LL trying to raise rent again

LightFlare

Oneplanetonelife said:

saajan_12 said:

RHemmings said:

FlorayG said:

Putting it aside 'in case' is pretty much 'paying it' in real terms especially as the tribunal will find in favour of the LL if the rent is still reasonable. What I meant was, the increased rent will still be payable back to the date the LL set. Once the new RR Law is in effect, this will change, the increased rent will only have to be paid from the date of the decision which means that pretty much EVERY tenant is going to go to tribunal on receipt of a S13. The idiot government haven't thought this through at all ( and that, OP, is why your LL is putting up the rent NOW)

Putting it aside has a lot of advantages over paying it. As if the tribunal decides a rent increase less than the asked for increase, the tenant doesn't have to then recover the money from the landlord. 

For the other discussion in the paragraph: I pass because I'm trying to avoid debating house prices and the economy. 

I don't think there's an actual suggestion it would be better to pay if they didn't have to pending a decision. Just that a lot of the disadvantages of paying the new rent remain for someone who can't afford the new rent. The biggest disadvantage is that money isn't available for other bills, so if that means that credit reports are affected or food is a struggle etc then that's a problem. OP would have to move out to somewhere more affordable. 

Yes we haven’t been paying council tax or utilities for a while now. Credit cards all maxed out we will have to default on loans too.

speaking to debt charities the only consultation is there are so many in the same boat now

Are you meant to be or is it included with the rent ?

If it’s you that is liable, you need to get that sorted asap in whatever way you can.
Council Tax is a priority debt and the consequences of defaulting can be severe

Emmia

Oneplanetonelife said:

saajan_12 said:

RHemmings said:

FlorayG said:

Putting it aside 'in case' is pretty much 'paying it' in real terms especially as the tribunal will find in favour of the LL if the rent is still reasonable. What I meant was, the increased rent will still be payable back to the date the LL set. Once the new RR Law is in effect, this will change, the increased rent will only have to be paid from the date of the decision which means that pretty much EVERY tenant is going to go to tribunal on receipt of a S13. The idiot government haven't thought this through at all ( and that, OP, is why your LL is putting up the rent NOW)

Putting it aside has a lot of advantages over paying it. As if the tribunal decides a rent increase less than the asked for increase, the tenant doesn't have to then recover the money from the landlord. 

For the other discussion in the paragraph: I pass because I'm trying to avoid debating house prices and the economy. 

I don't think there's an actual suggestion it would be better to pay if they didn't have to pending a decision. Just that a lot of the disadvantages of paying the new rent remain for someone who can't afford the new rent. The biggest disadvantage is that money isn't available for other bills, so if that means that credit reports are affected or food is a struggle etc then that's a problem. OP would have to move out to somewhere more affordable. 

Yes we haven’t been paying council tax or utilities for a while now. Credit cards all maxed out we will have to default on loans too.

speaking to debt charities the only consultation is there are so many in the same boat now

I'm sorry to say this, but the reality is you need to move to somewhere cheaper as a matter of urgency. Forget tribunals etc. you can't afford where you're living at a fairly fundamental level even with state support.

pinkshoes

Oneplanetonelife said:

Yes we haven’t been paying council tax or utilities for a while now. Credit cards all maxed out we will have to default on loans too.

speaking to debt charities the only consultation is there are so many in the same boat now

You MUST pay your council tax as they will take legal action. Prioritise this over rent.

Clearly your priority other than paying CT is finding a cheaper property as you cannot afford to sustain this lifestyle.

Worst case scenario is your LL issues an S8 over unpaid rent and you get evicted. Your local authority will then have to house you, although this is likely to be temporary accommodation and not necessarily in your area.

Oneplanetonelife

Interesting some are saying to prioritise council tax over rent?

debt charities say rent is priority 

LightFlare

Oneplanetonelife said:

Interesting some are saying to prioritise council tax over rent?

debt charities say rent is priority 

one may result in a prison term - the other wont.

council tax is one of the few debts that is very difficult to write off (if not impossible)

caprikid1

Sounds like you should stop paying, your loans , cards etc.

Might be worthwhile doing and SOA and providing more details regards to your location and your housing needs. The problem you have is not a landlord issue it's an income issue if your current housing is the minimal for your needs and you cannot change areas.

Martico

Oneplanetonelife said:

Interesting some are saying to prioritise council tax over rent?

debt charities say rent is priority 

They both are, as confirmed by this debt  charity:
https://www.stepchange.org/debt-info/dealing-with-debt-problems/what-debts-to-pay-first.aspx#:~:text=Common priority debts include:,Your rent or mortgage

Tucosalamanca

I can't imagine that the current housing is minimal to their needs.

Very few places in the UK where £2,400pcm (or even £2,200) won't rent a well above average property.

Looking locally (one of the highest cost rental areas outside of London), £2,200 would comfortably rent an above average family home. 

Time to move to somewhere more affordable?

Grumpy_chap

The OP appears to have gone from a financially comfortable position (deposit for a Cybertruck) to a financially stressed position (challenge to pay the rent, albeit >£2k per month).

It would seem sensible if the OP were to set out what changes occurred between these two sets of circumstances (it seems to be more than simply prices going up), whether any of those changes are reversible (change of employment or such like) and then working out their budgets.

It may be worth the OP preparing a budget for "now" (the current situation) and a budget for "aspiration" (change of job or whatever to reverse the changes that have occurred).  These two budgets can then form the basis of a plan for both managing financially and the steps to change from "now" circumstances to "aspiration" circumstances.

For a budget tool, the OP may find that the SoA (Statement of Affairs) format used in the DfW (Debt-free Wannabbee) area of the forum is useful.  (Many people seem to recommend the Lemonfool template.)  Once the budgets have been prepared, the OP may be able to set out their own plan, or can seek suggestions and advice by sharing in the DfW boards.

Oneplanetonelife

LightFlare said:

Oneplanetonelife said:

Interesting some are saying to prioritise council tax over rent?

debt charities say rent is priority 

one may result in a prison term - the other wont.

council tax is one of the few debts that is very difficult to write off (if not impossible)

Coat of living crisis today actually a lot of council tax is getting written off. If there is no hope of the poor people being able to pay areas then they stop chasing them