INCOME MANAGEMENT POLICY

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "INCOME MANAGEMENT POLICY"

Transcription

1 INCOME MANAGEMENT POLICY 1. Principles 2. Aims 3. Methods * Arrears Prevention * Debt Recovery * Rent Accounting 4. Statutory and Regulatory Requirements 5. Performance Monitoring 6. Review 7. Date of Policy -.1 -

2 1. PRINCIPLES 1.1 Colne Housing Society is committed to an efficient effective and socially responsible system of preventing, managing and collecting tenancy related debt. The Society recognises that effective control of rent arrears improves the general perception of the Society as an efficient landlord and is of benefit to all tenants of the Society s homes. 1.2 This policy also addresses debts relating to the costs of repairs caused by tenant damage or negligence (former and current tenants) and rent arrears owed by former tenants 1.3 The Society s policy and procedures for the management of current tenant rent arrears is designed to maximise the recovery of arrears during the course of a tenancy, and to avoid situations where arrears remain at the end of a tenancy. However, it is inevitable that there will be instances where arrears are not recovered before the end of a tenancy, for example following an eviction, or where tenants have abandoned a property. 1.4 Where repairs are required due to tenant damage or negligence, these will only be carried out where there is a statutory repairing obligation. The Society will always attempt to receive payment in advance from tenants in these circumstances. 1.5 The Society is committed to maximising the collection of rechargeable repair invoices from both current and former tenants. It is recognised that the costs associated with debt recovery need to be considered when determining the type of actions taken in relation to the amounts owed. 1.6 The Society recognises that there are significant differences in the needs of tenants living in different types of housing. In response to this, the management of arrears for tenants living in sheltered and supported housing, and leasehold properties is dealt with by a specialist officer within the Supported Housing team. All arrears for general needs accommodation and private sector leasing properties are managed by the income management team reporting to the Housing Manager. 2. AIMS 2.1 In the context of this policy, Colne Housing Society aims to: a) Place the emphasis on debt prevention by action and advice at an early stage, where possible before the commencement of a tenancy

3 b) Ensure a payment culture is achieved where the tenant understands and acts upon their responsibility for paying their rent. c) Ensure that tenants who experience difficulty with debt problems are treated in a practical and helpful way. d) Ensure a procedure is in place which achieves the maximum possible collection of debt and treats all tenants consistently. e) Provide a range of convenient and flexible payment methods to maximise the opportunities for tenants to pay their rent and other charges f) Provide regular clear, easy to understand rent statements including the ability for customers to view these on-line. g) Make appropriate arrangements to effectively communicate with all tenants, making special provision for those who suffer communication impairment as a result of physical, sensory, learning or mental impairments and, where applicable, through a third party advocate. h) Maximise tenants income by providing or facilitating appropriate debt management advice, and assisting in enabling HB claims and proactively working with tenants to ensure take up of any other relevant benefits. i) Recover the outstanding debt without resorting to eviction while recognising that eviction may be the ultimate outcome of failure to maintain the rent account in an acceptable fashion. j) Pursue recovery of rent arrears and re-chargeable repair debts while it remains practical and cost efficient do so. k) Minimise rechargeable repair debt by requesting payment in advance and only carrying out rechargeable repairs where there is a statutory repairing obligation. l) Have procedures which ensure that appropriate and effective debt recovery action is taken, and which give clear guidance to staff on the debt recovery actions required in accordance with the amount of the debt, and/or the length of time it has been outstanding, whilst ensuring tenants with diverse needs are appropriately accommodated within these procedures. m) Have effective monitoring systems in place to identify late and missed payments. n) Negotiate agreements to reduce the debt in realistic and affordable instalments over a specific time period

4 3. METHODS 3.1 In order to achieve these aims the Society will use the following methods Debt Prevention a) Contact the tenant or their advocate as soon as possible once the tenant falls into arrears to discuss the cause, financial circumstances and entitlement to housing benefit and the repayment of the arrears. b) Have protocols in place in order to refer tenants with debt problems to Citizen Advice Bureaux or other relevant agencies for money advice counselling and where possible Colne staff to also provide such relevant debt and money advice at any stage throughout the tenancy. c) Tenants in need of floating support will be referred to the support provider promptly and prior to tenancy commencement wherever possible. d) Contact with housing benefit departments is made at an early stage and where possible prior to commencement of a tenancy. Tenants will be asked to sign a permission to share information form at the start of their tenancy to assist with the process and where provision is in place with the relevant local authority, to work with them at the tenancy sign up to facilitate any HB claim at that time. e) Estimates of housing benefit entitlements will be notified to new tenants, and existing tenants where there is a change in financial circumstances. Payment levels should be agreed accordingly. Tenants will be offered assistance in claiming housing benefit. f) Advice will be given at tenancy sign up on payment methods, (Including Allpay and setting up direct debits) submitting housing benefit claims and setting up agreements to pay. A payment regime will be agreed at the commencement of the tenancy and the appropriate payment collected at that time, based on estimated entitlement to Housing Benefit. g) Provide quarterly rent statements showing rent due and payments made for the previous 13 weeks. h) Provide on-line facilities through the My Tenancy website for viewing rent statements. i) Provide on-line and text facilities to facilitate payment of rent

