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Rent Arrears

Practical help for landlords dealing with missed rent, Universal Credit issues, repayment plans and escalation decisions.

Quick answer

Act early, keep a clean rent ledger, write clearly and separate support/repayment options from legal escalation.

First 7 days after missed rent

  • Check the rent due date and amount.
  • Send a polite arrears reminder.
  • Ask whether there is a payment problem or Universal Credit issue.
  • Update the rent ledger and save the message.

When arrears continue

  • Send a firmer arrears letter with the balance and payment options.
  • Consider a repayment plan if the tenant engages.
  • Signpost to benefits/debt support where appropriate.
  • Prepare possession evidence if arrears approach the legal threshold.

Evidence to keep

  • rent ledger
  • bank statements
  • tenant messages
  • repayment proposals
  • UC/direct payment correspondence

Common mistakes

  • Letting arrears build silently.
  • Using aggressive wording before clarifying the reason.
  • Not keeping a running balance.
  • Confusing housing benefit/UC delays with deliberate non-payment.

Related resources

  • Rent arrears letter
  • Repayment plan template
  • Universal Credit rent arrears
  • Rent arrears calculator

Sources to review

Disclaimer: This is general information for landlords and is not legal advice. Check current official guidance before serving notices, changing rent, refusing requests or starting possession.

Guides, templates and tools

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