Debt help and advice
If you get behind with your rent payments you need to contact us as soon as possible. If you do this we can offer you early help and advice that can prevent you being taken to court.
Have problems making ends meet?Most people borrow money from time to time, but the less income you have the more difficult it is to repay it. If you are juggling several debts you could choose to pay the most immediate debt without thinking about the consequences of not paying other more important debts.
Priority and non priority debtsYou may hear rent and service charges described as a ‘priority debt’. This is because, if you do not pay, you will end up losing your home. Credit card companies, banks and other lenders can only get County Court Judgements against you. We can do this and also take your home!
What to do if you are falling behind with your rent or service charges
- discuss whether you are entitled to benefits
- help you with claims
- refer you to a money advisor if you think that might help
- discuss the best way for you to pay your rent or service charge
- make an agreement for you to pay the arrears in instalments
If you are receiving care and support from adult social care, you could also talk to your social worker. The charity Penrose offers housing related support to vulnerable adults if you need some help with any of the following:
- understanding the information regarding your arrears
- how to pay your rent
- if you would like to speak to someone independent
You can get in touch with them on 01582 343230 or via [email protected].
Legal action for rent arrears
Legal action for service charge arrearsIf you do not pay your service charge we can take action against you and if you still do not pay us we can apply for a Forfeiture Order to repossess your home.
Other agencies that can help if you’re in debt
Luton Citizen’s Advice Bureau
24-26 King Street, Luton, LU1 2DP
Tel: 0844 245 1285
StepChange Debt Charity
Tel: 0800 138 111
Tel: 0808 808 4000
Tel: 0808 802 2000
Consumer Affairs - pay day loans advice
Tel: 020 3734 9464
Claiming welfare benefits
Department of Work and Pensions for claiming Income Support, pension credits, incapacity benefits.
Cheviot House, Guildford St, Luton.
Tel: 0845 606 0265
Tax Credit helplines for claiming working or child tax credit
Tel: 0845 300 3900
Job Centre plus for claiming Job Seekers Allowance
Cheviot House, Guildford St, Luton
Tel: 0845 60 60 234
LBC housing and council tax benefits
Town Hall, Luton. LU1 2BQ
Tel: 0300 790 0340
Luton Law Centre for advice on your legal rights
Cresta House, Alma St, Luton
Tel: 01582 48 10 00
Luton County Court for advice on your legal rights
Cresta House, Alma St, Luton.
Tel: 0844 892 0550
Housing Solutions Team for advice if you are threatened with homelessness
Town Hall, Luton
Tel: 01582 54 66 30
Luton Borough Council, Town Hall, Luton, LU1 2BQ
Tel: 01582 546620