedownership #leaseholdscandal

To access the FULL brochure please click on the link below

https://drive.google.com/file/d/1qWU9i_Gj9aR0qZVPzQldW9PO_K18BqOr/view

**Disclaimer : NLC are not legally trained. We advise consumers to seek professional legal advice.

NEW LEASEHOLD PETITION LAUNCHED.

NLC Petition has reached reached over 2000 signatures in 24 hours.

Suffering leaseholders have endured endless consultations & years of failed reforms.

Government must fulfil the promises made in 2017 to legislate to:

1. BAN leasehold houses 
2. Restrict all ground rents on new leases to ZERO 
3. Enact ALL of the Law Commission proposals

The evidence is clear, Leasehold law is flawed. Failure to enact the Law Commission’s recommendations and banning leasehold houses & setting future ground rents to ZERO is a failure to fix the broken housing market.

The Law Commission proposals are about “making our homes ours, rather than someone else’s assets” Prof Nick Hopkins, Law Commissioner

“Justice delayed is Justice denied” (Robert Jenrick, July 2020)

GOVERNMENT MUST FULFIL THEIR PROMISE 
Leaseholders deserve more than empty promises.

The NLC now has over 18,500 members on Facebook. Leaseholders biggest strength is each-other. We support ALL leaseholders who face many abuses including, Cladding, Service Charges, Ground Rents, and many more issues. Irrespective of your issue please do help us by signing this petition. Our previous petition to ABOLISH LEASEHOLD achieved over 30k signatures. There is 5-6 millions leaseholders in England & Wales !!! LETS DO THIS !!!!

Many thanks for your continued support.

PLEASE SIGN

https://petition.parliament.uk/petitions/548738

TIME FREEHOLDERS FOUND A NEW ETHICAL GAME TO PLAY. THIS GAME OF MONOPOLY IS ENDING SOON.

Welsh Leasehold Campaign (WLC) Launches

NLC GOES WEST !!

The NLC are really pleased to unite with Leaseholders in Wales to drive change across both England & Wales.

The Welsh Leasehold Campaign (Ymgrch Lesddaliad Cymru)

The British empire spread leasehold to every corner of the globe – but now England and Wales remain the last redoubt of a system regarded as a feudal relic everywhere else. (Guardian 2017)

Leaseholders have had enough. We look forward to working together to strengthen our voices. Leaseholders are determined to bring down this system and we will not stop until we do.

Please follow WLC on Twitter & website is https://welshleaseholdcampaign.org/

TOGETHER WE ARE STRONGER

“So what should we do?

We have to keep the pressure on, in fact, now is the time our voices need to be heard more than ever before. The freeholders have started their fight back and if the only voices being heard are theirs, then they will win.

Please keep making a noise about the situation you are in because of the flawed leasehold system, support as much as you can Katie Kendrick and her fabulous team. Support the Leasehold Knowledge partnership by sharing their articles and by encouragement. Both of these groups work tirelessly day in day out for free to help you all.

We have pushed the heavy stone almost to the top of the hill. Maybe now we are becoming a little weary from the effort and we are tiring. If we let go the stone it will roll down to the bottom of the hill and the Governments legislation changes will just be tinkering around the edges.

If we continue to let our voices be heard, we can change history together and improve the lives of millions of people in this country.

Keep the faith” x

Louie Burns

Legend Louie Burns Memory Will Live On …

Leasehold Legend Louie Burns passed away suddenly on Fathers day (Sunday 21st June)

Louie was a loving husband & soul mate to his wife Di, and devoted dad to 3 boys, Danny, Jed & Charlie. We send them all our love. xx

We have started a Fund for his family to honour his memory. Please help support this. Louie gave up so much of his own time travelling the country; educating us all on the rotten leasehold system. He felt a strong injustice for leaseholders and was committed to ending this feudal system. He empowered & inspired us all. Louie never let the Covid Lockdown get in the way of empowering leaseholders and took to producing a weekly podcast with many professionals offering FREE invaluable advice. Just 24 hours before he passed away he wrote his last blog ‘Is Leasehold Really Feudal?’

Now lets unite together to give something back to his family.

https://gf.me/u/ydjbv6

 

His family & friends in Folkestone took part in this beautiful podcast, Please listen

 

In Louie’s memory we will carry on the Leasehold battle. We are determined to make him proud by carrying on. It will never be the same without him but we are so lucky we had Louie to guide us. His words, knowledge and inspiration will continue to shine through our work.

