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?

DDs don't go on weekends.

If you bank with the same bank you have your mortgage with, they do.

I bank with NatWest and when payday fell on a weekend, it used to go in on the Saturday but this changed a couple of Yeats's ago and now it's Monday. Equally, no dd's due on a Saturday go out till Monday.

@shoo Of course his financial situation is her concern.
I was evicted by a landlord in lots of debt. I got very little notice as the house was repossesed. As a tenant you are wise to note warning signs the landlord is in financial trouble and move if you can.

I used to get paid on 'the first working day after the 5th of the month'. Which meant, if Easter fell badly, as late as the 10th of the month! I hated working there for many reasons, that one included.

I'm a LL, and it's clear in the contracts that the rent needs to be in by the 1st, if this falls on a day that banks aren't open then it should be paid before.

However, the first thing I do when a rent is late is to ask the tenant if everything is okay; if it's as simple as bank timing then there's no way I'd 'insist' it was paid. I value my tenants and wouldn't want to cause negativity/stress.

Speaking as a landlord YANBU. Where my tenants rent payment date falls on a weekend I never expect it until the Monday following. Your landlord is being an arse.

If you've been there 5 years the pay day must have fallen on the 1st before. Was LL an arse then?

@Butitsnotfunnyisititsserious The OP pays rent, not a mortgage. So that is irrelevant.

Can't be 100% sure, but as far as I can remember there is an implied tolerance of 5 days. You don't start being "late" until the 5th of the month.
Getting hysterical literally the next day is out of order. Ridiculously tight financial planning of your landlord is not your problem.

Is it? What could the landlord possibly pay? His mortgage?

Many ASTs say that late penalties will only be applied once rent is 14 days' late.

Well, it was due by the 1st of the month and it wasn't paid on time, so I think yabu. You should have set up the standing order to go out a couple of days earlier in order to avoid this problem.

Your landlord is ridiculous.

You reacted too quickly.

Hope u don't have too many charges

Landlord Haters are out again😂

There is a lot of Decent Landlords out there too, I am one of them.

So Please Stop Assuming all Landlords are horrible.

DDs are only on working days. I've never had DDs go out at the weekend, even when the money was going to the bank my account was with.

You should check with your bank. There is usually an option for when this happens, you can choose whether to pay on the next working day or the previous working day. You need to specify the previous working day.

DDs are only on working days. I've never had DDs go out at the weekend, even when the money was going to the bank my account was with.

But they can go out on weekends as mine did. It left my account on 1st October, which was Saturday.

It was the OP who suggested changing the SO date to the 29th. I was just agreeing with her that it's a good idea.

Unless you get paid late and then everyone will be saying this is why you don't set up your DD and SO to come out on payday.

You should have paid on 30th. This can't be the first time it has fallen on a weekend or bh,

No, DDs don't go on weekends! The DD rules simply don't let them.

Landlord is an idiot. He needs to explain why this hasn't been a problem before. If things have changed so that it is, he could have politely contacted you a couple of weeks ago to ask you to change your payment day so that he will always receive it on around the 26th of the month to cater for times when there are two bank holidays around the weekend. To insinuate that you have done something wrong when you have simply done what he has been accepting for five years is the act of an arsehole.

Yes my mortgage is always set to come out at a minimum the day after I get my salary. Never on the same day.

This. I’m a landlord and you are definitely not unreasonable! Idk your ll but I could lay my hands on cash even if I didn’t physically have any in the bank eg loans and cash credit cards. I wouldn’t want to live like this. But he should have a float of a few thousand at the very least to pay for eventualities.

How is it late the 1st is a weekend so it goes out on Monday . My mortgage is paid on the 1st but it will clear Monday . Obviously my bank haven’t contacted me I’d say take it it’s theirs it won’t clear on a non banking day you fool .

I reckon it needs to be set to 25th to avoid problems.

I have an incoming payment that is scheduled for 10th, and my outgoing payments are scheduled for 14th. There have been two months this year when the incoming payment has actually been credited on the 14th. So I reckon you need to allow for a four day difference, and since February has only 28 days, you need to aim for 25.

(Although my incoming payment is scheduled in my pension, I don't know if that causes any sort of administrative delay.)

I haven't tried to get my head around whether bank holidays could mean earlier than the 25th is sometimes required.