Newport City Homes. Rent Arrears Recovery Policy (P13) 1. Introduction
|
|
- Sydney Bennett
- 6 years ago
- Views:
Transcription
1 Newport City Homes Rent Arrears Recovery Policy (P13) 1. Introduction
2 1.1 Newport City Homes aims to improve rent collection and reduce rent arrears to maximise the funds available to provide high quality housing management and maintenance services to residents. 1.2 This policy sets out Newport City Homes approach for ensuring that every resident is made aware of their responsibility to pay rent under their tenancy agreement, the action that can be taken and the support and advice that residents will receive to enable them to maintain their tenancy. 1.3 The term resident used in this policy applies to all tenants, leaseholders and shared owners of Newport City Homes. 1.4 All policies have been developed jointly by members of the Board, Tenants Panel and staff. 2. Policy statement 2.1 Newport City Homes understands that residents circumstances change for a variety of reasons and this may make it difficult for them to pay their rent. 2.2 Where residents are having trouble paying their rent, staff will offer appropriate advice and assistance. This will include working with residents in developing an affordable repayment plan. 2.3 Newport City Homes will work closely with Newport City Council, the Benefits Agency and other agencies to help maximise the take-up of welfare benefits. 2.4 Where residents fail to pay their rent or keep to an agreed repayment plan Newport City Homes will, as a last resort, take legal action for breach of tenancy. 3. Principles of the policy 3.1 The main principles of Newport City Homes arrears recovery policy are to: Help prevent arrears from occurring in the first place Make early personal contact with residents in arrears to determine the reason for non-payment Make an agreement in writing with the resident to reduce the arrears and closely monitor compliance Ensure the availability of appropriate financial advice to increase residents ability to pay their rent and manage their debt Take account of vulnerable residents Achieve continuous improvement in relation to arrears by ensuring that performance is regularly monitored, reported and reviewed 3.2 Newport City Homes will keep residents informed at all stages of the arrears process.
3 3.3 Newport City Homes will only consider eviction as a final resort where all possible means of reducing and ultimately clearing the debt have been taken and have been ignored. 3.4 Newport City Homes will liaise with relevant bodies when an eviction is proposed, for example Social Services, Homelessness etc. 3.5 Training and support will be given to staff on arrears management, debt management and benefit entitlement. 3.6 Staff will deal with arrears recovery in a sympathetic and professional manner and will be fully trained to be able to make reasoned and informed judgement when dealing with individual cases. 4. Relevant legislation and regulatory compliance 4.1 Newport City Homes will comply with all relevant legislation and statutory requirements, including the following: Housing Acts 1988, 1996,1998 and 2004 Children Act 1989, S27 The Human Rights Act 1998 Data Protection Act 1998 and County Court protocol 5. Implementation of the policy 5.1 Prevention of arrears 5.2 Newport City Homes believes that successful arrears control begins with arrears prevention, which starts on the first day of a new tenancy. 5.3 New residents will be given advice on all conditions of tenancy before signing their tenancy agreement. This will include: Details of the payments that are due under the tenancy agreement and what will happen if these payments are not made Advice and assistance on claiming welfare benefits, including housing benefit A how to pay your rent leaflet outlining the different ways in which rent can be paid and what will happen if payments are missed Guidance on where to obtain additional independent advice and support Details of Newport City Homes complaints policy 5.4 In addition to the detailed advice given at the signing of the tenancy, all new residents will be visited within 6 weeks of moving into their new home. This visit is intended to give residents the opportunity to discuss any issues or concerns that they may have at that time, including questions or concerns about rental payment
4 5.5 Recovery of arrears 5.6 Newport City Homes recognises that most residents pay their rent on time but on occasion missed payments arise. In these cases our aim is to adopt a fair, responsive and where necessary firm approach to arrears recovery. 5.7 In pursuing any outstanding rent arrears, Newport City Homes will: Ensure that all new and existing residents are made aware of their responsibility to pay rent and other charges in accordance with their tenancy agreement Inform residents promptly of any changes to rent charges Provide residents with information, advice and assistance on housing benefit and other welfare benefits in order to maximise their ability to pay rent Make early personal contact with residents who fall into arrears with the aim of establishing the reason for non-payment Undertake a financial assessment of a residents circumstances with a view to making realistic and affordable arrangements to pay off arrears and confirm this in writing Take possession action against residents who persistently fail to pay rent and other charges 5.8 Former Resident Arrears 5.9 Newport City Homes will actively pursue all debt left by former residents including rent arrears. This may result in a collection agency being instructed to collect the outstanding debt on behalf of Newport City Homes Newport City Homes will accept payments by instalment, where appropriate, allowing repayment of the outstanding amount over time If the former resident is in employment and ignores requests for payment, Newport City Homes may seek a money judgement order and enforcement action such as Attachment of earnings Newport City Homes has the discretion to cease recovering a former resident debt where it is not cost effective to pursue the debt Newport City Homes will not write off former resident debts without taking all reasonable steps to recover them Re-instatement of debts that have been written off will be possible if at a later date the whereabouts of a former resident is obtained Rent Collection 5.16 Newport City Homes is committed to collecting all the money that it is owed, whilst recognising that some residents need support in meeting their payment responsibilities.
