As soon as you are worried about the risk of losing your home, contact us to arrange an appointment to discuss what you can do and what we can do to help prevent that from happening. The sooner you speak to us, the more chance there is that we can help to prevent you from losing your home.
Here is some advice that we hope you find useful.
You must speak to your landlord or mortgage lender as soon as you can, to discuss making an arrangement for paying the money that is owed. If you are unsure about contacting your landlord or mortgage company, don't put it off, come and ask us to help you.
You should also check whether you are entitled to housing benefits or Local Housing Allowance to help towards the cost of your home. Your local Citizens Advice Bureau will also be able to give you advice about benefits and may also be able to help you make an agreement with your Landlord.
As soon as you have problems with your mortgage, come and talk to us. We can you access to money management, advise you of your legal rights and your best course of action. Find out more ;about how to avoid repossession, and the Government's Mortgage Rescue Scheme.
You can find more advice about how to avoid repossession in the leaflet Are you worried about your mortgage? produced by the National Homelessness Advice Service.
Many people become homeless when a relationship breaks down. Your occupation rights can vary depending on your circumstances, but the following issues are amongst the most important to consider.
If your partner has been violent towards you, you could inform the police or support services for victims of abuse, for example Next Step, 01283 224024
If you aren’t sure what to do, come and talk to us, don’t suffer in silence
If your landlord wants you to leave the property a valid ‘notice’ must be served, ending the tenancy in the correct legal form. If you are a private tenant with a short hold tenancy, generally the landlord cannot ask you to leave at the end of the tenancy term, without having given you two months' notice. If your landlord does not follow the correct procedures for ending the tenancy they are committing an offence under protection from eviction legislation. Check with Citizens Advice Bureau or the Housing Department regarding your rights.
Do not leave your home until you are absolutely must.
If you are about to lose your home it is very important that you stay there for as long as you are entitled to. You should not give up any tenancy, or access to your home, without first discussing it with us, as this may affect your housing options later.
In many cases you do not have to leave your home until you receive a court order telling you to leave on a given you a date.
We ;aim to help you avoid losing your home, but unless we are aware of changes it is difficult for us to do this.
If your homelessness cannot be prevented we will book an appointment with the Homelessness Officer, who will discuss your current situation, legal obligations and your rights giving you relevant advice and assistance.
During this interview, we may complete a homeless declaration and photocopy all relevant documents.
Housing Options Team
South Derbyshire District Council
page ref: LGSL 166
The following documents are in Portable Document Format (PDF). You can download software to view PDF documents for free from the Adobe website (opens in a new window)