If you’ve fallen behind with your rent payments and have built up arrears it’s important to act quickly. If you don’t pay these it may lead to you being evicted from your home.
You need to contact your landlord and tell them why you’ve missed payments and make and arrangement to repay the arrears. To clear the arrears you’ll need to pay your monthly rent payment and something towards the arrears each month.
How to repay your rent arrears
Create a household budget. Make sure that you list all of your income and expenditure. Don’t include any unsecured debts, like credit cards, personal loans or store cards, on this list. This is because the consequence of not paying these is not as serious as not paying your rent.
If you’ve got any money left, once you’ve paid all of these household costs, this will be the amount you can afford to pay towards your rent arrears.
Once you know how much you’ve got left each month you need to contact your landlord to arrange repaying your rent arrears. You can also send them a copy of your budget to show them you’re paying as much as you can afford.
If you rent your home from a private landlord they might be less willing to let you repay your arrears over an extended period, than a social landlord.
You may also find it useful to look into increasing your income or reducing your expenditure. This might give you some extra money to help clear your rent arrears quicker.
Help and advice
We can help you create a personal budget and work out what you can afford to pay towards your rent arrears. All you need to do is call our free Helpline on 0800 138 1111 or use our online Debt Remedy tool. All the advice we give you will be tailored to your specific situation.