Management and Collection of Debt Policy. Effective date October 2014 Review date October 2017 Approved by Link Group Board.
|
|
- Emmeline Hill
- 5 years ago
- Views:
Transcription
1 Management and Collection of Debt Policy Effective date October 2014 Review date October 2017 Approved by Link Group Board
2 1. INTRODUCTION Link Group and its subsidiary companies provide a range of services for which charges are payable. Effective collection of income and management of debts has a direct impact on resources available to provide services and improve and maintain housing stock across the Link group.. It sets out how, across Link, we apply common principles and take a clear and consistent approach to debt management and income collection for all services. 2. SCOPE AND APPLICATION This policy relates to collection of any income and debts due by individuals to Link, including: Rents Occupancy charges Service charges Debts owed by former tenants Management fees Factoring fees Insurance premiums Recoverable costs for repairs and maintenance Other charges to owners or other customers Recovery of legal and administrative costs incurred by Link in the recovery of any of the above debts. This policy will apply to companies within the Link Group with the exception of Horizon Housing Association, Larkfield Housing Association and any other independent registered social landlords which may become members of the Group. The independent members are responsible for their own income and debt policies and their implementation. They will normally adopt principles consistent with those in this policy. 3. PRINCIPLES The following principles govern the operation of this policy: Link will use legal remedies which are reasonable and take account of the circumstances of the debtor and his / her household Promotion of a culture of payment Prevention of arrears Clear, prompt and regular communication Fairness Service
3 Appendix 1 attached explains key elements of our debt collection procedures and sets out the legal and regulatory framework within which this policy operates. 4. OBJECTIVES The objectives of the policy are to ensure that: All tenants and other customers know how much they are due to pay and that their rents or other charges must be paid on time Link s actions focus on prevention of arrears, early detection of debts and clear communication with debtors at all stages Through the provision of Advice Services, Link provides help to tenants and other customers to maximise their income and realise any entitlement to housing related benefits and other sources of financial help Debtors give priority to reducing and repaying the amounts owing to Link at the earliest opportunity taking account of resources available to each individual. 5. APPROACH AND METHOD The Group Board, in its formal approval of the policy, accepts full responsibility for the policy and ensuring its implementation by companies within the Link Group, with the exception of Horizon Housing Association, Larkfield Housing Association and any other independent registered social landlords which may become members of the Group. The independent members determine their own income and debt policies and are responsible for their implementation.. Day to day responsibility for the operation and monitoring of this policy lies with appropriate Directors and Managers of the Link group of companies. All relevant employees have a responsibility to ensure that the policy is applied as instructed. The policy will be implemented using the following approaches: We provide clear procedures and training for staff working in income collection and arrears control We provide resources and guidance for staff to enable them to offer support and assistance to customers while maximising income for Link We define levels of responsibility within the collection process We promote a culture of payment, providing a wide range of payment methods
4 We maintain up to date accounts to enable early, pro active action, to prevent arrears escalation We will adhere to all pre court requirements We maintain accurate records of all actions taken We make realistic arrangements for repayment of any debts owed to Link We take legal action to pursue debts as appropriate to individual household circumstances We shall review procedures at least every 3 years and implement measures to improve efficiency and collection levels as necessary We shall keep employees informed of changes to policy and procedures We shall monitor adherence to policy requirements and procedures. Our procedures will incorporate a wide range of actions, some of which are listed in Appendix 1 attached. Link will arrange advice and guidance for tenants and other customers to enable as many as possible to manage their debts, maintain payments and sustain their agreements or obligations to Link. We shall work in partnership with local authorities and other agencies to minimise the number of tenants who become homeless as a result of non payment of rent. We shall however, as a last resort, take court action for repossession of the homes of tenants who fail to cooperate or who wilfully mismanage their rent accounts. When these actions are successful we shall act on the decree issued by the court to evict the tenant and to recover debts. Court action will also be taken against other debtors, including in the case of owners or sharing owners pursuing unpaid debt through small claims or invoking a notice of potential liability as appropriate. Should decree be issued by the court we shall enforce it to recover debts. 6. MONITORING, PERFORMANCE MEASUREMENT AND REPORTING The following areas will be subject to monitoring: Risk management Provision of training and / or information to staff The effectiveness of collection procedures
