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Monthly Archives: October 2008

Oct 27

Enlightened warrior camp – Here I come!

By Jeffery Seah | Blog , Road to becoming ME

One more night and tomorrow morning, I’ll be setting off to Rompin, Kuantan  ( 28 oct 2008 )for the 6 days enlightened warrior camp.

I am so damn looking forward to it after all this time. I’m sure its gonna be one of the highlights of this year for me…. who knows, maybe one of the highlights of my entire life.

I think I’m mentally and physically prepared for the event, but maybe not logistically. But like all warriors do, we make do with what we have under the given situation.

I’ve seen ” The peaceful warrior ”  by Dan Millman, heard his ” Everyday enlightenment ” and what can I say, the way of the warrior is the way to go. I’m sure I will learn a lot from this warrior camp, another fine programme from T Harv Eker’s Quantum Leap Programme. Probably the best investment I’ve made for myself.

To warrior-hood, here I come.

Oct 09

Subletting – Tenants, you’re on you own.

By Jeffery Seah | Blog

Headlines says: HDB advises tenants,


The Housing Board ( HDB ) said it had received occasional complaints from sublet tenants Its advice to these tenants: Lodge a police report if they feel they have been cheated.

Alternatively, these tenants could also claim against the owner for breach of contract in the courts or the Small Claims Tribunal, depending on the quantum of the claim, HDB said.

A HDB spokesman added:”As the subletting of flats or rooms is a private arrangement between the flat owners and tenants, the two parties will have to settle their difference and disputes.

“The parties involved may wish to consult their own solicitors on their rights and liabilities under the subletting agreement with each other.”

HDB advised flat owners and tenants to check understand and agree on the terms and conditions of the rental agreement before signing it.

Tips to potential tenants:

  • Ask flat owner to show you a copy of HDB’s in-principle approval letter or approval letter to sublet the flat.
  • Ask flat owner to show documentary proof, such as Agreement for Lease, Service & Conservancy Charges or mortgage loan installment payment booklet/annual loan statements to further verify ownership.
  • Include condition in tenancy agreement stating that validity of agreement is subject to HDB’s approval.

Of the above report, I don’t think it is of much help to tenants. Bluntly put, you are on you own, for when you get a crooked Landlord, that are in financial difficulties and wouldn’t mind if you beat him up or file a dozen complains against him, you’re rendered helpless.

So what if landlord has an in-principle approval letter, so what if he could show ownership proof and so what if you include ” the validity of agreement is subject to HDB approval ” in your agreement? Will it be of any use if the landlord default?

You can go to HDB and HDB says its a private matter, you can go to the police and the police says it is not a criminal offence, so you go to small claims and small claims says it is not a commercial complain but a personal one, so you should go to the lawyer. Do you go and engage a lawyer to claim back $1200 or $2600 in deposits? Do you honestly think the lawyer’s fees you will be paying is worth the trouble to claim back $1200???

In my opinion, it is money gone with the wind. Sometimes, an unbelievably cheap deal may not be a good deal. Some tenants choose to save on service fee payable to agents and ended up getting cheated.

In the hands of an experience agent, such an unfortunate incident will probably never have happened in the first place. For an experience agent will have sniffed out any irregularities, cross checking with existing tenants living in the apartment and taken the necessary precautions against such recalcitrant landlords.

Oct 08

Crooked Landlords

By Jeffery Seah | Property News - Singapore

While buying lunch, the sub-headlines of today’s Newpaper caught my attention and so I bought it. I thought it is quite informative and decided to post it here for the benefit of all who are or may be looking for a place to rent now or in the near future.

Report by Desmond Ng of Newpaper.

Pasted on the door of a HDB flat in Circuit road were two handwritten notes. One was by a loan shark demanding repayment of money lent.

The other, strangely enough, was written by the flat’s tenant, Ms Fong Ying.

Written in red, bold chinese characters, her note tells prospective tenants that the landlord does not live there and that she has been renting the flat for more than a year.

What drove the Malaysian housewife to this was because, in the last three months, more than 10 groups of people had knocked on her door demanding to see her landlord, she said.