5 5.17 Newport City Homes provides a range of convenient and flexible payment methods to maximise opportunities for residents to pay their rent and suit their individual needs. These methods include, wherever possible, paying by: Housing Benefit direct payment Cash or cheque at housing offices Cash, cheque or swipe card at the Post Office Post with a cheque Direct debit or standing order Telephone using a credit or debit card Payment over a secure internet site Direct deduction from salary where the resident is employed by Newport City Homes 5.18 Newport City Homes will provide accurate and timely information on rent accounts by sending all residents quarterly rent statements, accompanied with an explanatory letter Housing Benefit 5.20 Newport City Homes recognises the importance of good quality advice to residents in respect of housing benefit entitlement and administration Newport City Homes acknowledges that some arrears result from delays in the payment of housing benefit. Where residents are in arrears as a result of delays in processing housing benefit claims, we will listen and give advice on how to resolve the problem Newport City Homes will also establish close and effective liaison with Newport City Council, to help ensure prompt payment of Housing Benefit Support for vulnerable residents 5.24 Newport City Homes will take steps to identify residents who may be vulnerable and require additional support to manage their tenancy and remain in their home Appropriate support and advice will be offered to any resident who is suffering financial hardship and has subsequently fallen into arrears. 6. Risk implications 6.1 Failure to have a clear and consistent policy to deal with arrears recovery may lead to poor performance. This could result in a negative impact upon the reputation and image of Newport City Homes, leading in turn to a loss of public confidence.
6 7. Financial Implications 7.1 A failure to manage rent arrears effectively will result in a direct loss of income to Newport City Homes, with a corresponding reduction in the money available to provide high quality housing services. 7.2 Poor performance on arrears recovery could have a negative impact upon the confidence of financial institutions in Newport City Homes. This could result in a detrimental effect upon the rate of interest payable on any future loans. 8. Equality Implications 8.1 Newport City Homes is committed to giving an equal service to all. Any action taken under this policy will comply with current equalities legislation. 8.2 Newport City Homes staff will operate within the Equality and Diversity Policy and seek to address any specific needs which may arise in respect of ethnic minorities, people with disabilities, the elderly or vulnerable residents. 8.3 Newport City Homes will in all reasonable circumstances make information available in a variety of information formats, including: large print audio tape community languages 9. Welsh Language Implications 9.1 Newport City Homes recognises the right of people to conduct their business through the medium of Welsh. 9.2 Newport City Homes will meet the requirements of the Welsh Language Act 1993 and offer a choice of using English or Welsh when communicating with Newport City Homes. 10. Resident Participation Implications 10.1 Newport City Homes will keep residents informed on general issues regarding rent, welfare benefits and housing benefit by regular updates in residents newsletters, subject specific leaflets and the residents handbook Where appropriate, residents may be asked to complete a satisfaction survey indicating their views on how their arrears case was handled and the quality and effectiveness of any advice and support they received Newport City Homes will provide performance information to residents so they can measure and evaluate the quality and effectiveness of the services delivered.
7 10.4 Newport City Homes will listen to residents views at every opportunity to enable continuous improvements to services, in line with its Resident Participation Strategy. 11. Policy monitoring 11.1 To help achieve our aim of being a continuously improving organisation and to ensure that we meet all statutory obligations, Newport City Homes has systems and processes in place which allow us to monitor and evaluate our performance Realistic arrears reduction targets will be agreed with each area housing manager. These targets will be set and reviewed on an annual basis In particular, performance monitoring on arrears on a quarterly basis will be presented to the Board and City Wide Residents Panel, including: Amount of rent collected as a proportion of the rent owed Percentage of residents with rent arrears Percentage of residents who have had notices served for rent arrears Percentage of residents evicted for rent arrears Percentage of rent written off Number of residents with arrears over 1000 Arrears trends on an area basis Performance against targets 11.4 Newport City Homes will publish information on arrears performance on a yearly basis in its annual report Newport City Homes will benchmark its performance against other similar housing associations with the aim of achieving continuous improvement and to ensure compliance with best practice. 12. Links to other relevant policies/documents 12.1 This policy links closely with the following policies and documents: 13. Review How to pay your rent leaflet Re-chargeable repairs Policy Complaints Policy Confidentiality Policy Equality and Diversity Policy Tenancy agreement and Residents handbook Resident Participation Strategy 13.1 This policy will be reviewed by the Board every three years unless there is a change in legislation.
