Is it right that someone whose been given a house on the state, has never paid market rates for it and may no longer need it, should have protected ownership of it, whereas I don’t have protection as a private market buyer?!
"Market rates". It's a glib phrase that means very little. What is a market rate? In my last rental property the landlord cut us a good deal, we were paying less than other people on the same street were and we had a nicer house. Is that a market rate? Or should we have lost a few rights in exchange for negotiating a good price? I own my new home, but we bought it from a mortgagee in possession- it was a repo. So we got a good price. Is that a market rate?
And "a house on the state"? If you're working you pay your rent out of your own money. If you're not, or you're on a low income, then you get housing benefit. Doesn't matter who your landlord is, the same deal applies. You can even get help from the government if you can't pay your mortgage (although it has just changed from a grant to a loan).
To summarise:
If you are private market buyer
with a mortgage, then the mortgage lender can take your house off you if you don't pay them.
If you are a social tenant with a council landlord, then the council can take your house off you if you don't pay them or if you or your family are guilty of anti-social behaviour, subletting, etc.
If you are a social tenant with a housing association, then the housing association can take your house off if you don't pay them or if you or your family are guilty of anti-social behaviour, subletting, etc.
If you are a private tenant, then the landlord can take your house off you if you don't pay them. Or if they want the house back for themselves. Or if the landlord has failed to pay
their mortgage. Or, once you're out of the fixed term, for literally any reason at all, as a landlord can gain possession without having to give a reason.
Social tenants with a council landlord have slightly more protection than social tenants with a housing association landlord. The former tend to have secure tenancies, and so the court has discretion to suspend possession orders in cases of rent arrears. The latter tend to have assured tenancies and, if the rent arrears are more than two months, the court doesn't have discretion to suspend a possession order. Off you go.
Private tenants have significantly fewer rights but I'm sure you're not arguing for a race to the bottom where anyone can be evicted at any time for any reason.
I will be forced to give up my house, that I’ve paid an incredible amount for over the years, if I can no longer pay the mortgage! Maybe I’ve tweaked the pegonias outside or changed the patio. Maybe I also call it home. That will make no difference!
And, ultimately, you will face the same fate regardless of who owns your home. If you don't pay your rent, regardless of the landlord, you will eventually be evicted. The only variation is how long it takes. But, believe me, mortgage lenders often take longer to repossess than even local authority landlords. In the current climate, mortgage lenders are happy to let things run on if you have plenty of equity and their loan is secure. And if you don't have plenty of equity they don't bother repossessing because they won't get their money back. Forebearance is the name of the game.
There's this idea that local authority landlords are these kind, gentle benefactors who will let you keep your home even if you don't pay the rent. If only that were true. Councils are ruthless with people who don't pay their rent. If you don't pay them, they'll have you out. And they won't give you another home because, if you don't pay your rent, you're "intentionally homeless".
The vast majority of my job is dealing with rent arrears and council tax arrears. And councils don't hang about if you owe them money.