5 3.1.2 Debt Recovery a) Have procedures to ensure that appropriate and effective debt recovery action is taken. b) Have a sensitive approach to dealing with arrears of tenants who may be vulnerable, for example, because they are elderly, have mental health problems, or learning or language difficulties. The appropriate statutory and voluntary agencies will be contacted in these cases, with the tenants consent. Contact with tenants will be appropriate to their needs, and protocols and staff training put in place to ensure best use of personal client information, together with an awareness of use of sensitive data. c) Have effective monitoring systems in place to identify late and missed payments. d) Negotiate affordable agreements based upon the tenant s income and expenditure, to reduce the arrears in realistic and affordable instalments over a specified time period. In appropriate cases, the Society will arrange with the Department for Work and Pensions for the arrears to be paid direct from the tenants benefit. Applications for Attachment of Earnings Orders will be made where tenants are in permanent employment. e) Keep records of action taken at each stage in the debt recovery process, in particular attempts to contact the tenant, interviews and conversations with the tenant and details of repayment agreements, in accordance with the prescribed pre-action Court protocol for possession claims. f) Make use of all the available options for debt recovery and have clear procedural guidelines as to what the Society considers to be the appropriate use of the various recovery methods, including the use of Ground 8 Notices Seeking Possession where there has been no contact with the tenant, or the debt is persistent over a long period of time. g) Deal with debt resulting from delays in housing and other benefits sensitively, but in a manner consistent with the process used for all arrears. Possession proceedings should not be started if the tenant has provided the local authority with the evidence required to process a housing benefit claim, and has a reasonable expectation of eligibility for housing benefit, and has paid the balance of the rent not covered by housing benefit which it is anticipated will be received. h) Delegate authorisation of evictions to the Chief Executive or in his/her absence another Director, to allow adequate control of process. i) Utilise and telephone text messages to make contact with tenants, in addition to letters, the telephone and personal contact

6 3.1.3 Rent Accounting and IT Systems a) Ensure the rent accounting and debt recovery information system is capable of providing appropriate and accurate operational, management and performance data and interfaces with other aspects of the IT system. b) Ensure that the rent accounting system is able to: i) Produce rent accounts quarterly. ii) iii) iv) Produce individual rent statements on request. Produce details of the payment history of each tenant. Record details of steps taken to try and recover the arrears and be capable of producing a flexible range of reports. v) Produce up to date statistics about tenants in arrears. vi) Produce standard letters and documents which form part of the arrears recovery procedures Re-chargeable repairs and other sundry debts a) Repairs caused by resident damage or negligence will not be completed unless it is a statutory repairing obligation or the resident pays the full cost in advance. b) Where a repair is identified as rechargeable after being carried out (usually by the contractor) the resident will be sent a letter telling them that the repair will be recharged and the reason. Full payment will be requested but affordable repayment plans will also be accepted. c) Tenants may also be liable for charges made for breaking repairs appointments without prior notice, or for misuse of the emergency repairs service. There may also be a liability for charges made in connection with the Society s efforts to gain access to their home to carry out the annual gas safety check, such as court costs and solicitors fees. c) In the event of non-payment after two contacts from the Society, an emergency-only repairs service will be authorised by the Housing Manager or Supported Housing Manager. The resident will be advised in writing and that full payment will result in a full repairs service being reinstated. The resident will also be advised of their right to dispute the re-charge or other debt (such as legal costs incurred in attempting to gain access to carry out a gas safety check) -.6 -

7 d) A range of methods will be used to collect outstanding repairs recharges and other sundry debts, including letters and telephone calls, referral to debt collection agencies, and action through the small claims Court. e) Repairs recharges and other sundry tenant debts where all reasonable efforts for collection having taken place are written off by Operations Director at least once a quarter Former Tenant Debt a) At the commencement of a tenancy, full household details are recorded together with former addresses, next of kin and the national insurance numbers, which could assist with recovery of debts outstanding at the end of the tenancy. b) In the event of eviction for rent arrears, the rent debt will be immediately passed for write off and offered to a debt collection agency on a commission only basis. c) When notice is given on a tenancy, the resident will receive a letter giving details of their actual debt and its likely level at the tenancy end date. Attempts will be made to recover the full debt or enter into an affordable repayment plan. Details of forwarding addresses will be sought. d) If the debt is not paid within a week of the tenancy ending, immediate contact will be made advising that referral to a debt collection agency or legal action will follow. If the tenant s address is not known reasonable enquiries will be made to ascertain their whereabouts. After 3 months a trace will be instigated for all debts over 250. If the trace is unsuccessful the debt will be immediately written off. Debts under 250 will be written off if a forwarding address is not known. e) If a trace is successful, further contact will be made. Failure to clear the debt or enter into a repayment plan will result in the case being referred to a debt collection agency. Should no payments be received within 6 months, the debt will be written off. Former tenants with debts will be advised that the Society will take legal action if they fail to pay. However, legal action will only be considered where there is a reasonable chance of achieving a positive outcome. f) The Housing Manager and Supported Housing Manager will have discretion to authorise one-off agreements with residents to pay a proportion of their debt and have the remainder written off. g) All requested write offs must receive the sanction of the Housing Manager or Supported Housing Manager. The Operations Director has delegated authority to write off former tenant debts up to 500. The Chief Executive has delegated authority to write off former tenant debts up to 1,000. All debts over 1,000 are referred to Finance & General Purposes for write off

8 h) After write off, details of debts will be held in perpetuity and where contact is later made with a former tenant, it may be written back and agreements made. Consideration will not be given to rehousing former tenants with debts until either a repayment schedule has been complied with for an agreed period of time, or the debt has been cleared in full. i) Where the Society has written off debt relating to rechargeable repairs, application will be made to recover VAT on these invoices. 4. STATUTORY AND REGULATORY REQUIREMENTS 4.1 Through this policy and the procedure attached at appendix 1, the Society aims to comply with the TSA s Regulatory Framework and with the pre-action protocol for possession claims based on rent arrears issued by the Ministry of Justice. 5. PERFORMANCE MONITORING 5.1 The Society will carry out systematic performance monitoring of the efficiency and effectiveness of all aspects of services associated with debt recovery. This includes reporting the following indicators to the Operations, and referral of write offs to the Finance & General Purposes :- Arrears as % of annual debit current and previous years for all activities and general needs. Average arrears (12 month rolling) as % of annual debit current and previous years for all activities and for general needs. Value of former tenant arrears collected. Value of outstanding former tenant arrears and other sundry debt (repair re-charges and legal costs). Recommendations for former tenant arrears write offs cases over 1,000. Value of former tenant arrears write offs under 1,000. Quarterly to Operations Quarterly to Operations Annually to Operations Twice Yearly to Operations Twice Yearly to Finance and General Purposes Twice yearly to Finance and General Purposes -.8 -

