Rent arrears are rent that has fallen due but remains unpaid. Before responding to a missed payment, check the records so that a banking or allocation error is not mistaken for a debt.
Reconcile the balance
Compare the payment schedule, bank receipts and any agent statement. Prepare a clear account showing dates, amounts due and payments received. Separate disputed charges from rent and correct errors promptly.
Open a factual conversation
Explain the balance you have recorded and invite the tenant to identify any discrepancy. Keep the discussion respectful and avoid assumptions about why payment was missed. MoneyHelper encourages people who are struggling with rent to speak to their landlord and seek free debt advice when needed.
Document a realistic proposal
If a payment arrangement is discussed, record the amounts, dates and review point clearly. Give the tenant the opportunity to seek independent advice. Do not present an unaffordable plan as a solution or assume that an informal arrangement settles every legal issue.
Get advice before enforcement
The correct process depends on the tenancy and jurisdiction. Obtain qualified advice before issuing notices or taking legal action, and do not use threats, lock changes or removal of belongings as a collection method. This article covers record-keeping and communication; it is not a possession or debt-enforcement procedure.
Editorial review: 14 October 2026. This original Property Perpetuity guide replaces the imported text; the original archive publication date is retained.