I was therefore slightly disappointed to hear a comment that CMP only protects the landlord and that tenants get no benefit from it. This as I explain below is not true but it does mean that we need to educate the public about why this move is so important. Client money does afford protection to the tenant but given that the only client money from most tenants, that an agent holds, is tenancy deposit monies and these should be protected in an authorised scheme, the majority of tenants are protected through this medium and do not need to call on a CMP scheme.
There are however a number of scenarios where CMP affords protection to tenants. As most landlords and agents know there are two types of tenancy deposit protection TDP — namely custodial and insurance backed. Custodial as is implied the money is deposited with the TDP scheme and therefore is secured for the period. In an insurance backed scheme, the agent holds onto the money but in the event of this not being returned when legitimately it should, the TDP scheme insurer pays back the money to the tenant.
Whilst this protection has worked very well for almost ten years now, it is not absolutely watertight. In the custodial scenario, the monies are initially paid to the agent by the tenant who has then 30 days in which to protect it. Although most agents do transfer the money as soon as possible, there is a period when the money is under control of the Agent.
Whilst the deposit is being processed, it should be held in a client account. If these monies go missing, it would be the landlord who is liable for the missing money but if he shirks his responsibility the tenant can claim from a CMP policy to recover their deposit. The second scenario for the custodial is where an agent fraudulently obtains the tenants release details and releases the deposit to themselves and misappropriates the money.
With the insurance scheme, the first port of call for a tenant would be the TDP scheme the deposit is protected with. In most cases their insurer will pay the scheme to pay the tenant. However all the TDP schemes have limitations to the period they will continue to pay tenants, following an agent going to the wall. Most will not pay deposits until the tenant has left the property and once the period of insurance has expired, their liability expires unless a tenant has registered their claim.
The same scenario applies if an agent is expelled from a TDP scheme, there is only a limited period of liability before claims are not dealt with. View all Google Scholar citations for this article. Building on intensive, qualitative field research, we show that a new generation of educated, underemployed youth in the village of Bemni serve their community in key ways. We draw attention to the potentials of this practice and discourse of politics as well as its limits, particularly that it is dominated by young men and tends to reproduce caste and gender inequalities.
We also call for more concerted study of youth community activism in contexts of predatory clientelism. Email your librarian or administrator to recommend adding this journal to your organisation's collection. This data will be updated every 24 hours. Login Alert. Log in. Aa Aa. Cited by 7 Cited by. Crossref Citations. This article has been cited by the following publications. This list is generated based on data provided by CrossRef.
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