Episode 1 Council House Crackdown


Episode 1

Similar Content

Browse content similar to Episode 1. Check below for episodes and series from the same categories and more!

Transcript


LineFromTo

I'm Michelle Ackerley.

0:00:040:00:05

My parents both grew up on council estates

0:00:050:00:08

and, as a family, we understand the difference social housing can make

0:00:080:00:12

to people's lives.

0:00:120:00:13

Millions of families across the UK are struggling to find affordable housing.

0:00:130:00:18

So, this is my front room and my bedroom together.

0:00:180:00:22

Many are living in temporary or overcrowded conditions,

0:00:220:00:25

desperate for somewhere decent to live.

0:00:250:00:27

This is our room where we sleep and this is what we've got at the minute.

0:00:270:00:30

We can't really call it our home.

0:00:300:00:32

But some social housing tenants are abusing the system,

0:00:320:00:35

holding on to properties they no longer need.

0:00:350:00:38

When somebody applies for housing, you expect them to live in a property.

0:00:380:00:41

And when they don't, it does start to take the mickey.

0:00:410:00:44

Or even worse, making a small fortune by illegally subletting them.

0:00:440:00:48

He was charging beyond £1,500 a month.

0:00:480:00:51

He exploited this completely to his advantage.

0:00:510:00:54

So, I'm with housing investigators, cracking down on tenancy cheats...

0:00:540:00:58

-What a waste!

-If you want to commit tenancy fraud,

0:01:000:01:03

don't bother coming here.

0:01:030:01:04

..reclaiming properties.

0:01:040:01:06

I need to speak to you, please.

0:01:060:01:08

They've seen an opportunity and they think they're not going to get caught.

0:01:080:01:11

..and giving them to families in genuine need.

0:01:110:01:15

That's how a council house should be.

0:01:150:01:17

It should be loved and looked after.

0:01:170:01:19

This is Council House Crackdown.

0:01:200:01:22

Today, an inside job, as a council executive earning more than £50,000

0:01:250:01:30

a year attempts to unlawfully purchase a council property.

0:01:300:01:33

I just cannot believe, even now, when I go through this with you,

0:01:330:01:37

that this guy really thought he was going to get away with it.

0:01:370:01:39

A champagne-swigging couple claim homelessness to gain social housing

0:01:410:01:45

while leading a secret, jet-set life.

0:01:450:01:48

It's really frustrating when you've got people telling lies about their

0:01:490:01:52

circumstances, especially when you know there were genuine people out

0:01:520:01:55

there that really needed that home.

0:01:550:01:58

And housing officers reveal a shocking misuse of council property,

0:01:580:02:02

as anti-social behaviour complaints lead police to an illegal drugs factory.

0:02:020:02:06

Going into the living room, that was sort of the moment where we kind of

0:02:080:02:11

knew what we were dealing with.

0:02:110:02:13

You know, it wasn't an amateur setup.

0:02:130:02:15

A total of 2,700 investigations into social housing tenancy fraud

0:02:310:02:36

have been carried out over the last 12 months.

0:02:360:02:38

Half of these cases involve illegal sublets.

0:02:420:02:45

The rest involve other attempts to cheat the system,

0:02:450:02:48

such as lying about your circumstances,

0:02:480:02:50

or making a false application for social housing.

0:02:500:02:53

Our first case exposes an executive earning more than £50,000 a year

0:02:560:03:01

but leading a double life to cheat authorities out of not just £23,000

0:03:010:03:06

in benefits, but a highly sought-after social housing property.

0:03:060:03:10

-This is him.

-This is Charles Kimani-Hahn.

0:03:100:03:13

His deception began in the leafy suburb of Blackheath in south London.

0:03:130:03:17

Royal Borough of Greenwich fraud investigator Clive Parrish was part

0:03:190:03:23

of the team that exposed this tenacious tenancy cheat.

0:03:230:03:26

Clive, this area looks really lovely to me.

0:03:280:03:31

You can see just from walking along this street.

0:03:310:03:33

These properties are amazing.

0:03:330:03:35

Beautiful houses.

0:03:350:03:36

Lovely, vast, open, green areas.

0:03:360:03:39

What about the properties over here?

0:03:390:03:41

So these are predominantly council-owned.

0:03:410:03:45

-They're council properties?

-Yeah.

0:03:450:03:46

They don't look like it at all.

0:03:460:03:48

Many of them have been bought by their tenants that have lived here

0:03:480:03:52

for any length of time, really, because they are so desirable.

0:03:520:03:55

People want to live in a part of town like this.

0:03:550:03:58

I'm not surprised. I mean, if I lived in London, I'd want to live here.

0:03:580:04:01

I can imagine the demand for a property like this when they become available is pretty high.

0:04:010:04:06

Yes. Oh, very much so.

0:04:060:04:08

I think if one of these is vacant, and it goes on to the council's list,

0:04:080:04:13

anybody on the waiting list will want to bid for this.

0:04:130:04:16

The bidding system adopted by Greenwich Council ensures each social

0:04:170:04:21

housing property is allocated to the person or family with the greatest need.

0:04:210:04:26

Once the property is advertised,

0:04:260:04:29

housing officers determine who is the most

0:04:290:04:31

suitable applicant,

0:04:310:04:32

based on meeting their criteria for the property and how long they've

0:04:320:04:35

been registered.

0:04:350:04:36

In June 2009 Mr Charles Kimani Hahn was one of the hopefuls

0:04:380:04:42

desperate to upgrade to one of these Blackheath properties.

0:04:420:04:45

According to council records at the time,

0:04:470:04:50

43-year-old Mr Hahn was an unemployed father of three.

0:04:500:04:54

He was the tenant of a one-bedroom flat in Greenwich.

0:04:540:04:59

His family was growing in size and they needed larger accommodation.

0:04:590:05:02

Mr Hahn's circumstances seemed all too typical.

0:05:030:05:07

A struggling father trying to support a young family and needing help.

0:05:070:05:11

For the leader of the Royal Borough of Greenwich, councillor Denise Hyland,

0:05:130:05:16

it was a familiar story.

