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Rent arrears 2 min read 04 Sep 2026

What to Do If You Cannot Pay Rent or You Are in Rent Arrears

A practical guide for tenants who are struggling to pay rent, including arrears, evidence, landlord communication, and getting help early.

Act early if rent is becoming difficult

Rent arrears are one of the most stressful housing problems. GOV.UK says you are in rent arrears if you miss rent payments or pay late. Rent arrears can put your home at risk, so it is important to act before the problem grows.

Do not wait until you have missed several payments. Contact your landlord or agent as soon as you know there may be a problem.

Work out the numbers

Write down the rent due, what you have paid, what is outstanding, when you can pay next, and what changed in your circumstances. Keep bank records, benefit letters, payslips, and any messages about payment.

This helps you explain the situation clearly and avoid confusion about the amount owed.

Speak to the landlord or agent

Ask whether a payment plan is possible. Be realistic. A promise you cannot keep may make the situation worse. Put any agreement in writing and keep a copy.

If you are dealing with an agent, ask who will update the landlord and when.

Get help with housing costs

Depending on your situation, you may be able to get help through Universal Credit housing costs, Housing Benefit, Council Tax Reduction, a discretionary housing payment, or local council support. Check GOV.UK and speak to your local council or an advice organisation.

If you are at risk of losing your home, contact your council early.

Do not ignore notices

If you receive a rent arrears notice or eviction notice, get advice quickly. The rules and notice periods depend on your tenancy and situation.

DoorHop helps by keeping rent-related communication and tenancy records easier to find, which is useful when everyone needs a clear timeline.