If you are in mortgage or rent arrears and your landlord or lender is considering, or has begun, action to repossess your home, it is important to take action. Mortgage lenders have to follow specific rules before they can take legal action or repossess your home. Contact our housing options team as soon as possible. They can give you advice and refer you to specialist advisors if relevant.
Rent arrears
Your tenancy may be at risk if you fall into arrears with your rent.
If you are struggling to pay your rent or would like advice on different ways to pay it, contact us .
Benefits
You may be eligible for Housing Benefit, council tax reduction or Universal Credit to assist in paying your rent, or another benefit which would increase your household income.
You can apply for Universal Credit on the Government website. Your application may take up to six weeks to process, so you need to make a claim as soon as possible and keep our housing rents team up to date with the progress of your claim.
The amount of benefit you may receive will depend on:
- the amount of rent or council tax you are expected to pay
- your income and any savings or investments you have
- the number, ages, income and circumstances of people in your family or other people living in your home
You are not entitled to Housing Benefit if you have more than £16,000 in capital or savings, unless you are receiving Guarantee Pension Credit.
Contact us if you have a change in your circumstances, want to enquire about a claim or ask for a trial assessment to see if you may qualify for benefit.
Help and advice
The organisations below offer help and advice on a wide range of issues you may be struggling with.
Our housing options team
Selby Advice
Selby Advice is a network of voluntary and community sector organisations that provides help and information, such as advice about debt, money and mental health, all in one place.
North Yorkshire Horizons
We commission North Yorkshire Horizons to provide specialist drug and alcohol services.
Stay Well
Stay Well is a support service for people with mental health issues living in the Selby locality, who need housing related support to maximise and sustain their independence in the community, and achieve their rehabilitation and recovery goals.
You can find out more on the Stay Well page of the Horton Housing website.
Independent Domestic Abuse Services (IDAS)
IDAS is the largest specialist charity in the north of England that supports people affected by domestic abuse and sexual violence, or who find themselves in an unhealthy relationship.
You can find out more in the Independent Domestic Abuse Services website.
Salvation Army
Salvation Army is a worldwide Christian church and charity that extends a helping hand to those who are homeless, friendless and are in need of support.