Debt and money
What do you need help with?
Landlords generally have to follow a certain procedure in order to evict you. Your rights will depend on the type of tenancy you have, which you can check using Shelter’s tenancy rights checker.
Citizens Advice have a guide to eviction for rent arrears. In most cases you don’t have to leave your home before your landlord gets a court order. This means you may have time to resolve the issue, even if it’s already gone to court.
If court proceedings have started you may be able to get free advice from a solicitor. This will depend on whether you’re eligible for legal aid. You can check your entitlement to legal aid online or by calling Civil Legal Advice, who can also advise you about your situation.
If you can’t get legal aid or afford a solicitor you should still attend any court hearing about your eviction. If you explain to the judge why you’re in arrears they may decide that it isn’t appropriate to evict you. You may also be able to get legal advice from a duty solicitor on the day of the hearing – arrive early and speak to a court clerk about this.
When bailiffs (also called ‘enforcement agents’) visit you have rights and they shouldn’t bully you.
Citizens Advice have a guide to stopping bailiffs at your door, which includes information about when they can enter your home without permission.
If you’re vulnerable bailiffs also have to treat you with more care, so you should let them know this as soon as you can.
You should take advice if you need help with your debts, but in addition to this you can also complain to an ombudsman if a bailiff breaks the rules of treats you badly.
You can use the Turn2us or Entitledto benefit calculator to check that you’re receiving the right benefits. If you’re thinking about claiming Universal Credit our Help to Claim service can advise you about whether this will increase your income.
You may need advice about a debt management plan if you’re having difficulty keeping up with your existing repayments.
Information and self-help resources
Organisations that can help
Free, confidential advice for people who qualify for legal aid. Civil Legal Advice provide free interpretation for people who don’t speak English and can book a BSL interpreter if you’re deaf or hard of hearing.
Still need help?
Find out how to contact us if you haven’t been able to resolve your problem using the information above.
Please bear in mind that we are a local charity and demand for our services is high. You may have to wait to speak to one of our team and we can’t offer everyone an appointment with an adviser.