SHEPHERDS BUSH HOUSING ASSOCIATION RENT ARREARS POLICY
(UNCONTROLLED WHEN PRINTED) SHEPHERDS BUSH HOUSING ASSOCIATION 1. INTRODUCTION Shepherds Bush Housing Association () must maximise rent collection in order to sustain financial viability, maintain a high
More informationIncome Management and Rent Arrears Policy
Income Management and Rent Arrears Policy December 2017 Version Author Date Review date Comments/amendments 1.0 Income Recovery Manager December 2017 December 2019 New group wide policy developed. Page
More informationRENT COLLECTION, ARREARS & DEBT RECOVERY POLICY
RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY Approved by Board Approved Date 21/07/2009 Version no. Review Date Q2 2013/14 S:\Governance\Current Policies\Policy - Rent Collection, Arrears & Debt Recovery
More informationINCOME MAXIMISATION & RENT ARREARS RECOVERY POLICY Document control Policy approval GDT November 2017 Updating
INCOME MAXIMISATION & RENT ARREARS RECOVERY POLICY 2017-2020 Document control Policy approval GDT November 2017 Updating Income Maximisation & Rent Arrears Recovery Policy 2016-2017 Next review date June
More informationCode: HM 14. Approval: August Review Date: August 2014
Governance: Housing Management Code: HM 14 Approval: August 2011 Review Date: August 2014 Cross Reference: HM 03 Allocations HM 05 Assignation HM 11 End of Tenancy Procedures HM 19 Start of Tenancy Procedures
More informationRent Collection policy
Rent Collection policy 1. Scope 1.1 This policy outlines Peabody s approach to the collection of rent including service charges which are included within rental charges and sub-unit arrears. 1.2 It covers
More informationPolicy - Rent Collection & Arrears Current and Former Tenants
Policy - Rent Collection & Arrears Current and Former Tenants Policy Valid From 1 st May 2018 Last Review date 1 st April 2018 Next Review Date 1 st April 2020 1.0 Introduction The Association s main source
More informationArrears Prevention and Recovery Policy
Arrears Prevention and Recovery Policy 2016-2017 Policy Reference: Policy/HM011 Issue 2.0 Approved by: Senior Management Team Date approved: 01/04/2016 A Scope and Objectives The objective of this policy
More informationPolicy & Procedure on Managing Current Tenancy Rent Arrears
Policy & Procedure on Managing Current Tenancy Rent Arrears December 2017 Website Page 1 of 10 INTRODUCTION 1.0 This Policy covers all regular payments due to CHS Group for general needs and shared ownership
More informationARREARS MANAGEMENT POLICY AND PROCEDURE
Date of board 23rd November 2016 approval: Date for review: November 2019 1.0 Our intentions Through this policy we will aim to: ensure that all those in arrears are treated equally whilst recognising
More informationWhen you signed your tenancy agreement you will have been advised of how much you will need to pay every week.
My Rent Paying your rent When you signed your tenancy agreement you will have been advised of how much you will need to pay every week. Your rent will include an amount for the basic rental of the property
More informationRent Arrears Policy. Date approved November 2016
Date approved November 2016 Date of Next Review November 2017 Date of Last Review Review Frequency Annually Type of document Policy Owner Name Jenny Spoor, Group Head of Neighbourhoods Job Title Approved
More informationReactive Maintenance Policy
Reactive Maintenance Policy If you need this publication in larger print, audio form, Braille, or in another language, please contact our office and we will try to help you. KINGDOM HOUSING ASSOCIATION
More informationStarter Tenancies Policy
Starter Tenancies Policy December 2017 Website Page 1 of 8 Introduction CHS homes (CHS) uses starter tenancies to help to manage risk in letting homes to people. A starter tenancy gives a new tenant limited
More informationClydesdale Housing Association. Date approved 10 December Date for review 7 December 2017
Clydesdale Housing Association Policy name & number 06 Housing Management Rent Arrears Policy Date approved 10 December 2014 Date for review 7 December 2017 Policy by Jane Guthrie Responsible Officer Depute
More informationREVENUES SERVICES PROTOCOL AND GUIDANCE FOR COLLECTION OF DEBT
REVENUES SERVICES PROTOCOL AND GUIDANCE FOR COLLECTION OF DEBT August 2010 INDEX 1.0 Scope and Purpose of this Protocol 2.0 Overview 3.0 Aims of the Policy 4.0 Statement Of Policy 5.0 Monitoring APPENDICES
