{"id":1060,"date":"2023-09-04T08:30:52","date_gmt":"2023-09-04T07:30:52","guid":{"rendered":"https:\/\/www.redstareducation.co.uk\/blog\/?p=1060"},"modified":"2023-03-12T10:32:10","modified_gmt":"2023-03-12T10:32:10","slug":"the-consequences-of-missing-rent-payments","status":"publish","type":"post","link":"https:\/\/www.redstareducation.co.uk\/blog\/the-consequences-of-missing-rent-payments\/","title":{"rendered":"The Consequences of Missing Rent Payments"},"content":{"rendered":"<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.gov.uk\/government\/statistics\/english-housing-survey-2021-to-2022-headline-report\/english-housing-survey-2021-to-2022-headline-report\">The English Housing Survey 2021-2022<\/a> found that 26% of private renters reported that they found their rent either fairly or very difficult to afford. Therefore, it can certainly be easy to fall behind on rent payments, but what are the consequences if we do?<\/p>\n<h2 style=\"font-weight: 400;\">Credit History<\/h2>\n<p style=\"font-weight: 400;\">The first thing to note is that missed rental payments can leave a negative mark on your credit history which may lead to you being refused credit in the future, such as being declined a mortgage application to help you buy a home.<\/p>\n<p style=\"font-weight: 400;\">For more information about the world of credit and some ways in which you can improve your credit score, click <a href=\"https:\/\/www.redstareducation.co.uk\/blog\/talk-money-week-all-things-credit\/\">here<\/a>.<\/p>\n<h2 style=\"font-weight: 400;\">Rent Arrears: Negotiating with your Landlord<\/h2>\n<p style=\"font-weight: 400;\">If you fall behind on rent payments, you are in \u2018rent arrears.\u2019 If you\u2019re in rent arrears, it\u2019s best to try to tackle the problem as soon as possible; letting the issue build up will only worsen your situation.<\/p>\n<p style=\"font-weight: 400;\">If possible, you may want to try to come to an agreement with your landlord. \u00a0You could:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Explain why you fell behind on rent, e.g, you had lost your job<\/li>\n<li style=\"font-weight: 400;\">Explain how you can now pay what you owe, e.g, you have found a new job, or you are now claiming benefits<\/li>\n<li style=\"font-weight: 400;\">Draw up a repayment plan to repay what you owe over a certain length of time<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">Whilst worth trying, you must remember that your landlord is not obliged to agree to this, and they may well continue to proceed with eviction.<\/p>\n<h2 style=\"font-weight: 400;\">Pay what You Can<\/h2>\n<p style=\"font-weight: 400;\">Even if you cannot repay the full amount of your arrears, and your landlord has not agreed to a repayment plan, you should still try to pay off as much as you can afford. If your landlord takes legal action against you, or if you seek housing help from the council, it will help your case as it shows you are doing everything in your power to pay what you owe.<\/p>\n<p style=\"font-weight: 400;\">If your landlord is evicting you and they refuse to accept rent payments after giving you a written notice, you should still put that money aside as rent money. You are legally required to pay rent during the notice period and once the notice period runs out until you\u2019re actually evicted. If your landlord won\u2019t take it, you still shouldn\u2019t spend it. Instead, put this rent money in a separate account so that you can use it as evidence if your case goes to court in order to show you\u2019re prepared to pay off the arrears.<\/p>\n<h2 style=\"font-weight: 400;\">Eviction<\/h2>\n<p style=\"font-weight: 400;\">If you\u2019re in rent arrears, your landlord can evict you with a minimum of 2 weeks\u2019 notice. If you refuse to leave after this time passes, they can then apply to the court to evict you, at which point you will receive court papers.<\/p>\n<p style=\"font-weight: 400;\">At court, your landlord can ask for a possession order from the judge. If you still haven\u2019t left by the date on the order, the landlord can then ask for a warrant of possession, at which point you will be sent a notice of eviction by the bailiffs.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">As you can see, failing to pay your rent can come with serious consequences. Therefore, you may want to consider building emergency savings so that you can always afford to pay your rent, even if you lose your job or face an unexpected cost. (link sav<\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>The English Housing Survey 2021-2022 found that 26% of private renters reported that they found their rent either fairly or very difficult to afford. Therefore, it can certainly be easy to fall behind on rent payments, but what are the consequences if we do? Credit History The first thing to note is that missed rental [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[365,214,195,45,108,508,512,395,510,382,507,42,511,513,380,396,504,506,505,509],"class_list":["post-1060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-arrears","tag-bailiffs","tag-credit-history","tag-credit-score","tag-emergency-fund","tag-emergency-savings","tag-evicted","tag-eviction","tag-housing-help","tag-landlord","tag-missed-rent","tag-mortgage","tag-notice-period","tag-possession-order","tag-rent","tag-rent-arrears","tag-rental","tag-rental-agreement","tag-renter","tag-repayment-plan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - 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