Money Does Matter
Arrears Talk Debt Guide
Produced by East North East Homes Leeds
Updated April 2008
Updated July 2008
East North East Homes Leeds
A company wholly owned by Leeds City Council
East North East Homes Leeds is registered in England and Wales No 06031596
East North East Homes Leeds Registered Office Tribeca House, 71 Roundhay Road, LEEDS, LS7 3BE
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Please tick Document Name Arrears Talk Debt Guide We’re always trying to improve the quality of our
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send it to us at East North East Homes Leeds, Freepost RRJX-YRTK-
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What do you think about this booklet overall?
Please tick whichever applies.
J'aimerais ce document en Français FRENCH
GREEK Good Average Poor
What part(s) of it should we improve?
PAHARI Did you understand the information?
Eu gostaria deste documento em Português PORTUGUESE
If no, please say what you didn’t understand
Ndirikuda kutsanangurerwa izvi nechi Shona. SHONA Do you think the layout is
Waxa aan jeclaan in aan helo dukumentigan oo af - Soomali ku quoran SOMALI
Me gustaría esta información en...
Good Average Poor
How could we improve it?
Ningependelea hati hii kwa lugha ya Kiswahili SWAHILI
Your phone no.
Phone number: Email address
www.enehl.org.ukor if you’d like other languages or formats, please contact us on
For more details 2 23 www.enehl.org.uk
0800 915 1600
Problems paying your rent 4
Illegal Money Lenders 5
Leeds City Credit Union 7
Tenant reward scheme 10
Income and Outgoings 11
What if I don’t pay my rent? 12
Benefits & Tax Calculator 14
Jargon Buster 15
Advice Services 16
Don’t ignore it
it won’t go away!
Talk to us - we are
here to help and
you’ll be surprised
how we can!
www.enehl.org.uk 22 3 www.enehl.org.uk
Fuel Advice Helpline 0113 2145179
Gingerbread 0800 018 4318
Help the Aged 0808 800 6565
Don’t just ignore it, it won’t go away!
Keeping the roof over your head is important to you and your family, collecting the Jobcentre Plus
rent for that roof is important to us. If you don’t pay your rent we have less money to Southern House, 529, York Rd, Leeds, LS9 6TF 0113 214 8000
spend on repairs and improvements. This is unfair to the majority of tenants who do Parkway House, North Parkway, Seacroft, Leeds, LS14 6UZ 0113 214 8500
pay their rent on time. We will always try to help people with genuine difficulties; but 219, Roundhay Rd, Leeds 0113 214 2100
we will take prompt action against people who deliberately don’t pay.
Leeds Housing Advice Centre 0113 247 6919
We Can Help
This leaflet recognises and highlights some of the problems we know our customers Lone Parent Helpline 0800 018 5026
experience and is a guide for people who are struggling to pay their rent. It tells you
about the many different ways we can help you improve your situation and meet Mind 0845 766 0163
your rent payments, from helping to manage your income, getting advice on
managing debts or helping you claim benefits and s to boost your income. Money Advice Association 0147 659 4970
Help us to Help You: Keep in Touch National Debt Line 0808 808 4000 or
Don’t bury your head in the sand. Although there are so many ways we can help we
0800 980 2800
can’t help you if you don’t let us.
Make sure you keep in contact with your local Housing Office at all times, and Office of Fair trading “Help Yourself Out” 0870 60 60 321
always reply as soon as possible if we phone you, send you a letter or visit your Rights of Women 0207 251 6577
The sooner you act the smaller the problem and the sooner it will end. Shelter 0808 8004444
We Do Help SSAFA - Soldiers, Sailors and Airforce Association
Our Staff, including 7 Area Benefit Advisors, help customers claim Housing Benefit 31 New York Street, Leeds, LS2 7DT 0113 2451118
including backdated benefit to help clear rent arrears. We help people suffering
hardship to make claims for extra Discretionary Payments towards their rent. We Tax Credits Helpline 0845 300 3900
also help people claim s and other Welfare Benefits.