More informationORBIT DEBT, SERVICE CHARGE & OTHER ARREARS RECOVERY POLICY
Document Title Debt, Services Charge and other Arrears Recovery Policy Version Final 1.2 Release Date February 2019 Review Date February 2022 Extension Reason(s) Extension date approved Approver details
More informationClaims & Compensation Policy
Claims & Compensation Policy If you need this publication in larger print, audio form, Braille, or in another language, please contact our office and we will try to help you. Approved: June 2013 Next Review:
More informationRent Arrears Policy 2017
Rent Arrears Policy 2017 Author: Angela Aldis Operations Manager Date Issued : 2017 Review date: 2020 1 Contents Items 1 Introduction 2 Aims and Objectives 3 Stages of the Rent Arrears Policy 4 Early Intervention
More informationVictoria-Shuter Non-Profit Housing Corporation
POLICY NAME Arrears Policy POLICY NUMBER 2013-104 DATE March 2013 DATE REVIEWED OR REVISED REFERENCES Housing Services Act, 2011 Residential Tenancies Act, 2006 Tenancy Agreement SEE ALSO POLICY STATEMENT
More informationPaying Rent is Your Responsibility
Paying Rent is Your Responsibility The rent that you pay for your home is SBHA s main source of income and we rely on this money to manage and maintain your home and provide services to Tenants. This leaflet
More informationCOMPENSATION POLICY. Board Approval: May 2017 Responsible Board: Ocean Housing Ltd
COMPENSATION POLICY Board Approval: May 2017 Responsible Board: Ocean Housing Ltd Next Review: May 2019 Responsible Executive: Managing Director of Ocean Housing Ltd 1.0 INTRODUCTION 1.1 Policy Summary
More informationSOUTH HAMS DISTRICT COUNCIL LOCAL ALLOCATION POLICY
SOUTH HAMS DISTRICT COUNCIL LOCAL ALLOCATION POLICY South Hams District Council is committed to reflecting the full diversity of the community it serves and to promoting equality of opportunity for everyone.
More information1. Introduction. 2. Policy Statement
Allocation Policy 1. Introduction 1.1 Knowsley Housing Trust (KHT) is a registered charity. It believes in equality of access to housing within its management recognising the diversity of applicants who
More informationRENT ARREARS POLICY. The Income Manager is responsible for the day to day operation.
RENT ARREARS POLICY 1. Purpose Black Country Housing Group s (BCHG) financial viability depends on rent collection. To safeguard our rental income we need to make sure that residents keep in line with
More informationThe key objectives from the Corporate Debt Policy should be considered and the following key messages highlighted:
Write off Policy This write off policy is linked to Corporate Debt Policy The key objectives from the Corporate Debt Policy should be considered and the following key messages highlighted: 1. The preference
More informationReview of Code of Conduct on Mortgage Arrears. Consultation Paper CP 46
Review of Code of Conduct on Mortgage Arrears Consultation Paper CP 46 August 2010 Consultation Paper on Review of Code of Conduct on Mortgage Arrears Introduction The Code of Conduct on Mortgage Arrears
More informationNOT PROTECTIVELY MARKED Appendix 1. Discretionary Housing Payment Policy
Discretionary Housing Payment Policy What s in the policy? Page Introduction...1 Aims and objectives...1 Legislative Framework...2 Awards...2 Exclusions...3 Applying for a Discretionary Housing Payment...3
More informationHomelessness Prevention: the current reality, and how data can inform and improve practice
Homelessness Prevention: the current reality, and how data can inform and improve practice Joy Williams LA Homelessness and Supporting People Network Background/Context The Ten Year Homelessness Plan reflects
More informationBackground. When your rent is due. Ways to pay
Paying your rent Paying you rent Background It is very important that you pay rent on time as we rely on the income from rents to fund the services we provide. It is also a condition of your tenancy agreement
More informationGuidance notes for local authorities. Government Mortgage Rescue Scheme
Guidance notes for local authorities Government Mortgage Rescue Scheme May 2009 1 CONTENTS PART I 1. INTRODUCTION 7-16 1.1 Context 7 1.2 What is the Mortgage Rescue Scheme (MRS)? 8-9 1.3 How does the shared
More information(PSL) Officer. Special Conditions: Essential User Car Allowance. Ability to work outside normal hours to meet service needs.
