Rent arrears management practices in the housing association sector

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Annex 1 Recent eviction cases: case file review analysis Methodology Each of the six case study HAs was asked to collect and submit brief statistical information in relation to a cohort of recent eviction cases . As regards sample selection, case study contacts were requested to include the most recent ten cases involving properties repossessed under Ground 8, along with a similar number of evictions secured under Grounds 10 or 11 . Referring to the relevant case files, case study landlord staff completed pro-formas, which were sent to the research team for data entry and analysis (a blank pro-forma is included at Annex 5) . In all, 105 completed pro-formas were received for inclusion in the analysis, with these being split almost evenly between Ground 8 cases (52) and Ground 10/11 cases (53) . Because one case study landlord had not made any recent use of Ground 8, its pro-formas all related to Ground 10/11 cases . Other than this, the samples of both types of case were distributed fairly evenly across the case study landlords . 114 Demographic and economic characteristics Single adults accounted for almost two thirds of all cases in the sample (see Table A1 .1) . Although age data was not collected, it seems likely that the vast majority of these persons will have been people of working age because, in general, retired people are not subject to the changes in employment and family circumstances which are often the cause of rent arrears . Cases taken on Ground 8 were somewhat more likely to be single people or childless couples and less likely to be families . Just over half of the cases included in the analysis involved households where one or more family members were in employment (see Table A1 .2) . This should be seen within the context of a sectorwide figure from the Survey of English Housing 2007 showing that only 38% of all households in the social rented sector contained persons in work . The employment rates for the two sub-groups of evicted households included in our study (Ground 8 vs . Ground 10/11) were similar .
Table A1.1 – Evicted households by household type Ground 8 Ground 10/11 All Single adult 71% 58% 65% Single adult with children 12% 23% 17% Childless couple 6% 4% 5% Couple with children 10% 15% 12% Other 2% 0% 1% Total 100% 100% 100% N= 52 53 105 Table A1.2 – Evicted households by economic status (at point of eviction) Household contains… Ground 8 Ground 10/11 All 1 or more family members in f/t work 52% 45% 49% Part-time worker(s) only 4% 6% 5% No-one in employment 44% 45% 45% Not known 0% 4% 2% Total 100% 100% 100% N= 52 53 105 Rent arrears management practices in the housing association sector 115
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Rent arrears management practices i
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Contents Executive summary . . . .
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Executive summary Introduction This
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Key underlying factors were said to
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could, in part, reflect the growing
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overpayments and suspensions were p
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Chapter 1 Introduction 1.1 Backgrou
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arrears management and related aspe
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“… there may occasionally be ci
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under Article 8 of the Convention,
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y HAs . 37 The Circular informed as
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Pre-action protocol for possession
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The purpose of these interviews was
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Table 1.1 - Case Study HAs Organisa
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Chapter 2 Rent arrears management p
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Pawson et al’s study found that 9
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2.3 Rent arrears management practic
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this with any certainty . 69 Howeve
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authority can also lead to a lack o
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2.5 The use of Ground 8 Although th
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In the Hunter et al study, 97 which
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some comment on the effect of the P
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• Ground 8 provided certainty to
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There was a difference of opinion a
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3.3 The use of Ground 8 Whereas ans
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do so early enough, or at all . Cla
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Chapter 4 Rent collection and arrea
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4.3 Housing Benefit service perform
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Table 4.3 - Housing association evi
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As shown in Figure 4 .1, CORE data
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were collected for landlords with l
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Most associations report initiating
Page 65 and 66: 5.2 Organisation of rent arrears ma
Page 67 and 68: Table 5.2 - Primary structure of ar
Page 69 and 70: Table 5.3 - Recent changes in organ
Page 71 and 72: Table 5.6 - Staff training provisio
Page 73 and 74: Within the transfer landlord cohort
Page 75 and 76: • Where arrears were accrued befo
Page 77 and 78: Table 5.9 - Estimated percentage of
Page 79 and 80: elatively high response rate achiev
Page 81 and 82: The survey sought to collect statis
Page 83 and 84: Ground 8 actions typically accounte
Page 85 and 86: How is the scale of Ground 8 use ch
Page 87 and 88: already routinely exercising the ac
Page 89 and 90: Chapter 6 Case study evidence Chapt
Page 91 and 92: Annex 2 outlines our method, includ
Page 93 and 94: a couple of weeks to three months)
Page 95 and 96: to officers and policies . Officers
Page 97 and 98: RM put it, “caused uproar from te
Page 99 and 100: preferred form of the organisation
Page 101 and 102: tenant contacts are now recorded on
Page 103 and 104: as a result, would make an order un
Page 105 and 106: use - in these cases, it is viewed
Page 107 and 108: g) The tenant perspective In each c
Page 109 and 110: Ground 8 was generally to scrutinis
Page 111 and 112: Ground 8 was said to be used as a
Page 113 and 114: The key stakeholders regarded the P
Page 115: ule it would not be used where HB w
Page 119 and 120: uncontactable as a result) . Where
Page 121 and 122: Just under half of all cases in the
Page 123 and 124: Annex 2 Case study HA selection Our
Page 125 and 126: Annex 3 Profile of case study housi
Page 127 and 128: However, after a review across its
Page 129 and 130: as developing joint working with th
Page 131 and 132: Annex 4 Case study topic guides HA
Page 133 and 134: 19. What has been your recent exper
Page 135 and 136: 12. How are your tenants helped wit
Page 137 and 138: 9. If RSLs rely on Ground 8, what i
Page 139 and 140: 4 Tenant employment circumstances (
Page 141 and 142: 10 Value (£) of arrears at defined
Page 143 and 144: Our offices Maple House 149 Tottenh
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