RIP Louie, Thankyou xxx

Katie, Jo & Cath xxx

Photo Louie’s favourite place, Naples
Quote Chosen by his wife Di

HCLG Committee launches survey on dangerous cladding

The quick to complete survey invites residents to tell the Committee what the fire safety issues on their buildings have been, detail the impact this has had on them, whether it be financial or EMOTIONAL, and give their views on the Government’s response.

NOW IS THE TIME TO HAVE YOUR VIEWS HEARD !!

In a snapshot survey in 2019 answered by nearly 200 owners in 21 buildings, 127 people told UK Cladding Action Group (UKCAG) that their mental health had been “hugely affected” by the cladding problems, 160 complained of stress and 50 said they had sought medical help as a direct result of the situation. This was report by The Guardian; Mental health toll on people in flats with Grenfell-style cladding revealed

CLICK HERE TO COMPLETE THE SURVEY

DEADLINE 24TH APRIL 2020

CLADDING ACTION GROUPS HAVE DONE A FANTASTIC JOB OF UNITING TOGETHER LOCALLY & NATIONALLY.

There are numerous cladding action groups on twitter. It’s important as Leaseholders we ALL support eachother. Some of their twitter handles are:

@ukcag @McrCladiators @CladdingSlough @LondonCAG @LeedsCladding @CladdingScandal @lvplcladiators @Londoncladders

If we have missed you off the list of groups & would like to be included please tweet us @NLC_2019

In the budget, the Government announced further funding for the removal of all types of cladding from existing buildings. We cannot be complacent however. If thousands of residents remain in limbo, facing huge costs for fire patrols or unable to mortgage their home, it will simply not be good enough.”

EMAIL YOUR MP TO RAISE THE CMA REPORT IN PARLIAMENT THIS WEEK

Following on from the damning report from the CMA on Friday 28th Feb we are encouraging Leaseholders to write to their MP to bring this to the attention of the government this week to urge them to take ACTION.

WE NEED TO KEEP THIS ISSUE IN THE SPOTLIGHT AND WE NEED YOUR HELP TO DO THAT.

We have written a template letter, but please edit as you need to. The more personal it is to your situation the better (don’t forget to include you address in your email)

Many thanks for your continued support.

Dear (Name of MP)

I am writing to you as a Leaseholder who is trapped in the Leasehold Scandal.

I am sure you are aware the Competitions & Markets Authority (CMA) announced Enforcement action as they have found troubling evidence of potential mis-selling and unfair contract terms in the leasehold housing sector.  

We have had:

8 Government Leasehold Consultations. 

damning Select Committee Inquiry report which received the largest pieces of evidence any Inquiry has EVER received.

And now a damning CMA report which has confirmed leaseholder have been unfairly treated and proposed buyers misled by housing developers.

How much evidence does the government need to take immediate ACTION?  The CMA announcement confirms that they have been systematic failures.

The government promised in 2017 they would Ban future houses being leasehold and also reduce ground rent on future leases to ZERO.  This has NOT happened.  We are still no further forward.  Words are simply not enough. Leaseholders have had enough of waiting for the government to stop these abusive practices and help existing leaseholders who are trapped.

As my MP I ask you to raise this again directly with Ministers.  

Many thanks for your continued support

The CMA has found troubling evidence of potential mis-selling and unfair contract terms in the leasehold housing sector, and is set to launch enforcement action.

LEASEHOLDERS CLAIMS HAVE BEEN VALIDATED BY THE CMA

https://www.gov.uk/government/news/cma-finds-evidence-of-serious-issues-in-leasehold-selling

The NLC is going from strength to strength. We have numerous social media platforms we use but the main one is facebook. If you haven’t joined please do so

https://www.facebook.com/groups/nationalleaseholdcampaign/

Together we are stronger – Join now

PRESS RELEASE FOR PUBLICATION: NLC RESPONSE TO CMA ANNOUNCEMENT:  EVIDENCE OF MISSELLING LEASEHOLD HOMES

The National Leasehold Campaign founders are delighted with today’s announcement by the CMA that they intend to take enforcement action and are preparing to take specific cases against developers to tackle the mis-selling & unfair lease terms.

This is as a direct result of the colossal efforts of three years campaigning by Katie Kendrick (Founder); Jo Darbyshire (Co-founder) and Cath Williams (Co-founder) who believe they were all misled during the purchasing process of their homes. They report being given misinformation at the point of sale re the cost of buying their freehold and were not told their freeholds would be sold on to a third party investor without their knowledge.

