Housing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT?

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Housing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT?"

Transcription

1 Housing and Public Protection Department Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? Wrexham County Borough Council's Homelessness Service may be able to help

2 Alternative Languages or Formats Would you like to receive this leaflet in a different format - for example Braille, cassette or text only copy or in a different language? If so, please contact the Homelessness Team Telephone number: or the Strategic Housing Services, Ruthin Road, Wrexham, LL13 7TU. Fax number: Minicom:

3 ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? As a private tenant you have to pay rent to your landlord in return for living in your home. Rent is normally paid weekly or monthly, but can be paid for other periods. The amount of rent you pay normally depends on what you agreed at the start of the tenancy. It is important to keep records of your rent payments by getting receipts or keeping bank statements and cheque stubbs, in case there is any dispute. If you don't pay the rent your landlord may evict you. However, even if you are having problems paying it may be possible to avoid being evicted if you act quickly. WHAT ARE RENT ARREARS? Rent is the amount of money your landlord charges in return for allowing you to live in the accommodation. If you do not pay your rent you still owe your landlord the money. The money you owe is known as rent arrears. If you don't pay the rent the landlord will have the right to evict you. In many cases though, there are things you can do to avoid losing your home.

4 PAY WHAT YOU CAN It is worth paying what you can even if your landlord tells you that you must pay the whole amount. If your landlord refuses to accept partial payment, keep it in a separate account and keep offering to pay it. PAY ARREARS GRADUALLY Your landlord may agree to you paying the arrears back over a period of time rather than in one lump sum. Try to agree an amount that you can afford with your landlord. PRIORITISE YOUR FINANCES You will need to work out your income and expenditure as accurately as possible. You may be able to maximise your income depending on your circumstances. This may be by: Claiming benefits such as housing benefit, council tax benefit or working family tax credit. Asking another family member to make a financial contribution Doing extra hours at work Reducing payments towards other debts, such as credit cards.

5 Debts such as rent arrears, where you risk losing your home, are much more important than debts such as catalogue payments, where you risk losing your credit rating. Seek advice from the Citizens Advice Bureau for assistance in dealing with your debts. HOUSING BENEFITS You may be entitled to Housing Benefit or Discretionary Housing Payments. Contact the Homeless Prevention Officers for assistance. Also, contact them if you are having problems with your housing benefit payments, as they may be able to help get it sorted. WHAT HAPPENS IF I DON'T PAY? If you fail to pay your rent your landlord could make an arrangement with you to pay off your arrears. However, he could choose to evict you. Your landlord has to follow a specific legal procedure to evict you and this varies with the type of tenancy you have.

6 ASSURED SHORTHOLD AND ASSURED TENANTS Most private tenancies are assured or assured shorthold. If you owe more than eight weeks rent arrears your landlord can serve a notice and apply to the court for an eviction order. If you owe more than eight weeks rent at the time of the notice and at the time of the court hearing, the court has to grant the order. It does not matter why you cannot pay the rent. You will have to leave the property when the eviction order comes into effect. The court may also make an order allowing your landlord to get the rent money you owe by taking the money out of your salary or deducting it from your benefit. IF YOU SHARE YOU HOME WITH YOUR LANDLORD Your landlord will only have to give you reasonable notice before you will be required to leave. The notice does not have to be in writing or for a specific period of time unless this is set out in your contract.

7 BASIC RULES TO REMEMBER When dealing with debts you should always follow these basic rules: If you make an offer of repayment make sure that it is a realistic offer that you can keep to. If you receive benefits, check that you are receiving your maximum entitlement. Do not borrow more money to pay off your debts without thinking about it very carefully. Borrowing more money may only get you more into debt and you may be charged very high rates of interest. Decide which debts are the most important. Make sure that you tackle the priority debts first. Priority debts are usually those where you could lose your home, have your gas, water, electricity disconnected or result in you going to prison. Always contact your landlord and other creditors (people you owe money to) straight away and let them know that you are having difficulties. Always reply to letters from the court and attend all court hearings so that you can give your version of events. Always make sure the court is fully aware of your financial situation.

