Rent Arrears

Your rent should always be seen as a priority debt as we all need to have a roof over our head. Rent arrears means that you have missed your rent payments as they fall due. If you are struggling with debt it is important that you get help as soon as possible and do not put off the situation as it will only get worse.

What Should I do about my Rent Arrears?

If you find that you are struggling with your rent payments then you need to speak with your landlord as soon as possible. They may be willing to reach some kind of agreement with you, but don’t over commit to what you can afford as you don’t want to be in the same situation again. Landlords are not always as willing second time around!

Your landlord may be prepared to come to some kind of agreement for the arrears, such as paying them back alongside your regular payments. But remember that these arrears will have to be paid back at some stage.

In the worst case scenario it is possible for your landlord to go to court to gain an Eviction Order, but this isn’t always necessary and they could evict you without one. It is important to check your tenancy agreement to see how your landlord will deal with your arrears and the eviction process.

What about my Other Debt?

Rent should be considered as a priority payment. Even if you have other outgoings you should always make sure that the rent is paid off first or else you could risk eviction.

If you are struggling with your unsecured debt then One Advice may be able to help you. For free advice and information about a range of debt solutions, contact us today on 0800 019 5870.

Entering into an IVA may adversely affect your credit rating for up to six years from the date of approval.

Your property will be protected within an IVA but you may be required to release all or part of any equity during the period of the arrangement.

Failure to complete the term of an IVA can result in bankruptcy.

(In Scotland, a PTD is the equivalent to an IVA.)