The Grove Housing, Tenant Hall,Blenheim Grove, LS2 9ET
In 2007 / 08 our advisors made 56 Discretionary Housing Payment claims of which Single people, pregnant women and young people with
36 were successful and coupled with complex claims management, good cause children, aged 16-25. 0113 3688888
backdates and appeals made, resulted in a total of £562,606 extra Housing Benefit
and £564,459 extra council tax benefit obtained for our customers. The Jamaica Society 0113 262 6435
DWP Statistics show up to £1420 MILLION is UNCLAIMED each year in Housing Victim Support 0845 303 0900
Benefit. £4 BILLION in allowances are left UNCLAIMED by older people yet 2 million
are living in poverty! (Help the Aged)
You collect your parcel when the postie leaves it next door!
You collect you winnings if you win on a horse!
So why not come and see us and make sure you collect all the allowances and
benefits you are entitled to.
www.enehl.org.uk 4 21 www.enehl.org.uk
We set up links with local independent voluntary debt advice services and helped
set up outreach advisory services in some local areas.
Details of how to reach us, our benefit advisors and partner advice agencies is at
the end of this leaflet.
When the Money Won’t Stretch
We understand that although rent is a priority, there are other bills to pay. But you
Citizens Advice Bureau Legal Line 0870 120 2450 might be paying the wrong ones! We can help you contact other people you may
Harehills & Chapeltown Law Centre 0113 249 1100 owe money to, and help you negotiate repayment plans such as Council Tax.
Shelter 0808 800 4444 www.shelter.org.uk
We work closely with the voluntary debt advice groups providing ‘face to face’ debt
advice for our customers. These include; St Vincent’s, Ebor Gardens Advice
Centre, Leeds City Credit Union, Burley Lodge Advice Service or the Citizens
Advice Bureau. We can put you in touch with these agencies that specialise in
giving advice on multiple debt issues.
Action for Gipton Elderly 0113 240 9784
These agencies will help you ‘prioritise’ your debts to make sure you pay the most
Age Concern 0800 009 966 important ones first. They can help you negotiate with all kinds of people you owe
money to, such as catalogues and loan companies so you can pay an amount you
Archway, Single people, pregnant women and young people can really afford. It’s important to be honest and tell your adviser the extent of your
with children, aged 16-25. 0113 3833900 difficulties so they know the full picture and can help you make realistic
arrangements you can stick to.
Bangladeshi Muslim Association 0113 277 6063
Details of local advice surgeries and how to contact them are at the end of this
Black Mens Forum 0113 262 6333 leaflet. Why not give them a call or come to us and we will refer you.
Burley Lodge Advice Service, Little London Children’s Centre 0113 275 3498 If you have problems with door step lenders, these agencies can help you with
Child Support Agency Enquiry Line 0845 713 3133 these too.
Christians Against Poverty (Debt Advice regardless of belief) 0113 225 9773
Claim Line for Pensioners 0800 028 1111
Good news. The regional loan shark investigation team, piloted in
Community Legal Service 0845 3454345 Birmingham by its Trading Standards Service, has come to
Consumer Credit Counselling Service (CCCS) 0800 138 1111
You may have seen the posters displayed in our blocks and
Debt Advice Helpline 0800 9802800 offices or heard the advert on Radio Aire.
Disability Benefits Enquiry Line 0800 882 200 Since its initial launch in Birmingham and surrounding areas in
September 2004, the team has identified nearly 100 targets and
Disability Rights Commission 0845 762 2633 have reported 27 individuals for illegal money lending. These
investigations have resulted in over £2,000,000 of debt being
Financial Services Authority On Line Debt Test at wiped out and over 1300 victims being helped. So far over 10
www.fsa.gov.uk/consumer/debt_test years in prison sentences have been handed down for illegal
money lending and 10 years for possession of firearms. Further
www.enehl.org.uk 20 5 matters are progressing through the courts. www.enehl.org.uk
Since The Illegal Money Lending Team launched in Leeds on 11 May 2007, it
has already established itself. Within 2 weeks the first arrests of 3 illegal
money lenders were made in the Seacroft area.
There were 250 names on the Seacroft illegal
money lenders lists who have now been helped
and who no longer have a debt.
