London Borough of Croydon (202403515)

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Decision

Case ID

202403515

Decision type

Investigation

Landlord

London Borough of Croydon

Landlord type

Local Authority

Occupancy

Secure Tenancy

Date

28 October 2025

Background

  1. The resident lives in a house. The resident reported to the landlord that her son’s foot had gone through the ceiling when he was up in the loft. She also reported damp and mould.

What the complaint is about

  1. The complaint is about repairs to a hole in the ceiling, and damp and mould at the resident’s property.
  2. We have also considered the landlord’s handling of the associated complaint.

Our decision (determination)

  1. The landlord made an offer of redress which, in our opinion, resolved errors in its handling of:
    1. Repairs to the hole in the ceiling and damp and mould at the resident’s property.
    2. The associated complaint.

We have not made orders for the landlord to put things right.

Summary of reasons

  1. There were delays in the damp and mould and ceiling repairs. The ceiling has now been repaired and the landlord carried out repairs to resolve damp and mould. The landlord offer of compensation was inline with our remedies guidance, which sets out our approach to compensation.

Putting things right

Where we find service failure, maladministration or severe maladministration we can make orders for the landlord to put things right. We have the discretion to make recommendations in all other cases within our jurisdiction.

Recommendations

Our recommendations are not binding, and a landlord may decide not to follow them.

Our recommendations

We recommend that the landlord issues guidance to its residents to explain that it is not responsible for installing floorboards in the lofts of its properties but that residents can do so if they wish to. It should also explain that residents should not access lofts unless they have installed floorboards.

We recommend that the landlord pays the resident the £450 it has offered her through its complaints process for its failures in its handling of the repairs to her property, if it has not done so already. The Ombudsman’s finding of reasonable redress is made on the basis that this compensation will be paid.

Our investigation

The complaint procedure

Date

What happened

4 May 2023

The resident complained to the landlord. She said that there was a hole in a cupboard ceiling in her son’s bedroom which she had reported in January 2023. She told the landlord that her son was allergic to the dust coming down from the loft and she had had to give her son her bedroom.

22 June 2023

The resident complained again to the landlord. She said the landlord had completed works to the ceiling but had not repaired the rotten floorboards in the loft. She said she wanted compensation.

4 August 2023

The landlord issued its stage 1 complaint response. It apologised to the resident for its poor customer service. It said it had recently changed contractors, and it would contact the resident to arrange a suitable date for its new contractors to attend her property.

29 September 2023

The landlord issued a further stage 1 complaint response. It said the resident had informed it that the hole in the ceiling was due to her son’s foot going through rotten floorboards in the loft. She had also reported that there was damp and mould in her property. It apologised and reiterated that it would ask its new contractor to contact her. It said it would discuss compensation internally and contact the resident once it had a confirmed offer.

10 January 2024

The resident escalated her complaint to stage 2 of the landlord’s complaint procedure. She said it had not offered her any compensation.

13 August 2024

We contacted the landlord to ask it to provide the resident with a stage 2 response by 20 August 2024 as the resident had not heard anything further from it since her request to escalate the complaint.

28 August 2024

The landlord asked the resident to allow it until 10 September 2024 to respond to her stage 2 complaint.

24 September 2024

The landlord issued its stage 2 complaint response. It acknowledged that its stage 1 complaint response did not go into sufficient detail as to what repairs it had asked its contractor to carry out, nor did it provide a timeframe for when the repairs would be done.

It said the hole in the ceiling had been repaired. It apologised for the distress caused to her son, however it said he should not have been up in the loft as there were no floorboards installed up there. It said it did not provide floorboards in the lofts of any of its properties. It said that if the resident wanted to store belongings in the loft it was her responsibility to install floorboards.

It advised an inspection it had carried out on 6 September 2024 had not identified any mould in the bathroom and had found that the bathroom extractor fan was working correctly. It said it had renewed the sealant round the front bedroom window on 12 September 2024 and would renew the lounge fanlight window on 27 October 2024.

It awarded the resident £450 compensation broken down as follows: £150 for its failure to inadequately investigate her complaint at stage 1 and £300 for the delays in its complaint handling. 

Referral to the Ombudsman

On 6 November 2024, the resident complained to the Ombudsman. She said she was unhappy with the compensation. She said the landlord had not considered the impact the delay in it repairing the ceiling had had on her or her son, particularly given her son’s allergies to dust. 

What we found and why

The circumstances of this complaint are well known by the parties involved, so it is not necessary to detail everything that’s happened or comment on all the information we’ve reviewed. We’ve only included the key information that forms the basis of our decision of whether the landlord is responsible for maladministration.

Complaint

The landlord’s handling of repairs to a hole in a ceiling, and damp and mould at resident’s property.