Job Description Directorate: Operations Service Area: Leasehold Management Job Title: Private Sector Leasing (PSL) Officer Grade: Scale 6 Special Conditions: Essential User Car Allowance. Ability to work
More informationEveryone should have a home. Vicky Hines Shelter CIH legal update on welfare reform - Providing Advice and Information
Everyone should have a home Vicky Hines Shelter CIH legal update on welfare reform - Providing Advice and Information Providing Advice and Information Customer journey and process Targeting residents Assisted
More informationCustomer Compensation Policy and Claims Procedure
Customer Compensation Policy and Claims Procedure COR-POL-06 Version 4.0 Date approved: 25 July 2017 Approved by: People and Places Committee 1. Introduction 1.1 Southway Housing Trust (The Trust) aims
More informationNational Hardship Policy
National Hardship Policy 1 BACKGROUND... 2 2 THE PRINCIPLES THAT UNDERLINE THIS POLICY... 3 3 DEFINITIONS... 3 4 INDICATORS OF FINANCIAL HARDSHIP... 3 5 OUR CUSTOMER VALUES... 4 6 OUR CUSTOMER CHARTER...
More informationDealing with Rent Arrears
Dealing with Rent Arrears We understand that most people will experience some financial difficulties at some point in their lives. Very often this can lead to people falling behind with their rent payments.
More informationThis Guide has been prepared by Renfrewshire Council and the five peer
Renfrewshire Council Peer Review of Rent Collection Service Good Practice Guide This Guide has been prepared by Renfrewshire Council and the five peer councils (East Ayrshire, City of Edinburgh, Falkirk,
More informationKNOWSLEY METROPOLITAN BOROUGH COUNCIL HOUSING AND COUNCIL TAX BENEFIT - DISCRETIONARY HOUSING PAYMENTS POLICY
APPENDIX A KNOWSLEY METROPOLITAN BOROUGH COUNCIL HOUSING AND COUNCIL TAX BENEFIT - DISCRETIONARY HOUSING PAYMENTS POLICY 1. Background The purpose of this Policy is to specify how the Benefits Service
More informationCalico Housing Income Management
Calico Housing Income Management Our approach Desktop review key documents Reality checks - onsite interviews and focus groups Reality checks case studies(file/it checks) Report findings/recommendations
More informationFLA. Lending Code setting standards, creating transparency YEARS
FLA Lending Code 2017 25 YEARS setting standards, creating transparency KEY Each type of loan within this document is represented by the following colours: Loans taken out through a supplier of goods and
More informationLANDLORDS RENT & LEGAL PROTECTION. Policy Summary.
LANDLORDS RENT & LEGAL PROTECTION Policy Summary www.lettingshub.co.uk rentprotection@lettingshub.co.uk LANDLORDS RENT & LEGAL PROTECTION Policy Summary This document provides a summary of the cover available
More informationFINANCIAL INCLUSION STRATEGY
August 2016 BOURNEMOUTH CHURCHES HOUSING ASSOCIATION FINANCIAL INCLUSION STRATEGY 2016-2018 This strategic plan has been developed by Assistant Director of Housing and Customer Experience Bournemouth Churches
More informationCustomer Relations Policy
Customer Relations Policy If you need this publication in larger print, audio form, Braille, or in another language, please contact our office and we will try to help you. 1. Statement of Intent KINGDOM
More informationDebt Management Plan. Terms of Business
Debt Management Plan Terms of Business Important Note These terms of business (the Terms ) explain the rights and obligations of You and Us regarding the provision of your Debt Management Plan. You should
More informationResponsive Repairs Policy
Responsive Repairs Policy Responsible Officer Director of Customer Services PART 1- POLICY SCOPE Aim of the Policy 1.0 The Responsive Repairs Policy is set in the context of Phoenix s Vision to, Work together
More informationAlano Utilities. Hardship Policy for Residential Customers
Alano Utilities Hardship Policy for Residential Customers August 2014 1 Purpose 1. Alano Utilities is committed to assisting residential customers of sewerage services, who are experiencing financial hardship,
More informationIndustry guidance on arrears and possessions to help lenders comply with MCOB 13 and TCF principles. October 2008
COUNCIL of MORTGAGE LENDERS NORTH WEST WING, BUSH HOUSE, ALDWYCH, LONDON WC2B 4PJ tel: 0845 373 6771 fax: 0845 373 6778 website: www.cml.org.uk Industry guidance on arrears and possessions to help lenders
More informationGet advice now. Are you worried about your mortgage? New edition
New edition April 2016 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage or are worried about an interest rate change, you need to act now to stop your situation
More informationStarter Tenancy Policy
1. Policy Statement 1.1 Bournville Village Trust: 1.1.1 Believes that all tenants have the right to live peacefully within their home and community and is committed to tackling all complaints of anti-social
More informationSHEPHERDS BUSH HOUSING ASSOCIATION COMPENSATION POLICY
(UNCONTROLLED WHEN PRINTED) SHEPHERDS BUSH HOUSING ASSOCIATION 1. INTRODUCTION Shepherds Bush Housing Association (SBHA) is committed to consistently providing a high quality service to our customers.