9 6. REVIEW 6.1 The Society will formally review its Income Management Policy through the structure once every three years taking into account any changes and making amendments accordingly. 6.2 In addition to this, amendments considered of sufficient magnitude or importance will be implemented in between review dates where appropriate, in particular where there are relevant changes in housing or benefit legislation. 7. DATE OF POLICY 7.1 June

TITLE Version: 1. Policy Statement

TITLE Version: 1. Policy Statement TITLE Version: Rent and Service Charge Collection and Debt Recovery Policy v.3 Review Date: September 2016 Lead officer(s) & Author: Simon Brooke Customer Approved Date: Customer panel April 2013 Approved

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

FIFE COUNCIL INTEGRATED INCOME COLLECTION AND DEBT RECOVERY POLICY

FIFE COUNCIL INTEGRATED INCOME COLLECTION AND DEBT RECOVERY POLICY Appendix A FIFE COUNCIL INTEGRATED INCOME COLLECTION AND DEBT RECOVERY POLICY INTRODUCTION 1.1 This document details the Council s policies on the billing, collection and recovery of monies due to the

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

RENT MANAGEMENT POLICY

RENT MANAGEMENT POLICY ABERDEEN CITY COUNCIL COMMUNITIES, HOUSING & INFRASTRUCTURE RENT MANAGEMENT POLICY (version 07/2016) 1 Index Page No 1. INTRODUCTION 3 2. LEGAL FRAMEWORK 4 3. DEFINITION AND DELEGATION 4-5 4. TRAINING

More information

Reference: HSGPOL08 Recovery Document owner: David Stubbs Approved by: EMT Date approved: March 2014 Next review: March 17

Reference: HSGPOL08 Recovery Document owner: David Stubbs Approved by: EMT Date approved: March 2014 Next review: March 17 Title: Former Tenant Arrears Reference: HSGPOL08 Recovery Document owner: David Stubbs Approved by: EMT Date approved: March 2014 Next review: March 17 FORMER TENANT ARREARS RECOVERY POLICY 1.0 Policy

More information

customer debt recovery

customer debt recovery policy customer debt recovery Responsible Officer: Assistant Chief Executive Neighbourhoods Approved: March 2017 Review Date: August 2015 Version: 2 Date Ratified: March 2011 Scope: Incommunities Incommunities

More information

Fair Debt. Policy. Why Have A Fair Debt Policy?

Fair Debt. Policy. Why Have A Fair Debt Policy? Fair Debt Policy A policy to assist customers who owe money to the council. Why Have A Fair Debt Policy? Wyre Borough Council is required to collect monies from both its residents (Council Tax) and businesses

More information

CORPORATE DEBT RECOVERY

CORPORATE DEBT RECOVERY KEY POLICY: FINANCE CORPORATE DEBT RECOVERY 1.0 Key Strategic Links This strategy links to all corporate objectives in that it seeks to be responsible with and accountable for public finances, which is

More information

Bridgewater Housing Association Ltd Policy

Bridgewater Housing Association Ltd Policy Bridgewater Housing Association Ltd Policy Approved committee on by 5 August 1998 31 March 1999 26 April 2000 25 September 2002 30 November 2005 17 December 2008 Review Date: 16 December 2011 Ref: Arrears

More information

Chichester District Council. Corporate Debt Recovery Policy

Chichester District Council. Corporate Debt Recovery Policy Chichester District Council Corporate Debt Recovery Policy 1 1. Introduction The Council raises a significant proportion of its total income through local taxes and charges. These sources of income provide

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

Rent Payments and Arrears Recovery Policy

Rent Payments and Arrears Recovery Policy Issue No: 2 Issue Date: 10 March 2008 Originator Title: Kevin Powe 1.0 Introduction Rent Payments and Arrears Recovery Policy 1.1 The effective operation of this policy is fundamental to our ability to

More information

P o l i c y 2008-2011. Housing Income Management. Page 7. Contact with our Customers. page 9. Housing Benefit. Page 12. Debt Collection Agencies

P o l i c y 2008-2011. Housing Income Management. Page 7. Contact with our Customers. page 9. Housing Benefit. Page 12. Debt Collection Agencies Corporate Debt P o l i c y 2008-2011 Housing Income Management Page 7 Contact with our Customers page 9 Housing Benefit Page 12 Debt Collection Agencies Page 14 Bankruptcy page17 Contents 2 Background

More information

North East Lincolnshire Council. Debt Management Strategy

North East Lincolnshire Council. Debt Management Strategy North East Lincolnshire Council Debt Management Strategy Section Title Page No 1. Introduction 2. General Principles 3. Principles common to all debts 4. Principles of Enforcement 5. Strategy specific

More information

Rochdale MBC Corporate Debt Management Policy. Contents Page. Page

Rochdale MBC Corporate Debt Management Policy. Contents Page. Page Rochdale MBC Corporate Debt Management Policy Contents Page Page 1. Background and Objectives 1.1 What is a Corporate Debt Management Policy 1 1.2 Introduction 1 1.3 Objectives of the Policy 1 1.4 What

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

Debt Recovery Strategy for Housing Benefit Overpayments.

