https://www.gov.uk/benefit-cap The cap is first applied by reducing housing benefits. Private landlords, receiving housing benefits direct because of benefits tenants previously nicking their housing benefits, will actually be bearing the brunt. Blair legislated that benefits tenants of private landlords must be entrusted to handle their own rent money. Landlords could only get paid direct after the tenants had pocketed two months rent money. Hence benefits tenants said Ta and across the land they nicked two months rent. What is the difference between that and stealing cash from the landlord ? Or defrauding benefits. But Blair legislated it was not a crime. IDS has taken a leaf out of Blair's book. Talk a good fight about dealing with dependency culture then pass the load to what he hopes are the broadest shoulders. The hardworking landlords. If landlords, affected by this, think of themselves as a business then the fact would be that to continue trading would be unlawful. To delay returning keys to lenders and winding up would be unlawful. The longer the delay the greater the negative equity or reduction of equity will be. I await with interest as the scheme rolls out and in the Autumn it is followed by Universal Credit when Councils and Housing Assns will join private landlords in being unable to get the rents paid.