0:05:160:05:18

Talk me through how important it is for social housing properties in the

0:05:190:05:23

Royal Borough of Greenwich to go to those who are in genuine need.

0:05:230:05:28

I meet my constituents, you know, at least on a fortnightly basis.

0:05:280:05:34

And I would say 90% of the cases I deal with,

0:05:340:05:38

it's about housing need.

0:05:380:05:40

We have about 16,000 people on our waiting list and it feels like it's thus ever been.

0:05:400:05:47

But we work very, very hard to provide housing to those in genuine need.

0:05:480:05:54

Sympathetic to Mr Hahn's plight,

0:05:550:05:58

the Royal Borough of Greenwich considered his application.

0:05:580:06:00

And after nearly three years on the waiting list, in May 2012,

0:06:020:06:06

he was allocated a two-bedroom council property next to Blackheath's

0:06:060:06:10

highly sought-after Cator Estate.

0:06:100:06:12

After living in cramped conditions for years,

0:06:140:06:17

this apparently struggling father had finally landed the home he'd been

0:06:170:06:21

dreaming of, a more spacious family property in one of London's most

0:06:210:06:25

appealing areas.

0:06:250:06:27

A lot of the houses in this road are houses of £1 million, plus.

0:06:270:06:33

-Really?

-And all privately owned.

0:06:330:06:35

And it's a really nice place.

0:06:370:06:38

People want to live here, you know?

0:06:380:06:41

It's a part of south east London that is desirable.

0:06:410:06:44

As far as the Royal Borough of Greenwich was concerned,

0:06:460:06:49

it was a job well done.

0:06:490:06:50

But just one month after Mr Hahn moved into his property,

0:06:520:06:56

he sent an application to the council that immediately rang alarm bells.

0:06:560:07:00

Charles Hahn informed authorities that he wished to exercise his right

0:07:010:07:05

to buy his new property.

0:07:050:07:06

Under right-to-buy legislation,

0:07:080:07:10

council tenants can buy their homes at a huge discount.

0:07:100:07:13

In this case more than £100,000.

0:07:130:07:17

The idea is to encourage home ownership,

0:07:170:07:19

but there's concern about

0:07:190:07:21

diminishing social housing stock.

0:07:210:07:23

We're selling our assets,

0:07:230:07:25

if you like, by our housing stock being diminished when people want to buy their own house,

0:07:250:07:30

which they have the right to do.

0:07:300:07:32

So it's very important that when a right-to-buy case comes in,

0:07:320:07:37

they're all scrutinised quite carefully.

0:07:370:07:40

And it was under this scrutiny that eagle-eyed officers spotted something

0:07:400:07:44

unusual in Mr Hahn's application.

0:07:440:07:47

During the right-to-buy process,

0:07:470:07:50

somebody has to produce evidence that they can get a mortgage,

0:07:500:07:54

their mortgage offer letter, if you like.

0:07:540:07:56

And Mr Hahn's mortgage offer letter, when it arrived at the council,

0:07:560:08:00

was addressed to him at an address in South Ockendon in Essex.

0:08:000:08:04

The authorities immediately became suspicious.

0:08:050:08:09

Officially, Charles Hahn was supposed to be a council tenant living in Blackheath.

0:08:090:08:13

So, why did his mortgage provider send him a letter to an address in Essex?

0:08:150:08:19

Later...

0:08:220:08:23

The shocking truth behind Charles Kimani-Hahn's deception.

0:08:230:08:27

We were astonished. I mean, we couldn't believe it.

0:08:270:08:30

And emotions run high as the impact on the wider community hits home.

0:08:300:08:34

Yeah, I could cry for them, you know?

0:08:340:08:36

Because I don't...

0:08:360:08:38

Oh, sorry.

0:08:380:08:39

Is that ridiculous?

0:08:390:08:42

No, not in the slightest.

0:08:420:08:44

When it comes to social housing,

0:08:520:08:54

family homes are often in really short supply.

0:08:540:08:57

In Wolverhampton, for example,

0:08:570:08:58

fewer than half of the 23,000 social housing properties have two or three bedrooms.

0:08:580:09:04

Making sure these properties are being put to the best possible use is vital.

0:09:040:09:09

This is Mkhululi Mpofu and his wife, Vanessa.

0:09:110:09:15

When they appealed to housing authorities for support with their young family,

0:09:150:09:19

they appeared the perfect match for one of Wolverhampton's precious

0:09:190:09:22

two-bedroom properties.

0:09:220:09:24

But the extreme level of their deception prompted Elaine Morgan

0:09:260:09:29

and her team at Wolverhampton Homes to bring their first ever prosecution for

0:09:290:09:34

housing tenancy fraud.

0:09:340:09:35

In Wolverhampton,

0:09:420:09:43

there are nearly 9,000 households actively seeking social housing.

0:09:430:09:47

This house here, it's a two-bedroom house, good size.

0:09:490:09:52

Back garden, off-road parking,

0:09:520:09:54

so, it's ideal for families.

0:09:540:09:55

Yes. Very sought-after area.

0:09:550:09:58

As fraud investigators for Wolverhampton Homes, Elaine and her colleague,

0:09:580:10:02

Louise Humphries, know just how difficult it can be for young families on

0:10:020:10:06

the social housing waiting list.

0:10:060:10:08

A lot of our applicants are very desperate for a home

0:10:080:10:11

and with the situation with housing in the UK at the moment,

0:10:110:10:14

it's not very easy for people to get onto the property ladder any more.

0:10:140:10:17

The demand for social housing is very great.

0:10:190:10:22

We deal with so many people who are desperate for housing

0:10:220:10:26

and have no other means of being able to, you know, to get housing,

0:10:260:10:30

either by buying it or renting privately,

0:10:300:10:32

because it's just not affordable for them.

0:10:320:10:34

With demand for social housing in this part of the country at an all-time high,

0:10:370:10:42

fraudulent tenancy claims can have a devastating effect.

0:10:420:10:46

With social housing, it's designed for people in need.