Debt Recovery Strategy for Housing Benefit Overpayments. Debt Recovery Strategy for Housing Benefit Overpayments. 1. Introduction 1.1 The Service Statement of Intent for the Benefits Service states that we will provide a service that recovers overpayments, reduces

More information

Norwich City Council Debt Collection Policy. Version 1.2 25 June 2014

Norwich City Council Debt Collection Policy. Version 1.2 25 June 2014 Norwich City Council Debt Collection Policy Version 1.2 25 June 2014 Norwich City Council debt collection policy Introduction Norwich City Council is required to collect monies from both individuals and

More information

www.nelincs.gov.uk North East Lincolnshire Council - Corporate Debt Recovery Strategy

www.nelincs.gov.uk North East Lincolnshire Council - Corporate Debt Recovery Strategy Executive Director Business Services Rob Walsh B.A. (Hons) Solicitor www.nelincs.gov.uk North East Lincolnshire Council - Corporate Debt Recovery Strategy Background. As part of Transactional Services

More information

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

Draft Harrow Council Corporate Debt Recovery Policy. Collecting money responsibly, sensitively and effectively 1 Draft Harrow Council Corporate Debt Recovery Policy Collecting money responsibly, sensitively and effectively Introduction Harrow Council levies rent and charges for a variety of services and is responsible

More information

SC CORPORATE DEBT POLICY, CURRENT TENANT DEBT POLICIES POLICY OWNER: SERVICE MANAGER KEY 2.0 DEFINITIONS 2

SC CORPORATE DEBT POLICY, CURRENT TENANT DEBT POLICIES POLICY OWNER: SERVICE MANAGER KEY 2.0 DEFINITIONS 2 FORMER TENANTS DEBT STATUS VERSION 1 APPROVED BY: LANDLORD SERVICES MT Date LANDLORD SERVICES Date 31.7.12 SHADOW CHALLENGE BOARD DATE DUE FOR AUGUST 2014 REVIEW OUTCOME OF REVIEW N/A SERVICE RESOURCES,

More information

BRACKNELL FOREST COUNCIL ADULT SOCIAL CARE & HEALTH DEBT RECOVERY POLICY & PROCEDURES

BRACKNELL FOREST COUNCIL ADULT SOCIAL CARE & HEALTH DEBT RECOVERY POLICY & PROCEDURES BRACKNELL FOREST COUNCIL ADULT SOCIAL CARE & HEALTH DEBT RECOVERY POLICY & PROCEDURES POLICY DOCUMENT Table of Contents 1. Definitions and Abbreviations... 3 2. Legal Status... 4 3. Principles for Debt

More information

NEW CHARTER HOUSING TRUST GROUP CORPORATE DEBT POLICY AND CODE OF CONDUCT OCTOBER 2011

NEW CHARTER HOUSING TRUST GROUP CORPORATE DEBT POLICY AND CODE OF CONDUCT OCTOBER 2011 NEW CHARTER HOUSING TRUST GROUP CORPORATE DEBT POLICY AND CODE OF CONDUCT OCTOBER 2011 Section 1 Corporate Debt Recovery Statement Section 2 Code of Practice for Collecting Debts Section 3 Guide to Repayment

More information

CORPORATE DEBT MANAGEMENT STRATEGY

CORPORATE DEBT MANAGEMENT STRATEGY CORPORATE DEBT MANAGEMENT STRATEGY 1. Purpose of Strategy Stoke on Trent City Council is required to collect monies from both residents and businesses for the provision of a variety of goods and services.

More information

2.5 All actions to monitor and recover the former tenant arrears should be recorded on Universal Housing by the RO.

2.5 All actions to monitor and recover the former tenant arrears should be recorded on Universal Housing by the RO. ISHA FORMER TENANT ARREARS POLICY & PROCEDURE Table of Contents 1. Policy 2. Procedure 3. Performance Management 4. Diversity 5. Appeals & Complaints Appendices: Appendix 1 FTA Letter 1 Appendix 2 FTA

More information

Shepway District Council Income and Debt Management Policy

Shepway District Council Income and Debt Management Policy Shepway District Council Income and Debt Management Policy Appendix 1 Introduction The council has a duty to ensure that all revenue due to the council is collected efficiently and effectively for the

More information

CORPORATE DEBT RECOVERY CODE POLICY STATEMENT

CORPORATE DEBT RECOVERY CODE POLICY STATEMENT CORPORATE DEBT RECOVERY CODE POLICY STATEMENT January 2016 1 P age Contents Page Page 1. DEBT RECOVERY 1.1. Introduction 3 1.2. Aims of the Policy 3 1.3. Scope of the Policy 4 1.4. Statutory Basis for

More information

Leasehold Major Works Policy

Leasehold Major Works Policy Leasehold Major Works Policy 1. Aim of the Policy 1.1 EastendHomes is committed to providing an excellent housing management and maintenance service to its leaseholders and to provide accurate information

More information

If instalments are not paid as they are due a reminder will be sent requiring payments to be brought up to date within 7 days.

If instalments are not paid as they are due a reminder will be sent requiring payments to be brought up to date within 7 days. APPENDIX 1 DEBT RECOVERY POLICY This debt recovery policy of South Lakeland District Council aims to maximise income from all revenue generating sources whilst incorporating a sympathetic approach to the

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

EAST RENFREWSHIRE COUNCIL CABINET. 16 June 2016. Report by Deputy Chief Executive COLLECTION OF COUNCIL REVENUES DEBT RECOVERY POLICY

EAST RENFREWSHIRE COUNCIL CABINET. 16 June 2016. Report by Deputy Chief Executive COLLECTION OF COUNCIL REVENUES DEBT RECOVERY POLICY 81 AGENDA ITEM No.8 EAST RENFREWSHIRE COUNCIL CABINET 16 June 2016 Report by Deputy Chief Executive COLLECTION OF COUNCIL REVENUES DEBT RECOVERY POLICY PURPOSE OF REPORT 1. To seek Cabinet approval of

More information

APPENDIX 2 POLICY DOCUMENT Former Tenant Arrears.

