If you expect to miss rent, the first goal is to establish the correct balance and a realistic next payment. This guide focuses on the tenant’s payment plan and sources of help before arrears grow. The eviction guide covers what to do if formal possession papers arrive.
Key steps for tenants
Know the due date and what the rent includes.
Keep bank records and receipts.
Tell the landlord promptly if payment may be late.
Get debt or benefits advice before arrears grow.
Set up a reliable payment record
Check the amount, due date and account details in your agreement. Use a traceable payment method and keep receipts and statements. If you pay a different amount because of an agreed change, get that agreement in writing. Check whether utilities or council tax are separate.
Act before missing a payment
Contact the landlord or agent as soon as you know there may be a problem. Explain what you can pay, when the balance can be cleared and whether your circumstances may change. Ask for an up-to-date rent statement so you agree on the actual balance. Do not promise an instalment you cannot afford.
Find support and keep communication open
Check eligibility for Universal Credit housing costs, council support or free debt advice. A repayment plan should show the ongoing rent and the arrears instalment separately. Keep paying what you can and respond to formal letters.
Know when to switch to urgent advice
Keep responding to letters about the debt. If a possession notice or court papers arrive, seek housing advice immediately as well as debt advice. Use the eviction notice guide to understand the separate legal process and deadlines.
