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Haven’t paid rent in months!

538 replies

Uppoopcreek · 31/10/2024 00:13

I’ve just realised I haven’t paid my rent in around 6 months! I don’t know how this could have happened?
ive lived here around 4 years. All I can think is I set up a standing order a while ago and it didn’t work properly?
now, I have pretty severe MH problems. Awful anxiety and depression(probable ADHD but still waiting for an appointment to start the process). I never check my bank, I’m behind with other bills, too. I’m a bury my head in the sand type of person, but worry constantly about everything, About a month ago I hit rock bottom. Won’t go into details, but it wasn’t great.
I have 3 DC, and I’m on benefits.
Help! What do I do?! Had a text from landlord last night asking me to call him, which is what’s just prompted me to look now. I was asleep when he text.

OP posts:
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5
Crikeyalmighty · 02/11/2024 18:30

@flea101 I agree- my 26 year old son has ADHD and is somewhat disorganised at times - he strangely manages to make sure his rent is covered every month and knows the state of what he has /or hasn't got in the bank - I think the OP is talking crap-she got away with it first month knowing landlord was in a state ( naturally) and then thought she would push it as that extra money was good- now realises she's in a mess.

BigManLittleDignity · 02/11/2024 18:20

SnoopysHoose · 02/11/2024 17:56

Where does it stop? just keep 'forgetting' to pay rent and the LA will keep bailing you out?
It's easy to set reminders on your phone to check the bank, you don't risk your children's home.

I’m not saying they should do it but if the law says they must house the children and this is the cheapest way, you can see why the LA do this. I’m not suggesting this is the OP’s situation but repeated episodes of homelessness like this (e.g. at fault) would be flagged to children’s services.

SnoopysHoose · 02/11/2024 17:56

Where does it stop? just keep 'forgetting' to pay rent and the LA will keep bailing you out?
It's easy to set reminders on your phone to check the bank, you don't risk your children's home.

BigManLittleDignity · 02/11/2024 17:53

DoreenonTill8 · 02/11/2024 16:05

@keffie12 so you think there could be circumstances where someone could say
'Ooops spent £3k+ of my rent on 'stuff' instead, and the LA will say 'oh sure, don't worry, we'll double pay'?

There is a duty to ensure the children are housed, so it is more cost effective to use a DHP than arrange housing for children (and their parent).

flea101 · 02/11/2024 16:58

I have schizophrenia, been in and out of hospital etc. I make sure I pay my bills to keep a roof over our heads. I would notice if the money had not gone out for our mortgage, when we rented I kept on top of the finances. I have had periods where I have overspent but I have responsibilities with my child and he deserves to have a secure home.

DoreenonTill8 · 02/11/2024 16:05

@keffie12 so you think there could be circumstances where someone could say
'Ooops spent £3k+ of my rent on 'stuff' instead, and the LA will say 'oh sure, don't worry, we'll double pay'?

keffie12 · 02/11/2024 15:54

SilverChampagne · 02/11/2024 13:59

I very much doubt OP will be eligible for the discretionary household payment issued by local councils!!
Certainly not, when she’s had her rent paid via benefits already, and failed to hand it over.
Why would anyone imagine they should pay twice?

I know people that have had the discretionary payment for housing, which if a payment is agreed by them, is paid directly to the landlord by the HSF. Yes, it can be for people who already had the rent money depending on the circumstances.

The circumstances of are taken into account. It is a one off. It's not done on a regular basis. Once it has been done once the rent is then directly paid to the landlord be it private or local authority/housing association.

The landlord will be told to apply for direct payment by the discretionary payments dept. Yes that can still be done on U.C too.

I work voluntary in this area so I know this to be true. Each case is taken on merit and it's not a given the H.D dept will pay it.

It is very much scrutinised, with evidence and usually they want to speak to a professional or service involved with the person/s.

I don't think anyone is justifying what has happened. I am not. You don't have to condone something to give practical advice. Every situation is different

Minadka · 02/11/2024 15:05

JaneFondue · 02/11/2024 07:13

As a landlord I wouldnt consider my having to sell my flat an acceptable compromise at all. Especially after I had lost my son.

This is why I try to actively avoid this tyoe of situation. I have my own MH to think of.

Well we don’t know landlords situation. OP said he lost his son few years ago and this flat used to be his. Maybe father wanted to keep the flat as a memory of his son but now thinks it’s too difficult to deal with such tenants so he wants to sell it.

