Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
Thread gallery
5
Niceandkneesy · 01/11/2024 18:10

WallaceinAnderland · 31/10/2024 01:14

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

And yet you still spent the money and didn’t think to pay the rent. Come off it!

Drakhan · 01/11/2024 18:04

First things first Go to your bank and find out why your Standing order didn’t go out.
Get written confirmation.
Reinstate it if you can.
Work out your finances so that you can pay your rent + part of arrears each month.
Speak to your guarantor
then
finally speak to your landlord.
No point speaking to landlord unless you know you can make the new payments

CocoCarrie · 01/11/2024 17:54

Do we have an update yet?

ConstanceM · 01/11/2024 17:49

Lets hope the landlord doesn't have a mortgage else he will be be arrears and bank could take the house off him permanently. Lets hope it doesn't come to that. Not sure what Mumsnet is supposed to do, probably wise to call landlord in the first instance and your guarantor in that order. Also get some help.

GertrudePerkinsPaperyThing · 01/11/2024 17:45

Todaywasbetter · 01/11/2024 10:39

If I was the landlord, I would insist on direct payments.

That might be beneficial to the OP too by the sounds of it.

GertrudePerkinsPaperyThing · 01/11/2024 17:44

SatansBobbleheadedDashboardOrnament · 31/10/2024 00:50

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.

I think this.

I’m sorry your MH is so bad Op. Can you get some practical help for it, rather than simply medication?

Grandmotherly · 01/11/2024 17:41

Citizens Advice is a good first place to start. They can do a benefit check snd their debt advisors can help sort out a debt management plan

TruthThatsHardAsSteel · 01/11/2024 16:31

sanityisamyth · 01/11/2024 11:10

OP hasn't been back ...

Yeah I wonder why...

BebbanburgIsMine · 01/11/2024 11:37

I've read the whole thread, but this is my first post on it, I was just thinking the OP might be in trouble with the DWP, if she's spent the money meant for her rent, would it be misappropriation of funds?

I'm also starting to think, as she hasn't come back to update anything that she might have been hoping for offers of money.

If she's not a troll that is.

sanityisamyth · 01/11/2024 11:10

OP hasn't been back ...

sanityisamyth · 01/11/2024 11:09

@SilverChampagne if the payments were going into the deceased son's bank account and they closed it, they would fail? Still up to OP to check the payments were made and the new landlord was receiving the rent.

SilverChampagne · 01/11/2024 10:42

Roundandback · 31/10/2024 22:26

I find tracking my spending incredibly difficult - so, if my standing order hadn't been going through I wouldn't necessarily be aware that the money I was using was 'rent' money.

If your standing order had been set up properly and had previously worked ok, it would have been going through.
They really don’t just fail, without intervention.

Todaywasbetter · 01/11/2024 10:39

If I was the landlord, I would insist on direct payments.

Fireworknight · 01/11/2024 10:20

@Uppoopcreek did you phone your landlord yesterday, as planned? His did the conversation go? Hopefully you were able to sort out some sort of payment plan to resolve the issue?

Bachboo · 01/11/2024 09:12

Frequency · 01/11/2024 08:22

It is easy to check your balance but when you know no matter how you do your sums things aren't gonna add up it is depressing and easy to avoid, even without mental health issues.

I hate checking my bank for that reason. I've just been paid and after rent, topping up the gas, paying for my driving lesson and paying the broadband bill over 2 thirds of my wages are gone and I'll be skipping lunch again this week to make sure we can afford to heat the house for an hour a day and I work fulltime. I can't even begin to imagine how hard people in OP's situation are finding things.

Luckily, I will eventually pass my driving test and have that expense reduced dramatically, plus I can use my new driving licence to find a better job so I know there is end in sight. How demoralising must it be to mot have that light at the end of the tunnel? I wouldn't want to check my bank and confirm how much money I didn't have if I was in OP's shoes and I don't have any mental health struggles.

The op is relying on benefits. Maybe if she got a job she would be better off financially and mentally

Bachboo · 01/11/2024 09:06

Frequency · 01/11/2024 06:40

It is so easy to spend more than you realise when you're not checking your bank. I do it frequently. I have no clue how people on UC are managing. I earn above NMW and I'm struggling hard.

There's been more than one occasion where my wages are gone 3 days after I've been paid. If OP is on pre-payment meters they'll be costing her an extra £15 a week, more if she is not being frugal. Food shopping for 3 children and an adult is bound to be £20+ more a week, it could be a massive rise if OP is not deliberately budgeting it and is buying the same as she always has. Phone and BB charges have risen.

Add to that the chancing your luck because your card is not declining and spending the odd tenner here and there on something not necessarily frivolous but not exactly needed either eg a nice meal from the "luxury" range at the supermarket or a packet of sweets and a drink each for the kids on the way home from school, a tenner out of the cash machine to pay for a taxi instead of the bus because it's raining...