0:10:460:10:49

So it's not just something that should be available to people to

0:10:490:10:53

come along and say, you know, "I want that house, I fancy living there."

0:10:530:10:56

It should be for the people who genuinely need it.

0:10:560:10:59

And in 2013, when Wolverhampton Homes received a housing application

0:10:590:11:04

from Mkhululi and Vanessa Mpofu, the information indicated that this was one such family.

0:11:040:11:10

They claimed that they didn't have anywhere to live.

0:11:100:11:12

They were staying with friends

0:11:120:11:15

and they were sleeping on the floor with their child.

0:11:150:11:18

They said that they had no bedroom of their own.

0:11:180:11:22

And because of that they were given homeless priority.

0:11:220:11:26

So they were given emergency banding.

0:11:260:11:29

Emergency banding is reserved for applicants in the most desperate need of help.

0:11:290:11:34

As a homeless couple with a young child,

0:11:340:11:36

their application was afforded the highest priority.

0:11:360:11:39

Emergency banding is a banding for people who really don't have anywhere to go.

0:11:410:11:45

We have to prioritise people who genuinely don't have a home.

0:11:450:11:49

They provided us with the proofs that we would require to check out before

0:11:490:11:54

we allocate a property.

0:11:540:11:56

So they provided bank statements at the address at which they claimed to

0:11:560:11:59

be living and wage slips from that address.

0:11:590:12:02

There was no reason to suspect there was anything untoward.

0:12:020:12:04

Wolverhampton Homes immediately set about trying to find a property for

0:12:090:12:13

the struggling young family.

0:12:130:12:15

There is a knock-on effect on health for those who don't have proper

0:12:160:12:20

settled homes.

0:12:200:12:21

And when you're raising a family,

0:12:220:12:25

it's very difficult to bring a family up and teach them family values if

0:12:250:12:29

you don't have a settled environment in which to do so.

0:12:290:12:32

So...

0:12:320:12:33

When a two-bedroom property in the Fordhouses area of Wolverhampton became available,

0:12:350:12:40

it looked like the answer to everyone's prayers.

0:12:400:12:43

A two-bedroom house became available in an area in Wolverhampton and

0:12:440:12:49

this particular couple put a bid on for that property.

0:12:490:12:52

It's a popular area, it's a family neighbourhood,

0:12:520:12:56

reasonably good schools in the area, good connections into the city,

0:12:560:13:00

and you've got the countryside on your doorstep,

0:13:000:13:03

so it's a sought-after area.

0:13:030:13:05

This area, as we're sort of driving around, you can see there's a lot of

0:13:080:13:12

green areas, places for kids to play, there's local shops, a school.

0:13:120:13:18

I suppose it is just ideal for families living here.

0:13:190:13:23

Because of the banding and the priority that they'd been given based on

0:13:230:13:26

what they told us, they were successful in bidding for the property.

0:13:260:13:31

And they were offered the house.

0:13:310:13:33

The apparently desperate circumstances surrounding the Mpofus' application

0:13:340:13:38

meant that they were awarded the property in the face of some tough competition.

0:13:380:13:42

The property that they bid for in particular,

0:13:420:13:44

I believe over 230 other applicants also applied for it,

0:13:440:13:50

which meant that obviously they got the property because of their

0:13:500:13:52

emergency banding.

0:13:520:13:54

For Wolverhampton Homes, a young couple had been given

0:13:540:13:57

the essential support they needed to raise a family.

0:13:570:14:01

Yes, I suppose, especially because of children, as well,

0:14:010:14:03

and if they've never had a home or a house with a garden and they've got

0:14:030:14:07

somewhere to play,

0:14:070:14:09

and I think it's just great for them that they've got that opportunity.

0:14:090:14:13

Local authorities routinely carry out data checks on all social housing properties.

0:14:150:14:20

And 18 months into the Mpofus' tenancy, one such check alerted

0:14:200:14:25

investigators to something unusual.

0:14:250:14:27

And we received a match for this particular address.

0:14:280:14:32

The match indicated that the tenants themselves had actually been living

0:14:320:14:37

in another socially rented property out of the borough at the time that

0:14:370:14:42

they applied with us.

0:14:420:14:44

Mkhululi and Vanessa Mpofu were already living in social housing ten miles away in Walsall.

0:14:440:14:50

This was not a homeless family in need of support, but a pair of fraudsters

0:14:520:14:56

intent on cheating the system.

0:14:560:14:58

Later...

0:15:030:15:04

It is sickening.

0:15:040:15:06

It just reinforces what we've always said -

0:15:060:15:08

there is no such thing as a typical fraudster.

0:15:080:15:11

Investigators learn the truth behind a shocking deception.

0:15:110:15:14

They had completely lied.

0:15:140:15:16

They were professional people.

0:15:160:15:19

They quite openly posted photographs of themselves abroad,

0:15:190:15:23

sipping champagne,

0:15:230:15:25

travelling to various countries and living a jet-set lifestyle.

0:15:250:15:30

Back in Blackheath,

0:15:410:15:42

Charles Kimani-Hahn was a supposedly unemployed father of three who'd been awarded

0:15:420:15:47

a tenancy beside the highly sought-after Cator Estate by Greenwich Council.

0:15:470:15:53

So these are predominantly council-owned.

0:15:530:15:56

-They're council properties?

-Yeah.

-They don't look like it at all.

0:15:560:16:00

When he applied to purchase his council property with a right-to-buy

0:16:000:16:03

discount of more than £100,000,

0:16:030:16:06

authorities were alerted by his mortgage provider to a mysterious

0:16:060:16:10

second address in Essex.

0:16:100:16:12

Charles Hahn and then the address here in South Ockendon.

0:16:130:16:16

In Greenwich, counter-fraud manager Nigel Brown's team of investigators

0:16:160:16:21

have dealt with more than 2,000 cases of tenancy fraud in the last two years.

0:16:210:16:26

When Charles Hahn's right-to-buy form landed on their desk,

0:16:260:16:30

their suspicions were immediately aroused.

0:16:300:16:33

So what is it that we can see from this document?