APPENDIX 2 POLICY DOCUMENT Former Tenant Arrears. APPENDIX 2 POLICY DOCUMENT Former Tenant Arrears. Page 1 POLICY DOCUMENT Former Tenant Arrears. 1. INTRODUCTION When a resident vacates a property leaving a debt on their rent account, the debt they owe

More information

Council Tax and Benefits Service. Debt Recovery Processes Council Tax and Housing Benefit Overpayments

Council Tax and Benefits Service. Debt Recovery Processes Council Tax and Housing Benefit Overpayments Council Tax and Benefits Service Debt Recovery Processes Council Tax and Housing Benefit Overpayments Version Control Version Revised by Date Description 1 Andi Frangeskou May 2015 Original issue 2 3 1.

More information

Debt Management Policy. East Lindsey District Council

Debt Management Policy. East Lindsey District Council Debt Management Policy East Lindsey District Council 1 Debt Management Policy 1. Introduction 2. Legislation 3. Policy Aims 4. Policy Objectives 5. Communication 6. Recovery of Money Due 7. Our Approach

More information

INCOME RECOVERY POLICY

INCOME RECOVERY POLICY INCOME RECOVERY POLICY Policy Owner: Executive Director of Customer Services Accountable Lead Head of Customer Accounts Policy Control Policy Level Policy Reference Link to Strategy Version Control V.1

More information

The Trust. Debt Write off Policy. Neighbourhood Management Team. Draft: Final. Effective Date: July 2014. Affected Teams: All

The Trust. Debt Write off Policy. Neighbourhood Management Team. Draft: Final. Effective Date: July 2014. Affected Teams: All The Trust Debt Write off Policy Neighbourhood Management Team Draft: Final Effective Date: July 2014 Affected Teams: All PPHT Debt Write Off Policy Page 1 of 6 Table of Contents 1. INTRODUCTION... 3 2.

More information

DEBT RECOVERY POLICY

DEBT RECOVERY POLICY DEBT RECOVERY POLICY OBJECTIVE 1.1 The objective of the Debt Recovery Policy is: To ensure that money owed to the Comhairle is collected as soon as possible using efficient, effective and fair debt recovery

More information

LEASEHOLD MANAGEMENT POLICY

LEASEHOLD MANAGEMENT POLICY LEASEHOLD MANAGEMENT POLICY EG/Board Approval: November 2014 Responsible Board: Ocean Housing Ltd Next Review: November 2015 Responsible Executive: Managing Director of Ocean Housing Ltd 1.0 INTRODUCTION

More information

Housing Benefit Overpayments Policy. December 2013

Housing Benefit Overpayments Policy. December 2013 Housing Benefit Overpayments Policy December 2013 1. Aims of the Policy 1.1. The aims of this policy are: 1.1.1. to ensure we minimise overpayments and reduce them as much as is possible when raised 1.1.2.

More information

Corporate Fair Debt Policy AGREED POLICY FOR USE BY OLDHAM COUNCIL

Corporate Fair Debt Policy AGREED POLICY FOR USE BY OLDHAM COUNCIL Corporate Fair Debt Policy AGREED POLICY FOR USE BY OLDHAM COUNCIL March 2014 1 Introduction and Aims 1.1 The Council s focus is on service delivery and outcomes. This means we have to make sure that we

More information

Sundry debts recovery policy

Sundry debts recovery policy Sundry debts recovery policy The term Sundry Debtors covers the range of miscellaneous debts raised by Blackburn with Darwen Borough Council in relation to many different Council services. It excludes

More information

MOLENDINAR PARK HOUSING ASSOCIATION FACTORING AND OWNER OCCUPIERS

MOLENDINAR PARK HOUSING ASSOCIATION FACTORING AND OWNER OCCUPIERS MOLENDINAR PARK HOUSING ASSOCIATION FACTORING AND OWNER OCCUPIERS ARREARS RECOVERY POLICY Date of Review: 19 th October 2010 Date of Next Review: October 2015 1 INTRODUCTION 1.1 This document outlines

More information

FERGUSLIE PARK HOUSING ASSOCIATION. Current Tenant Arrears Recovery Policy (ref: HS P7)

FERGUSLIE PARK HOUSING ASSOCIATION. Current Tenant Arrears Recovery Policy (ref: HS P7) FERGUSLIE PARK HOUSING ASSOCIATION Current Tenant Arrears Recovery Policy (ref: HS P7) Committee Approval Date: Effective Date (post consultation) : Review Date : 1 1. Introduction Contents 2. Legislative

More information

Approved: July 2013. Next review: By July 2016. Cross reference: FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY

Approved: July 2013. Next review: By July 2016. Cross reference: FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY Code: HM08 Approved: Next review: By July 2016 Cross reference: This document can be made available in alternative languages or formats (such as large

More information

Help us to help you Contact us and work in partnership with your local Council

Help us to help you Contact us and work in partnership with your local Council February 2016 Version 6 Torridge District Council A Fair Collection and Recovery of Debt Policy Help us to help you Contact us and work in partnership with your local Council Torridge District Council

More information

CHERWELL DISTRICT COUNCIL CORPORATE DEBT POLICY

CHERWELL DISTRICT COUNCIL CORPORATE DEBT POLICY CHERWELL DISTRICT COUNCIL CORPORATE DEBT POLICY Summary of policy : This policy details the principles to be adopted by the Council when undertaking the collection of debt from both citizens and businesses.

More information

POLICY. Subject: Debt Recovery Property and Estate Management (Factoring) Policy. Committee: Repairs and Maintenance Page: Page 1 of 8

POLICY. Subject: Debt Recovery Property and Estate Management (Factoring) Policy. Committee: Repairs and Maintenance Page: Page 1 of 8 POLICY Subject: Debt Recovery Property and Estate Management (Factoring) Policy Committee: Repairs and Maintenance Page: Page 1 of 8 POLICY OUTLINE The Debt Recovery Property and Estate Management (Factoring)

More information

CITY OF YORK COUNCIL CORPORATE DEBT POLICY

CITY OF YORK COUNCIL CORPORATE DEBT POLICY CITY OF YORK COUNCIL CORPORATE DEBT POLICY Version 3 April 2014 Contents Paragraph Introduction 1-3 Policy Objectives 4-5 Policy Purpose 6-9 Governance 10 Delivering the Service to the Customer 11 13 Communicating

More information

Broxtowe Borough Council

Broxtowe Borough Council Broxtowe Borough Council Corporate Debt Policy Contents The Policy Aims Page 2 Links to the Council s Corporate Objectives Page 2 The Scope of the Policy Page 2 Income Management Issues Page 3 Priorities

More information

Customer Compensation Policy

Customer Compensation Policy Date approved: 5 May 2014 Approved by: Chief Executive 1. Introduction 1.1 Southway Housing Trust (Southway) will provide high quality services to our customers and aim to get things right first time.

