Not Paying Your Rent

PlanToPay Contact us now for advice and support if you're struggling with your income. We're here to help, not to judge. Call us on 0300 304 5000, email us at info@estuary.co.uk or visit us online at www.estuary.co.uk. Find us on Facebook at estuary h a or on Twitter at estuary _ h a

 

If you do not pay your rent, you could lose your home.

 

  • Please remember it is your responsibility to make sure payments are made regularly and on time.

  • You still remain responsible even if you receive full Housing Benefit.

  • Home improvements, Transfers and Mutual Exchanges will be refused if you have any outstanding rent arrears.

Always contact us as soon as you are having financial problems. We will help where we can.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

 

The following gives a guide to the action we would take to recover any rent arrears.

First Reminder

If you miss a rent payment or are paying less than you should, you will receive a reminder from us.

 

  • This reminder could be a telephone call, letter, email or text message.

 

At this point, if for any reason you cannot make the required payment, you must contact us immediately.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

Second Reminder

If after the first reminder you do not pay your arrears, or if your arrears continue to rise, you will receive a second reminder.

 

  • This could also be by telephone call, letter, email or text message.

  • We will ask you to discuss the matter with us and pay your arrears.

 

If we do not hear from you or you do not make arrangements to clear the debt, we will send you a "Notice of Seeking Possession."

 

Always contact us as soon as you are having financial problems. We will help where we can.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

 

Notices

If your arrears still remain unpaid or you have not made an arrangement to pay, then you will be served with a Notice Of Seeking Possession.

 

  • You will have a maximum of 28 days to contact us to Plan To Pay to clear the debt before your case is referred to court.

 

Always contact us as soon as you are having financial problems. We will help where we can.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

 

Court Order

If you do not Plan To Pay, or you do not keep to an agreement to repay arrears, we will apply to Court. 

 

This is referred to  as a "Possession Order". A judge will decide if you need to leave your home, or if you can repay the arrears. This will be based on the evidence given to the Court by us and yourself.


In all cases you will be responsible for paying any court costs and legal costs the Association has incurred.

 

  • You should always attend court hearings and seek independent legal advice.

 

Always contact us as soon as you are having financial problems. We will help where we can.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

Warrant Of Eviction

After an Outright Possession Order has been granted, or if you fail to make the required payments after a Suspended Order, we will apply for a warrant to evict you from your home.

 

If a judge had agreed for you to repay the arrears and you fail to do this, then we can apply for an eviction. In some cases you have the right to apply to have the eviction stopped or suspended. Our Eviction Advice page will help you. 

 

  • You have the right to apply to have the warrant suspended. Please see our Eviction Advice page.

 

Eviction is always a last resort. However, evictions do occur and can happen to single people, couples or families.

 

Always contact us as soon as you are having financial problems. We will help where we can.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

 

If you are evicted because you have failed to pay your rent, you may be deemed "intentionally homeless" and may have difficulty in finding somewhere else to live.

Agreements

If at any point you are in rent arrears and cannot pay them all off at once, you must contact us as soon as possible. 

 

Agreements can normally be made so you can pay off arrears in instalments. How much these instalments are will depend on the amount of debt and your circumstances. The important thing is that once an agreement is made, it should be kept to.

 

  • Failure to keep to an agreement will lead to the next stage of our procedure for recovering arrears.

 

Always contact us as soon as you are having financial problems. We will help where we can.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

Housing Benefit And Universal Credit

Some residents will receive benefits which will cover some or all of the rent.

 

  • As a resident, it is your responsibility to ensure your information is kept up to date.

  • You also need to supply any supporting information to the relevant agency on time to ensure your benefits are not stopped and you become unable to pay your rent.

 

It is not the responsibility of Estuary Housing Association to make sure your Housing Benefit or Universal Credit is paid.

 

  • However, we will help you whenever you need us to. 

Please contact us if you are having any difficulties with a claim.  We can guide you through the maze of benefits and government help available.

 

Email icon and link to info@estuary.co.uk info@estuary.co.uk      Telephone icon. Call us on 0300 304 5000 0300 304 5000       Facebook Logo. Find us on Facebook at #Estuary_HA 

 

Our website provides a benefits calculator which can give you advice.

Simply answer questions anonymously online about your savings, income and outgoings.