0:16:330:16:34

As a result of putting the right-to-buy form in,

0:16:340:16:37

he also provided us with details of his mortgage provider.

0:16:370:16:41

Because we ask them as a matter of course,

0:16:410:16:43

how are you going to fund the property?

0:16:430:16:45

So in this case he provided a letter to us to tell us that he was going

0:16:450:16:48

to get a mortgage, but inadvertently we saw on this letter that it refers

0:16:480:16:53

to the borrower, Mr Charles Hahn,

0:16:530:16:56

and then it's got an address here in Aveley in South Ockendon, Essex.

0:16:560:17:00

So this raised an alarm bell as to, why is this on there?

0:17:000:17:04

This would appear to be his home address.

0:17:040:17:06

Investigators delved deeper to find out what connected a property in

0:17:060:17:10

South Ockendon to Charles Kimani-Hahn,

0:17:100:17:12

one of their tenants renting a council property in Blackheath.

0:17:120:17:16

What they discovered was alarming.

0:17:180:17:20

Charles Hahn was already a property owner

0:17:210:17:23

and therefore had no need of social housing.

0:17:230:17:27

We did a land registry check and, well, lo and behold,

0:17:270:17:30

Mr Charles Hahn is the owner of that property in South Ockendon

0:17:300:17:34

and he purchased it for £190,000 in July 2010.

0:17:340:17:38

To investigators, a worrying picture was beginning to emerge.

0:17:390:17:44

Between the time Mr Hahn applied for his Blackheath property, and the day

0:17:440:17:48

he was handed the keys, he had purchased a house in Essex.

0:17:480:17:52

He had neglected to inform the authorities.

0:17:520:17:55

When Mr Hahn applied to get a larger property,

0:17:550:18:00

he was living in a one-bedroom flat.

0:18:000:18:02

But between the time that he applied and the time that he got granted the

0:18:020:18:06

tenancy here, his circumstances had changed.

0:18:060:18:09

He'd bought a house, he had an alternative place to live.

0:18:090:18:12

He didn't actually need that social housing any more.

0:18:120:18:16

And it would have been his responsibility to tell us that he'd

0:18:160:18:19

bought a property and he hadn't told us.

0:18:190:18:22

The evidence confirmed investigators' suspicions.

0:18:220:18:25

While applying to rent a highly sought-after council property in

0:18:250:18:28

Blackheath, Charles Kimani-Hahn already owned another house.

0:18:280:18:34

This was fraud.

0:18:340:18:35

Investigators decided to take a closer look into Mr Hahn's background,

0:18:370:18:41

and began to uncover an extraordinary double life.

0:18:410:18:45

Mr Hahn had been claiming benefit for a number of years as an unemployed person,

0:18:450:18:51

or as a person who was sick.

0:18:510:18:53

But what we actually found was that he had full-time jobs,

0:18:530:18:57

he was working as a consultant,

0:18:570:19:00

he was a Health and Safety Executive at another

0:19:000:19:03

local authority in London,

0:19:030:19:06

the London Borough of Hammersmith and Fulham.

0:19:060:19:08

-Oh, my gosh.

-And was actually quite a high earner.

0:19:080:19:12

So he was working within the council?

0:19:120:19:14

Yes, within another council, yes.

0:19:140:19:16

What did that make you think when you heard that?

0:19:160:19:19

I mean, the cheek of it at the very start is crazy,

0:19:190:19:22

but to think he was working within the council,

0:19:220:19:25

knowing clearly that something like this is wrong.

0:19:250:19:27

Yes, well, the department that he was Health and Safety Executive for

0:19:270:19:31

-was the Department of Housing within that local authority.

-Oh, my gosh!

0:19:310:19:35

So he must have had an idea about everything

0:19:350:19:38

about what social housing was about and the importance of it.

0:19:380:19:41

When you saw this information, what did you think?

0:19:410:19:44

You must have been shocked.

0:19:440:19:45

Yes, really quite shocked

0:19:450:19:47

and it was sort of far-reaching, it had gone back quite a few years.

0:19:470:19:52

Yes, it was quite surprising.

0:19:530:19:55

When officers investigated further,

0:19:570:19:59

they discovered that through consultancy work with a number of

0:19:590:20:02

organisations, including the London Borough of Hammersmith and Fulham,

0:20:020:20:06

and the London Borough of Southwark, Mr Hahn was earning £55,000 a year.

0:20:060:20:12

And all the while claiming to be unemployed and in receipt of thousands of

0:20:140:20:18

pounds in benefits.

0:20:180:20:20

It wasn't just the right to buy and the tenancy fraud that was an issue for us now,

0:20:200:20:23

it was also the fact that he had been on unemployment benefit,

0:20:230:20:26

or employment support allowance as it's now called,

0:20:260:20:28

claiming to be an unemployed male whilst working and earning £55,000 a year in the council.

0:20:280:20:34

Not only that, we found that he'd also defrauded us on housing benefit

0:20:340:20:38

because at some point, he'd claimed benefit from the council property

0:20:380:20:41

we had given him and never declared again that he was working.

0:20:410:20:44

So we always thought, and had evidence to show, that he was an unemployed male.

0:20:440:20:49

Charles Kimani-Hahn had deliberately withheld information about his change of

0:20:490:20:53

circumstances - information he knew would have led to his application

0:20:530:20:57

for social housing being rejected.

0:20:570:21:00

Looking at all this evidence,

0:21:000:21:01

you can see it's a man who's been incredibly deceptive but very

0:21:010:21:05

methodical and systematic with the whole thing.

0:21:050:21:09

Yes, I mean, for a few years he pretended to be a man,

0:21:090:21:12

unemployed male with a family,

0:21:120:21:14

who needed help and assistance from the council.

0:21:140:21:17

We ourselves awarded him housing benefit,

0:21:170:21:19

which we've overpaid him £23,000 as a result of this fraud.

0:21:190:21:22

Yet this was a man that's living a double life, earning £55,000 a year

0:21:220:21:27

as an executive of a local council.