More informationAppendix L1. London Borough of Barnet. Debt Management Policy
Appendix L1 London Borough of Barnet Debt Management Policy 10 February 2017 1 Introduction and objectives The Council has a statutory and fiduciary responsibility to protect public funds for the benefit
More informationUniversal Credit claimant guide
Universal Credit claimant guide What is the Universal Credit service? Universal Credit claimant housing guide Universal Credit claimant housing guide If you pay rent to a local authority, council or housing
More informationMANAGING DEBT.
MANAGING DEBT www.nwl.co.uk MANAGING DEBT OUR CODE OF PRACTICE: THE COLLECTION OF DEBT FOR DOMESTIC CUSTOMERS The water services we provide to your property have to be paid for, but we know that finding
More informationComplaints and Compensation Policy
Approval date January 2017 Approval Level Review Period Board 2 years Next Review Date January 2019 Policy Owner Role Title Responsible Director Head of Customer Experience Customer Services Contents 1.0
More informationCustomer Hardship Policy
Customer Hardship Policy energy Contents 1. Introduction 2 2. What is Hardship? 2 3. Fair Access and Transparency 2 4. Customer s Rights and Obligations 3 5. Hardship Program 3 6. Reviewing Customer Contracts
More informationCODE OF BANKING PRACTICE
Publication History First published by the Australian Bankers Association in August 2003. Subsequent amendments published in May 2004. For details of these amendments see www.bankers.asn.au under Code
More informationCode of Conduct & Practice
Code of Conduct & Practice Terms of Usage 2015. Credit Collection Association of Singapore (CCAS). All Rights Reserved. No part of this publication may be resold, reproduced or transmitted in any form
More informationHCA Self-Assessment. Self-assessment against the regulatory standards 2014/15
HCA Self-Assessment Self-assessment against the regulatory standards 2014/15 1 Governance and Financial Viability Standard (Governance) Economic standard Governance Required Outcomes Registered providers
More informationDebt recovery. We want to help.
Debt recovery We want to help www.bristolwater.co.uk 1 www.wessexwater.co.uk As a Bristol Water and Wessex Water customer, you are entitled to a high level of service from us and our billing company Bristol
More informationyour money x: Whereyour Section How to manage
Section How to manage x: Whereyour you llive money How to manage your money Contact customer support on 01225 715 715 How to manage your money This leaflet explains how best to manage your money and make
More informationHardship Policy for Residential Customers
Customer Assist and Recovery Hardship Policy for Residential Customers Version: 1.0 Date: 09/11/2017 2017 Corporation. All rights reserved. Contents Purpose... 3 Background... 3 Definitions and interpretation...
More informationH 7. Factoring Policy. If you require this policy in a different format please ask a member of staff. Date of Approval March 16 Review Due March 19
H 7 Factoring Policy If you require this policy in a different format please ask a member of staff Date of Approval March 16 Review Due March 19 1.0 The Association s Objective 1.1 Elderpark Housing Association
More informationDebt Management Plan Agreement
Debt Management Plan Agreement Introduction Following the review of your financial circumstances which led to our recommendation of a debt management plan (DMP) to deal with your debts, this Agreement
More informationFinancial Services Authority FINAL NOTICE. DB UK Bank Limited (trading as DB Mortgages) Winchester House 1 Great Winchester Street London EC2N 2DB
Financial Services Authority FINAL NOTICE To: DB UK Bank Limited (trading as DB Mortgages) Of: Winchester House 1 Great Winchester Street London EC2N 2DB Date: 15 December 2010 TAKE NOTICE: The Financial
More informationDealing with debt. A guide for customers
Dealing with debt A guide for customers How you can get help Banks are here to help you run your finances smoothly in a complicated world. You can get help in good and bad times. Banks understand that
More informationWelfare safety net inquiry
Welfare safety net inquiry Written evidence submitted by Changing Lives and Fulfilling Lives Newcastle Gateshead, December 2018 1. Introduction 1.1 Changing Lives is a national charity which provides a
More informationINFRASTRUCTURE AND RESOURCES SCRUTINY PANEL CORPORATE DEBT POLICY
Report No: 130/2018 PUBLIC REPORT INFRASTRUCTURE AND RESOURCES SCRUTINY PANEL 13 th September 2018 CORPORATE DEBT POLICY Report of the Strategic Director for Resources Strategic Aim: Sound Financial and
More informationReactive maintenance repairs policy. August 2013 August If you require this policy in a different format please ask a member of staff
1 M 4 Reactive maintenance repairs policy Date of approval Review date August 2013 August 2016 If you require this policy in a different format please ask a member of staff Foreword 2 Elderpark Housing
More informationRecharges Policy. Document Control. Last Issued November Responsible Person. Review Frequency. Reviewed by. Date Approved November 2015
Page 1 of 5 Recharges Policy Last Issued November 2015 Document Control Responsible Person Review Frequency Reviewed by Operations Director 3-Yearly Board Date Approved November 2015 Next Review Due November
More informationSummary of the Fees Policy
Summary of the Fees Policy 2018-2019 Bournemouth University (BU) is committed to a fair and transparent policy for charges made to its students. We will use reasonable efforts to provide students with
More informationYour guide to paying rent and the ways we can help.
