 Lord Kennedy of Southwark
        
    
    
    
    
    
        
        
        
            Lord Kennedy of Southwark 
        
    
        
    
        That is absolutely right. I have no worries for the rogue landlord but the noble Lord, Lord Deben, spoke earlier about these characters and some of their despicable practices. I am worried about how they treat their tenants.
 Lord Palmer of Childs Hill
        
    
    
    
    
    
        
        
        
            Lord Palmer of Childs Hill 
        
    
        
    
        In terms of the charges on the property, I seek some clarification. We are told that the local authority may have taken over management of the property and be taking a charge on it, and will be able to underwrite its costs in one way or another, which seems very sensible. The problem is if there is an existing charge on the property because the owner has a mortgage on it. To seek recompense and take action, the local authority will have to take cognisance of the fact that there is already a charge on that property. A local authority may be very reluctant to incur the cost when it knows it is in a queue and may get nothing whatever at the end of the line.