Finding

Reasonable redress

  1. The landlord repaired the ceiling 4 days after the resident reported it, which was in line with its repair policy timescale of 5 working days for urgent repairs. This was reasonable as there was no indication that the ceiling was at risk of collapse, so whilst urgent, it would not be an emergency repair.
  2. The landlord made good the ceiling on 5 May 2023. This was outside its timescales for completing routine repairs of 28 working days. This delay will have likely caused the resident and her son, time, trouble, and inconvenience as they were kept waiting for the landlord to fully repair the hole in the ceiling for longer than they should have been.
  3. It was reasonable for the landlord to advise the resident that neither she or her son should enter the loft nor store belongings up there as the loft had not been fully floorboarded. It was also reasonable for it to advise the resident that if she wanted floorboards in the loft, it was her responsibility to install these. Landlords are not obliged to provide floorboards in lofts as loft spaces are not considered liveable spaces in the way that kitchens, bathrooms, living rooms or bedrooms are. The landlord’s obligation was to maintain the property not to improve it, and floorboards in the loft would be considered an improvement.
  4. The resident told the landlord that her son was allergic to dust and that the dust coming down from the loft into his bedroom was putting his health at risk. We do not doubt the  resident’s comments about her son’s health. However, it would be fairer, more reasonable and more effective for the resident to make a personal injury claim for any injury caused. The courts are best placed to deal with this type of dispute as they will have the benefit of independent medical advice on the cause of any injury and how long it will last. We have not investigated this further. We can decide if the landlord should pay compensation for distress and inconvenience.
  5. The resident did not raise issues with damp and mould in either her stage 1 or stage 2 complaints. It appears that she may have raised concerns about damp and mould when the landlord called her to discuss her stage 2 complaint. Upon the resident reporting damp and mould to it, the landlord acted swiftly in carrying out a damp and mould inspection of the property on 6 September 2024. It acted reasonably in renewing sealant round a bedroom window and replacing the fanlight window in the lounge within its timescales for completing routine repairs of 28 working days.
  6. Since the landlord’s stage 2 complaint response, the resident has raised further issues with the landlord including the bathroom extractor fan not functioning properly, the shower not working and drainage problems in the garden. We have no power to investigate complaints which the landlord has not had the chance to put right first. If the resident wishes to pursue these issues she can complain to the landlord. She may be able to refer her complaint to the Ombudsman for a separate investigation if she remains dissatisfied once it has exhausted the landlord’s complaints process.
  7. We have identified that there were delays in the landlord completing the repairs to the ceiling. However, the total compensation of £450 the landlord has offered the resident was reasonable. This offer is in line with the Ombudsman’s remedies guidance. We accept that the landlord specifically offered the compensation in relation to its complaint handling errors, however, the overall compensation it offered the resident is sufficient to recognise the delay in it repairing the ceiling as well as the errors in its complaint handling.

Complaint

The handling of the complaint

Finding

Reasonable redress

  1. The landlord’s complaint process has 2 stages. At stage 1 it will provide a response in 10 working days. At stage 2 it will provide a response in 20 working days. The landlord’s complaint handling policy states that if it needs more time to respond to complaints, at stage 1, an extension of time at stage 1 will not exceed 10 working days, and at stage 2 an extension will not exceed 20 working days.
  2. The resident first complained to the landlord on 4 May 2023. We have not seen evidence that the landlord responded to this initial complaint. The resident complained again on 22 June 2023. The landlord issued a stage 1 complaint response on 4 August 2023 and issued a further stage 1 complaint response on 29 September 2023. Both these complaint responses were outside the landlord’s timescales of 10 working days for responding to stage 1 complaints. These delays will have likely caused the resident time, trouble and inconvenience.
  3. The resident escalated her complaint to stage 2 of the landlord’s complaint procedure on 10 January 2024. The landlord told the resident it would escalate her complaint but failed to respond. We contacted the landlord on 13 August 2024 and asked it to respond by the 20 August 2024. The landlord acted in line with its complaints policy in asking the resident to give it until 10 September 2024 to respond. However, it did not issue a response until 24 September 2024. Overall, there was a delay of over 7 months in the landlord responding to the resident’s stage 2 complaint. This will have caused further time, trouble, and inconvenience for the resident as she was waiting significantly longer than she should have been for a response and she had to contact the Ombudsman for assistance in progressing her complaint.
  4. It was appropriate that in its stage 2 complaint response, the landlord acknowledged that there had been failings in its stage 1 complaint response. It acted reasonably in accepting that it had not set out what repairs it would carry out nor when it would do so. The landlord has offered the resident £450 compensation for its errors in its handling of the complaint. As noted above, this compensation is reasonable redress for the landlord’s failings in this case, and therefore it need not do anything further in this regard.