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?

Haha, it’s just really hard when so many people totally miss the point! You end up with a lot of frothing about an issue that is completely not relevant to the OP’s problem, or indeed not helpful to anyone who finds the thread in future having found themselves in a similar position. Sometimes, you really do need to spell it out 😁

What a stupid comment.

Another stupid comment.

Your landlord is a cunt for being a money-grabbing landlord

Ridiculous

I was specifically replying to somebody. But thanks for your input.

SOs don't go on weekends either.

You end up with a lot of frothing about an issue that is completely not relevant to the OP’s problem

That's pretty much the whole purpose of Mumsnet though. 😁

I'm just surprised no one has asked the OP why she rents and has she turned her heating on yet.

Your landlord is obviously in financial mire if they can't cope without a payment on a weekend. It's normal for DDs and SOs to go on the next working/banking day if they fall on a weekend/public holiday. So it's likely their own bills won't be going out of their account until Monday either. It must've happened before numerous times.

Ours is due on/by the 1st. I have it set to go on 28th so it is always there on time

That has the letter T next to it, not DD. I'd say that's not a DD (it can't be, as it wasn't paid in accordance with DD rules).

It's standard with my bank for payments to go out the next working day, if the appointed day is a weekend. If this is going to cause your LL cash flow problems, then he needs to work something else out. This really isn't on you.

Given how difficult renting is at the moment, and if it makes now difference to you, I might just see if you can alter the SO so that it goes out on the working day preceding a weekend but don't feel guilty. The reason for having SOs is so that you don't forget etc. and if your SO, like most, went out the next working day, so be it. He's got no right to get the hump.

If the same payment goes to him on Monday because you weren't able to cancel it at short notice, send him an email with your bank details asking for it to be transferred back. At least it will show him that you weren't lying about it being scheduled.

Setting up a monthly payment a few days ahead of 1st sounds like a good solution. Watch out for February- 28 days

Apologies. Perhaps I could have rephrased it.

Your landlord is a cunt for being a money-grabbing landlord

No-one would say a worker was outrageous or some kind of offensive word, if they expected to be paid on time, or before a weekend, if their usual payday fell in the weekend. They would say it was entirely reasonable.

Employers pay by SO and ADJUST payments so they arrive before the weekend, if payday falls at a weekend. Quite simply this is what people paying rent should do and LLs are not unreasonable to expect to receive their money on time.

As another poster said, this is not about DDs. Rents are never paid by DD but by SO. DDs WILL have the company take money late, but LLs do not take DDs, instead they are paid by SO and the person paying is the one who needs to ensure the payment goes when required.

As a landlord i couldn't care less if rent was 2 days late because the usual payment date falls on a weekend. I understand my tenants might be living paycheck to paycheck and can't pay rent early/before they have received their salary. For a landlord it shouldn't matter. Any landlord who does not have a few months worth of rent saves up as a buffer is an idiot.

WisherWood, the thing is, it really IS on the tenant. The tenant is responsible for paying their rent before or on the date it is due. They have to ensure that happens. Occasionally this will mean adjusting the payment date on the SO or setting up a one-off payment so it happens.

It isn’t acceptable to say ‘there was a weekend so it’s the Bank’s fault’ in the same way it wouldn’t be acceptable for your workplace to tell you you’ll have to wait a further 2 or 3 days (when there’s a BH) for your wages. The person paying has the responsibility to meet the pay day.

He's being a knob. We pay ours every month and they wouldn't chase straightaway. Not that we're ever late. We make a manual payment. They asked for SO but we haven't. I have gym DD that goes out on the 1st and I can see it pending for Monday.

You’re landlord is being unreasonable, we always paid our rent on the first of every month, on weekends or bank holidays it always came out on the Monday/next working day and was never an issue.
Can you phone your bank on Monday and explain the situation so you can get one payment back?

Alaimo, It doesn’t help for a LL to come on here and say they don’t mind if their tenant pays a couple of days late. This muddies the water. The issue isn’t whether the LL ‘needs’ the money or if they can afford to wait for it, the issue is about what contracts say and the fact payment dates are set and need to be adhered to….which might sometimes mean looking at or checking SOs to ensure the contractual payment date is met.

This isn’t an issue of ‘kind and good’ LLs who understand banking systems and accept late payment is part of rent days falling at weekends vs ‘mean and nasty’ LLs who insist on payment on the due date and dont understand that SOs won’t pay over the weekend.

This is a contractual issue in the same way receiving your wages from an employer or benefits from government is. The rent is due on or before the due day. People would be up in arms if their benefits were due at a weekend and weren’t paid ahead of that, or their wages were due at a weekend and they had to wait several day for them to appear. This is exactly the same.

DD will take late when there’s a weekend. That’s how that system works. The business receiving by DD knows that. The payment won’t be late.

SO is simply a method of transferring money and the business receiving it has no control over when the money comes. It is up to the person paying to control the date…..and make sure they meet any deadlines.

What a lot of nonsense...

This must have happened before over a 5 year period and this is how all direct debits work.

It's perfectly normal.

Your landlord instead of jumping to conclusion should have had enough brain to realise the money would be showing on his account on Monday.

It is shitty thing to do to start harassing a tenant who has been paying their rent every month for five years. He should count his blessings...

This thread sums up Mumsnet to a T. Earlier there was a post that a fellow school mum had 'purchased' £70 worth of toys but not paid and the OP was getting no end of grief for having chased in 48hrs and not left it a week. Yet here this OP is horrible for not changing a standing order that's been in place for 5 years without issue and the LL is totally in the right to chase on the day it's due! So which is it?

Wages are not the same thing as rental payments, @WombatChocolate , no matter how often you state that they are.

@WombatChocolate you are wrong I'm afraid, most people are paid by BACS.
We are paid by standing order on the 25th, if the 25th is a weekend or a bank hol we get paid after the 25th.
Landlords ask tenants to set up a standing order knowing they will get their payment on or after.
If you look at our outstanding income report at work every single tenant will be 'late' on Monday, but we didn't expect it in Friday as it was early. We know they pay by SO so it'll be there tomorrow when we check.
If you pay by SO you're not liable for it being late.

And the poster that said it's not actually late until 00.001 on the 2nd is correct, so your landlord shouldn't have been chasing you OP.

I have a standing order due for the 1st. It will go out tomorrow - not sure why other people are saying YABU

I'm a landlord & expect the rent by DD on the same date or the Monday if it falls at a weekend. I have my tenant's deposit plus a safety net in case things go wrong. It sounds as if your landlord is struggling financially or worried that you might be.