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Rent

Funnyday

Funnyday

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Joined
Oct 15, 2016
Messages
526
I didn't have enough money to make my contribution to the rent payment on last Friday. So I cancelled the direct debit so that I didn't receive a charge for it bouncing by the bank. When I received my benefits on Tuesday. I paid last Fridays amount.

Today I received a voice message from my landlord asking me to contact them about my direct debit. I had rent arrears many years ago when I was really broke. The landlord took me to court and I was ordered to make payments every two weeks until it was cleared. However , one of the stipulations of having a judgement against me was that in the future the landlord needn't go back to the court for an eviction order if I was late with the rent.

I'm really anxious and uneasy about this and have pain deep in my guts. I really don't want to contact the landlord about this. I could email but then they will have something to justify any action they take. My rent account was in credit the whole time that this payment was late. As I had a few years ago paid an extra £5 a week just in case that I was moved over to Universal Credit.
 
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Jules5

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Jan 27, 2019
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Funnyday No Fears and No Worries. I am sure your landlord just wants to know why the direct debit was canceled. I do not think he can evict you for being a few days late with payment. I wish you the best hugs Jules
 
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AuraSunset

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Oct 27, 2019
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I understand why you're worried about this, but trust me, I've made many financial situations so much worse by not responding because I was too anxious to. Just try to think about it from your landlord's point of view. He doesn't know why you cancelled your direct debit, he just knows his tenant has cancelled it. So obviously he's going to want to know why, right? I don't think they are going to take action against you for making a payment a few days late. Especially when you've been paying in extra, just in case. You're clearly a good tenant. I'm sure they just want to know why you cancelled. They might think you're going to move out or something. I think it's better to explain, because your explanation is a perfectly reasonable one. If you don't respond, they have no idea why you did it.
 
Lunar Lady

Lunar Lady

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Jules and AuraSunset have given you very sound advice - your landlord is just anxious and putting his mind at rest with a verbal conversation will likely be the end of the matter. If you don't get in touch - and quickly - your landlord is going to panic and think something is wrong. Don't forget, some landlords are entirely dependent on rent as a crucial source of income - he/she might also incur bank charges if they have payments going out that are normally covered by rent on that date.

Deep breath - make that call - and you can stop worrying and fretting.

All the best x
 
Funnyday

Funnyday

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Oct 15, 2016
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526
My landlord is a registered social housing authority. I'm just another tennat to them. Even though I was their very first tennat when they were formed 11 years ago. I'll give them a call later and see what they say. Thanks.
 
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AuraSunset

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Oct 27, 2019
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My landlord is a registered social housing authority. I'm just another tennat to them. Even though I was their very first tennat when they were formed 11 years ago. I'll give them a call later and see what they say. Thanks.
I'm sure it's the same deal though. They probably just want to know why you cancelled. I hope everything went ok if you called.
 
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ramboghettouk

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if you've cancelled the direct debit the landlord can't be sure he'll be paid in future, he's probably nervous,
 
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indigo6

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Jan 30, 2019
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762
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Like others said hes probably anxious about why suddenly the dd has stopped, it would have been best to send let him know you would be delayed by a few days and you could have given any reason. To get your facts straight in case it happens again, why not either call the councils team that deals with homelessness prevention/tenancy relations, Shelter or the CAB because I am pretty sure I read once that its 8 week arrears and the court has no choice the to allow the eviction. I may well be totally wrong. Not trying to encourage you but just saying a few days is not gong to be acceptable to the council nor the judge. I think your problem would be explaining how when you have a definite amount for rent covered in full by UC you delved into it. Think of a good reason x
 
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ramboghettouk

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i remember many phases of the moon ago when i lost that job i stopped the standing order for the rent got an eviction threat, phoned housing assoc the women said you've been in arrears for years i said the arrears your referrring to are 9 pound between the rent been taken out and the standing order been paid in, she said it all adds up

i sometimes wonder whether my housing assoc could say in court i've been in arrears for years as housing benefit is paid 4 weeks in arrears, i'm not sure of that it used to be 2 weeeks in arrears 2 weeks in advance

a bit of advice you could ask or suggest paying the rent money direct to the housing assoc, i know in practice thats hard if your on universal credit but it'd put the ball in their court
 
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