Rent arrears management practices in the housing association sector

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130 10. How are rent arrears management policies and practices being affected by (or likely to be impacted by) the current recession? 11. What recent changes have been evident in the effectiveness of Housing Benefit administration? 12. When housing associations speak of “giving higher priority to personal contact with tenants in arrears” what does this mean in practice? Exactly how have your own organisation’s practices and procedures recently changed here? Use of courts 13. Who makes the decision about when to issue an NSP? Is there an organisation policy? If so, to what extent are local managers or staff entitled to deviate from it? 14. To what extent does your organisation seek to engage with tenants before issuing an NSP? 15. How has your organisation’s use of legal action changed over the last three years? Issuing more Notices? Taking more tenants to court? 16. If the incidence of legal action has changed, what is the explanation for this? 17. How has your association’s interaction/relationship with the local court changed over the past few years (if at all)? 18. What factor or factors explain any changes?
19. What has been your recent experience of court hearings on arrears repossession cases? Has there been any noticeable change in the typical attitude or approach of District Judges (eg recognising the stipulations of the Pre-Action Protocol) 20. What is your association’s policy on the use of Ground 8? Why? Prompt: symbolic value; better rent management; housing benefit issues; human rights, necessary to satisfy lenders, should be used with more discrimination . 21. What factor/s influence your decision whether or not to proceed on Ground 8? Prompt: level of rent arrears (how much?); symbolic value; better rent management; housing benefit issues; DJ view; human rights; Board view on its use . 22. In what circumstances is it not appropriate to use Ground 8? – eg in terms of the type of tenancy, the vulnerability of the tenant, the tenant’s Housing Benefit status . 23. How problematic would it be for your association to manage without using Ground 8? What would be the consequences? Rent arrears management practices in the housing association sector 131
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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
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5.2 Organisation of rent arrears ma
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Table 5.2 - Primary structure of ar
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Table 5.3 - Recent changes in organ
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Table 5.6 - Staff training provisio
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Within the transfer landlord cohort
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• Where arrears were accrued befo
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Table 5.9 - Estimated percentage of
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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 and 116: ule it would not be used where HB w
Page 117 and 118: Table A1.1 - Evicted households by
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: Annex 4 Case study topic guides HA
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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Rent arrears management practices in the housing association sector

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