0:21:270:21:29

You know, this guy should have known better.

0:21:290:21:31

I just cannot believe, even now when I go through this with you,

0:21:310:21:34

that this guy really thought he was going to get away with it.

0:21:340:21:37

It almost feels like this is the type of fraud that's on your doorstep

0:21:370:21:40

because it was someone within the council

0:21:400:21:42

and you look at your colleagues and, you know, friends within work,

0:21:420:21:45

and think, well, you wouldn't do that, the person you're working with wouldn't do that,

0:21:450:21:48

but then it's someone within your industry.

0:21:480:21:51

No, you're right,

0:21:510:21:52

it was one of our own committing fraud, really.

0:21:520:21:54

So in essence, Mr Hahn was leading a double life, wasn't he?

0:21:570:22:02

Yes, that's it, in a nutshell, exactly that.

0:22:020:22:05

He had two lives.

0:22:050:22:06

Mr Hahn was arrested and, in the face of overwhelming evidence, pleaded guilty

0:22:070:22:12

to multiple offences under the Fraud Act and the Social Security Administration Act.

0:22:120:22:17

The judge interestingly, though,

0:22:170:22:19

had some pretty descriptive words on the case, didn't he?

0:22:190:22:23

He was quite passionate about it.

0:22:230:22:24

Yes, he did, he said, "In the summer of 2012,

0:22:240:22:28

"someone meeting you would see a well-presented head of health and safety

0:22:280:22:32

"at a large London Borough with a good salary.

0:22:320:22:35

"No-one would have guessed what a fraud you are."

0:22:350:22:37

On December 20, 2016,

0:22:390:22:42

Charles Kimani-Hahn was given a prison sentence

0:22:420:22:45

of two and a half years.

0:22:450:22:46

For the investigators who exposed his deception,

0:22:510:22:53

the punishment fit the crime.

0:22:530:22:56

We were pleased when the result came through and he was put away in

0:22:560:22:58

prison - I mean, that was a good result, really,

0:22:580:23:00

because he thoroughly deserved it.

0:23:000:23:02

Not only has he deprived people who genuinely need properties -

0:23:020:23:05

and a nice property, too - he's gone on to claim money from the council,

0:23:050:23:09

housing benefit and other things, council tax.

0:23:090:23:12

You know, I have to pay my council tax, and we all have to pay.

0:23:120:23:14

He didn't have to pay any of it because we thought he was unemployed.

0:23:140:23:18

In Greenwich, the actions of fraudsters like Charles Hahn have a direct

0:23:180:23:23

impact on the 16,000 people currently sat on the social housing waiting list.

0:23:230:23:28

So from your point of view, you see people who are desperate for housing,

0:23:310:23:35

desperate for accommodation, they're coming to you week in, week out.

0:23:350:23:40

How does that make you feel on a personal level?

0:23:400:23:42

And many of them I would consider to be the working poor.

0:23:420:23:46

They are people who work in retail,

0:23:460:23:50

many of them will be working on zero-hours contracts.

0:23:500:23:54

So a lot of them won't claim benefits because their earnings are going up

0:23:540:23:59

and down like a yo-yo.

0:23:590:24:01

And frankly, I could cry for them, you know, because I don't...

0:24:010:24:06

Sorry.

0:24:060:24:07

Is that ridiculous?

0:24:080:24:09

No, not in the slightest.

0:24:090:24:11

But that's the whole thing, isn't it?

0:24:110:24:13

It's an extremely emotional thing

0:24:130:24:15

and you just want the system to be working how it should be.

0:24:150:24:19

And that's why you're working tirelessly to make sure these people get the

0:24:190:24:23

accommodation they deserve.

0:24:230:24:25

It's sickening, isn't it?

0:24:250:24:27

Because here we are trying to do our best to make sure there is a fair

0:24:270:24:32

system for housing

0:24:320:24:34

and then you get people who are trying to subvert the whole process.

0:24:340:24:40

And so taking back our properties from these fraudsters and giving them to

0:24:400:24:45

those in genuine need is a priority for this council and every council

0:24:450:24:50

in the land.

0:24:500:24:51

With the demand for council properties on the increase,

0:25:020:25:05

it is now more important than ever to crack down on the fraudsters.

0:25:050:25:09

20 miles north of Greenwich in the London Borough of Havering,

0:25:110:25:14

almost 10% of the population live in poor or overcrowded conditions -

0:25:140:25:19

that's more than 9,000 households.

0:25:190:25:21

More and more people are struggling to be able to get a property and

0:25:230:25:26

support themselves in private rented accommodation and so, as a borough,

0:25:260:25:30

we are responsible for providing social housing where appropriate.

0:25:300:25:33

It's fraud investigator Zed Eagling-Rana's job

0:25:340:25:37

to make sure that Havering's

0:25:370:25:39

precious stock of social housing doesn't fall foul of the fraudsters.

0:25:390:25:43

We need to make sure that people aren't abusing the system,

0:25:440:25:47

it is in place for people that are in need

0:25:470:25:49

and it needs to be allocated where appropriate.

0:25:490:25:52

Where it's not, obviously,

0:25:520:25:53

that's where our job comes into place and we take great pride

0:25:530:25:56

in finding out where people are abusing the system,

0:25:560:25:59

and if we can rectify that, so it's allocated to those that do

0:25:590:26:02

actually genuinely need it.

0:26:020:26:04

Havering investigators work closely with the police,

0:26:060:26:09

sharing information to help crack down on the illegal use of

0:26:090:26:12

council properties.

0:26:120:26:14

And in April 2016,

0:26:150:26:17

they received information concerning a potential shocking misuse of one

0:26:170:26:21

of their flats.

0:26:210:26:22

We explained to the police force exactly what kind of things we were

0:26:230:26:27

looking for in terms of people not living at their properties,

0:26:270:26:31

council tenants. At this point they actually had a case already on the

0:26:310:26:35

tip of their tongues, so they actually explained to us about a warrant they'd

0:26:350:26:38

had granted by the courts to enter a property for cannabis cultivation

0:26:380:26:43

and with that, they suspected that the tenant actually wasn't living at

0:26:430:26:47

the property, either.

