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Paying back rent arrears

12 replies

Wotsitsareorange · 21/08/2019 12:17

Hi all, I've got myself into a bit of a situation with my rent which has resulted in over a £1000 of arrears.
I've agreed with my council to pay them back so that I don't lose my home.

I've just had an email from my rent officer outlining the amount she would like me to pay, but I think she is over charging me.
Could someone please have a look at my workings out and tell me if I'm correct before I reply to her email.
As I'm not quite sure how the council and housing benefit work out their payments.

Rent total: £171.34pw
Housing benefit: £115.72
Shortfall: £55.62
Rent arrears: £5pw

Total £242.48pm payable by me

Her total amount including rent and payment for arrears is £364.94
I don't know how she has worked this out, as even with a 5 week month by my workings the total is £298.10
There is no way that I can afford to pay what she is asking, as well as my council tax, debts and other bills.
I know I've messed up, so please try not to judge me.

OP posts:
IhateBoswell · 21/08/2019 12:27

So they've got it as you paying £30 a week extra rather than £5?
You need to ring them immediately and explain you can't afford that much, have you arranged to pay £5 a week?

NotSoThinLizzy · 21/08/2019 12:31

So you have to pay the short fall and the arrears? I think

00Sassy · 21/08/2019 12:33

Is that to be paid calendar monthly? If it is I make it £262.68 per month.

That’s assuming you don’t get any rent free weeks during the year, we get 4 so your figure of £242.48 would then be correct.

Definitely question this if you’ve agreed £5 per week.

haveuheard · 21/08/2019 12:40

If you go to Citizens Advice they will do a budget for you and then will confirm to your housing officer what you can/can't pay. Generally works better than telling them yourself. Or it does in my area. They can also do a benefit check to make sure you are getting everything you are entitled to.

00Sassy · 21/08/2019 12:40

If it’s calendar monthly with no rent free weeks I make her calculation £23.60 per week too much.
It could be that they’re trying to get the arrears paid off in 12 months (is what you owe around £1480?)

But if you can’t afford that and have agreed £5 per week then stick to your guns.

Good luck OP, let us know how you get on.

CTRL · 21/08/2019 12:44

Call again and make it very crystal clear you cannot afford thier figure and state the figure you an afford.

I got into this mess a few years ago after I switched to universal credit and they didn’t sort my housing benefit and didn’t tell me how much I was to pay so I was the water rates as they stated I would have to when I moved however left out that there would be a shortfall I would need to make up so I went months (and they didn’t contact me or even tell me) without paying and then one day slammed me with a bill. I argued and I had to pay it but I made it clear what I can afford and I would be paying no more than that to clear my arrears.

AnchorDownDeepBreath · 21/08/2019 12:51

Do you have to pay the shortfall and money off your arrears? That gets you closer to her figure, and is the case here, sadly.

Wotsitsareorange · 21/08/2019 13:19

@AnchorDownDeepBreath Yes I have to pay the shortfall plus £5 towards the arrears weekly, which totals £60.42pw

We've not as yet put in a permanent payment plan the email I received this morning was her first offer.
So I will definitely question it and try to get hold of citizens advice today, just to see if they can help me out.

I can afford to pay the total of which I worked out as I was initially paying £250pm but with a cock up of housing benefit and an overpayment its left me in arrears.

OP posts:
mumwon · 21/08/2019 13:20

is it because the hb is paid in arrears?

Wotsitsareorange · 21/08/2019 13:28

@mumwon I'm not sure, my housing benefit gets paid every monday, so don't quite know if they pay in arrears weekly or if they only do this monthly.

OP posts:
Els1e · 21/08/2019 15:51

I make this £262.68 per month too.

AnchorDownDeepBreath · 21/08/2019 16:02

Ah okay @Wotsitsareorange. I hope they're reasonable about payment plans! They don't half make things stressful.

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