Pickandmixmood · 02/11/2024 14:59

JaneFondue · 02/11/2024 14:42

Oh, I am already there ahead of everyone else, as I said. Though of course people in employment can also have MH issues. A bit less likely though.

Yes and many people with severe MH issues can keep their finances in order and make sure they pay their bills so it is quite unfair that they will all be tarred with the same brush.
Luckily, my LL didn’t know that I had just come out of a psychiatric hospital when I took on this rental property. I’m sure I wouldn’t have been chosen otherwise but I am a great tenant despite my MH issues.

JaneFondue · 02/11/2024 14:42

Pickandmixmood · 02/11/2024 14:21

Any LL reading this thread will be very unlikely now to take a chance on renting to someone with MH issues. Can’t blame them really when so many people are saying that the OP is justified in her behaviour and even vilifying her LL who has done nothing wrong.

Oh, I am already there ahead of everyone else, as I said. Though of course people in employment can also have MH issues. A bit less likely though.

DoreenonTill8 · 02/11/2024 14:32

Pickandmixmood · 02/11/2024 14:21

Any LL reading this thread will be very unlikely now to take a chance on renting to someone with MH issues. Can’t blame them really when so many people are saying that the OP is justified in her behaviour and even vilifying her LL who has done nothing wrong.

Well of course, especially when so many seem to have the view that it's evil and appalling to expect someone on benefits to actually pay rent!

Pickandmixmood · 02/11/2024 14:21

Any LL reading this thread will be very unlikely now to take a chance on renting to someone with MH issues. Can’t blame them really when so many people are saying that the OP is justified in her behaviour and even vilifying her LL who has done nothing wrong.

SilverChampagne · 02/11/2024 13:59

I very much doubt OP will be eligible for the discretionary household payment issued by local councils!!
Certainly not, when she’s had her rent paid via benefits already, and failed to hand it over.
Why would anyone imagine they should pay twice?

SnoopysHoose · 02/11/2024 13:42

OP is not saying she plans to live on benefits and not work in future.
she can't ben be bothered to check her bank so I don't imagine holding down a job will be easy, do you?
Security of a home isn't important for her as a mother, let's stop making excuses for the OP.

DoreenonTill8 · 02/11/2024 12:40

Bachboo · 02/11/2024 11:46

The landlord is in no way at fault here. The onus is the OP to pay the rent which she didn’t for 6 months

I wonder if he's at fault in the same way it's the serving staffs fault for dine and ditch...shops for shoplifters as they have stuff out on display...😆
Its absolutely bizarre how some on mn try and negate responsibility for everything!

Normallynumb · 02/11/2024 12:38

I very much doubt OP will be eligible for the discretionary household payment issued by local councils!!
They will expect a breakdown of her incomings and outgoings.
It's not paid just because OP has spent her rent " accidentally"
It may be the LL is forced to sell as he can't meet his own mortgage payments!
There is no magic money tree

Bachboo · 02/11/2024 11:47

ThisOldThang · 02/11/2024 11:06

Perhaps the LL and the OP have come to an arrangement where he will 'No Fault' evict her and her children because he's 'planning' to sell the house and then she can claim homelessness and attempt to get a Council House?

The LL cuts his losses and doesn't have to deal the legal fees, big delays, threat of vandalism, etc.

The OP walks away scot-free.

If that's the case, it's a pretty shitty outcome for the LL and the taxpayer. The taxpayer has had 6 months of rent money stolen by the OP and the LL hasn't been paid for the service he's provided. The taxpayer will still be legally obliged to support the OP and her children.

And people wonder why so many private landlords want nothing to do with benefit claimants. 🙄

This entirely

Bachboo · 02/11/2024 11:46

Fireworknight · 02/11/2024 11:35

I presume landlord hadn’t noticed there were arrears because he wasn’t the original landlord (his son was). Maybe probate has now been completed so the (new, ie father) landlord is now aware of the situation. In many ways, he’s also complicit for the arrears, for not noticing them earlier, but this maybe due to grieving over the loss of his son, or not having the full picture until now.

I hope that you can all come to mutually beneficial arrangements for the payments. (Also, it heeds a warning to guarantors, that a simple situation of a landlords death, could lead to rent arrears, which they may have to pay).