Did you know if it is an illegal loan you do not Cross Gates & East Leeds
have to repay it? Leeds City Centre
All money lenders, operating as consumer credit 31 New York Street, LS2 7DT.
businesses, must obtain a consumer credit licence Cross Gates LS15 8QR
from the Office of Fair Trading before engaging in the activity of money lending.
The loan sharks don’t bother with this so any loans they make are unenforceable in
City Centre - Opening times:
law. Drop-in advice times
Mon: 09.30 - 12.30
This is why illegal money lenders use intimidation through peer pressure and Tue: 09.30 - 12.30
violence to collect the debts. Fri: 09.30 - 12.30
The Team has uncovered examples of loan sharks that have terrorised whole Telephone advice times
communities, charging huge amounts of interest on loans, adding indiscriminate Mon: 10.00 - 13.00
charges to the loan when they feel like it and using violence to collect the money. Tue: 10.00 - 13.00
Wed: 10.00 - 13.00
Some loan sharks add so many charges that the debt increases even though Fri: 10.00 - 13.00
payments are being made. Some force victims into crime, stealing to order to pay off For an appointment please call in during opening hours, or contact our telephone
the debt. Crime statistics in Birmingham have shown when the loan sharks are advice service on 0870 120 2450 Monday, Tuesday, Wednesday or Friday from
removed from an area the level of crime reduces. 10.00 am to 1.00 pm.
The team offer a confidential service, providing help and support to those people Cross Gates & East Leeds - Open as follows:
caught in the grasp of an illegal money lender. Their experience of dealing with this
Monday 10.00 am to 1.00 pm Methodist Schoolroom, Austhorpe Road,
illegal activity is second to none and is borne out by their successes to date.
Cross Gates, LEEDS, LS15 8QR
So please add to the 250 in Leeds who have already been helped. If you or anybody Friday 10.00 am to 1.00 pm Telephone: 0870 120 2450
you know is in the clutches of an illegal money lender the team can and will help. Chapeltown
Call the loan shark helpline on 0113 225 1122 or email 0113 2629479 or 0113 2622281 Willow House, New Rosco Buildings, Cross
firstname.lastname@example.org Francis Street, Leeds LS7 4BZ
0870 120 2450 The Newsam Centre, LEEDS
Tuesday: 10.00 - 12.00
Leeds City Council’s Corporate Debt Unit
If you have rent arrears and / or Council Tax debits, and are having trouble paying
Telephone advice service Home visits advice service
them because of other debt and money problems, you may be helped with free Telephone 0870 120 2450 If you can’t get to us, we’ll come to you.
independent and confidential money / debt advice, by contacting their specialist Monday, Tuesday, Wednesday & Please phone on 0113 244 1614 for more
team on 0113 2475858 or 0113 2475096. Friday 10.00 am to 1.00 pm. details. This service is for people who are
www.enehl.org.uk 6 19 www.enehl.org.uk
‘By doing a budget of the money I have left each month and sending a financial
statement out to all debt companies I’m now on top of everything’ They will help you get all the possible benefits and advice that are available to you,
from this one point of contact. Affordable arrangements will be made for you to re-
If you are having any sort of money problems why not give them a ring or come to pay both rent and Council Tax while you get help with all your other debts.
us and we can refer you!
Below is a typical case study of someone with money problems and how they
have helped and the type of help St Vincent’s provide.
Diane* came to see me as she had recently lost her job and was struggling to make Is this you?
payments for rent, council tax and other bills and buy food for her and her child..
She also had several non-priority debts which she could no longer afford to pay and Have you had problems with bank charges?
Yorkshire Water was threatening court action. She applied for benefits and was Do you dislike high street banks or do they make you nervous?
awarded full Housing and Council tax benefit and after contacting council tax to find Have you been refused a bank account?
out what she owed for the year I was told that she was actually in credit and they Have you had problems getting low cost loans?
would arrange to send the balance back to her. We applied to the Yorkshire Water Are you on Benefit so think there is no point?
Community Trust and she received funding towards her arrears which prevented Do you keep your savings under the bed and risk being burgled?
court action. We negotiated with her non-priority creditors for reduced monthly
payments which they all accepted. She is now able to make weekly payments Then Leeds City Credit Union has services and accounts for you.
towards her rent arrears and she is managing to pay her bills and buy food.
