This is probably one of the most common and also the point that the owner of a view of the most serious, especially if they are very targeted and the large mortgage payments. A few months without rent could mean that you must pay on their savings and even their personal income.

There are a number of scenarios in the context of this particular type of problem. For example, the tenant may have missed a payment, then pay again resumed to the left with a tenant who pays, but it was reduced by a month. The more likely scenario is that they simply stop to pay altogether.

What do I do?

If the tenant has real financial difficulties, is undoubtedly the best way trying to work with them to update payments. Try to speak well and to renew and discuss the problem. Determine their status and reasons for non-payment and if you can make a payment on your account daily.

Al visit the property, but also gives you the opportunity to give a quick inspection and ensure that it is still in good condition and nothing wrong happens.

What are your reasons for non-payment? You seem authentic? There had a change of personal circumstances, such as changing jobs or unemployment? Try to find as much as possible.

It is a case agree with them a plan of action. This could bring your account current by a series of small payments, or organization for them to make a payment only future to pay its arrears. Try to get all this in writing and make it strong. You never know, you might luck and encourages its mere presence to pay there and then.

I worked in the management of debt and I am always wary of a debtor offers to pay its debts the future, for example, with funds from an inheritance or a tax refund. debtors series suffer from what called the syndrome of Manyana. I feel comfortable with a tenant who intends to make small but regular payments. Even if they promise to pay all your debts for rent within months, treatment to insist that making a small interim payment immediately or shortly thereafter. The amount may be reduced. However, if a person makes these payments is a clear sign of their commitment to tackle the problem. If they do, it means that probably will not solve the problem. In both cases, you can refine your strategy to cope with the situation expected.

In If the person making the payment, it is worth giving the benefit of the doubt and to work with them to pay their arrears. In the case non, expect problems! Looking to minimize their exposure, used to section 21 notice requiring possession.

Do not miss much time to negotiate with them, giving them more time to accumulate large debts. Incisive Act, unless it is firmly convinced otherwise. If the tenant is 2 months or more behind with rent, the procedures are simple possession as a ground 8 of the Housing Act of 1988 establishes this as a mandatory ground for possession.

One thing is to always remember that once a tenant has not paid, do not ignore the situation and hope it gets better. Prepare worse for the knowledge, service of notice for possession and legal action to recover rent arrears. Always try to keep in touch with the tenant and the use of this opportunity to gather two of them up to date information as possible. This information will be essential in case you decide to make a "flutter" and disappear, then decide to issue proceedings to recover their losses.

The information is particularly useful when trying to locate a person or is on the recovery of arrears are as follows:

* The national insurance number

details of work *

* Name correct

* Residential Address

* Date of Birth

Chris Horne has 20 years experience as a property professional having worked for companies such as English Partnerships and Drivers Jonas as a planning and surveying consultant.

He now works full time as a investor and property developer.

He also has developed the site Property Hawk targeted at UK Landlords it provides FREE Property Management Software.

Property Hawk also includes a mass of Buy to Let targeted information, FREE Tenancy agreements, Inventory Forms, financial and management tools. Its primary aim is to make managing property simpler for UK Landlords.

propertyhawk.co.uk is the Landlord’s Homepage

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