0:26:470:26:48

Zed and his team checked their tenancy records ahead

0:26:480:26:51

of the police raid.

0:26:510:26:52

So this is a one-bedroom property.

0:26:540:26:56

It's the top floor of a block of flats.

0:26:560:26:58

It's a perfect flat for an individual or a couple.

0:26:580:27:02

The tenant was there for 13 years.

0:27:020:27:04

To the best of the council's knowledge, the tenant was living there.

0:27:040:27:08

There'd been complaints about anti-social behaviour at the property,

0:27:080:27:12

so when the police executed the warrant, Zed decided to join them.

0:27:120:27:16

Often where we are trying to get hold of tenants, they're just not home.

0:27:180:27:21

That's because they are living their normal lives.

0:27:210:27:23

And so on this occasion, where we suspected -

0:27:230:27:26

and, actually, the police suspected -

0:27:260:27:27

that the tenant wasn't living at the property,

0:27:270:27:30

it was a perfect opportunity to actually go to the property and see what the circumstances were.

0:27:300:27:35

We made all the checks that we thought were necessary to ensure our

0:27:380:27:42

safety. Ultimately we're going there for a drug warrant,

0:27:420:27:46

not knowing what's behind that door.

0:27:460:27:48

We weren't really sure to what extent the property was being used

0:27:550:27:59

for cannabis cultivation and that added to the air of mystery.

0:27:590:28:02

By the time the police arrived, the tenant had long since vanished.

0:28:090:28:13

To get inside the flat,

0:28:130:28:15

they first had to deal with an iron gate barring their way.

0:28:150:28:18

Yes, so, as you can see, the iron gate is here

0:28:180:28:22

that the police removed from the property.

0:28:220:28:24

Could be a whole array of things,

0:28:240:28:25

but it might imply they want to be locked away from the world for

0:28:250:28:28

whatever reason that may be.

0:28:280:28:30

The big part of it was anticipation in terms of, you know, well, OK,

0:28:320:28:36

we've got the gate off,

0:28:360:28:37

we're about to go in and what are the police going to find?

0:28:370:28:40

Nothing could prepare Zed for the sight that greeted him once police

0:28:440:28:48

finally got into the flat.

0:28:480:28:50

A council property intended for someone in need of social housing

0:28:500:28:54

had been converted into a cannabis manufacturing plant.

0:28:540:28:58

When we initially went in there was lots of what appeared to be cannabis

0:28:580:29:03

residue all over the floor, the smell was dire.

0:29:030:29:05

We could see on the back of the actual front door itself they'd put

0:29:050:29:09

a sort of makeshift black bin bag over the top and Sellotaped it down

0:29:090:29:13

to sort of probably prevent any sort of smell from leaking out.

0:29:130:29:17

Going into the living room, that was sort of the moment where we kind of

0:29:190:29:23

knew what we were dealing with.

0:29:230:29:24

All the cannabis had actually been cropped,

0:29:240:29:27

it had actually been removed from the property,

0:29:270:29:29

but definitely not used as someone's regular living room.

0:29:290:29:32

The walls were layered with foil to keep the heat in.

0:29:320:29:36

There were fans and infrared lights.

0:29:360:29:38

Holes had been drilled into the walls to access

0:29:380:29:40

the main power supply.

0:29:400:29:41

This was a professional job.

0:29:430:29:45

The damage to the property in terms of being able to facilitate this was

0:29:450:29:49

phenomenal. And here is where you can see the actual electricity that

0:29:490:29:55

was being extracted for that.

0:29:550:29:56

And then finally, the main clincher for us,

0:29:570:29:59

and the reason why we were there, is the bedroom.

0:29:590:30:02

And I couldn't actually set foot into the bedroom properly.

0:30:020:30:05

And so the photo I've got just demonstrates well, there's no bed,

0:30:050:30:09

it's being used as a sort of set-up area.

0:30:090:30:12

I would highly doubt someone was sleeping in there.

0:30:120:30:15

When you're going to someone's property, even if it's privately let,

0:30:150:30:19

you're expecting a home to be there, someone's home that they live in.

0:30:190:30:23

And to go in and find a foiled-up room with fans and electricity being

0:30:230:30:28

extracted, it's not what you're expecting.

0:30:280:30:31

The borough of Havering repossessed the flat and restored it to its

0:30:340:30:37

previous condition, costing thousands of pounds.

0:30:370:30:40

Once the keys were handed back and we took full possession of the property,

0:30:420:30:46

we turned it back round, refurbished it and got it back up to a standard that was able

0:30:460:30:51

to be re-let and, you know,

0:30:510:30:53

since it's had a new tenant put in there and, you know, hopefully they're enjoying

0:30:530:30:58

the property for its actual proper use.

0:30:580:31:01

The tenants responsible for converting the flat

0:31:020:31:05

into a cannabis factory have yet to be traced.

0:31:050:31:07

Earlier we learnt how Mkhululi and Vanessa Mpofu

0:31:200:31:23

were awarded a two-bedroom property by

0:31:230:31:25

Wolverhampton Homes, after claiming to be homeless and sleeping on a

0:31:250:31:29

friend's floor.

0:31:290:31:30

They said that they had no bedroom of their own and because of that,

0:31:320:31:38

they were given homeless priority, so they were given emergency banding.

0:31:380:31:42

When a routine data match revealed the couple were already registered

0:31:430:31:47

at an address ten miles away in Walsall,

0:31:470:31:50

tenancy fraud officers needed to investigate further.

0:31:500:31:53

They re-examined documents,

0:31:550:31:56

including a questionnaire the couple filled out when they applied for the house.

0:31:560:32:01

One of the requirements on that questionnaire is to provide

0:32:010:32:04

ten years' worth of addresses, previous addresses.

0:32:040:32:07

We looked at the ten years' worth of addresses they provided

0:32:070:32:10

and there were so many of them, they had to continue on a blank sheet.