8 Useful Contact Numbers Citizen's Advice Bureau, 35 Grosvenor Rd, Wrexham Tel Wrexham County Court, 2nd Floor, Crown Buildings, 31 Chester Street, Wrexham, Tel Shelter Cymru, 23 Abbots St, Wrexham Tel Homeless Prevention Team Wrexham Council Offices, Lambpit Street, Wrexham Tel / This information given in this leaflet is general guidance only and should not be treated as a complete and authorised statement of the law. It contains basic information only and is no substitute for seeking individual advice.

Dealing with debt - toolkit Information from Southampton City Council. Step 5. Tackle the most important debts first

Dealing with debt - toolkit Information from Southampton City Council. Step 5. Tackle the most important debts first Dealing with debt - toolkit Information from Southampton City Council Step 5. Tackle the most important debts first Step 5. Tackle the most important debts first priority creditors. Some debts are more

More information

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments Southend-on-Sea Borough Council Department for Corporate Services Revenues & Benefits Service Housing Benefit A Guide to Overpayments A guide to Overpayments This leaflet is designed to explain the following:

More information

Dealing with Debt. www.waverley.gov.uk/housingoptions

Dealing with Debt. www.waverley.gov.uk/housingoptions Dealing with Debt www.waverley.gov.uk/housingoptions You Are Not Alone These days, lots of people are in debt for different reasons and many people find their debts difficult to manage. The important thing

More information

GUIDE TO DEALING WITH DEBT

GUIDE TO DEALING WITH DEBT GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What

More information

How to get help if you can t pay your bill

How to get help if you can t pay your bill How to get help if you can t pay your bill Code of Practice 1 - Code of Practice Please tell us straight away if you are having difficulty in paying. We are always happy to help. Call our customer helpline

More information

DEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all

DEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all Self-help guide... DEBT Dealing with DEBT abc www.broadland.gov.uk IN TRAN communication for all Where to get ADVICE on debt problems If you feel that you have money problems that are too difficult to

More information

A Shelter guide. Rent arrears. How to cope with rent arrears

A Shelter guide. Rent arrears. How to cope with rent arrears A Shelter guide Rent arrears How to cope with rent arrears Rent arrears This guide is for people who are having problems paying their rent, or who are at risk of losing their home because they owe rent

More information

Make your budget work for you

Make your budget work for you Welfare Reform Make your budget work for you www.milton-keynes.gov.uk/welfare-reform Make your budget work for you Why budget It s always a good idea to keep track of your money. Budgeting is keeping track

More information

A Self Help Guide to Money Problems

A Self Help Guide to Money Problems A Self Help Guide to Money Problems DERBY CITY COUNCIL Money Advice Service If you re in debt and don t know which way to turn, then this guide will help you. Act now! Help yourself by following these

More information

FACT SHEET. Money matters. Paying bills

FACT SHEET. Money matters. Paying bills 12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies

More information

Guidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears

Guidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears Guidance For use in the United Kingdom Letter regarding mortgage debt or arrears Contents Purpose of this document What can you do about mortgage arrears? Mortgage rescue schemes Selling your property

More information

Dealing with a drop in income

Dealing with a drop in income Dealing with a drop in income 2 Royal College of Nursing Dealing with a drop in income 3 When you are faced with a change of circumstances, such as a reduction in your working hours, ill health, loss of

More information

Dealing with debt. finding your feet. Advice for you if you are in debt

Dealing with debt. finding your feet. Advice for you if you are in debt Dealing with debt finding your feet Advice for you if you are in debt Help yourself deal with your debt Even though it may seem that there is little you can do to help yourself, in fact there is more than

