If you are struggling to pay your rent, take action immediately!

October 28, 2011

CIA Let Property Blog

If you are struggling to pay your rent you may get into rent arrears and be at risk of loosing your home. This article will give you information on how to manage your debts and how to talk to your landlord to find a solution to this problem. If your landlord takes you to court, this will also provide you with advice on what happens on the day.

If you are getting behind with your rent or you see problems arising with being able to pay rent in the future, make sure you take action immediately. You must find out what tenancy you have, you may also get advice and it may be best to plan a budget to settle your debts. Talking to your landlord and trying to come up with a solution with them may help you. You may receive letters from your landlord about your rent arrears, you must read these and understand the information provided, also you must understand that your landlord may take action against you.

Find out what tenancy you have…

 Finding out what tenancy you have is important because it can make a big difference to what happens when you have rent arrears. A tenancy is a written legal agreement between a landlord and a tenant.

You may be asked if you a council tenant, Housing association tenant, private rent tenant ect…

If you are taken to court by your landlord, the judge will look into your tenancy to decide what action to take. This could make the judge decide when you need to leave your home or when and how you can pay your rent arrears and if you can stay in your home.

Making a budget…

There are plenty of organisations out there today that can help you with your growing debts, these companies will help you make a budget and help you pay off what you owe. One of those organisations is National debt line (http://www.nationaldebtline.co.uk/) and the national organisation Shelter (http://www.shelter.org.uk) offer help and advice on housing.

Finding a solution with your landlord

 If you do see problems arising contact your landlord straight away, between you there may be a solution made for this problem. The landlord may want to keep you as a tenant so they don’t loose money completely and have to find someone else to live in their property.

Keep any letters written between yourself and the landlord always if you come to an agreement, if you don’t come to any agreement your landlord may have to take action against you.

Court

If you are sent court papers you MUST attend, you will have your chance to explain to the judge why you are in rent arrears even if your landlord hasn’t listened to you, the judge must listen to both sides! If the judge decides that you must leave your home you can take legal advice and appeal the decision.

We hope you found this information useful. Please remember to use CIA Insurance when you or your family and friends need motorcycle insurance, landlords insurance or commercial insurance.

Source- http://www.direct.gov.uk

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