5 Levels and classes of debt Identification of bad debts and recommendations for write off Introduction of new statutory or regulatory requirements in relation to debt collection and homelessness These will be monitored by appropriate Managers within each company and / or function, and reported to the relevant Director. Any matter which demonstrates a serious failure of internal controls should also be reported immediately to the Chief Executive. Audits of policy compliance may be conducted by the Internal Auditor and / or the Strategy & Business Support Team. Audit results will be reported to the Audit Committee 7. COMPLAINTS AND APPEALS Link welcomes complaints and positive feedback, both of which provide information which helps us to improve our services. We use a complaints handling procedure (CHP) developed by the Scottish Public Services Ombudsman (SPSO) and the Scottish Housing Regulator. The CHP allows for most complaints to be resolved by front line staff within a 5 day limit (first stage), or if the complaint is complex, a detailed investigation will be made by a manager within a 20 day limit (second stage). At the end of the second stage our response will be made by a Director. If the complainer remains dissatisfied he / she may then refer the matter to the SPSO. The SPSO does not normally review complaints about our factoring service. If a factoring customer is dissatisfied after using the CHP, the complaint may be referred to the Homeowners Housing Panel. Anyone receiving care or support services from us has the right to complain either direct to the Care Inspectorate or to us. At each stage Link will advise the complainer how the complaint should be taken forward and advise which agency will be most appropriate to consider the case 8. EQUALITY AND DIVERSITY This policy has been reviewed and complies with Link Group s vision of providing socially inclusive services underpinned by our core values of equality and diversity. Services and procedures which are developed from this policy will be subject to similar assessment.
6 9. POLICY AVAILIBILITY This policy is available to the public on the Link Group website. Copies are also available on request and free of charge from Link. A summary of this policy can be made available in a number of other languages and other forms if required. 10. POLICY REVIEW Link undertakes to review this policy regularly with regard to: applicable legislation, rules, regulations and guidance changes in the organisation continued best practice. The review will be coordinated by Link Group s Strategy & Business Support Team. Link Group Limited is a registered society under the Co-operative and Community Benefit Societies Act 2014, Registered Number: 1481 R(S), Registered Office: Link House, 2c New Mart Road, Edinburgh, EH14 1RL. It is a Charity registered in Scotland, Charity Number: SC and a Registered Social Landlord with the Scottish Housing Regulator, Registration Number: HAL 148. Link Group 2015.
Property Management (Factoring) Policy. Approval date July 2014 Review date July 2017 Approved by Link Group Board. www.linkhousing.org.
Property Management (Factoring) Policy Approval date July 2014 Review date July 2017 Approved by Link Group Board 1. INTRODUCTION This policy has been devised to show how Link operates property management
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
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
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
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
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
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
South Lanarkshire Council Debt Recovery Policy
South Lanarkshire Council Debt Recovery Policy If you need this information in another language or format, please contact us to see how we can best meet your needs. Phone 0303 123 1015 or email equalities@southlanarkshire.gov.uk
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
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
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
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
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
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
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
Scottish Homeowners Property Factors Toolkit
Scottish Homeowners Property Factors Toolkit Govan Law Centre, Glasgow, 2013. 1 Scottish Homeowners Property Factors Toolkit Are you unhappy with the service you are getting from your factor in Scotland?
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
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
ARREARS MANAGEMENT POLICY SUMMARY
ARREARS MANAGEMENT POLICY SUMMARY CONTENTS INTRODUCTION Page 3 WHAT ARE THE MAIN OBJECTIVES OF THIS POLICY? Page 4-5 GOING THE EXTRA MILE Page 6 HOW WILL PWL DEAL WITH FORMER OWNER DEBTS? Page 7 HOW DOES
River Clyde Homes. Sundry Debt and Former Tenant Arrears Recovery Policy. Approved: Oct 2012... Review date: Oct 2015..
River Clyde Homes Sundry Debt and Former Tenant Arrears Recovery Policy Approved: Oct 2012... Review date: Oct 2015.. This policy can be made available on request in a variety of different formats, such
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
CORPORATE DEBT POLICY
CORPORATE DEBT POLICY December 2008 Contents 1. Introduction 2. Background 3. Objectives 4. Code of Practice 5. Implementation and Monitoring 6. Review 1 Introduction Implementing a Corporate Debt Strategy
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
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.
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
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
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
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.