More information

Housing & Council Tax Benefit A Landlord s Guide

Housing & Council Tax Benefit A Landlord s Guide Housing & Council Tax Benefit North Yorkshire Training Group Benefits Leaflet also available in large print Contents: Part 1 - About this booklet Part 2 - What is Housing Benefit and Council Tax Benefit

More information

Help us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet

Help us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Debt Recovery Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Help us to help you The advice in this leaflet is very important. It incorporates

More information

Private tenancies: paying your rent

Private tenancies: paying your rent A guide Private tenancies: paying your rent Knowing your rights and accessing help with your rent 1 Private tenancies paying your rent This guide is for people who rent their homes from private landlords

More information

Government mortgage rescue scheme What will it mean for me and my family?

Government mortgage rescue scheme What will it mean for me and my family? Government mortgage rescue scheme What will it mean for me and my family? What is mortgage rescue? Mortgage rescue is help that the Government is offering if: you are struggling to keep up with your mortgage

More information

Get advice now. Are you worried about your mortgage?

Get advice now. Are you worried about your mortgage? Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, or you think it will be difficult to pay more when your fixed-rate deal ends, act now to stop your situation

More information

1 Don t ignore the problem

1 Don t ignore the problem Sometimes when your circumstances change, for example you work fewer hours, become sick, separate/ divorce, receive a cut in your pay, lose your job or have high bills to pay, life seems impossible. Don

More information

Do you rent, or are you thinking of renting, from a private landlord? housing

Do you rent, or are you thinking of renting, from a private landlord? housing Do you rent, or are you thinking of renting, from a private landlord? housing This booklet does not provide an authoritative interpretation of the law; only the courts can do that. Nor does it cover every

More information

Budgeting and debt advice handbook for residents

Budgeting and debt advice handbook for residents Budgeting and debt advice handbook for residents Step-by-step guide Contents Introduction...................... 3 Income maximisation List your income Can you increase your income? Income..........................

More information

Managing your debt. How to repay your debt and stay out of debt in the future

Managing your debt. How to repay your debt and stay out of debt in the future Managing your debt How to repay your debt and stay out of debt in the future ALLA0022 APRIL 2007 Repaying your debt If you re on income support we usually take a set amount out of your payments every pay

More information

Our Code of Practice for Domestic Customer Debt

Our Code of Practice for Domestic Customer Debt Our Code of Practice for Domestic Customer Debt 2104/2/2011 1 Introduction This is our Code of Practice for dealing with domestic customer debt. It gives details on paying your bills, and states what we

More information

RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY

RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY Approved by Board 21 July 2009 1. Introduction 1.1 This Policy sets out the principles and approach to be taken in making sure that rent and service charge

More information

EVICTION FOR FAILURE TO PAY RENT

EVICTION FOR FAILURE TO PAY RENT G11 EVICTION FOR FAILURE TO PAY RENT Interpretation Guidelines are intended to assist the parties in understanding the Board s usual interpretation of the law, to provide guidance to Members and promote

More information

Debt Advice Self Help Pack

Debt Advice Self Help Pack Central Bedfordshire Council www.centralbedfordshire.gov.uk Debt Advice Self Help Pack Do you find there is not enough money to pay your bills each week/month? Has your credit become debt? Are your outgoings

More information

This self help guide will assist you in sorting out your debts and put you back in control of your finances.

This self help guide will assist you in sorting out your debts and put you back in control of your finances. This self help guide will assist you in sorting out your debts and put you back in control of your finances. Part of the Bolton Family DEBT This self help guide will assist you in sorting out your debts

More information

Debt advice leaflet. You can find all the 'your housing options' leaflets at www.dacorum.gov.uk/housing or contact Housing Options for a copy.