More information

AGENCY AGREEMENT. Between 3Keys Limited company registration number 06841492 6 of Town End Doncaster DN5 9AG ... ... ... ... ... Postcode..

AGENCY AGREEMENT. Between 3Keys Limited company registration number 06841492 6 of Town End Doncaster DN5 9AG ... ... ... ... ... Postcode.. AGENCY AGREEMENT Between 3Keys Limited company registration number 06841492 6 of Town End Doncaster DN5 9AG and Landlord s name/s (all joint landlords):... Landlord s address: (current address and new

More information

Debt Recovery Policy POLICY NO 086 ORGANISATIONAL SERVICES FINANCIAL SERVICES ENDORSED BY COUNCIL 22 JUNE 2016

Debt Recovery Policy POLICY NO 086 ORGANISATIONAL SERVICES FINANCIAL SERVICES ENDORSED BY COUNCIL 22 JUNE 2016 COUNCIL POLICY Debt Recovery Policy POLICY NO 086 DEPARTMENT PROGRAM ORGANISATIONAL SERVICES FINANCIAL SERVICES ENDORSED BY COUNCIL 22 JUNE 2016 1.0 Scope This policy applies to all outstanding rates and

More information

Policy document Date. YourPlace Property Management www.your-place.net. Debt Recovery Policy. Part of the GHA family. Page 0. Debt Recovery Policy

Policy document Date. YourPlace Property Management www.your-place.net. Debt Recovery Policy. Part of the GHA family. Page 0. Debt Recovery Policy YourPlace Property Management www.your-place.net Policy document Date Debt Recovery Policy Page 0 Part of the GHA family Name of Policy Responsible Officer Executive Finance Manager Date approved by YourPlace

More information

Sundry Debt Management and Recovery Policy

Sundry Debt Management and Recovery Policy 1. Introduction Sundry Debt Management and Recovery Policy 1.1 Forest Heath and St Edmundsbury Councils (referred to in this document as West Suffolk or the councils ) provide a wide range of services

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

Complaints and Compensation Policy

Complaints and Compensation Policy Complaints and Compensation Policy 1. Principles 2. Aims 3. Methods 4. Statutory and contractual rights to compensation 5. Statutory and regulatory requirements 6. Performance monitoring 7. Review 8. Date

More information

A Fair Collection and Debt Recovery Policy

A Fair Collection and Debt Recovery Policy A Fair Collection and Debt Recovery Policy Sundry Debts and Housing Benefit overpayments Introduction Fylde Borough Council believes a collection and debt recovery policy should be fair to everyone, especially

More information

CORPORATE DEBT POLICY All Wards Portfolio Holder for Support Services: Councillor N A Knapton

CORPORATE DEBT POLICY All Wards Portfolio Holder for Support Services: Councillor N A Knapton HAMBLETON DISTRICT COUNCIL Report To: Subject: Cabinet 12 January 2016 CORPORATE DEBT POLICY All Wards Portfolio Holder for Support Services: Councillor N A Knapton 1.0 PURPOSE AND BACKGROUND: 1.1 The

More information

Overpayment Recovery Strategy

Overpayment Recovery Strategy Overpayment Recovery Strategy Strategy To recover overpayments as quickly as possible having regard for the circumstances of the debtors. Key Objectives To arrange benefit deductions for those on ongoing

More information

FACTORING POLICY. This policy sets out the scope of and management arrangements for the Association s Factoring Service.

FACTORING POLICY. This policy sets out the scope of and management arrangements for the Association s Factoring Service. FACTORING POLICY 1.0 INTRODUCTION This policy sets out the scope of and management arrangements for the Association s Factoring Service. 2.0 FACTORING DEFINITION a property management service provided

More information

Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY

Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY Contents Paragraph Introduction 1-3 Policy Objectives 4-5 Policy Purpose 6-9 Governance 10 Delivering the Service to the Customer 11 13 Communicating

More information

LEEDS CITY COUNCIL CORPORATE DEBT POLICY

LEEDS CITY COUNCIL CORPORATE DEBT POLICY LEEDS CITY COUNCIL CORPORATE DEBT POLICY ( Draft Version 5 ) Summary of policy : This policy details the principles to be adopted by the Council when undertaking the collection of debt in the City of Leeds

More information

ROSSENDALE BOROUGH COUNCIL SUNDRY DEBT MANAGEMENT - POLICY STATEMENT

ROSSENDALE BOROUGH COUNCIL SUNDRY DEBT MANAGEMENT - POLICY STATEMENT ROSSENDALE BOROUGH COUNCIL SUNDRY DEBT MANAGEMENT - POLICY STATEMENT 1. Introduction 1.1. The principal objective for any debt recovery policy must be the maximum conversion of outstanding debt into cash

More information

MUTUAL EXCHANGE POLICY

MUTUAL EXCHANGE POLICY MUTUAL EXCHANGE POLICY CONTENTS PAGE 1. POLICY STATEMENT 2. PURPOSE 3. LINKS 4. DEFINITIONS 5. SCOPE 6. POLICY DETAIL 7. REFUSAL 8. CUSTOMER AWARENESS 9. MONITORING 10. REVIEW 11. LINKS WITH KEY POLICIES

