Rent Arrears Help
Negotiating with your landlord, setting up payment plans, and avoiding eviction when you owe rent.
Important Warnings
- Do not ignore letters or court papers from your landlord. This will make things worse.
- Do not promise to pay more than you can afford. A broken payment plan will damage your credibility.
- Eviction for rent arrears can take several months, giving you time to act. Use that time wisely.
- Rent arrears mean you owe rent to your landlord. Even small arrears can lead to eviction if not dealt with.
- Your landlord cannot evict you without going to court, even if you owe rent. You have time to negotiate and get help.
- Many landlords will accept a payment plan if you show you are trying to sort out the arrears.
- If arrears are due to benefit problems, Universal Credit delays, or other issues outside your control, tell your landlord and get evidence.
- You have the right to stay in your home while you negotiate with your landlord and try to pay off arrears.
- Your landlord must follow the legal eviction process. They cannot lock you out or remove your belongings.
- You can ask the court for more time to pay if your landlord takes you to court for possession due to arrears.
Next Steps
Contact your landlord immediately
Do not ignore the problem. Explain why you are in arrears and propose a payment plan. Put it in writing.
Check your benefits
Make sure you are claiming all the benefits you are entitled to. Use an online benefits calculator.
Apply for Discretionary Housing Payment
If your rent is more than your Housing Benefit or Universal Credit covers, apply for a DHP from the council.
Set up a payment plan
Offer to pay current rent plus a small amount towards arrears each week or month. Be realistic about what you can afford.
Get advice from Shelter or Citizens Advice
They can help you negotiate with your landlord, check if eviction proceedings are valid, and represent you in court if needed.
Attend court if eviction proceedings start
Do not miss the hearing. Bring evidence of your payment plan and ask the judge for time to pay.