Glasgow Housing Association My rent Your guide to paying rent and the ways we can help. Better homes, better lives Sign up for My GHA The easiest way to get in touch is online, you can pay your rent and
More informationAppendix 4 - Ealing Council. Discretionary Housing Payment Scheme
Appendix 4 - Ealing Council Discretionary Housing Payment Scheme Introduction The government s Department of Work and Pensions (DWP) provides funding to Local Authorities in the form of a Discretionary
More informationDealing with Rent Arrears. A Guide to Safeguarding your Home.
Dealing with Rent Arrears Dealing with Rent Arrears If you are struggling to pay your rent and have missed payments, don t panic our Debt Action NI Advisers are here to help. Rent is classified as a priority
More informationDealing with a drop in income
Dealing with a drop in income 2 Royal College of Nursing Dealing with a drop in income 3 When you are faced with a change of circumstances, such as a reduction in your working hours, ill health, loss of
More informationPromoting understanding about banks financial hardship programs
Promoting understanding about banks financial hardship programs This industry guideline does not have legal force or prescribe binding obligations on individual banks. While the ABA s industry guidelines
More informationVALUE FOR MONEY (VFM) STATEMENT SUMMARY 2015/16
VALUE FOR MONEY (VFM) STATEMENT SUMMARY 2015/16 Approach Our approach to Value for Money (VFM) SUCCESS IN VFM Success in VFM and efficiency is the same as success in achieving our strategic objectives.
More informationThe FOS Approach to Joint Facilities and Family Violence
The FOS Approach to Joint Facilities and Family Violence 1 At a glance 2 1.1 Scope 2 1.2 Summary 2 2 In detail 3 2.1 Issues that may arise with joint facilities 3 2.2 Understanding and responding to family
More informationComplaints, Compliments & Feedback Policy
Complaints, Compliments & Approved by: Feedback Policy Approved date: Document controls Version Changes Responsible person Issued date 1.0 New policy document Lisa Jones 21/03/2014 1. Introduction 2. Definitions
More informationCUSTOMER OWNED BANKING. we ve signed CODE OF PRACTICE
CUSTOMER OWNED BANKING CUSTOMER OWNED BANKING CODE OF PRACTICE Credit Unions, Mutual Building Societies and Mutual Banks July 2016 CUSTOMER OWNED BANKING The Customer Owned Banking Code of Practice is
More informationDeductions. Contents. Introduction. First published: 02 August 2016 (version 1) Last updated: 22 September 2016 (version 2)
Deductions First published: 02 August 2016 (version 1) Last updated: 22 September 2016 (version 2) Contents Introduction Maximum rates of deductions Sanctions, penalties or advances being applied or deducted
More informationSERVICE CHARGE COLLECTION AND ARREARS RECOVERY PROCEDURE NOTE
SERVICE CHARGE COLLECTION AND ARREARS RECOVERY PROCEDURE NOTE July 2015 v.6 London Borough of Southwark Home Ownership Services Specialist Housing Services Division Housing & Community Services INTRODUCTION
More informationTARIFF OF MORTGAGE CHARGES. Modern mortgages Traditional service
TARIFF OF MORTGAGE CHARGES Modern mortgages Traditional service HINCKLEY & RUGBY BUILDING SOCIETY TARIFF OF CHARGES FOR MORTGAGES 1st January 2019 Hinckley & Rugby Building Society charges mortgage applicants
More informationSOUTHWARK AND LONDON DIOCESAN HOUSING ASSOCIATION RESIDENTS HANDBOOK
SOUTHWARK AND LONDON DIOCESAN HOUSING ASSOCIATION RESIDENTS HANDBOOK 1 Useful Numbers Police/fire/ambulance 999 BT Directory Enquiries 118500 SLDHA Main Office Number 020 7089 1370 SLDHA Emergency Repairs
More informationRECOVERY & WRITE OFF PROCEDURES
RECOVERY & WRITE OFF PROCEDURES FOR HOUSING DEBTS (INCLUDING FORMER TENANT ARREARS & RECHARGEABLE WORKS ORDERS) Version Control Version Date Comments Prepared by: Approved/ Adopted date/by: 1.0 Feb 2016
More informationINSURANCE IN SUPERANNUATION VOLUNTARY CODE OF PRACTICE
INSURANCE IN SUPERANNUATION VOLUNTARY CODE OF PRACTICE What is the Insurance in Superannuation Voluntary Code of Practice? The Code is the superannuation industry s commitment to high standards when providing
More informationCode of Conduct on Mortgage Arrears
Code of Conduct on Mortgage Arrears February 2009 Code of Conduct on Mortgage Arrears This Code applies to: the mortgage lending activities of all regulated entities operating in the State, including:
More informationEverything you need to know about Universal Credit NOW!
