Landlord chasing rent - AIBU?

[missverstaendnis]

I am feeling rather upset after receiving an email last night from my landlord informing me that my rent was overdue for payment (due on the 1st) and to make arrangements ASAP for payment.

For background. For the last 5 years of living in this house my rent has been on a monthly standing order for the 1st of the month. This has ALWAYS been paid, have never been late to pay rent EVER.
Fast forward to this month as the 1st falls on a Saturday, DDs/ Standing Orders get paid out following working day (tomorrow, the 3rd).
I have never wasted a thought on this nor has it ever been raised as an issue.

Called the landlord to inform of this to which I was told her needs to pay his own outgoing on the 1st and that rent needs to be paid on a 1st of each month. I wasn't believed that payment will automatically go out Monday morning.

So I have cancelled my standing order and made a transfer last night to him.
Now it looks like it was too late to actually cancel the standing order from leaving my account tonight, so I will be catapulted into my overdraft.

Who is being unreasonable here -
landlord for requesting payment on a weekend and chasing me on it on a Saturday night with a harsh email,
or me for not monitoring that the 1st fell on a non-banking day and not cancelling the standing order sooner to arrange for the transfer on the morning of the 1st?

What happened in May when the 1st was a Sunday?
It seems very odd this hasn't been a problem before.
Has something changed?

For the people saying he shouldn't be a landlord if he has cash flow problems. What do you suggest he does kick the OP out and sell the house?

The best date to set it up for is the 27th/28th of the month as it's still going to hit the account by the 1st if it's on a weekend.

The landlord is probably anxious that tenants are blobbing the rent due to other bills going up.

YANBU imo. The majority of our bills are set to the 1st of the month and invariably that means some of them go out on the Monday if it falls at the weekend. It’s literally never occurred to me to pay them on the Friday before because I thought it was common knowledge that any DD’s/standing orders that fall on a weekend will just go out on the Monday. Seems a bit of an extreme reaction.

So many people being completely and deliberately obtuse here.

If you've set up a standing order (or direct debit, though here OP says it's a standing order, as would be normal for rent payments) to go out on a specific date each month, and that date happens to fall on a weekend or a bank holiday, it will typically go out on the next working day.

Surely everyone knows that?

It's not a case of OP deliberately not paying on time. It's just how standing orders work. Unless there's something very weird going on with LL's bank, any payments due from his own account will also go out on the next working day. So there's not going to be a gap of a day or two between LL's payments going out and OP's payments arriving - they'll all take place on the same day, because that's how the banks work!

Let's turn this around - all those posters saying that OP is BU here, are you seriously saying that you constantly fiddle with your own standing orders to make sure that mortgage/rent payments go out no later than the specified calendar date when it happens to fall on the weekend? That doesn't sound like normal behaviour to me.

OP, if this has never previously been an issue in 5 years (and a few payments would obviously have been transferred on different days than the scheduled day during that time, because that's just how the calendar works...) then I'd agree with the posters who are suggesting that maybe LL is in trouble financially and that this is about something else. Maybe he's already hugely in debt and is projecting blame onto you?

Oh, and DD mandates at least used to say 'on or before the xth of the month' to avoid this issue.

You are forgetting that it depends when OP gets paid. It is common for people to get paid on the 28th of the month. OP needs to have her wage to be able to pay the rent.

people keep paying late?? honestly, get off it now. I asked a normal question, you make out like I have been notoriously late?? by the way, technically I wasn't late as I made the transfer last night, which was the 1st.
I am the only tenant; landlord has no other properties that I am aware of.

I am saying that he should sell up. It is a business, you have to be financially stable enough to deal with unexpected happenings.

all those posters saying that OP is BU here, are you seriously saying that you constantly fiddle with your own standing orders to make sure that mortgage/rent payments go out no later than the specified calendar date when it happens to fall on the weekend? That doesn't sound like normal behaviour to me.

You don't need to fiddle around with anything. You just set them up properly. The due date is the latest you pay your bill, not the pay you send the payment from your account.

It's a standing order...they are not the same thing

My standing orders all go the next working day too!

i have rented for 13 years and if the payment date falls on a weekend it comes out the next working day which would be the monday. I have never had any problems and not one landlord has ever mentioned it either.

I have many direct debits set up for my personal account and also I deal with my works bank account and NEVER has a direct debit gone out early because the date landed on a weekend. It’s always been the Monday, if the Monday is a bank holiday then the Tuesday.

Very curious who people bank with. I deal with NatWest, Metro and Barclays and they all work as I have mentioned above.

Not forgetting it at all - I have had paydates that were the same, too - the rent would leave the account on the same day as my salary went in (hence why I said 27th/28th - the only time this was a problem was with one small employer who would only pay manually on the last day of the month or the first working day afterwards, but fewer do that these days).

Ur LL is being unreasonable, It has happened to me before bank holiday etc. I would be questioning ur landlord as he must not be able to cover mortgage if they getting so panicked about it.

My mortgage payment got taken out on 1st so you can't guarantee that.

I’m kind of on your side here. Our mortgage ran out 1 October but new one couldn’t start on the weekend so it starts Monday 3 October. This means I have to pay my mortgage twice this month and claim it back from the original mortgage provider (on variable rate for 2 days). Banking and weekends are nuts in this day and age of 24 hour services and technology.

in your position I’d change payment to 28 of each month to give wiggle room.

Exactly. Set your standing order up a few days before the due date. Of course YABU.

I didn't mean to end up being a landlord.
Our previous tenants were very occasionally a day or two late with the rent. I never mentioned it, just presumed it was a bank thing. After three days I would have, but it never came to that.
Obviously LL should reimburse the second payment.

I have privately rented for 8 years, 4 different landlords. I always pay on the last day of the month via direct debit. Sometimes this falls on the weekend meaning it doesn’t come out until the next working day. It’s never been an issue nor has it ever been brought up to me by my landlords. My bills all come out on set dates too and same happens if these dates fall on a weekend.

If I was a landlord I’d be very happy to have a tenant in standing order, I’d take a day or two late occasionally for a guarantee I’d never need to chase it. But if the contract says by the first you might need to get it set up for the last working day if the month.

I imagine your contact says on or before...
But I work in property management & the backs would never be checked on the weekend so knowing the tenants have standing orders, which you can tell from the fact they 99% of the time go in on the same day, would just expect to see it there Monday, if it wasn't there the Monday we would then chase, your LL is being a bit of an arse. Standing orders are always paid on or after.

DDs don't go on weekends.

Paid 28th March, standing order set up for 27th April so that rent is paid on time for the 1st May. It’s simple.

You need email him today that the rent will now be paid twice as it’s probably too late to cancel the standing order going out tomorrow (normally 48 hrs I think?) so he need to transfer back the 2nd amount as soon as it goes onto his account tomorrow. I bet he doesn’t!!

If you’re going to be going into your overdraft you need the money back! You certainly aren’t ‘late’ with the money going into his account on the first working date after its due.

His financial outgoings are not your concern. I doubt he cares about yours, and you’ve done nothing wrong.

All those saying OP should change her DD to an earlier date - you have no idea what date in the month OP gets paid. She cant pay the rent until she gets paid. It is why rent is often due on the 1st, because everyone will have been paid their last months wage at that point.