Public Policy. Factoring Debt Recovery Procedure
Property Factors Registered Number: PF000302 Our Commitment Argyll Community Housing Association is committed to provide equal opportunities across all services and to avoid discrimination. This policy
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
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
DCPM PROCEDURE DEBT RECOVERY. The Dunedin Canmore Group supports equal opportunities for all: Insert hyperlink to Equality and Diversity Policy
DCPM PROCEDURE DEBT RECOVERY The Dunedin Canmore Group supports equal opportunities for all: Insert hyperlink to Equality and Diversity Policy MONITORING FORM Department DCPM Departmental Director Susan
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
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
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)
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
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
LONDON BOROUGH OF ENFIELD CORPORATE DEBT MANAGEMENT POLICY
LONDON BOROUGH OF ENFIELD CORPORATE DEBT MANAGEMENT POLICY 1. Introduction This document sets out the Council s policy for the billing, collection and enforcement of Council debt. Debt management is the
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
Cernach Housing Association Factoring Policy
1. INTRODUCTION Housing Association Limited Cernach Housing Association as a landlord and factor accepts the responsibility for providing a range of services for all of the properties under its control.
How To Manage Factoring In Scotland
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
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
Property LIMITED. Owner s Handbook
Property ManagemeNt LIMITED Owner s Handbook This Owner s Handbook is intended as a guide to our Factoring Service to be provided to all our existing and prospective clients. CONTENTS Section 1 Who we
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
Appendix A. Draft Debt Management, Recovery and Write-Off Policy
Appendix A Draft Debt Management, Recovery and Write-Off Policy CONTENTS Page 1. Introduction and Aims 2 2. Billing and Invoicing arrangements. 4 3. Payment of Bills and Invoices 4 4. Enforcement. 5 5.
H 7. Factoring Policy. If you require this policy in a different format please ask a member of staff. Date of Approval Oct 12 Review Due Dec 15
H 7 Factoring Policy If you require this policy in a different format please ask a member of staff Date of Approval Oct 12 Review Due Dec 15 1.0 The Association s Objective 1.1 Elderpark Housing Association
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
INCOME MANAGEMENT POLICY
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
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.
21 March 2002 NON-EXEMPT HOUSING (SCOTLAND) ACT 2001; ALLOCATION POLICY AMENDMENTS & IMPLEMENTATION UPDATE
STIRLING COUNCIL THIS REPORT RELATES TO ITEM ON THE AGENDA CARE COMMITTEE ENVIRONMENTAL SERVICES HOUSING SERVICES 21 March 2002 NON-EXEMPT HOUSING (SCOTLAND) ACT 2001; ALLOCATION POLICY AMENDMENTS & IMPLEMENTATION
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
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
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.
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
Complaints Handling Procedure
Data Label: PUBLIC West Lothian Council Complaints Handling Procedure February 2013 Foreword West Lothian Council is committed to providing services to people living and working in our communities that
REVENUES DEBT RECOVERY POLICY
REVENUES DEBT RECOVERY POLICY 1.0 Introduction 1.1 Wyre Forest District Council is responsible for the collection of council tax and national non-domestic rates (NNDR) on behalf of Worcestershire County
DEBT RECOVERY POLICY. FINAL Version 12 Aug 15 Date for Revision Aug 16
DEBT RECOVERY POLICY FINAL Version 12 Aug 15 Date for Revision Aug 16 CONTENTS 1. Policy Statement 2. Scope of Policy and Procedure 3. Objectives and targets 4. Action plan 5. Bad debts 6. Monitoring and
Policy On Collection of Student Fees and Related Charges
Policy On Collection of Student Fees and Related Charges Scope 1. This policy relates to all fees and charges payable to the University by current and former students for the use of its facilities and
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.