More information

Council Tax Debt Recovery Policy

Council Tax Debt Recovery Policy Council Tax Debt Recovery Policy Updated: Ian Johnson June 2016 Introduction This policy outlines the recovery process for Council Tax and highlights the various stages that lead to the court issuing a

More information

London Borough of Lewisham. Collection Process

London Borough of Lewisham. Collection Process London Borough of Lewisham Collection Process Page 1 Introduction 1. The Council has a duty to recover outstanding debts and in doing so we want to ensure that our process is fair to everyone, particularly

More information

CORPORATE DEBT POLICY

CORPORATE DEBT POLICY CORPORATE DEBT POLICY Reference: HSL/CDP/JE/06 Approved: 28/03/07 Revised: 1 Statement of Intent 1.1 The intention of the corporate debt policy is to set a clear over-arching statement on how the Housing

More information

BELA-BELA MUNICIPALITY POLICY ON PROVISION FOR DOUBTFUL DEBT AND WRITING OFF OF IRRECOVERABLE DEBT

BELA-BELA MUNICIPALITY POLICY ON PROVISION FOR DOUBTFUL DEBT AND WRITING OFF OF IRRECOVERABLE DEBT BELA-BELA MUNICIPALITY POLICY ON PROVISION FOR DOUBTFUL DEBT AND WRITING OFF OF IRRECOVERABLE DEBT 2013-2014 BELA BELA LOCAL MUNICIPALITY DEBT 1. INTRODUCTION 1.1 This policy provides guidelines on treatment

More information

Fyne Homes Ltd. Common Factoring Policy

Fyne Homes Ltd. Common Factoring Policy Fyne Homes Ltd Common Factoring Policy First Approved : -- Policy Reviewed : November 2014 Next Review Date : Version No : 5 Page 1 of 11 Index 1. POLICY STATEMENT... 3 2. TERMS AND CONDITIONS... 3 3.

More information

Report To: Policy and Resources Committee Date: 17 November 2009. Report By: Chief Financial Officer Report No: FIN/63/09/AP/FB

Report To: Policy and Resources Committee Date: 17 November 2009. Report By: Chief Financial Officer Report No: FIN/63/09/AP/FB AGENDA ITEM NO. 13 Report To: Policy and Resources Committee Date: 17 November 2009 Report By: Chief Financial Officer Report No: FIN/63/09/AP/FB Contact Officer: Fiona Borthwick Contact No: 01475 712904

More information

TDS Northern Ireland Scheme Rules

TDS Northern Ireland Scheme Rules TDS Northern Ireland Scheme Rules tel: 08450 940 740 TDS Northern Ireland 2015 email: info@tdsnorthernireland.com www.tdsnorthernireland.com Introduction 1 What is TDS Northern Ireland? 1.1 TDS Northern

More information

Corporate Write Off Policy

Corporate Write Off Policy Resources Finance Corporate Write Off Policy 15th October 2001 Purpose A corporate approach to the write off of debts that aims to maximise the opportunity for collection thereby minimising the need for

More information

APPENDIX 13 Corporate Debt Recovery Policy

APPENDIX 13 Corporate Debt Recovery Policy Corporate Debt Policy July 2014 Page 1 APPENDIX 13 Corporate Debt Recovery Policy Corporate Debt Policy July 2014 Page 2 Table of Contents Contents 1. Introduction and purpose 4 2. Policy Objectives 4

More information

CUSTOMER COMPENSATION POLICY

CUSTOMER COMPENSATION POLICY CUSTOMER COMPENSATION POLICY Approved by Performance & Resources Approved Date 15/05/2012 Version no. 2 Review Date Q1 2014/15 Page 1 of 13 SOUTHWAY HOUSING TRUST CUSTOMER COMPENSATION POLICY 1. Key Objectives

More information

Debt Recovery Policy. Draft Copy

Debt Recovery Policy. Draft Copy Debt Recovery Policy Draft Copy Table of Contents 1. Introduction...1 2. Policy Aims...2 3. How These Link to Our Corporate Aims...3 4. Policies Common to All Types of Debt...4 5. Principles of Enforcement

More information

Sundry Income & Debt Policy

Sundry Income & Debt Policy Sundry Income & Debt Policy Version 1 December 2006 Page 1 of 15 Contents Section Page 1 Introduction 3 2 Exclusions 4 3 Key Objectives of Fees and Charges 4 4 Responsibilities 4 5 Invoicing 5 6 Payment

More information

Debt Management Policy

Debt Management Policy Debt Management Policy Table of Contents page 1. Purpose 3 2. Objective 3 3. Debts to which this policy applies 3 4. Roles and Responsibilities 4 5. General Principles 4 6. Delivering the Policy 5 7. Raising

More information

INCOME COLLECTION AND DEBT MANAGEMENT POLICY

INCOME COLLECTION AND DEBT MANAGEMENT POLICY INCOME COLLECTION AND DEBT MANAGEMENT POLICY Version Number 2 Date Revision Complete Policy Owner Angela Currie, Housing and Care Director Author Jenny Gardner, Regional Manager East Reason for Revision

More information

COUNCIL TAX AND BUSINESS RATES RECOVERY PROCEDURE

COUNCIL TAX AND BUSINESS RATES RECOVERY PROCEDURE COUNCIL TAX AND BUSINESS RATES RECOVERY PROCEDURE SECTIONS 1. The Council s Aims 2. The Revenues Service 3. The Legal Framework 4. Demand Notice 5. Joint & Several Liability 6. Instalments 7. Methods of

More information

Revenue and Benefit Service

Revenue and Benefit Service Revenue and Benefit Service Draft Write Off Policy ~ 1 ~ WRITE OFF POLICY Introduction This document sets out the procedure to be followed when writing off irrecoverable amounts (including credit balances)

More information

PRE-ACTION CONDUCT PRACTICE DIRECTION

PRE-ACTION CONDUCT PRACTICE DIRECTION PRACTICE DIRECTION PRE-ACTION CONDUCT PRACTICE DIRECTION PRE-ACTION CONDUCT SECTION I INTRODUCTION 1. AIMS 1.1 The aims of this Practice Direction are to (1) enable parties to settle the issue between

