Haven’t paid rent in months!

If you are on benefits, ask for the rent to be paid directly to Landlord. That way you won't miss payments. You can also ask for the arrears to be deducted from your benefits.

First thing, apply for Discretionary Housing payment if you cannot afford to pay the rent. Tell your LL that you have applied for it. Contact citizens advice or step change for debt advice and they will be able to tell you what to do about the rest

I mean I care for someone with paranoid schizophrenia and he is useless with his money and planning etc but even he would notice if he suddenly had an extra £500 minimum to spend every month for half a year???

If you are tight on funds, you'd have noticed. You have to do everything in your power to prevent your guarantor being impacted by this. Sell what you can.

Hopefully you can make arrangements with the landlord to re pay. Is there someone you can trust that can over see your bill paying so mistakes can get caught quicker? Or maybe look into a company that does that as a service?

No way. You knew.

Contact the agency tomorrow. Be upfront. Then go to the council.

How much is your rent?

Unless your rent is very cheap I find it find to believe you have spent all your rent money on other bills because of the COL. You must be living well above your means.

How did you not notice the extra money but also manage to spend it?

Good luck with it all op. I hope you can manage to dig yourself out of this hole…

and don’t be hard on yourself but try to confront this head on

explain your situation and ask for a payment plan

Have you checked properly that the money has not gone out of your account.

it looks like from what you have described the rent and other bills have not been paid but you also didn’t see hundreds of extra pounds in your bank account?

Ring him asap. I did this virtually same circumstances get your head out the sand take a deep breath its in his best interests to work with you chip off what you can with the rent get help from anyone you can don’t stress the kids out like I did my landlord sold up with me owing £4000 and he still gave me a glowing reference for the council house I’m in now I’m still paying him and there not all monsters good luck 🤞 x

This. Not only did she not notice all the extra money, she somehow spent it all without realising.

How did you not notice all the extra money you had from not paying rent?

Will you be able to afford next month’s rent?

This is the issue with the housing benefit not going directly to a landlord.

I would pay from now on & see if he can offer a solution to the missing rent. I don't know much about it all but I don't believe he can evict you instantly.

I get it, op. I don’t check my bank account. I can’t. It makes me feel sick. I know how bad things are by the texts the bank send me.

I wouldn’t know if my rent was coming out, because I would assume it was and also wouldn’t see it coming out of my bank unless I checked…. Which I don’t.

Do you get any housing benefit within UC?

This. If you were struggling due to COL then you would know exactly how much money you had in your account and you couldn’t possibly have spent the rent without realising it.
I have MH issues too but this story doesn’t make sense

You need to call your landlord and be open and honest but I'm unsure how you have not noticed you haven't paid rent although if your in a bad health situation I do get that I also suffer anxiety and trauma from a past event but I would still know if rent wasn't going through
Trouble is now you do need to get This sorted can you get the money from somewhere I think you said you are on benefits? I presume universal credit? Go look at a dhp tomorrow immediately discretionary housing payment they will consider clearing your arrears but you need to help yourself presumably from what you said rent is basically going to you and you have not paid it so first things first is to get the landlord on board agree some repayment ask them to tell your housing payment to be directly paid to them to show good faith get onto dhp immediately tomorrow and try and sort this issue you will not be rehoused if they evict you because it's rent arrears even if you have children they take them as priority only sorry to be harsh but true and if you have a guarantor the landlord is going to go after them

I agree with @FiveShelties, let your guarantor know ASAP so they don’t get a shock phone call or even a solicitor’s letter from the landlord, that would be awful for them.

Before you call the landlord, take a look at your accounts and see what you’re able to pay right now-if you offer some payment right away, that will start the conversation off well.

Re. Other post and bills. Perhaps ask a trusted family member or friends to give you a hand going through it.

OK, well the first thing to do is to call your landlord first thing in the morning and discuss this with him head on, work out a solution between you both. If you had been reliable up until six months ago, he may well be open to a payment plan and allowing you to get back on track. He hasn't noticed the payments are missing, so he presumably isn't badly off himself.