The news has been welcomed by the 16.5K members of the NLC and more widely by leaseholders throughout England and Wales which number around 6 million home “owners”.

Katie Kendrick states “We would like to thank the CMA for this work and for listening to us – we know it will not be a quick fix but are ready to help in any way we can. We have the evidence and are not too battle weary to continue with this fight.  It is really refreshing to hear our claims validated by the CMA today. Whilst the government proposes to ban future houses being sold leasehold in the future we can not and will not allow them to forget those who are already trapped through no fault of their own.  If it was wrong for the future it was wrong for the past”

The NLC are very optimistic that the outcome of the proposed CMA prosecutions will result in some form of compensation for those already trapped in mis-sold leasehold properties.  

Jo Darbyshire stated “ Information critical to my decision making was deliberately withheld at the point of sale. Had I been given that information I would have bought my freehold from the developer for c.£5K. They sold my freehold on and now it will cost thousands more. It’s time for them to do the right thing and make sure I’m not financially disadvantaged as a result of their systematic mis-selling”

The NLC also hope that any compensation scheme will help those who have had no choice but to pay out large sums for their freeholds to be able to get on with their lives. Many have been forced into this position at the mercy of third party freehold investors to change jobs, start a family and buy a larger property or to downsize when retiring.

Cath Williams states “I needed to move but was advised by the state agent that finding a buyer for a leasehold house would be difficult and its value was £20,000 less than the freehold market. I had absolutely no option but to buy the freehold and it cost me a total of £15,000 to include both sets of legal fees. I had to borrow from family. I want that money back because my house should never have been leasehold in the first place”

NLC leads the campaign to save The Victoria Derbyshire show

The Victoria Derbyshire show has backed the National Leasehold Campaign since we launched in 2017. The BBC have announced the show is to be axed. NLC’s founder Katie Kendrick has launched the petition to stop this which has already reached 32,000 signatures.

PLEASE SIGN THE PETITION

Other NLC coverage on the Victoria Derbyshire include:

Katie Kendrick has written to the head of the BBC:

Re: Stop the Victoria Derbyshire Show being axed

FOR PUBLICATION.

Dear Lord Hall

My name is Katie Kendrick I am the founder of the National Leasehold Campaign (NLC) and the person who launched the online petition to save the show which now has over 31,000 signatures.

My first reaction when I heard the news about this decision was of disbelief. I felt deeply disappointed that the BBC, a publically funded organisation, could even consider removing a show that provides such an invaluable public service to millions.  This show is pivotal to our society, it reaches the most vulnerable, thus enabling & empowering people to have a voice. I don’t think you should underestimate how much this show provides a voice to many marginalised sectors of society and how imperative it is these voices are heard.

I have read the BBC’s Charter and struggle to understand how this decision can be justified.

“The BBC’s Mission is to act in the public interest, serving all audiences through the provision of impartial, high-quality and distinctive output and services which inform, educate and entertain.

The BBC’s Charter and Agreement sets out what the BBC is for. It has an intrinsic purpose: to provide programmes that inform, educate and entertain people as individuals. And it has an instrumental purpose: to deliver external benefits to society through, for example, creating a richer culture, promoting democratic debate and building a stronger sense of community through shared experiences”

Point 9 of your Charter ‘Acting in the public interest’ states the “BBC MUST act in the public interest”  

“In complying with this article, the BBC must a) ensure that the benefits (whether direct or indirect) of decision relating to the fulfilment of its mission and the promotion of the public purposes outweigh the costs (whether direct or indirect) and b) in doing so, have regard to economic, social & cultural benefits and costs.

Point 10 of your Charter focuses on ‘Engaging with the public’,

“The BBC must carefully and appropriately assess the views and interests of the public and audiences, including licence fee payers, across the whole of the United Kingdom. The BBC must make arrangements to ensure that the diverse perspectives and interests of the public and audiences, including licence fee payers, across the whole of the United Kingdom are taken into account in its decision-making”

You have a responsibility to uphold the Royal Charter for the British Broadcasting Corporation  

For me personally the Victoria Derbyshire show has provided a platform for leaseholders trapped in the Leasehold Scandal to have a voice.  We are at a crucial time in our campaign where government are in the process of drafting legislation to help end the abuses of Leasehold.  I firmly believe the support and exposure of our plight by the Victoria Derbyshire show has been instrumental in getting government to sit up, listen and take action. The Victoria Show promptly engaged with Leaseholders and exposed the Leasehold Scandal in February 2017;  undertaking an exclusive investigation ‘The new property trap affecting thousands’  and further exclusive report in 2019 exposing the ‘Human impact of the Leasehold Scandal on peoples mental health’ I can not thank the show enough for helping us get this far.