Corporate Debt Policy
Corporate Debt Policy - 1 - Table of contents Section 1. Introduction 2. Key principles 3. Scope of the policy 4. Policy aims 5. Priority debtors 6. Contact with customers 7. Recovery action 8. Disputes
Council Tax Debt Recovery Policy
Council Tax Debt Recovery Policy Contents 1. Legal Framework 2. Demand Notice 3. Joint & Several Liability 4. Instalments 5. Methods of Payment 6. Reminder/Final Notices 7. Summons 8. Liability Order/Request
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,
How To Run A Factoring Service In Scotland
Clydebank Housing Association Ltd. Factoring Policy (Registration No. PF000231) Management Committee submission: 26 March 2013 Approved: 26 March 2013 Review date: March 2016 This policy can be made available
Wigan Council Corporate Debt Policy (CDP)
Wigan Council Corporate Debt Policy (CDP) Reviewed December 2013 Wigan Council Corporate Debt Policy Index PART 1 - What is a Corporate Debt Policy (CDP) and why have one? Page 1.1 What is a Corporate
STANDARD LIFE ASSURANCE LIMITED FUTUREPERFECT MORTGAGE TERMS AND CONDITIONS (ENGLAND AND WALES) 2009
STANDARD LIFE ASSURANCE LIMITED FUTUREPERFECT MORTGAGE TERMS AND CONDITIONS (ENGLAND AND WALES) 2009 LOANS SECURED ON FREEHOLD AND LEASEHOLD PROPERTY IN ENGLAND AND WALES YOU SHOULD KEEP A COPY OF THIS
RIBBLE VALLEY BOROUGH COUNCIL REPORT TO POLICY AND FINANCE COMMITTEE
RIBBLE VALLEY BOROUGH COUNCIL REPORT TO POLICY AND FINANCE COMMITTEE DECISION meeting date: 22 SEPTEMBER 2009 title: CORPORATE WRITE OFF POLICY submitted by: DIRECTOR OF RESOURCES principal author: LAWSON
Easthall Park Housing Co-operative. Making a difference to our Community. Factoring Policy and Statement of Services
Easthall Park Housing Co-operative Making a difference to our Community Factoring Policy and Statement of Services 2014/2015 Introduction These are the terms and conditions for the provision of factoring
Guide to the Debt Recovery Process
Guide to the Debt Recovery Process How it works, and what we The debt recovery process can seem confusing and daunting. We aim to simplify it as much as we can, and to make clear from the outset what we
How To Help The Council With Its Finances
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
Factored properties include Owners and Sharing Owners who receive services from the Association.
Factored Properties Procedures Introduction These procedures have been developed to ensure that the Association meets the requirements of the Property Factors (Scotland) Act 2011, Code of Conduct for Property
Council Tax Relief on the Grounds of Hardship
Council Tax Relief on the Grounds of Hardship 1. Introduction 1.1 The Local Government Finance Act 1992 section 13a has always allowed for a discretionary relief of Council Tax in exceptional circumstances
Excess Professional Indemnity. Policy document
Excess Professional Indemnity Policy document Contents A warm welcome to Zurich 3 Your Excess Professional Indemnity policy 3 Section 1 Definitions 5 Section 2 The Cover 5 Section 3 Provisions 6 Section
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
FACTORING DEBT RECOVERY POLICY
FACTORING DEBT RECOVERY POLICY Introduction 1. The Association aims to minimise the level of Factored owner s debt in a sensitive and effective manner. 2. This document sets out the approach we will take
BUIDHEANN TIGHEADAS LOCH AILLSE AGUS AN EILEIN SGITHEANAICH LTD LOCHALSH AND SKYE HOUSING ASSOCIATION STATEMENT OF FACTORING SERVICES
BUIDHEANN TIGHEADAS LOCH AILLSE AGUS AN EILEIN SGITHEANAICH LTD LOCHALSH AND SKYE HOUSING ASSOCIATION STATEMENT OF FACTORING SERVICES 1 Revision 1 24 July 2013 CONTENTS 1. Written Statement of Factoring
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
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
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
MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the
MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the Claims Management Regulator in respect of claims management
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
PPI Claim Form. Easy steps to claim back your money. 1. Fill in all the required details and questionnaire.
