Is Covid-19 affecting your finances?
Covid-19 is having a major impact on all our lives. The most important thing to do if you or a family member is ill is to look after your health. If your worried about the impact on your finances, get help from Pound Advice. L&Q is not running a “rent holiday” so you need to continue to pay your rent at this time. If you are ill you can get an estimate of any benefits you may be able to get here, but remember Pound Advice will help you find the right benefits at the correct rate.
If you have been furloughed it means you don’t have to attend work, though you are still on your employers’ payroll and you may have to go back to work when the furlough period ends. You should be paid during furlough because the government is supporting employers by paying 80% of your pay during the time you are furloughed. However, your pay may be reduced. Furlough is expected to last until at least the end of October.
If you have been furloughed and are struggling financially contact Pound Advice for help and support.
Bailiff visits have now resumed. But there are special arrangements they have to follow because of Covid-19. They should send you a letter before the visit to check if you are more vulnerable because of coronavirus, and if they do visit, they should follow the guidance on social distancing. If they are collecting debt for: The council, Court fines you owe and Child maintenance.
If they are collecting debt for the council, court fines you own and child maintenance there are special rules they must follow. If they are collecting for one of these debts they should give you 30 days’ notice before they visit. They should not take property from your home. They should only talk to you, collect money or give you documents.
Being visited by bailiffs can be stressful but you have rights and you shouldn’t be bullied. They are only allowed to try to come into your home between 6am and 9pm. Don’t let a bailiff into your home – it’s always best to try to sort out your debt by keeping them outside and speaking through the door or over the phone. Make sure your doors are locked and your windows are closed – bailiffs are allowed to come in through unlocked doors. If you have a porch with a lockable door you should lock this too. Depending on the kind of debt you owe, the bailiff will sometimes have the right to force entry by asking a locksmith to open your door if you won’t let them in. It’s very unlikely they’ll do this – you should still have the chance to pay without them coming in.
Call 999 if you’re being physically threatened by a bailiff – don’t let them into your home.