The Association aims to offer a payment facility that suits your needs, hence the range of options detailed. Payment can be made with whatever frequency you desire (so long as it is in advance). Payments can therefore be made weekly, fortnightly, monthly, quarterly, etc.
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As pointed out in your tenancy agreement, the rental charge is based on a 12 month cycle.
Options for making payments are:
If you are not sure what is the best payment option for you please ask a member of the Housing Services Section for advice.
Having Difficulty Paying Your Rent?
If you fall into arrears, it is vital the problem is discussed quickly. Consult with your Housing Officer as a matter of urgency. Your Housing Officer may be able to assist you in maximising your income and help you reach an arrangement to clear your arrears.
There are many reasons why you should avoid falling behind with your rent:-
• You may not be allowed to transfer to another Association property
• You may not be allowed to exchange houses with another tenant
• You will not receive a satisfactory reference from the Association if you want to move to another tenancy with a different landlord, or take out a mortgage or loan on a property
• You may lose your home
We are aware however that people can at times experience difficulties that result in problems making rent payments, and we are here to help.
What Should I Do If I Have Rent Arrears?
Contact us and agree a suitable repayment agreement
Contact your Housing Officer immediately if you are having difficulties paying your rent. Your Housing Officer can arrange for you to repay your arrears by instalments over a period of time. The repayment arrangement will take account of your household income and any other financial commitments you may have. Your instalment payments can be made on a weekly, fortnightly or monthly basis.
Rent Arrears – Legal Action
If you don’t contact us about missed rent payments or don’t keep to your repayment arrangement, you will very quickly have serious rent arrears. The Association will then have no alternative but to take legal action against your tenancy. This means we will ask the Sheriff Court for an order which makes you pay back the rent arrears and may also allow us to evict you from your home.
If you are facing difficulties paying your rent, either because your income is low or you have had to stop work you may be entitled to receive Housing Benefit towards your rent.
If you think that you may be entitled, you should complete a Housing Benefit application form (available from our office) and return it to Inverclyde Council’s Housing Benefit Section at the Contact Centre, Municipal Buildings, Clyde Square, Greenock. Our staff can help you complete a form.
It is worthwhile making an application even if you are unsure whether you are eligible. The amount of Housing Benefit you will get will depend on your income and your family circumstances.
From the 1st April 2013 the Welfare Reform Act came into force, as part of the Act the Government reduced the level of Housing Benefit you receive if you are of working age and are under occupying your home. This means if you live in a home that is too big for you your Housing Benefit will be reduced by up to 14% of the weekly rent for that property if you have one extra bedroom that isn't needed, and up to 25% if you have two extra bedrooms. These reductions, depending on your circumstances, could mean you lose a large amount of housing benefit.
Welfare Rights Advice - Debt Counselling
Cloch Housing Association works in partnership with other local housing associations and the Financial Fitness to provide welfare benefits advice and debt counselling.
Financial Fitness can offer you advice and assistance to maximise your income, help you apply for Housing Benefit or appeal against a Housing Benefit decision which you disagree with. Your Housing Officer can refer you to this service or you can contact Financial Fitness directly by calling 729239 or emailing email@example.com
Cloch Housing Association is a non profit making registered charity. Most of our revenue income comes from rents and any surplus income each year is invested in our repairs and maintenance programme. It is therefore essential that arrears are kept to a minimum.
It is the aim of Cloch Housing Association to act to prevent rent arrears building up. We will recover any arrears fairly and effectively in accordance with our policy.
The objective of the Association's Current Arrears Policy is to minimise loss of rental income by prompt, effective management, recovery and control of arrears and to provide a service to tenants whereby they are given advice and assistance to maximise their income and minimise their debt, particularly in relation to rent arrears.
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