PPI Claim Form Easy steps to claim back your money. 1. Fill in all the required details and questionnaire. 2. Sign and date the Terms of Service and Letter of Authority where you see the Joint policies
Section 1. INTRODUCTION Page 1. Section 2. ISSUING ACCOUNTS Page 2. Section 3. INTERNAL DEBT Page 5. Section 4. FOLLOW UP PROCEDURE Page 7
THE MORAY COUNCIL SUNDRY DEBT MANAGEMENT POLICY CONTENTS Section 1. INTRODUCTION Page 1 Section 2. ISSUING ACCOUNTS Page 2 Section 3. INTERNAL DEBT Page 5 Section 4. FOLLOW UP PROCEDURE Page 7 Section
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
SFJIB11 Provide first line money and debt legal advice
Overview This standard is about providing clients with direct money management and debt information and advice at the point of initial contact with the service. You will establish their needs and expectations
BUCKINGHAMSHIRE COUNTY COUNCIL DRAFT CORPORATE DEBT MANAGEMENT STRATEGY
Appendix 1 BUCKINGHAMSHIRE COUNTY COUNCIL DRAFT CORPORATE DEBT MANAGEMENT STRATEGY Version Draft Version 2.0 Sponsor Date Produced 30.12.2014 Next Review Date Approved by Regulatory & Audit Committee Approved
How To Manage Factoring In The Elderpark Housing Association
FACTORING INVOICING AND ARREARS PROCEDURES Elderpark Housing Association November 2012 Factoring Invoicing and Arrears Procedures 1. Pre Invoicing Procedures. i) Management Charge and Insurance are specified
NORTH LANARKSHIRE COUNCIL REPORT POLICY AND RESOURCES (FINANCE) SUB-COMMITTEE. STRIKING THE BALANCE : A NEW APPROACH TO DEBT MANAGEMENT
NORTH LANARKSHIRE COUNCIL REPORT To: POLICY AND RESOURCES (FINANCE) SUB-COMMITTEE. Subject: STRIKING THE BALANCE : A NEW APPROACH TO DEBT MANAGEMENT From: DIRECTOR OF FINANCE Date: 31 October, 2001 Ref:
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
Complaints handling procedure
East Ayrshire Council Complaints handling procedure September 2012 2 East Ayrshire Council Complaints handling procedure: September 2012 East Ayrshire Council - Complaints handling procedure Foreword Our
London Borough of Sutton. Corporate Debt Recovery Policy
London Borough of Sutton Corporate Debt Recovery Policy Corporate Debt Recovery Policy Reviewed August 2011 Contents Objective... 3 Framework... 3 Purpose... 3 Roles and Responsibilities... 3 Raising Invoices...
Statement of Services
Statement of Services Property Factors (Scotland) Act 2011 Property Factors (Scotland) Act 2011 Statement of Services What is the Property Factors Act? The Property Factors (Scotland) Act of 2011 is a
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
Compensation Policy. Compiled by: Becci Youlden Date: 14 th September 2005 Approved by: Housing Services Committee Review dates: 09/01/08, 29/08/08
Compensation Policy Compiled by: Becci Youlden Date: 14 th September 2005 Approved by: Housing Services Committee Review dates: 09/01/08, 29/08/08 Contents table Section Content Page 1 Introduction 3 2
GOOD MANAGEMENT PRACTICE GUIDE FOR HOUSES IN MULTIPLE OCCUPATION MAY 2004. The Regional Strategic Housing Authority for Northern Ireland
GOOD MANAGEMENT PRACTICE GUIDE FOR HOUSES IN MULTIPLE OCCUPATION MAY 2004 The Regional Strategic Housing Authority for Northern Ireland Introduction This Guide is supplementary to the Statutory Registration
FACTORING AGREEMENT ARGYLL COMMUNITY HOUSING ASSOCIATION LIMITED
ARGYLL COMMUNITY HOUSING ASSOCIATION LIMITED This is a FACTORING AGREEMENT between Argyll Community Housing Association Limited, having our registered office at 63-65 Chalmers Street, Ardrishaig, Argyll,
A Landlord s Guide to Housing Benefit
A Landlord s Guide to Housing Benefit October 2009 A landlord s guide to Housing Benefit; Table of Contents Introduction...3 Standards Of Service...3 Processing Housing Benefit Claims...3 Changes in circumstances...3
North Ayrshire Property Factoring Service Statement of Services
North Ayrshire Property Factoring Service Statement of Services On 1 October 2012, the Property Factors (Scotland) Act 2011 ( the Act ) was brought into force by the Scottish Government. This new legislation
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
Excess Professional Indemnity policy
Excess Professional Indemnity policy Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Your Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover
APPENDIX 1. LB Lambeth Income and Debt Recovery Strategy 2015/17
APPENDIX 1 LB Lambeth Income and Debt Recovery Strategy 2015/17 For Lambeth council, responsible financial management is critical to enabling the delivery of over 100 core services efficiently and sustainably.