0:32:100:32:13

At first glance, it appeared that the couple had comprehensively

0:32:150:32:19

listed every property they'd lived in for the past decade.

0:32:190:32:22

But, tellingly, the address in Walsall was missing.

0:32:240:32:26

Either the council's database was inaccurate,

0:32:280:32:30

or Mkhululi and Vanessa Mpofu had withheld the truth.

0:32:300:32:34

A quick check with the housing association in Walsall confirmed their suspicions.

0:32:340:32:38

They confirmed that they'd actually had the tendency with them for quite

0:32:400:32:43

a while. And they were living there, not in Wolverhampton,

0:32:430:32:49

where they claimed to be living.

0:32:490:32:50

Once we discovered that they'd already had a tenancy in another borough,

0:32:500:32:54

we contacted the housing association who they were the tenants of and

0:32:540:32:59

asked if there was any particular reason as to why they couldn't have

0:32:590:33:02

lived at that property.

0:33:020:33:03

The housing association confirmed that there was no legitimate reason

0:33:050:33:09

why the couple couldn't remain in Walsall.

0:33:090:33:12

This was a clear case of tenancy fraud.

0:33:120:33:14

After claiming their family was homeless,

0:33:160:33:18

Mkhululi and Vanessa Mpofu had obtained a rare two-bedroomed council house, when,

0:33:180:33:23

in fact, they had somewhere to live, ten miles away in Walsall.

0:33:230:33:28

They obviously knew if they told us they already had a social housing

0:33:280:33:32

property, we wouldn't have looked at them as a priority case.

0:33:320:33:37

So they deliberately withheld the information.

0:33:370:33:39

When investigators dug deeper,

0:33:430:33:45

they began to suspect the couple weren't exactly in need of social housing.

0:33:450:33:49

We investigated their circumstances and we found out that they both worked for the NHS.

0:33:500:33:55

I believe that the one partner also wrote stories for the media.

0:33:550:34:00

So they had decent jobs.

0:34:000:34:03

It just reinforces what we've always said -

0:34:030:34:05

there is no such thing as a typical fraudster.

0:34:050:34:08

We've had people from all walks of life that we've investigated for

0:34:080:34:12

housing tenancy fraud.

0:34:120:34:13

We've had older people, professional people,

0:34:130:34:18

people that you just wouldn't expect would do something like that.

0:34:180:34:22

The couple had already withheld vital information on their tenancy

0:34:230:34:27

application. Investigators decided to take a closer look at the Mpofus.

0:34:270:34:32

We started to look at them

0:34:320:34:35

on any social media sites we could find that they were on and just

0:34:350:34:39

generally have a look at their lifestyle.

0:34:390:34:41

And when investigators examined the couple's online profile,

0:34:440:34:47

they were surprised by their lifestyle.

0:34:470:34:50

Looking at their social media profiles, it showed them,

0:34:500:34:53

they seemed to be travelling a lot, had a decent car.

0:34:530:34:57

They didn't seem to be lacking in funds.

0:34:570:35:00

They quite openly posted photographs of themselves abroad,

0:35:000:35:04

sipping champagne,

0:35:040:35:07

travelling to various countries

0:35:070:35:10

and living a jet-set lifestyle.

0:35:100:35:13

A couple who authorities considered homeless, and in dire need of social

0:35:140:35:18

housing, had lied to hide their true circumstances.

0:35:180:35:22

They claimed they were living in a property in Wolverhampton -

0:35:220:35:25

that was a complete lie.

0:35:250:35:27

They claimed they were

0:35:270:35:29

overcrowded, sleeping on the floor with their family -

0:35:290:35:33

that was a complete lie.

0:35:330:35:35

They left off the actual address where they were living.

0:35:350:35:39

The bank statements they provided were false and the wage slips they

0:35:390:35:43

provided were false.

0:35:430:35:45

It's really frustrating when you've got people telling lies about their

0:35:450:35:48

circumstances, especially when you know there were genuine people out

0:35:480:35:51

there that really needed that home,

0:35:510:35:54

and they cheated their way to get it.

0:35:540:35:56

The extreme nature of the couple's fraud was enough for investigators

0:35:590:36:03

to take unprecedented action.

0:36:030:36:06

On November 12th 2013,

0:36:060:36:08

Mkhululi and Vanessa Mpofu appeared before Wolverhampton magistrates,

0:36:080:36:13

accused of tenancy fraud.

0:36:130:36:15

It was very significant for us,

0:36:150:36:16

it was the first prosecution case we had ever dealt with.

0:36:160:36:20

So it was a big learning curve for us about how we had to go about

0:36:200:36:23

obtaining the evidence,

0:36:230:36:25

putting the evidence together and going forward to Magistrates' Court.

0:36:250:36:29

In the face of irrefutable evidence,

0:36:300:36:32

the couple pleaded guilty to offences under the Fraud Act.

0:36:320:36:37

Both were given community orders,

0:36:370:36:38

and Mr Mpofu was sentenced to 120 hours' unpaid work.

0:36:380:36:42

The couple have now handed the keys back and moved overseas.

0:36:440:36:47

We felt it was important to deal with it in this case, to make an example

0:36:510:36:55

that we just won't tolerate people committing housing tenancy fraud.

0:36:550:37:01

Since the couple's conviction,

0:37:010:37:03

the property has been re-let to another family on the social housing waiting list.

0:37:030:37:08

The family that was rehoused there, they, too, were in an emergency need

0:37:080:37:12

for that property and it was a genuine

0:37:120:37:14

case and we believe that the family are very happy in their new home.

0:37:140:37:17

When I look at the photographs in cases like this one,

0:37:180:37:22

it makes me feel a sense of satisfaction that the job we're doing is

0:37:220:37:28

designed to prevent this from happening and that we will do something and

0:37:280:37:33

we will take tenancy fraud very seriously.

0:37:330:37:35

Wolverhampton Homes have uncovered a total of 320 cases of tenancy fraud,

0:37:440:37:49

including unlawful sublets and false applications.

0:37:490:37:53

How would I describe people that do commit frauds

0:37:530:37:57

to get into council properties?