The landlord is in no way at fault here. The onus is the OP to pay the rent which she didn’t for 6 months

Fireworknight · 02/11/2024 11:35

I presume landlord hadn’t noticed there were arrears because he wasn’t the original landlord (his son was). Maybe probate has now been completed so the (new, ie father) landlord is now aware of the situation. In many ways, he’s also complicit for the arrears, for not noticing them earlier, but this maybe due to grieving over the loss of his son, or not having the full picture until now.

I hope that you can all come to mutually beneficial arrangements for the payments. (Also, it heeds a warning to guarantors, that a simple situation of a landlords death, could lead to rent arrears, which they may have to pay).

keffie12 · 02/11/2024 11:26

@Uppoopcreek You can apply to the council for HSF, which is discretionary help to pay back rent as well as other things. It grant payments

Explain to him what has happened, what you will be doing to rectify it.

If he still goes ahead with eviction proceedings then you need to talk to housing options at the council.

With your circumstances and because of your mental health under the disabled act they will beable to help you with housing

If you get help towards your rent through U.C or direct housing ask your landlord to apply directly to the dept paying the benefit for direct payments so this doesn't happen again

SoNiceToComeHomeTo · 02/11/2024 11:17

ThisOldThang · 02/11/2024 11:06

Perhaps the LL and the OP have come to an arrangement where he will 'No Fault' evict her and her children because he's 'planning' to sell the house and then she can claim homelessness and attempt to get a Council House?

The LL cuts his losses and doesn't have to deal the legal fees, big delays, threat of vandalism, etc.

The OP walks away scot-free.

If that's the case, it's a pretty shitty outcome for the LL and the taxpayer. The taxpayer has had 6 months of rent money stolen by the OP and the LL hasn't been paid for the service he's provided. The taxpayer will still be legally obliged to support the OP and her children.

And people wonder why so many private landlords want nothing to do with benefit claimants. 🙄

Unless I’ve missed a post, OP is not saying she plans to live on benefits and not work in future.

ThisOldThang · 02/11/2024 11:06

Perhaps the LL and the OP have come to an arrangement where he will 'No Fault' evict her and her children because he's 'planning' to sell the house and then she can claim homelessness and attempt to get a Council House?

The LL cuts his losses and doesn't have to deal the legal fees, big delays, threat of vandalism, etc.

The OP walks away scot-free.

If that's the case, it's a pretty shitty outcome for the LL and the taxpayer. The taxpayer has had 6 months of rent money stolen by the OP and the LL hasn't been paid for the service he's provided. The taxpayer will still be legally obliged to support the OP and her children.

And people wonder why so many private landlords want nothing to do with benefit claimants. 🙄

SnoopysHoose · 02/11/2024 10:40

Too many pps saying oh poor OP, no rent received for 6months??
I assume he wasn't relying on this income or OP would have been out on her ear long ago.
Never checking your bank as a parent with children reliant on you is irresponsible.
Kids are affected for the rest of their life by chaotic/neglective upbringings.

NiftyKoala · 02/11/2024 10:37

Bachboo · 02/11/2024 10:15

The landlord hasn’t received rent money for 6 months and you think that’s acceptable?

This. Yes its sad the op is struggling mentally. But how many people if in the land lords position would say hey no problem. I'm financially ruined and have to sell but my tenant has some mh issues she is struggling with so it's OK. It's easy to say poor op not her fault, but how many would take that financial hit? At the end of the day this is a business relationship. Unfortunately the world does not stop for us when we struggle and I say that as someone who definitely has struggled mentally in the past.

Bachboo · 02/11/2024 10:15

Frequency · 02/11/2024 08:51

People are making a lot of assumptions about the LL in order to maximise their sympathy for him and bash the OP further. All we know is he inherited the house from his son and might sell if he can't come to a suitable arrangement with OP. We don't know if he has a mortgage, mental health issues himself if he cannot afford to keep the flat, or any of the other things posters are assuming and using as a stick to beat OP with.

It could very well be that he simply doesn't want to be a LL and has only kept the house because OP lives there and would rather sell than go to the trouble of finding a new tenant if OP can't afford to stay.

OP, I'm glad your chat went well and I hope you can find a way forward and access the right support.

If for any reason you can't and the LL does put the house on the market please don't listen to the posters telling you to leave asap. If you do that the council will class you as intentionally homeless and refuse to rehouse you. You must stay until the bailiffs turn up and remove you.

It's a shitty situation for the LL and the tenant but unfortunately, that is the way the government dictates it must work.

The landlord hasn’t received rent money for 6 months and you think that’s acceptable?