Their stories are invariably the same. They had given him money to him to rent the three-room flat. The rental rate was about $1,300.

After taking their money, he would then claim the flat was being foreclosed, or repossessed, by a bank, so he could not rent it out.

What is worse – the landlord gave some of these tenants keys to the flat, despite it being already occupied by Ms Fong.

The New Paper learnt of her situation when we visited the flat two weeks ago with one prospective tenant, Mr Surendra Utti, who claimed to have paid two months worth of rent, about $2600 to the landlord.

We opended the main door with a key that the landlord had given Mr Surendra, only to hear a startled Ms Fong shouting that she was taking  a shower.

After her shower and after regaining her composure somewhat, Ms Fong, 37, listened as Mr Surendra, 27, related his experience.

She shooked her head and said in Mandarin: ” he landlord regularly took people here to view the flat with a housing agent. His excuse to me was that he was selling the place. After a while, I realised that he was trying to rent out the flat even thought I am living here”

“And every time I asked him, he would brush me aside and deny that he was renting out the place.”

She said she has changed the lock on her metal grille gate twice.  Ms Fong said that about three months ago, people visited the flat, asking for the landlord, and were surprised when she told them she had been renting the flat for about a year, and had paid more than $10,000 to extend it for another year.

Ms Fong and her husband, an engineer, pay $1,100 a month for the unit.

She said:”I just have to put up with this nuisance for another year because the rent is quite cheap and my husband had extended the lease. I just hope the landlord stops cheating people. ”

She put up the warning note on the front door about a month ago. She said: ” I can’t stop him from showing tenants around. It’s his flat, after all. I have tried to speak to the potential tenants and even pass them notes to warn them.

“Some took my warnings, but for those who don’t believe me, what can I do?”

Ms Fong claimed that about three weeks ago, her landlord was attacked by a few people outside the flat. “He was beaten up so badly he bled. He even tried to jump over the corridor parapet, but was dragged back. I have not seen him around since,” she said.

She said she had told the landlord, who is divorced with a son and a daughter, to stop cheating people, but he denied doing so. As for Mr Surendra, he thinks there is little he can do to recover his money.

The business analyst from India found the unit for rent online. He viewed the next day, signed the tenancy agreement and paid $2,600, which included a one-month deposit.

Mr Surendra then left for India to get married – only to get a call from his housing agent that the unit would be forelosed by the bank. This happend a week before he was to move in.

Mr Surendra siad:”It came as a rude shock because I was expecting to move into the flat with my wife when I returned from India. The agent said her hands were tied.”

He stayed with some friends and has since managed to rent another three-room HDB flat in Yishun. Mr Surendra said the agent returned her $650 commission to him and said the landlord had promised to return the money before September. But Mr Surendra said that he has not received any money from the landlord.

A machine operator, who wanted to be known only as Mr Tan, claimed the landlord owes him about $1200 in rent deposit that he paid in May.  Mr Tan, who is in his 50s, said he was recommended by an agent, but decided not to take the flat at first because the rent was too high.

“But the landlord offered to rent it for $1200 when the agent left. I paid him the money and was supposed to move in a few weeks later.”

“Later, he said he couldn’t rent out the place a s he was not eligible to do so, I asked for my money back but he said he didn’t have it,” Mr Tan reocunded. He said he confronted the landlord once about the money, but his family told him to forget about it. Mr Tan said: “It seems that he has his own family problems. But he can’t go aorund cheating people like this”.

When contacted, the landlord said he is working a s a storemena to save money to pay his creditors. He admitted having rented the flat to Mr Surendra and said he would return his money, but would not say when. He claimed he owed loan sharks more than $10000.

He said he also owed two groups of people money, but would gradually pay them back.”I already told him (Mr Surendra) I would return his money. The bank is going to repossess my flat, so I can’t rent it out anymore.” he said.

“I didn’t know my flat was going to be repossessed when I tried to rent it out.” He claimed he did not know when his flat would be foreclosed by the bank. HDB said that it received a complaint about the landlord last month and had advised the complainant to lodge a police report.