When rent is missed, first reconcile the account and contact the tenant about the actual balance. This guide is about resolving and documenting arrears. The separate possession guide covers the legal route if the tenancy must end.
The rent arrears response ladder
Check every charge and receipt
State the balance and ask what happened
Record an affordable payment plan
Take advice before Section 8 action
Check the account first
Confirm the due date, amount, bank reference, credits and any payment made by another person or organisation. Correct errors before sending an arrears notice. A clear rent schedule should show every charge, receipt and running balance.
Contact the tenant early
Use the agreed contact details and state the amount and period clearly. Ask whether there is a payment problem or administrative error. Avoid repeated contact, threats or visits that could become harassment.
Record an affordable agreement
If a payment plan is suitable, confirm the normal rent, extra payment, dates and review point in writing. Do not agree an amount that makes the current rent impossible to maintain. Keep the ledger updated after every payment.
- Confirmed arrears balance
- Normal rent due date
- Affordable additional amount
- Review date and missed-payment step
Take legal advice before possession action
Rent arrears can be a ground for possession under the Section 8 process. The correct ground, evidence and notice period depend on the circumstances. Do not change locks or remove a tenant without a possession order and the lawful enforcement process.