0:37:570:37:59

I'm afraid I'm just absolutely disgusted, disgusted with them.

0:37:590:38:03

People who are abusing the system by saying they're homeless,

0:38:030:38:06

saying they're sleeping on a friend's couch, it's terrible

0:38:060:38:09

because it is stealing away the properties for the people who do genuinely

0:38:090:38:13

need it, who are genuinely homeless.

0:38:130:38:15

I would shop a friend or a colleague if they were committing fraud.

0:38:150:38:20

Because there are people...

0:38:200:38:21

Well, housing fraud in particular,

0:38:210:38:24

because there are people out there who desperately need housing.

0:38:240:38:27

Young families are on the street.

0:38:270:38:29

Thanks to the tireless work of fraud investigators,

0:38:320:38:35

precious family homes are being reclaimed from tenancy cheats and re-let

0:38:350:38:39

to people for whom a home will make the world of difference.

0:38:390:38:43

This is Jenny Jones from Wolverhampton and her daughter, Millie.

0:38:440:38:48

Again, again!

0:38:480:38:51

Faster, faster!

0:38:510:38:52

Jenny was on the social housing waiting list for six months,

0:38:520:38:56

sleeping on an air bed in her parents' dining room.

0:38:560:38:59

So you were on the housing waiting list for six months.

0:39:020:39:05

Just describe to me what it was like for you and your family in those

0:39:050:39:10

darkest moment.

0:39:100:39:11

I felt ashamed that things had got to that point

0:39:110:39:16

and I hadn't been able to...

0:39:160:39:18

Things were out of my control.

0:39:180:39:20

I felt like I had nothing of my own.

0:39:200:39:22

That I was relying on my parents and it had come to the fact that I was

0:39:230:39:27

sleeping on an air bed.

0:39:270:39:28

How did this property come about in the end?

0:39:280:39:31

Well, I bid on the property, I hadn't come top of the list for it.

0:39:310:39:36

And then about three weeks after the bidding for the property had ended,

0:39:370:39:40

I had a call from the lettings team to say that, for whatever reason,

0:39:400:39:44

the person who was before me didn't want the property.

0:39:440:39:48

And I was next for it.

0:39:480:39:50

How did you feel?

0:39:500:39:52

Oh, I cried... I was so happy, I cried.

0:39:520:39:55

I think I made the guy on the phone feel slightly awkward.

0:39:550:39:59

I was just so happy, just run to my mum and dad, saying, "I've got one, I've got one."

0:39:590:40:04

What does it mean to you now, Jenny,

0:40:040:40:06

to have a place that you and Millie can call your home?

0:40:060:40:11

It means everything, it means everything to me.

0:40:110:40:14

It's ours, it's our little place,

0:40:150:40:18

it's where we can come back to if we've had a hard day at work,

0:40:180:40:22

a hard day at school, somewhere we can be happy,

0:40:220:40:26

where we can make memories and I can watch her grow up.

0:40:260:40:31

And to have my own responsibilities, I enjoy it,

0:40:310:40:34

I enjoy taking responsibility for paying the bills and to know that

0:40:340:40:39

I've paid those bills, that's mine now, I own it, this is mine.

0:40:390:40:44

It just does wonders for your self-esteem, I think,

0:40:440:40:46

to know that you've got that place

0:40:460:40:49

that's nobody else's, just yours.

0:40:490:40:51

Well, it's lovely to see someone who obviously did need it, like yourself,

0:40:510:40:55

in a lovely property.

0:40:550:40:56

It would be great to have a little look around.

0:40:560:40:58

OK, yes.

0:40:580:41:00

This is the lounge.

0:41:030:41:04

It's a great space, isn't it?

0:41:040:41:05

Feels like a proper home.

0:41:050:41:08

Yes, I do try to make it nice and homely.

0:41:080:41:12

-Would you like to see upstairs?

-Let's do it.

0:41:120:41:14

And here is Millie's room.

0:41:170:41:19

Oh, now this is lovely.

0:41:190:41:21

It's just lovely and colourful.

0:41:210:41:23

-Yes, it's her space.

-That's it, it's her space.

0:41:230:41:27

-I bet she has great fun in here.

-Oh, she does, she does.

0:41:270:41:30

So, yes, she normally has all her toys everywhere and it's just somewhere

0:41:300:41:34

where she can come after school or when she gets up in the morning and

0:41:340:41:38

just create her own little world and her own little stories in here.

0:41:380:41:43

And it's a good-sized space for her as she gets older.

0:41:430:41:46

I did think that, as well.

0:41:460:41:48

When she does get older and she wants less space for toys and more space for wardrobes, TVs.

0:41:480:41:53

That's it, us girls like a good wardrobe.

0:41:530:41:56

It is a really good size.

0:41:570:41:59

For Jenny, social housing meant more than just a roof over her head.

0:42:010:42:05

It also provided a new direction professionally.

0:42:050:42:08

To gain a council properly has changed my life immensely.

0:42:100:42:14

Not only has it got me and Millie out of a terrible situation,

0:42:150:42:20

and it's meant we've had a place of our own,

0:42:200:42:23

but it's also opened up opportunities of work to me.

0:42:230:42:27

So I was able to gain employment with the council, so I now work for them.

0:42:270:42:31

And I help other tenants get back into work, like they did with me.

0:42:310:42:35

To give me a home, my daughter a home, a roof over our heads,

0:42:370:42:42

and then to give me a job where I can support myself and my daughter,

0:42:420:42:46

I will be eternally grateful.

0:42:460:42:48

It's my fresh start, my new chapter.

0:42:510:42:55

It's everything that a mother would want for her child.

0:42:560:43:01

It symbolises so much more than just somewhere to live.

0:43:010:43:05

Social housing can make a real, tangible difference to people's lives.

0:43:090:43:13

And that's why the work of housing investigators is so vitally important,

0:43:130:43:17

as they track down the tenancy cheats,

0:43:170:43:20

reclaim properties and give them to people who really need them.

0:43:200:43:23

Download Subtitles

SRT

ASS