Debt advice leaflet. You can find all the 'your housing options' leaflets at www.dacorum.gov.uk/housing or contact Housing Options for a copy. Debt advice leaflet You can find all the 'your housing options' leaflets at www.dacorum.gov.uk/housing or contact Housing Options for a copy. Debt advice leaflet Dealing with your debts can be difficult

More information

Repossession Advice Line: 0844 8842721 REPOSSESSION GUIDE. Property Solutions Tel: 0844 884 2721 Email:info@sellyourhomequickly.co.

Repossession Advice Line: 0844 8842721 REPOSSESSION GUIDE. Property Solutions Tel: 0844 884 2721 Email:info@sellyourhomequickly.co. REPOSSESSION GUIDE Property Solutions Tel: 0844 884 2721 Email:info@sellyourhomequickly.co.uk 1 Disclaimer This Repossession Guide is copyrighted by Property Solutions. The contents of this report may

More information

Civil legal aid information for applicants

Civil legal aid information for applicants Civil legal aid information for applicants This leaflet covers both civil legal aid and advice and assistance Solicitors you must give this leaflet to clients before they complete a financial eligibility

More information

Mansfield District Council. Local Housing Allowance Direct Payment Strategy

Mansfield District Council. Local Housing Allowance Direct Payment Strategy 1. Introduction Mansfield District Council Local Housing Allowance Direct Payment Strategy Local Housing Allowance (LHA) was introduced nationally from 7 th April 2008. LHA is the way of working out Housing

More information

are you in danger of losing your home?

are you in danger of losing your home? are you in danger of losing your home? Mortgage to Rent Scheme help is at hand... We want to make it as easy as possible for you to get information about Mortgage to Rent. You can ask for this document

More information

The Trust. Tenancy Management Policy. Neighbourhood Team. Draft: Final. Effective Date: February 2015. Affected Teams: All

The Trust. Tenancy Management Policy. Neighbourhood Team. Draft: Final. Effective Date: February 2015. Affected Teams: All The Trust Tenancy Management Policy Neighbourhood Team Draft: Final Effective Date: February 2015 Affected Teams: All Peaks & Plains Tenancy Management Policy February 2015 Page 1 of 12 TABLE OF CONTENTS

More information

Code of practice for recovering domestic water debt

Code of practice for recovering domestic water debt Code of practice for recovering domestic water debt Contents 2 What to do if you can t pay your bill 3 How we can help 5 How to pay 7 What if you don t pay the bill or don t keep to an agreement? 9 What

More information

Government mortgage rescue scheme What will it mean for me and my family?

Government mortgage rescue scheme What will it mean for me and my family? Government mortgage rescue scheme What will it mean for me and my family? What is mortgage rescue? Mortgage rescue is help that the Government is offering if: you are struggling to keep up with your mortgage

More information

Build your skills for managing your money

Build your skills for managing your money Managing your debts Part 1 This task has three parts to it. Part 1 This is where you will find information and activities to build your numeracy skills to help you when you owe money, and when you need

More information

Dealing with Debt Information on how to budget

Dealing with Debt Information on how to budget Dealing with Debt Information on how to budget quality homes in great communities on behalf of If you would like to speak to someone about this information in your own language please visit your estate

More information

What will happen to my Home. Information about your home when bankruptcy occurs.

What will happen to my Home. Information about your home when bankruptcy occurs. What will happen to my Home Information about your home when bankruptcy occurs. This leaflet covers the questions you are most likely to want answered about your home if you are made bankrupt. 1. Will

More information

Tenancy deposit protection: Enforcement pack

Tenancy deposit protection: Enforcement pack Tenancy deposit protection: Enforcement pack CONTENTS Page 1. The Essentials 2 An outline of what this pack is about 2. Who can claim? 3 Easy checklist to find out if you are eligible to claim 3. Who is

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New edition July 2009 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux

More information

Managing. debt. domestic customers. the collection of. debt for. Our code of practice:

Managing. debt. domestic customers. the collection of. debt for. Our code of practice: Managing debt Our code of practice: the collection of debt for domestic customers The water services we provide to your property have to be paid for, but we know that finding the money to pay bills can

