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Huge debt to landlord. What to do next

51 replies

NotMyMoneyWorries · 05/04/2024 10:39

My daughter (25) has got herself into a huge financial mess, and owes over £12k in unpaid rent

We didnt know about this, she’s very difficult to talk to and wasn’t living anywhere near us. We thought she was working, and managing ok (as this is what we were told) but it turns out she was getting very few hours on a minimum wage zero hour contract, and was getting deeper and deeper into debt with interest added. She didn’t have a guarantor, as she’d paid upfront for her first two years rent (one year at a time), but there’s no more money

We first heard about this after she asked her grandparents for the money and they told us. Apparently she had a letter saying goods would be seized to the value, or something like that.

Four weeks ago my husband hired a van and drove up and brought her home. She contacted the landlady who has about 240 flats, apologising, and asking if they would get in touch regarding a payment plan. She explained she wasn’t currently working but had applied for jobs. Since then she’s found a job, and as she’s not paying us rent, I think she could afford to pay £1000 a month off her debt. She’s not mad happy about this. I don’t care.

The problem is that they haven’t been in touch. I think my daughter would happily keep her head in the sand and pretend it’s not happening, however I’m a worrier, and I think until somethings sorted her debt will keep growing

I want her to ring up today, but does anyone have any advice on what to say?

Sorry this is so long, and a bit vague. We only know what she tells us, which isn’t much

OP posts:
Choux · 05/04/2024 16:44

LIZS · 05/04/2024 16:32

Has she notified utilities and council that she is no longer living there? If her tenancy has not formally ended she may still be liable.

And has she been paying these bills?

You need to sit down with her and make a list of what she needs to do to formally end the tenancy and end all utility liabilities.
Really she needs to show you bank statements so you can go through them together - you can be sure she's being truthful and she can get your advice on how to clear the mess up as quickly as possible so she is back on her feet. Eg cheaper phone.

Unopened Amazon packages suggests a possible shopping addiction? Hopefully not.

A steady year with you of working, paying off the debt, gymming for her health and well-being and learning to sell unwanted stuff on Vinted and EBay to get cash for new stuff should be enough to get her back on her feet. Unless there is other debt besides the £12k...

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