Special Feature Everything you need to know about Universal Credit NOW! Your easy A B C to avoid debt ARE YOU READY? COMMUNITY MONEY ADVICE G E T M O N E Y W I S E This publication is available in large
More informationThe Community Housing Group & all subsidiaries. Executive Business Manager (Repairs & Voids)
Business Units: The Community Housing Group & all subsidiaries Date of Document: March 2015 Date for Next Review: March 2018 Authors: Executive Business Manager (Repairs & Voids) Introduction This document
More informationFACTORING POLICY. January 2019 January CASSILTOUN HOUSING ASSOCIATION LIMITED Castlemilk Stables, 59 Machrie Road, Castlemilk, Glasgow G45 0AZ
FACTORING POLICY Date Approved Proposed Review Date January 2019 January 2022 Chair Person/Office Bearers Signature: CASSILTOUN HOUSING ASSOCIATION LIMITED Castlemilk Stables, 59 Machrie Road, Castlemilk,
More information1. Property & Rental Details F: , E: Address:
Tenancy Application Form Belvoir Lettings West Derby Liverpool 54 Mill Ln, West Derby, Liverpool, L12 7JB, T: 0151 256 0880 1. Property & Rental Details F: 0151 256 0925, E: westderby@belvoirlettings.com
More informationCode of practice for recovering domestic water debt
Code of practice for recovering domestic water debt Contents 2 What to do if you can t pay your bill 3 How we can help 5 How to pay 7 What if you don t pay the bill or don t keep to an agreement? 9 What
More informationOur fees and charges explained
Our fees and charges explained and other important information about how your mortgage works - April 2017 What s inside Keeping you informed 3 Cashback 3 Application and valuation fees 3 Application fees
More informationPolicy date October 2015 Document version Version 3 National Operations Manager Review date October 2018
Policy Document Debt Management Policy section: 1.0 Policy: 1.2.7 Section name: Establishing and Maintaining Tenancies Document name Debt Management Applicability Mission Australia Housing Authorisation
More informationCustomer Information Booklet Mortgages
Customer Information Booklet Mortgages Please remember you are recommended to seek interdependent or other professional advice before entering into this agreement with Masthaven Bank Limited which will
More informationLIFE INSURANCE CODE OF PRACTICE SECOND CONSULTATION DRAFT 10/08/16
LIFE INSURANCE CODE OF PRACTICE SECOND CONSULTATION DRAFT 10/08/16 Table of Contents 1 Introduction and objectives... 2 2 Scope of the Code... 2 3 Policy design and disclosure... 5 4 Sales practices and
More informationSouthern California Edison Revised Cal. PUC Sheet No E Rosemead, California (U 338-E) Cancelling Revised Cal. PUC Sheet No.
Southern California Edison Revised Cal. PUC Sheet No. 56589-E Rosemead, California (U 338-E) Cancelling Revised Cal. PUC Sheet No. 55680-E Rule 11 Sheet 1 A. Past Due Bills or Summary Bills. When bills
More informationIrish Water Non-Domestic Customer Handbook
An Coimisiún um Rialáil Fóntas Commission for Regulation of Utilities Irish Water Non-Domestic Customer Handbook 14 November 2017 Reference: CRU/17/318 Date Published: 14/11/2017 0 Table of Contents Table
More informationCode of practice for recovering domestic water debt
Code of practice for recovering domestic water debt Contents 2 What to do if you can t pay your bill 3 How we can help 5 How to pay 7 What if you don t pay the bill or don t keep to an agreement? 9 What
More informationTenancy Policy. The Tenancy Standard sets out the following required outcome for all Registered providers:
Appendix A 1. Introduction and Aims Tenancy Policy The Trust is required by The Homes and Communities Agency, under the Tenancy Standard,to publish a Tenancy policy which sets out clearly to our customers
More informationCorporate Policy and Strategy Committee
Minutes Corporate Policy and Strategy Committee 10.00 am, Tuesday, 16 April 2013 Present Councillors Burns (Convener), Cardownie (Vice-Convener), Burgess, Chapman, Child, Nick Cook, Godzik, Ricky Henderson,
More information