More information

Help yourself to sort out your debts

Help yourself to sort out your debts Help yourself to sort out your debts You owe money on your credit card, your bank account is overdrawn and you re struggling to pay back a loan what can you do? This leaflet gives you some ideas. For more

More information

Problems paying your mortgage

Problems paying your mortgage Problems paying your mortgage What you need to do now and how to get back on track Steps to take now What your options are Get free impartial advice The Money Advice Service is independent and set up by

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New edition July 2010 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux

More information

Options for dealing with debt

Options for dealing with debt Options for dealing with debt This factsheet explains what you can do if you cannot afford your debts. It gives an overview of the options that you may have, but is not a suitable alternative to speaking

More information

Tower Hamlets Housing Options Service Housing Advice

Tower Hamlets Housing Options Service Housing Advice Tower Hamlets Housing Options Service Housing Advice For homeowners and private tenants Housing Advice Contact details Housing Advice Team, Albert Jacob House 62 Roman Road, Bethnal Green, London E2 0PG

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

MONEY WORRIES? A SELF HELP GUIDE TO DEALING WITH YOUR DEBTS. Contents

MONEY WORRIES? A SELF HELP GUIDE TO DEALING WITH YOUR DEBTS. Contents MONEY WORRIES? A SELF HELP GUIDE TO DEALING WITH YOUR DEBTS Contents 1 Introduction page 3 Checking that the money is owed 4 Working out your budget Income Expenditure 4 Negotiating with Priority creditors

More information

A guide to RENT ARREARS

A guide to RENT ARREARS A guide to RENT ARREARS An Information Booklet INTRODUCTION The importance of Regular Rent Payment Cadder Housing Assocation is responsible for the management and maintenance of approximately 650 properties.

More information

Income Collection Policy

Income Collection Policy Income Collection Policy Author: Gordon Steed, Tenancy Services Manager Version 1.1 October 2014 Glossary Court costs Forfeiture Key Performance Indicator (KPI) Lease Money judgment Possession order Rent

More information

HOUSING BENEFIT AND COUNCIL TAX BENEFIT

HOUSING BENEFIT AND COUNCIL TAX BENEFIT benefits A5 booklet - HOW TO CLAIM 14 v1.qxp 16/11/2007 09:15 Page 1 How to Claim Benefit Number 14 in a series of benefit information leaflets 14 Phone: (01234) 221797 HOUSING BENEFIT AND COUNCIL TAX

More information

Money Advice Pack PB 1

Money Advice Pack PB 1 Money Advice Pack 1 Introduction Many people suffer difficulties with money at some time in their lives. Money problems can be caused by a variety of reasons, such as losing your job, illness, decreased

More information

Claiming Housing Benefit if you sell your home and rent it from the new owner

Claiming Housing Benefit if you sell your home and rent it from the new owner 9 Claiming Housing Benefit if you sell your home and rent it from the new owner Claiming Housing Benefit if you sell your home and rent it from the new owner Contents 1 I won t be able to afford the rent

More information

Keeping your home: home owners

Keeping your home: home owners Keeping your home: home owners What help can I get to pay my mortgage? What should I do if I can t pay my mortgage? Can a lender repossess my home? provided by the Citizens Information Board provided by

More information

Application for a Discretionary Housing Payment

Application for a Discretionary Housing Payment RBBNBDHP Benefit Ref : Date of issue:... To :........ Application for a Discretionary Housing Payment Please return this form by post to: Harrogate Borough Council, Benefit Services, PO Box 787, Harrogate,

More information

Statutory Demand under section 268(1)(a) of the Insolvency Act 1986. Debt for Liquidated Sum Payable Immediately

Statutory Demand under section 268(1)(a) of the Insolvency Act 1986. Debt for Liquidated Sum Payable Immediately Rule 6.1 Statutory Demand under section 268(1)(a) of the Insolvency Act 1986. Debt for Liquidated Sum Payable Immediately Form 6.1 Notes for Creditor If the creditor is entitled to the debt by way of assignment,

