If you are unable to pay your rent, you have missed rent payments or you are worried your payments are not being made, sort things out as soon as you can. Rent arrears are "priority debts" which means the consequences of not dealing with them could end up in you losing your home. This may cause you difficulties in gaining a home in the future.
There are a number of things you can do to prevent you from losing your home and getting into rent arrears, for example:
- Write down all your income and outgoings, then you should be able to see how much you have got to pay your debts
- If your income has changed, you may qualify for benefits that would help your financial problems. For example, Tax Credits, Council Tax and Housing Benefit.
- Work out how much you can reasonably afford to pay each company or person you owe money to
- Make a list of all your debts and put them in order of "priority"
- Consider seeking free and impartial advice from independent debt advice agencies such as CAB / Shelter Cymru. CAB are currently offering advice and information from our offices here at 41 Conway. Please contact the Housing Solutions team on 0300 124 0050 to organise an appointment.
- Talk to your landlord to try and reach an agreement about paying off the arrears. Be realistic, do not agree to pay more than you can afford.
- If you are a housing association tenant, they will have a policy about how they collect rent arrears. Speak to your housing officer who will be able to discuss your rent account with you and make an agreement that you will be able to afford