More information

MERTHYR TYDFIL COUNTY BOROUGH COUNCIL

MERTHYR TYDFIL COUNTY BOROUGH COUNCIL MERTHYR TYDFIL COUNTY BOROUGH COUNCIL DATE WRITTEN 14 th October 2005 REPORT AUTHOR Mark Horrigan COMMITTEE DIVISION Strategic COMMITTEE Cabinet COMMITTEE DATE 16 th November 2005 TO: Chairman, Ladies

More information

Newcastle City Council Corporate debt policy. December 2013

Newcastle City Council Corporate debt policy. December 2013 Newcastle City Council Corporate debt policy December 2013 1 This policy sets out our approach to collecting and recovering debt owed to us by businesses and residents. Introduction Newcastle City Council

More information

Harrow Debt Management Policy Collecting money responsibly, sensitively and effectively

Harrow Debt Management Policy Collecting money responsibly, sensitively and effectively Harrow Debt Management Policy Collecting money responsibly, sensitively and effectively Harrow Corporate Finance Income Streams most likely to require recovery action Sundry Debts Benefits Overpayments

More information

CORPORATE DEBT MANAGEMENT AND RECOVERY POLICY

CORPORATE DEBT MANAGEMENT AND RECOVERY POLICY CORPORATE DEBT MANAGEMENT AND RECOVERY POLICY www.chorley.gov.uk CONTENTS Page Introduction 3 Policy Aims 4 How these link to the Council s Corporate Priorities Debts Covered by this Policy 5 The Legal

More information

Agency Contract Terms and Conditions

Agency Contract Terms and Conditions P1/terms & conditions/ Agency Contract Terms and Conditions Full address of property to be let: Post Code: Full name of Landlord : Address: Tel (Mbl) Post Code: Email Address: Agreed initial Rental:..

More information

Major Works Payment Policy

Major Works Payment Policy Major Works Payment Policy Reference OP013 Version 1 Staff affected All staff in organisation Issue date July 2016 Lead officer Commercial Manager Review date July 2018 1. Purpose 1.1 Leaseholders are

More information

The Association will take all possible steps to recover former tenant arrears

The Association will take all possible steps to recover former tenant arrears B7.1 FORMER TENANTS ARREARS POLICY B7.1.1 B7.1.2 B7.1.3 B7.1.4 B7.1.5 The Association will take all possible steps to recover former tenant arrears Where appropriate, the Association will pursue the debt

More information

Management and Collection of Debt Policy. Effective date October 2014 Review date October 2017 Approved by Link Group Board. www.linkhousing.org.

Management and Collection of Debt Policy. Effective date October 2014 Review date October 2017 Approved by Link Group Board. www.linkhousing.org. Management and Collection of Debt Policy Effective date October 2014 Review date October 2017 Approved by Link Group Board 1. INTRODUCTION Link Group and its subsidiary companies provide a range of services

More information

Services to owners Policy

Services to owners Policy Services to owners Policy Contents 1. Background 2. Introduction 3. Legal Position 4. Service Provision Policy 5. Service Provision Services a. Factoring service b. Administration service c. Estate management

More information

Cabinet Member (Finance and Resources) (Gary Layzell)

Cabinet Member (Finance and Resources) (Gary Layzell) Agenda Item No. REPORT TO: Cabinet Member (Finance and Resources) DATE: 25 March 2015 SERVICE AREA: REPORTING OFFICER: SUBJECT: WARD/S AFFECTED: FORWARD PLAN REF: Finance Benefits Services Manager (Gary

More information

Milnbank Housing Association

Milnbank Housing Association Milnbank Housing Association DEBT MANAGEMENT POLICY LS/NOV 2010/REF.P5 1) AIM OF POLICY The aim of the Policy is to enable Milnbank Housing Association to limit and manage all debts owing to the organisation

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

Overseas chargeable patients, NHS debt and immigration rules. Guidance on administration and data sharing

Overseas chargeable patients, NHS debt and immigration rules. Guidance on administration and data sharing Overseas chargeable patients, NHS debt and immigration rules Guidance on administration and data sharing April 2016 Contents Introduction... 1 Why should NHS bodies supply such data to the Home Office?...

More information

Cheshire West & Chester Council

Cheshire West & Chester Council Cheshire West & Chester Council Debt recovery code of practice 1.0 Introduction 1.1 This code of practice underpins Cheshire West and Chester Council s corporate debt policy and sets out the approach adopted

More information

South Kesteven District Council Corporate Debt Management Policy

South Kesteven District Council Corporate Debt Management Policy South Kesteven District Council Corporate Debt Management Policy 1 South Kesteven District Council Corporate Debt Management Policy 1. Introduction 2. Policy Aims 3. Policies Common to all Types of Debt

More information

Payment Standard. Benefits Service

Payment Standard. Benefits Service Payment Standard Council Tenants will have any rent rebate credited to their rent account, leaving the tenant with a net amount to pay. Tenants who pay rent to a private landlord will receive payments,

More information

PRIVATE SECTOR HOUSING TENANT HARASSMENT AND ILLEGAL EVICTION POLICY

PRIVATE SECTOR HOUSING TENANT HARASSMENT AND ILLEGAL EVICTION POLICY PRIVATE SECTOR HOUSING TENANT HARASSMENT AND ILLEGAL EVICTION POLICY Version: Draft / Final number 1 Date: Date of final publication 2 Document Control Organisation Title Version Author Filename Owner

More information

Money Management Team Limited Limited Service & Fee Agreement

Money Management Team Limited Limited Service & Fee Agreement Money Management Team Limited Limited Service & Fee Agreement These Terms of Business set out the agreement between you and us. Please ensure that you read them all carefully. If you do not understand

More information