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or

More information

DEALING WITH YOUR DEBT Information pack BRISTOL

DEALING WITH YOUR DEBT Information pack BRISTOL DEALING WITH YOUR DEBT Information pack BRISTOL Bristol Citizens Advice Bureau Contents Welcome to the Bristol Citizens Advice Bureau Dealing with your debt Pack 3 Basic debt advice 4 Income and expenditure

More information

Phone: 01709 336065 Website: www.rotherham.gov.uk. Request for Discretionary Housing Payment

Phone: 01709 336065 Website: www.rotherham.gov.uk. Request for Discretionary Housing Payment Rotherham Metropolitan Borough Council Housing and Council Tax Benefit Section Riverside House Main Street Rotherham S65 1UF Phone: 01709 336065 Website: www.rotherham.gov.uk Name and address Reference

More information

Are you in danger of losing your home?

Are you in danger of losing your home? Are you in danger of losing your home? Help is at hand. Mortgage to Rent scheme Mortgage to Shared Equity scheme The Scottish Government Home Owners Support Fund What are the Mortgage to Rent and Mortgage

More information

getting your finances back on track

getting your finances back on track ABOUT US DEBT GUIDANCE DEBT GUIDANCE getting your finances back on track Hafod is a housing association registered with the Welsh Assembly Government. We are a non-profit making organisation and operate

More information

GET IN TOUCH, NOT IN DEBT

GET IN TOUCH, NOT IN DEBT GEDLING BOROUGH COUNCIL A Fair Collection and Debt Recovery Policy GET IN TOUCH, NOT IN DEBT A Handbook for: Gedling Borough Council Staff and Members Local Advice Workers The Council s Collection Agents

More information

HAVING PROBLEMS PAYING YOUR MORTGAGE? A guide to what you should do

HAVING PROBLEMS PAYING YOUR MORTGAGE? A guide to what you should do HAVING PROBLEMS PAYING YOUR MORTGAGE? A guide to what you should do What is a mortgage? A mortgage or a secured loan is a loan you take out using your home as security. This means that if you do not make

More information

Debt Advice For Older People

Debt Advice For Older People Debt Advice For Older People Debt Advice For Older People Older people are among the hardest hit financially in the current economic climate as savings are eroded and everyday essentials increase in cost.

More information

Security of Tenure in Privately Rented Homes

Security of Tenure in Privately Rented Homes Security of Tenure in Privately Rented Homes 6 Security of tenure means the rights you have as occupier of your home, and is largely determined by the type of agreement you have. The type of agreement

More information

Everything you need to know about rent

Everything you need to know about rent Everything you need to know about rent THIS LEAFLET IS RESIDENT APPROVED What s inside This leaflet gives you information about your rent. It tells you about: u How to pay your rent u Understanding your

More information

DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY

DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY Revised Draft 6 th May 2010 DRAFT Corporate Debt policy May 2010 v0.6.doc 1 1 INTRODUCTION 1.1 The Council levies charges and rent for a variety

More information

For more information. This leaflet is available on request in other formats such as large print and languages other than English.

For more information. This leaflet is available on request in other formats such as large print and languages other than English. For more information This Code of practice is approved by Ofwat and forms part of a suite of code of practice leaflets available to customers. This leaflet is available on request in other formats such

More information

Debt Advice Self help guide

Debt Advice Self help guide Advice Shop Debt Advice Self help guide If you are having problems with debts, making ends meet and paying your bills, then this guide is for you. It explains the steps you can take to sort out your money

More information

Rent Arrears Recovery Policy

Rent Arrears Recovery Policy Rent Arrears Recovery Policy 2013-16 July 2013 Version 1.0 Version Control Policy Author Version Number Date Status Comments Finance and Incomes Manager Draft 1.0 24 July 2013 New Approval Body Effective

