Rent Arrears: How to Deal with Your Landlords or Estate Agents

  • Again, this is based on real experience.  It is not pleasant when you come to realise that you will not be able to pay your monthly rent. Even a tenant who is good at budgeting can face this issue.

    That is why we urge everyone to make a comprehensive yearly budget. We say yearly because it helps you forecast your expenses, improving your money-management ability as well. By doing so, you will be able to cut down your unnecessary expenses to deal with more important ones, such as your rent.

    We all know that life can be difficult and unpredictable. We can be faced with emergencies, sometimes those which may even be a matter of life or death. But if you are genuine and do not have the habit of fabricating excuses to get off paying your rent, surely your landlord or estate agent will understand, and give you some breathing space. You may be able to come to an arrangement to pay back the rent arrears in installments.

    If it is not possible and you do not have such a good relationship with your landlord or estate agent, then you must find the solution quickly because your credit score could be damaged if you do not keep up with your payments.

    When faced with this situation, try to convince your employer to set up a direct debit to the landlord to show that you are serious in your quest to repay the money you owed.

    Setting up a direct debit from your bank may not convince your landlord or estate agent, because you can cancel it at anytime. But when your landlord see's that the direct debit is coming from your employer, he will be satisfied and may tell you not to worry or advise you to see him if you struggle again.


    1. When you think that you will not be able to pay the rent, inform your landlord immediately.
    2. Ask for a meeting and explain how you are going to pay your rent arrears.
    3. Ask family and friends for help.
    4. Ask your employer: Most employers can give you a cash advance by deducting it from your future payrolls.
    5. Sell anything that is dispensable to generate quick income.
    6. Do not let the matter go to court and avoid getting a CCJ registered against you. It will ruin your ability to obtain future loans or a mortgage at the time when you are ready to buy a property.
    7. If you are not ready to rent an independent accommodation, share it with a friend or family member. There is no shame in living with your family until you are ready and able to afford an accommodation for yourself.
    by: tenancy central uploaded July 4, 2017