Current accounts with access to a loan facility - apply for the loan option when you
*name changed apply for the account and if a month comes up when the money won’t stretch, make
a call and the loan can be made available so you will have no returned Direct Debits
Why not telephone for an appointment to see what they can do for you or call in at so NO BANK CHARGES.
the shop and café for a chat and a bargain!
This will help you pay your rent by Direct Debit with no worries about Bank
If you do go, come and tell us about your experience, we love to hear good news charges.
The account also comes with either an ATM card you can
use at any LINK machine to withdraw your cash for free or
a Visa debit card which you can use at LINK machines AND
also use to buy things in shops.
A current account not your cup of tea but need a bill payment service?
173 Haslewood Drive, Leeds, LS9 7RE Then see Leeds City Credit Union about their bill payment service. Just complete a
couple of forms with staff and pay in what you need to cover your household bills
If you have problems with:
Benefits Monday, Wednesday and Friday and they will pay them all for you, including your rent.
Debt 9.30 am - 1.30 pm no appointment needed.
Housing This helps you manage your money and have peace of mind. You know what you
Rent Arrears Or you can phone 0113 2350276 and we can have left over to spend or save and again NO BANK CHARGES.
advise you over the phone or arrange a home It is suitable for those of you who are working, on s or on benefit and is a good
We can HELP with Free visit if you can’t get out and about. OR choice for those who like to pay by cash. One payment and Leeds City Credit Union
and Confidential Advice do the rest.
Phone: 0113 2350276
www.enehl.org.uk 18 7 www.enehl.org.uk
Did you know that the Post Office Card Account may not be available after
2010? Everyone will need some sort of account to have their benefit, wages or
tax credits paid into.
At the Henry Baran centre in Gipton on
Don’t delay, call in to a Credit Union Branch and talk about an account today? Mondays 9.00 am to 12.00 pm.
For more details please ring 0113 214 5252 or call in at any of the local Leeds City
Credit Union branches at: Please phone 2484126 for an
appointment or call in at the Gipton area
City Branch, 32 Kirkgate, Leeds, LS2 7DR
office and they will arrange one for you.
Wetherby One Stop Centre, 24 Westgate, Wetherby LS22 6NL
Halton Moor One Stop Centre, Neville Road, Leeds At the St Vincent’s Support Centre,
LS15 0DW Community Shop & Café Berking
Great George Street, City Centre One Stop Centre, 2 Great George Street, Avenue, York Road, Leeds LS9 9LF.
Leeds, LS2 8BA
South Seacroft One Stop Centre, Monday to Friday 10.00 am - 4.00 pm
90-95 Moresdale Lane, LS14 6GG Please phone 2484126 for an
Roundhay Road, 269 Roundhay Road, Harehills, appointment.
St Vincent’s Community Shop,
Kentmere Avenue, Parade of shops
between St Richard’s Church and The
Gate public House.
Tuesdays 11.00am to 2.00 pm.
Having a money crisis? Desperate for cash and Please telephone 0113 2484126 for an
don’t know where to turn? Think you might have to turn to your local door- appointment.
You don’t need go to the doorstep lenders, Provident or Greenwoods and pay East North East Homes Leeds staff work closely with the staff from St
through the nose with massive interest rates. Look how much a Leeds City Credit Vincent’s Support Centre. A warm welcome awaits anyone who visits the
Union Handiloan could save you. centre which has a community shop and café with a free Debt advice and
No of Weekly Total
weeks repayment repaid You will also find help with basic household budgeting to help you make the
money go a little further.
Typical doorstep lender 1 £300 32 £15 399.7% £480
You can also drop in for a coffee, cake or a chat at the centre or perhaps take
Typical door step lender 2 £300 31 £15 365.1% £465 advantage of the low cost furniture and household goods they have for sale.