More information

Housing Benefit under the Local Housing Allowance arrangements: money advice for tenants

Housing Benefit under the Local Housing Allowance arrangements: money advice for tenants Housing Benefit under the Local Housing Allowance arrangements: money advice for tenants The Local Housing Allowance was introduced from 7 April 2008 and is used to work out claims for Housing Benefit

More information

Application form for a Discretionary Housing Payment

Application form for a Discretionary Housing Payment Application form for a Discretionary Housing Payment The Council has a fund to provide extra financial help to people who get Housing Benefit, but are having trouble meeting housing costs. These payments

More information

Housing support services for people in East Surrey

Housing support services for people in East Surrey Housing support services for people in East Surrey Raven This leaflet is for: y people who have been referred to Parashoot and want to know what happens next y people who would like to know about Parashoot

More information

A guide to overpayments and debt

A guide to overpayments and debt If you have any questions about Housing Benefit or Council Tax Benefit please contact us by: Phoning us on 0300 123 70 70 Visiting your local council office, or looking at our website www.durham.gov.uk

More information

There are four main areas to look at when you are trying to manage your money more effectively.

There are four main areas to look at when you are trying to manage your money more effectively. Dear Self Help Budgeting Pack Thank you for your interest in our Money Management Advice Service. This pack has been designed to help you manage your money better and re-prioritise your essential expenditure.

More information

Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION

Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION This leaflet explains overpayments and where to get help if you are in debt An overpayment is where we pay you or your landlord

More information

Managing bills and bank accounts

Managing bills and bank accounts Managing bills and bank accounts This information is an extract from the booklet Managing your money day to day, which is part of our Financial guidance series. You may find the full booklet helpful. We

More information

Berwick Savings and Loan

Berwick Savings and Loan Berwick Savings and Loan The easy way to save and have access to cheap loans with free life assurance. Berwick Savings and Loan Facts about Credit Unions 18,000 people now hold current accounts run by

More information

Vela Debt Recovery Policy

Vela Debt Recovery Policy Vela Debt Recovery Policy Overview The scope of this policy is to establish a framework for the recovery of a range of debts which includes:- current and former tenant arrears current and former recharge

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or

More information

HB(LHA)8. Local Housing Allowance: Money advice for tenants. www.westwiltshire.gov.uk

HB(LHA)8. Local Housing Allowance: Money advice for tenants. www.westwiltshire.gov.uk HB(LHA)8 Local Housing Allowance: Money advice for tenants www.westwiltshire.gov.uk What is Local Housing Allowance? Local Housing Allowance is a new way of working out new claims for Housing Benefit for

More information

Thinking of buying? Your right to buy your council home

Thinking of buying? Your right to buy your council home Thinking of buying? Your right to buy your council home Buying your home is probably the biggest financial decision you will ever make so it s important to consider whether it is the right choice for you.

More information

Housing choices. Tackling landlord harassment

Housing choices. Tackling landlord harassment Housing choices Tackling landlord harassment Problems with your landlord and what is harassment If your landlord does something that interferes with you living in your home in peace and is trying to force

More information

Money Matters: What you need to know about debt. What is debt?

Money Matters: What you need to know about debt. What is debt? What is debt? Debt is a sum of money owed to another person or organization. A debt can be in the form of a: Bank loan Rent arrears Utility bill debts Over draft with bank account Failure to pay council

More information

Application for direct payments of Local Housing Allowance

Application for direct payments of Local Housing Allowance Application for direct payments of Local Housing Allowance Who should fill in this form? We normally pay local Housing Allowance direct to tenants and not landlords. However, in certain circumstances,

More information

Dealing With Your Debts

Dealing With Your Debts Dealing With Your Debts A step by step guide to taking control of your finances Contents 1. Dealing with debt. Introduction 2. Things to do first 3. Step 1. Completing the financial statement. Income 4.

