Rent Arrears Payment Plan Letter
If you have fallen behind on rent, writing a clear, honest letter to your landlord can help protect your tenancy. Most landlords would rather agree a payment plan than go through the costly and lengthy eviction process.
Why Rent is a Priority Debt
Rent arrears can lead to eviction — but the process is not instant. Understanding your rights helps:
- Social housing tenants: Your housing association must follow a formal pre-action protocol before eviction
- Private tenants: Your landlord must serve the correct notice (Section 8 or Section 21) and obtain a court order
- No landlord can evict you without a court order — changing locks or removing belongings is illegal
What to Include
- Your name and address
- The amount of arrears you owe
- A clear explanation of your circumstances
- The amount you can afford to pay monthly (rent + arrears contribution)
- A statement that you want to maintain the tenancy
- Whether you are claiming Housing Benefit or Universal Credit housing element
Checking Your Housing Support
If you receive housing support, check that:
- Your Housing Benefit or UC housing element is being paid correctly
- You have reported any changes in circumstances
- You are receiving the correct amount for your area (Local Housing Allowance rates)
If there is a shortfall between your housing support and your rent, you may be able to apply for a Discretionary Housing Payment (DHP) from your council.
Your Rights as a Tenant
- Your landlord cannot enter your property without permission (except in emergencies)
- Your landlord cannot harass you or pressure you to leave
- Eviction requires a court order — the process typically takes 3–6 months minimum
- If you are vulnerable or have children, the court may give you more time
What Happens Next
- 1Your landlord should acknowledge your letter
- 2You may agree a payment plan in writing
- 3Keep a copy of all correspondence
- 4If your landlord does not respond, send a follow-up after 14 days
- 5If you are threatened with eviction, seek advice immediately from Shelter (0808 800 4444)
Frequently Asked Questions
Can my landlord evict me for rent arrears?
Your landlord can begin the eviction process, but cannot evict you without a court order. The process is lengthy (typically 3–6 months) and the court will consider your circumstances. Proactively contacting your landlord and offering a payment plan significantly reduces the risk.
Should I pay rent or other debts first?
Rent is generally considered a priority debt because the consequence of non-payment (eviction) directly affects your housing. Priority debts should typically be addressed before non-priority debts like credit cards.
What is a Discretionary Housing Payment?
A DHP is extra help from your council if your Housing Benefit or Universal Credit housing element does not cover your full rent. It is discretionary (not guaranteed) but many councils have funds available. You can apply through your local council.
What if my landlord refuses a payment plan?
If your landlord refuses to negotiate, keep a record of your attempts. Continue paying what you can afford. Seek advice from Shelter or Citizens Advice. If eviction proceedings begin, your good faith efforts to pay will be noted by the court.
Related Guides
Hardship Letter for Credit Card Debt
Free hardship letter template for credit card debt. Generate a professional letter requesting reduced payments, interest freeze, or a payment plan from your credit card provider.
Council Tax Payment Plan Letter
Free council tax payment plan letter template. Request a payment arrangement for council tax arrears and avoid enforcement action from your local council.
Your Eviction Rights — What Landlords Can and Can't Do
Know your rights if facing eviction. Section 21 vs Section 8, timelines, court process, and how to challenge an illegal eviction.
Sources & Further Reading
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