If you share the tenancy along with other individuals
In the event that you finalized a tenancy that is joint, everyone else whom finalized will likely be jointly accountable for any lease arrears. The landlord can hold the other tenants responsible for paying their rent arrears if one person leaves without paying their rent.
If youвЂ™re a guarantor
In the event that you consented to be described as a guarantor for somebody and additionally they donвЂ™t spend their rent, their landlord can request you to pay.
If they donвЂ™t pay it if you agreed to be a guarantor for someone who is jointly liable for rent with other people, you could also be liable for the other tenantsвЂ™ rent.
If youвЂ™re a guarantor you need to have a finalized, written guarantee agreement which explains when you could be liable. It’s also wise to have already been provided a duplicate of this tenancy contract.
When you yourself haven’t compensated your fuel or electricity bills
In the event that you finalized the contract aided by the electricity or gas business or requested the supply, you are going to often lead to spending the power bill.
To ensure youвЂ™re perhaps perhaps not being expected to spend an excessive amount of, it is well well well worth checking that your particular bill is right.
When you havenвЂ™t had a bill recently
You might not have to pay for all the energy youвЂ™ve used if you havenвЂ™t received a bill for over a year. Get help when you havenвЂ™t gotten an electricity bill for a time.
When you yourself haven’t compensated your water supply bill
YouвЂ™ll be in charge of the water services bill in your geographical area. Everyone else who lives with you will be jointly liable, even in the event their name is not in the bill.
Your water wonвЂ™t be disconnected unless you run a business at the property if you donвЂ™t pay your bill. Always check so what can happen in the event that you donвЂ™t spend your water supply bill.
You can get help with paying your water bills if youвЂ™re struggling to pay.
Spending water bills if youвЂ™re renting
You might pay money for water in the lease. Look at your tenancy contract if youвЂ™re perhaps perhaps not sure.
In the event that you donвЂ™t have tenancy contract, verify that you’ve got any proof of that which was agreed whenever you relocated in. This might add e-mails, letters or texts.
If water is roofed, you can find rules to ensure that you donвЂ™t spend an excessive amount of for your water. Discover more about spending your water supply bill if youвЂ™re a tenant.
If youвЂ™re going out
Be sure you inform your water company if youвЂ™re moving away. In the event that you give 2 or more trading daysвЂ™ notice before you move, youвЂ™ll be liable through to the date you re-locate.
In the event that you donвЂ™t offer 2 daysвЂ™ notice, youвЂ™ll be liable before the earliest date away from:
Challenging a water services bill
You should contact your water company and explain why you think itвЂ™s incorrect if you believe your bill is incorrect. You ought to be capable of finding their contact information on your own bill.
You can complain about your water company if youвЂ™re not happy with your water companyвЂ™s response.
YouвЂ™re not liable for a water bill, or if your bill is too high, check if you think:
If you have been contacted in regards to a advantage or taxation credit overpayment
It’s likely you have been told youвЂ™ve been overpaid because of an error, or because some information regarding you had been incorrect once the advantage choice ended up being made.
Uncover what to complete in the event that youвЂ™ve been told:
For those who have home loan arrears
If you finalized the home loan contract you will end up accountable for any home loan arrears. If the agreement was signed by you with another person you’re going to be jointly accountable for any arrears.
Once you learn youвЂ™re likely to miss a home loan repayment, you ought to confer with your home loan business at the earliest opportunity. You might lose your house in the event that you skip home loan repayments.
They might let you reduce your repayments or take a break from payments for a while if discover this you contact your mortgage company. Talk with them once you can to begin coping with home loan arrears.
In case your property had been repossessed and you also nevertheless have actually mortgage arrears
Check out the date the house had been offered, as well as the date you past made a repayment into the mortgage business.
Your home loan business needs to contact you within 6 several years of the homely home on the market to inquire of you to definitely repay any arrears. You might not have to pay if they donвЂ™t. You should contact your nearest Citizens Advice if youвЂ™ve been contacted about mortgage arrears from a property sold more than 6 years ago.
Because you owe money on the main sum of the mortgage (the capital) if youвЂ™ve been contacted about mortgage arrears from a property sold in the last 6 years, it will usually be.