More information

Debt Advice Self Help Pack. This self help guide has been produced by Croydon s debt advice service.

Debt Advice Self Help Pack. This self help guide has been produced by Croydon s debt advice service. Debt Advice Self Help Pack This self help guide has been produced by Croydon s debt advice service. July 2014 1 Table of Contents Table of Contents... 2 How to use this pack... 3 Getting more money and

More information

Debt Advice Self Help Pack

Debt Advice Self Help Pack Debt Advice Self Help Pack Welfare Benefits Information Centre, Town Hall Annexe, Birley Street, Preston, PR1 2QE 1 Are you having problems managing your money and making ends meet? Are you getting letters

More information

LOAN APPLICATION FORM

LOAN APPLICATION FORM LOAN APPLICATION FORM Please use black ink and complete all sections in BLOCK CAPITALS. (For loans fully covered by savings or guarantee, only Parts 1, 3 and 9 should be completed.) If you need any help,

More information

Priority debt strategy chart

Priority debt strategy chart Priority debt strategy chart Compiled by Meg van Rooyen, Policy Manager and Deborah Shields, Information Manager, Money Advice Trust. Last updated February 2012 Using this list of sanctions as a guide,

More information

A claim has been made against me - What should I do?

A claim has been made against me - What should I do? EX303 A claim has been made against me - What should I do? This leaflet explains what you can do if someone has issued a claim against you through a county court. Other leaflets referred to are available

More information

Rent Repayment Orders A Guide for Tenants

Rent Repayment Orders A Guide for Tenants Rent Repayment Orders A Guide for Tenants Introduction A Rent Repayment Order (RRO) is a means for tenants and former tenants to reclaim up to twelve months rent where a landlord rents out accommodation

More information

Interested in buying your own home?

Interested in buying your own home? Interested in buying your own home? A legal guide to Right to Buy 02030827 right to buy booklet 2015 V1.indd 3 21/07/2015 15:15:54 Further information Sanctuary Housing Customer Services 0300 123 3516

More information

Don't ignore the problem. Debt won't go away and the longer you leave it the worse it gets.

Don't ignore the problem. Debt won't go away and the longer you leave it the worse it gets. DEBT ADVICE DEALING WITH YOUR DEBT Don't ignore the problem. Debt won't go away and the longer you leave it the worse it gets. Don't borrow money to pay off your debts. Think carefully, get advice first.

More information

GUIDE TO DEALING WITH BUSINESS DEBTS

GUIDE TO DEALING WITH BUSINESS DEBTS GUIDE TO DEALING WITH BUSINESS DEBTS 2 A fact sheet about the different debts your business can establish and how to deal with them. Let s Look at Income Tax Debt If you have been left with an income tax

More information

Code of Practice on Debt Recovery

Code of Practice on Debt Recovery Code of Practice on Debt Recovery SSE is a trading name of SSE Water Limited, which is a member of the SSE Group. The Registered Office of SSE Water Limited is 55 Vastern Road, Reading RG1 8BU. Registered

More information

MK Money Lifeline. Self-Help Pack. This pack outlines the steps you will need to take to help you deal with your debt problem.

MK Money Lifeline. Self-Help Pack. This pack outlines the steps you will need to take to help you deal with your debt problem. MK Money Lifeline Self-Help Pack This pack outlines the steps you will need to take to help you deal with your debt problem. Once debts start to mount there is a process that you will need to go through

More information

Draft Harrow Council Corporate Debt RecoveryPolicy. Collecting money responsibly, sensitively and effectively

Draft Harrow Council Corporate Debt RecoveryPolicy. Collecting money responsibly, sensitively and effectively Draft Harrow Council Corporate Debt RecoveryPolicy Collecting money responsibly, sensitively and effectively August 2013 1 Introduction Harrow Council levies rent and charges for a variety of services

More information