LCCU £300 33 £10 26.8% £324 St Vincent’s have helped a number of our customers and these are some of
the customer comments we have received about how they have helped;
A massive saving of £156, which will be much better in your pocket or even
put into a Credit Union Christmas Club or other saving account. ‘By talking to the creditors that I owe to help lower my outgoings’
‘They describe everything in detail and step by step in a friendly way’
‘St Vincent’s contacted all the people I owe and arranged payments, for the first time
in years we are becoming debt free, thank you’.
www.enehl.org.uk 8 17 www.enehl.org.uk
You don’t need to go to Bright House to get replacement goods that cost you a
fortune like the young mum in the case study below:
1. A young mum came into the Seacroft branch asking about the Handiloan. When
asked the purpose of the loan she replied it was to pay a loan she had from
Brighthouse. She originally bought a bed and a cooker for £1,000. The payments
had been £37 per week, which she had been paying for 2 years! This worked out
at approximately £3,800 already paid and yet she still owed £600. We gave her a
Your local Housing Office loan for the £600 to pay it off, reducing her payments to £9 per week,
immediately making her £28 per week better off. This member then opened a
You can call into your local Housing Office to discuss any financial problems with budget account and we now pay her bills for her and manage her monthly
paying your rent with your Housing Support Officer. outgoings. She also opened a Christmas Club account and by Christmas of last
Housing Benefit Advice in your area year she had saved £300. When she realised how much she had saved she
burst into tears in the branch (and the staff joined in!), saying that it was the first
We have seven Benefits Advisors who are able to advise on Housing and other time she had not had to get a doorstep loan for her children’s Christmas
benefits. They are available at different times in the offices and for home visits. For presents.
details please contact your local advisor on the following numbers:
Apply for a Leeds City Credit Union Handiloan and save yourself that fortune!
Burmantofts Area Office 0113 214 3448
Gipton Area Office 0113 214 3273 What is a Handiloan?
South Seacroft One Stop Centre 0113 247 5608 The Handiloan is a same day loan service, available from any of our branches
North Seacroft Once Stop Centre 0113 214 4409 across the city, so you can go in with your application form and come out with cash
Halton Moor & Richmond Hill 0113 214 1381 in just minutes. Cash loans up to £500 are available on fixed weekly repayments
Meanwood, Harehill’s & Chapeltown 0800 915 1600 and a low interest rate of 2% per month on a reducing balance so you know exactly
Wetherby, Moortown offices 0800 915 1600 how much you need to pay back and when.
Welfare Rights Advice Surgeries How do I apply for my Handiloan?
Simply visit your local LCCU branch and complete an application form. So we can
Leeds City Council Welfare Rights Unit offers free confidential advice on all Welfare
process your application as quickly as possible please bring proof of your income,
Benefits and Tax Credits. They can help you with appeals and check you’re getting
and if you’re not already a member of LCCU, then please bring at least two forms of
all the money you’re entitled to. The sessions are appointment only.
identification including a passport, driving licence, a copy of your tenancy
Wetherby One Stop Centre: agreement, utility bills etc.
Every fortnight on a Wednesday morning 10.00am - 12.30pm.
Its important you do get the right help:
South Seacroft One Stop Centre: We recommend that you don’t use a debt management company - why would you
Wednesday and Friday 10.00am – 12.30pm. need to when we have so much local advice available and Leeds City Credit Union
branches across Leeds? If you do you decide to use one of these companies you
North Seacroft One Stop Centre: need to make sure you’re doing the right thing and the company is reputable. By
Every fortnight on a Mondays morning 10.00 am – 12.30 pm. contacting one of the agencies at the back of the leaflet, you will get help to make
sure you are doing the right thing. They will help you to find about any fees the
Halton Moor One Stop Centre: company might charge you and how long it will take to pay off your debts. Some
1st Monday and 3rd Tuesday of every month 10.00 am – 12.30 pm. people have lost a lot of money to these companies so you need to be very careful.
Appointments can be booked by phoning 0113 2149006. They will also be able to If you’re being harassed by a debt collection agency, come and see us. We will
help you if you need a home visit. refer you to any of the agencies detailed later in this leaflet for advice or, if you
prefer you can contact them directly. You could also contact the Trading Standards
www.enehl.org.uk 16 9 www.enehl.org.uk
Our customers have told us how relieved they feel when the doorstep collector no
longer knocks on the door as they have been told to deal with the advice workers.
