hardship claim advise / rent

tomtita1

hi all ,, i received a letter back from natwest regarding my financial statement
and i worried about my rent .we live annexed to family and dont have
rent book as such , i know the powers that be will take a grim view
about this as they want to know hows & whens to the £900 rent arrears
we havnt been able to pay rent for 3 months
does any one know how i should approach this ?
this issue alone is causing family disputes but we have to pay back
the arrears but im afraid they wont be very sympathetic to this will
they ????? dont know what do do ?? aany help would be great

thanks

natweststaffmember

Is this for the hardship claim? The bank are gonna need documentary evidence or they cannot assess you as being in hardship.

tomtita1

yes its a hardship case .. i mean would they accept some form of letter from the
landlady ?

natweststaffmember

tomtita1 wrote: »

yes its a hardship case .. i mean would they accept some form of letter from the
landlady ?

Yes if you can add a copy of the tenancy agreement.....

tomtita1

errrrm this isnt getting any better ! lol do i get a tenancy agreement wrote up ?

natweststaffmember

tomtita1 wrote: »

errrrm this isnt getting any better ! lol do i get a tenancy agreement wrote up ?

well, if the landlady doesn't have a tenancy agreement then you cannot have arrears without a legal agreement can you?

tomtita1

so am i right in thinking .. get a agreement made up ,, but would the dates be void prior to this todays date ?

natweststaffmember

tomtita1 wrote: »

so am i right in thinking .. get a agreement made up ,, but would the dates be void prior to this todays date ?

I am not going to advise fraud but I would use a letter from your landlady. If the bank ask for an agreement then they ask for an agreement.

tomtita1

thank ,i will get the landlady to write a letter . fingers crossed !!