My campaign is just one of thousands this show has given a voice to. We need more not less of this kind of journalism. It would be a travesty to loose such an excellent show.

How does the BBC intend to continue to represent the interests of the public if you axe this show? The BBC should be investing in more programmes that engage the public voice, not eradicating it.

It’s clear you have a choice of ‘being part of the problem or part of the solution’.  I urge you to reconsider.

Regards

Katie Kendrick

(Founder of NLC)

NLC LAUNCHES NEW LEAFLETS

NLC would really like your help to distribute our leaflets nationally. If you can help please email us (nationalleaseholdcampaign@gmail.com) or contact us via facebook and we will post them out to you.

We have designed our leaflets to capture a wide range of issues many of us are facing including :

  • Onerous Grond Rents
  • Excessive Major Works
  • Escalating Service Charges
  • Remedial Works Unsafe Cladding
  • Unexplained Admin Fees
  • Unsafe Cladding
  • Retirement Sector
  • Excessive Insurance Premiums
  • Extortionate Permission Fees
  • Costly Litigation Fees
  • Shared Ownership Fees

” We are at a very crucial time in our campaign. With the Law Commissions valuation report released last week it is vitally important we keep the pressure on the government to not simply “tinker” with leasehold reform but take BOLD action.

Leaseholders must mobilise and work together. We ask everyone to take the following actions to help….

WE APPRECIATE IT’S HARD TO KEEP MOTIVATED BUT WE CAN’T GIVE UP NOW. THE SECTOR WANT US TO GET FED UP BUT WE WILL NOT ALLOW THIS TO HAPPEN

NLC ARE THE LEASEHOLDERS’ CAMPAIGN BUT DON’T FORGET TO ALSO SUBSCRIBE TO THE LEASEHOLDERS’ CHARITY – THE LEASEHOLD KNOWLEDGE PARTNERSHIP (LKP) WHO ENSURES THIS REMAINS ON THE POLITICAL AGENDA.

NLC DEMONSTRATION IN LONDON

THE LAW COMMISSIONS LONG AWAITED VALUATION REPORT HAS BEEN RELEASED……

The Law Commission released their report on enfranchisement yesterday. The main document is 322 pages or their summary is 32 page. Both are difficult documents to get your head around.

https://www.lawcom.gov.uk/project/leasehold-enfranchisement/

The NLC statement is below:

Whilst we are thankful to the Law Commission for carrying out this piece of work leaseholders will not receive the content of the report as favourable.

Leaseholders have put so much time & effort into completing consultation after consultation regarding leasehold reform in the hope much needed radical changes were on the horizon.  We needed the law commissions valuation report to give us hope that people will be able to afford to buy a way out of this mess. We still don’t have that. 

The aim of making it easier, quicker and more affordable is no clearer than at the start of this consultation 18 months ago. The report is immensely complicated and confusing with 3 main options proposed with 7 sub options for the government to choose from.  It could leave an already complicated system even more so depending on which option the government chooses or rather is persuaded to choose.   I have no idea how a leaseholder will be able to understand and navigate most elements of this report. 

This has been the best chance in decades to bring about meaningful much needed changes to the leasehold system, yet it appears they are doing nothing more than tinkering around the edges and keeping the status quo.  It is deeply disappointing. 

We can only hope that the government will take the much needed BOLD action to address the imbalance of the leasehold system.  It may be correct to consider the human rights of the landlords, but they should have been considered in light of the fact those landlords have been allowed by a deeply flawed leasehold system to abuse the human rights of leaseholders over many decades.  Decades in which successive governments have effectively duped the consumer into believing there were no problems with leasehold tenure.  Decades in which developers have been allowed to create leases that in some cases are so onerous that people cannot sell their homes.  Leases which have allowed the developers and landlords to make billions of pounds out of other people’s homes.

CALLING ALL LEASEHOLDERS TO UNITE TOGETHER. THIS IS A CRUCIAL TIME IN OUR CAMPAIGN. WE NEED YOU.

PLEASE ASK YOU MP TO JOIN THE APPG ON LEASEHOLD & COMMONHOLD REFORM