Remember, you don’t have to let a Debt Collector into your house,
make an appointment for them to return after you have found
Getting started Below are words or phrases commonly used by Debt Collectors.
Included is an Income and Outgoings form: why not visit your local Housing office or
call us and ask for a home visit so we can help you fill it in? County Court - Is a Civil Court which may be used to enforce collection of a
debt. Debts up to £5000.00 are dealt with by the Small Claims section of the
We will also do a benefit and tax credit check to make sure you are County Court.
getting all the income you are entitled to.
Bailiff - Someone who is authorised to collect a debt from you, on behalf of
Once all this has been done, we’ll agree with you an affordable but formal your Creditors. There are 3 types of Bailiff. The County Court Bailiff who works
arrangement to re-pay your debt. for the Court Service. The Certified Bailiff who has provided references to the
County Court, and the people they employ are considered fit, and The Private
To complete the form yourself – fill in how much money you have coming in, and
how much you have going out either weekly or monthly, depending on when you get
paid. This will help you to manage your money and know what you have left over to
spend. Warrant - This is official written permission given to the Bailiff allowing him to
carry out his/her duties to collect a debt. It is given by the Court.
Priority Debt - The consequences of not paying a priority debt is serious.
These debts include Rent arrears, Fuel arrears, Council Tax arrears and
Outstanding Court fines. Failure to pay these debts could result in you being
To help us to help you, East North East Homes Leeds has introduced a series of evicted from your home, and in some cases you could be imprisoned.
Prize Draws to reward our customers who pay regularly.
Non Priority Debt - These include Credit Card, Hire Purchase, Loans and
Every 3 months we will hold 7 x £250 ‘good payer’ prize draws. A total of 28 prizes overdrafts. Collection of these can not be enforced by imprisonment.
over the year to be won just for paying your rent.
County Court Judgement (CCJ) – If your Creditors take action in the County
Clear accounts are automatically entered so remember to keep your account clear Court they may request that a County Court Judgement be made against you.
or in credit to qualify or pay by direct debit with only ‘technical’ arrears due to paying This means that the County Court has ordered you to pay an amount of
calendar monthly. money (This will normally be the debt plus Costs). Details of the CCJ are
entered on to a Register which is used by Credit Companies, Banks, and
AND AT YEAR END 7 DIRECT DEBIT PRIZE DRAWS Building Societies etc when you apply for credit. A CCJ will affect your credit
Also at year end we will hold 7 x £250 Direct Debit prize draws to reward those who rating.
pay by Direct debit and reduce our collection costs.
Credit Reference Agency - A company that stores computerised records of
YEAR END RUNNER UP PRIZES people’s use of Credit. When you apply for credit, e.g. a store card, checks will
7 x £100 arrears ‘runner up prizes’ for those who are in arrears but clear their be made with the Agency about your credit history.
account for 31 March the financial year end.
Terms and conditions apply. Please contact your local office or see your copy of
‘Your Home’ for full details.
