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Housing
Senior Member
United Kingdom
1399 Posts |
 Posted - 24 October 2010 : 22:32:57
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Hi again,
Orbit are a good Registered Provider (housing association). As you say they ate one of the larger associations and therefore are well respected in areas of good practice and with dealing with procedures such as Mortgage Rescue.
I would be inclined to make an appointment to see someone from Housing Benefits face to face to see where your entitlement has "dipped." I am sure they will do that.
Equally, if the reasons are genuine then Orbit will be fine and try to assist you. They will not want to get rid of a tenant who has been assisted by MR.
Suggest you contact HB and see what the statement means and they will guide you.
Post back then and we will try to assist. At the moment focus on positives...
Good luck, Richard
quote:
Originally posted by llewjac
It is a Assured Shorthold Tenancy that we have.
The Housing Association is Orbit, so it is one of the bigger ones. We were extremely lucky to receive mortgage rescue, it was mainly due to my husbands health. I wish all the others that post here with mortgage problems could receive the help that we have.
They haven't actually asked for the arrears yet, the first we knew about it was when we received the Annual rent statement on Friday. I immediately phoned the housing benefits office on Friday afternoon and asked them to send me a statement of their payments made to Orbit, this came yesterday morning and to be honest I can't tell whether the payments are right or not, I've tried to compare them with the statement of benefits they were sent to us over the last year (there are several of them) and I really can't tell what's what.
We're worried incase Orbit will not renew our tenancy in Sept 2012 due to us not paying this amount and them, ultimately, losing the rent money due to our bankruptcy.
Your help and support is getting us through this at the moment. Thank you.
"There are no problems - only solutions" |
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llewjac
Starting Member
7 Posts |
Posted - 25 October 2010 : 06:37:34
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| Thank you for your help Richard, feeling more positive today. Will make that appointment, then post back. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 25 October 2010 : 09:27:50
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Great - good luck and be strong...
Richard
quote:
Originally posted by llewjac
Thank you for your help Richard, feeling more positive today. Will make that appointment, then post back.
"There are no problems - only solutions" |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 26 October 2010 : 02:01:11
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Hi,
I dealt with quite a few people who had rent arrears when they went bankrupt, and although claimable in bankruptcy, the following case: "Harlow District Council versus N J Hall" allowed landlords to evict tenants who claimed rent arrears in bankruptcy.
This then makes rent arrears a priority debt in bankruptcy, which the OR should agree to be paid(whether in a payment plan or otherwise) on the grounds, that if you didn't, you would lose your home, the last thing the OR wants to do is make people homeless.
Big Al |
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llewjac
Starting Member
7 Posts |
Posted - 26 October 2010 : 18:02:47
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Thank you Big Al
We would definitely feel safer being able to pay off our rent arrears rather than claim it in our bankruptcy. We haven't got a date yet for our O/R interview but do you think the OR will agree to it becoming a secured debt? it wasn't even on our S.O.A at all because we wasn't aware of any arrears until we came home from court on Friday and found that the rent statement had been delivered in the post. Should we phone the Housing association and offer a payment plan now, before our interview or must this be done through the O/R?
We have an appointment with the benefits office on Friday to check whether there has been a gap in our benefit entitlements as Richard has suggested.
Thank you so much for taking the time to help us, its much appreciated.
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