Council house rent payment
Direct Debits - questions and answers
What is a Direct Debit?
A Direct Debit is a method of payment that allows a single monthly payment to be made to your rent account on a specific date chosen by you.
The council recommends this as the easiest and most convenient way to pay your rent.
What is the difference between Direct Debit and Standing Order payments?
A Direct Debit is a method of payment that allows any changes to the amount due to be automatically updated by us and there is no need for you to contact your bank directly.
Whereas a Standing Order allows you to instruct your bank to pay us a certain amount per week. fortnight or month. You control how much your bank pays us. If your rent or garage rent changes it is your responsibility to tell your bank to vary the Standing Order.
What is the Direct Debit Guarantee?
This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
If there are any changes to the amount, date or frequency of your Direct Debit, we will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request us to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by either us, your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
If you receive a refund you are not entitled to, you must pay it back when the coucil asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.
Do I have to pay my rent by Direct Debit?
No. Details of all the methods of payment that can be used to pay you rent are in the Ways to Pay leaflet.
Download our ways to pay leaflet
Do I still get my 4 Free Rent Weeks?
Yes. The rent payments for Direct Debit are worked out to a 48 week schedule and not 52 which takes into account the 4 free rent weeks.
How do I apply to set up Direct Debit payments for my rent account?
Simply telephone on 01604 837104 and please have your bank account details with you when you call.
Alternatively you can complete a Direct Debit Mandate form which you can get by calling into the One Stop Shop at the Guildhall and one can be sent to you. Or download the DD mandate form here.
If you have any questions please phone us or e-mail us at firstname.lastname@example.org
What date can I choose to make my Direct Debit payment?
We currently offer the 1st, 11th, 20th or 28th of the month for Direct Debit payment. You select your chosen date by putting a tick in the relevant box on the mandate.
How is my Direct Debit payment worked out?
The rent amount due is multiplied by the number of weeks left in the 48 week schedule and the total is then divided by the number of monthly payments left out of 12 to give the monthly payment due.
For a garage without VAT the monthly payment would be £28.24
For a garage with VAT payable the monthly rent would be £33.20
If your weekly rent is £84.83 the monthly payment would be £339.32
Can I change my payment date?
Yes. You can change your payment date by calling us direct on 01604 837104 or by completing a new mandate and sending it to us.We have to allow a minimum of 10 working days to inform you of any changes made to your Direct Debit payments.
Can I pay by Direct Debit if I am in receipt of part Housing Benefit?
Yes. Housing Benefit will pay their amount due for your rent directly to your rent account and a Direct Debit can be set up to collect the additional amount.
If I am on full Housing Benefit but have existing arrears to pay off, can I have a Direct Debit payment set up?
Yes. If you are on full Housing Benefit you will be able to make an arrangement with your Rent Income Officer for an agreed amount to repay each month.
Can I use the credit on my rent account to reduce my payments?
Yes. If you have a credit balance on your account. Just let us know and we will recalculate your monthly payments and advise you of the revised amount by letter.
Can I claim a refund on my rent account if I pay by Direct Debit?
Yes. If a credit balance is on your account you may request a refund by completing the form or writing in to us.
If the credit has previously been used to reduce your monthly payments the payments due will be recalculated and may increase.
page updated 03/06/2010