That extra few quid you're spending here and there without counting can easily add up to more than £100 a week with the added rise because of COL without you realising. You know you're spending more but until you run out and are forced to check your bank you have no idea how much more.

Checking your bank account and managing money is about being a responsible adult even more so when you have children. It is not up to the landlord or anyone else to do it for you.

DoreenonTill8 · 01/11/2024 08:58

TaylorSwish · 01/11/2024 08:14

Why are people more annoyed at a landlord who wants the money they should have but not annoyed at someone who accidentally spent the 6 months rent they owed to a bereaved father?

Absolutely! And laughably (although not funny ha ha) they think they're the moral upstanding ones!!

Bachboo · 01/11/2024 08:57

mathanxiety · 31/10/2024 23:25

You don't believe mental illness exists, do you?

Don’t be ridiculous. Of course it exists but it is not an excuse to ignore paying your rent. What about the landlord or the OP children security?

30percent · 01/11/2024 08:36

Frequency · 01/11/2024 08:22

It is easy to check your balance but when you know no matter how you do your sums things aren't gonna add up it is depressing and easy to avoid, even without mental health issues.

I hate checking my bank for that reason. I've just been paid and after rent, topping up the gas, paying for my driving lesson and paying the broadband bill over 2 thirds of my wages are gone and I'll be skipping lunch again this week to make sure we can afford to heat the house for an hour a day and I work fulltime. I can't even begin to imagine how hard people in OP's situation are finding things.

Luckily, I will eventually pass my driving test and have that expense reduced dramatically, plus I can use my new driving licence to find a better job so I know there is end in sight. How demoralising must it be to mot have that light at the end of the tunnel? I wouldn't want to check my bank and confirm how much money I didn't have if I was in OP's shoes and I don't have any mental health struggles.

Come on the op is trolling stop tying yourself in knots thinking of reasons for it to be true, there's millions of people in the ops position, I've been there in fact I've been broker than broke as I started my family before 21 and 21 year olds can legally be paid less than minimum wage.

If anything being broke is a reason to notice straight away that you're suddenly able to buy loads more without your card declining.

On a side note and this is going to sound harsh but if her mental health is so bad she doesn't notice thousands of extra pounds in her bank account then her mental health is probably causing loads of other problems too and social services should probably be checking on them kids

Frequency · 01/11/2024 08:22

It is easy to check your balance but when you know no matter how you do your sums things aren't gonna add up it is depressing and easy to avoid, even without mental health issues.

I hate checking my bank for that reason. I've just been paid and after rent, topping up the gas, paying for my driving lesson and paying the broadband bill over 2 thirds of my wages are gone and I'll be skipping lunch again this week to make sure we can afford to heat the house for an hour a day and I work fulltime. I can't even begin to imagine how hard people in OP's situation are finding things.

Luckily, I will eventually pass my driving test and have that expense reduced dramatically, plus I can use my new driving licence to find a better job so I know there is end in sight. How demoralising must it be to mot have that light at the end of the tunnel? I wouldn't want to check my bank and confirm how much money I didn't have if I was in OP's shoes and I don't have any mental health struggles.

TaylorSwish · 01/11/2024 08:14

MeMyCatsAndI · 31/10/2024 13:09

I hope someone does sue you one day, landlords like you make my stomach churn.

Why are people more annoyed at a landlord who wants the money they should have but not annoyed at someone who accidentally spent the 6 months rent they owed to a bereaved father?

southpawsofthenorth · 01/11/2024 08:09

Jaichangecentfoisdenom · 01/11/2024 07:57

Missing the point.

No really, just check your bank balance. Just do it. It’s helpful in the long run and actually quite easy to do.

30percent · 01/11/2024 08:07

JaneFondue · 31/10/2024 23:57

The OP may not be a chancer and may well have genuine mental health problems. Ultimately, though, that is not her landlord's problem to solve. He's not a charity.

You actually believe this steaming pile of bull crap? No one doesn't notice they haven't paid their most expensive bill for six months if I didn't do that I'd have 6k extra in my bank account. She apparently has three kids so it can't be a small place plus renting privately not the council so you know her rent isn't cheap.
A close family member is schizophrenic their mental health is so bad they would never be allowed to be responsible for three kids and even they would notice straight away if their rent money wasn't going out their bank account.

Jaichangecentfoisdenom · 01/11/2024 07:57

southpawsofthenorth · 01/11/2024 07:55

It is so easy to spend more than you realise when you're not checking your bank

Then check your bank?

Missing the point.

southpawsofthenorth · 01/11/2024 07:55

It is so easy to spend more than you realise when you're not checking your bank

Then check your bank?