www.enehl.org.uk 10 15 www.enehl.org.uk
Income Monthly Outgoings Weekly Monthly
Wages - partner Council Tax
Other wages Contents insurance
Child benefit Life insurance
Each year there are millions in unclaimed benefits. Make sure you are getting Income Support Water
all you are entitled to. JSA Electricity
Each year the allowances change so its worthwhile checking every year and its Child Tax Credit Gas
easy with our online quick calculator. Working Tax Credit Telephone
You can Do It Online on our website: www.enehl.org.uk using the following steps: Attendance Allowance Mobile phone
Disability Living Allowance Court fines / orders
Carers Allowance Maintenance / CSA
Log on to www.enehl.org.uk Maternity Allowance Pension
Using the left hand bar, click on Do It Online Statutory Maternity Allowance HP
Using the left hand bar, click on Housing Benefit calculator Pension TV licence
Using the right hand bar click on the document Pension – partner Car tax
Pension credit Car insurance
Maintenance / CSA Car fuel
Statutory Sick Pay Car breakdown cover
Incapacity Benefit Car parking
Bereavement Benefit Garage rent
Housing Benefit Food
Council Tax Benefit Household items
Contributions from family Cigarettes
Student loan / grant Alcohol
TOTAL Clothing / footwear
List of priority debts Amount Weekly / Childcare
£ Monthly Nappies / baby items
Arrangement School meals
1 Pocket money
Then follow the easy instructions and in 5 minutes you will know if you can 2 Pet food
claim any extra benefits or tax credits and save some money. 3 Vet bills
Or you can 4 Window cleaning
5 Christmas presents
Call in or contact your local office where your Housing Support Officer will be 6 Household maintenance
able to carry out the check for you providing you can have all your income Weekly / Appliance rentals
details at hand. List of non priority debts Amount Monthly Hairdressing
The calculation is a guide only based on the information you supply. So please £ Socialising
make sure you include all your income details. For a full evaluation, call in at your 1 Hobbies
local office where we can also help you with a housing benefit claim or you can 2 Holidays
claim by downloading one from our Money Matters section at www.enehl.org.uk. 3 Other
Usually benefit will only start from the Monday after Housing Benefits receive your TOTAL INCOME
form. TOTAL OUTGOINGS
TOTAL LEFT OVER / SHORTFALL
www.enehl.org.uk 14 11
This is an accurate record of www.enehl.org.uk
my financial circumstances
If you are not at home when we deliver the notice, contact your Housing Office
straight away. We can help you to sort out the problems that stop you paying your
rent or can refer you to one of the specialist advice agencies listed in this Guide.
We’re doing all we can to help people to pay their rent without creating hardship. If
you don’t work with us to help reduce your arrears and choose not to pay your rent Or you might want to seek legal advice from Shelter, a Law Centre or the Citizens
or spend your money elsewhere, you’ll leave us no choice but to take legal action. Advice Bureau (CAB) . If you contact us we have a fast track referral process with
the CAB which will cut down how long you need to wait for an appointment.
This applies whether you pay yourself or fail to keep your Housing Benefit claim up
to date. If you don’t clear your account or contact us when we have served a Notice or break
your re-payment arrangement, we may take court action against you and you could
lose your home. Sometimes the court will grant an order allowing you to stay in your
As an Introductory tenant you have fewer legal rights than a secure tenant. home on the condition that you pay your rent plus a certain amount off your arrears.
Your Introductory Tenancy is a trial period. You must show us that you are We will work with you to help you ensure you keep up to the ordered payments so
responsible enough to keep the property. To do this you must: you can stay in your home but if you fail to do this, we’ll have no choice but to ask
the court for a possession date and if need be grant a warrant to have you evicted
from your home.
Pay your rent on time
As an Introductory Tenant you can be evicted much more quickly and more easily
than a secure tenant.
If you are evicted from your property for rent arrears you may no longer be eligible
to go on the Leeds Homes Register for re-housing by Leeds City Council and the
You have a right to request a review of the decision to evict you but we do not need
many housing associations in Leeds.
to prove in court that it is reasonable to evict you as we would have to do if you were
a secure tenant.
In 2007 / 2008 East North East Homes Leeds carried out 35
As an Introductory Tenant you must understand if we need to serve a Notice to evictions, making families and single tenants homeless.
Terminate you Introductory Tenancy, your eviction is very likely to follow soon after.
Don’t let this happen to you. If you think you might fall behind with your rent, or
You can ask for a review but if we have followed all our procedures correctly and already have problems paying, contact us. We are here to help and will always try
you have not worked with us to reduce your arrears, the review will not be upheld to help you keep your home.
and an application for a warrant to evict you will follow. The process is much quicker
and simpler for Introductory Tenants.
It’s vital that if you’re in arrears you respond to us before we serve the Notice.
If you fail to make your rent payments, we will write to you and visit you. If you’re not
at home when we visit, we’ll leave a card asking you to contact us.
If you don’t respond to letters and visits to clear the arrears, or make re-payment
plans which you then break, we would apply for a County Court Judgement to
recover the debt or serve you with a Notice of Intent to Seek Possession. This is a
legal document which is the first step to court proceedings that could lead to your
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