Please Note: This Article is 8 years old. This increases the likelihood that some or all of it's content is now outdated.

It’s that time of year again – often the holidays mean landlords are subsidising the festivities for tenants who are late with the rent.

Christmas came early for many landlords in November as research by financial charity the Debt Advisory Centre revealed one in six tenants were so broke they had to pay their rent by credit card.

Another 1 in 12 are also in arrears on their mortgage and rent.

Nevertheless, says the charity, many will carry on borrowing or dodging their bills to spend on Christmas and New Year celebrations.

Those aged between 18 and 24 are most likely to resort to borrowing to pay housing costs, says the study.

A third confessed they had already done so to avoid missing a mortgage or rent payment.

Of these –

  • Two-thirds were one month in arrears
  • 20% were between two and three months behind with their mortgage or rent
  • 14% were in serious arrears of more than three months

Debt charity spokesman Ian Williams said: “Housing is a key priority, so it is worrying to find so many people had to borrow money in October to make their November payment. It is certainly a sign that their finances are in crisis and that they need to take action immediately to avoid further deterioration.

“In many cases, people have enough coming in to make their payment but have prioritised other bills – such as credit card or loan repayments. In this case it is important to remember that housing costs should be paid before any unsecured creditors.

“If you are tempted to borrow to cover food, housing costs or utilities, you should seek money advice first. An advisor can help you re-prioritise your budget and help negotiate with lenders on your behalf.”

Find out more about the Debt Advisory Centre online

Please Note: This Article is 8 years old. This increases the likelihood that some or all of it's content is now outdated.


  1. Speaking of Christmas bills and landlords waiting for the rent, are any of you landlords willing to talk with me for a book I am writing?

    It is going to be down-to-earth and simple. I will change your name and the book will not have any details that could make you identifiable. I want to make the topics of rent arrears and eviction more accessible for everyone. I also want to show that rent arrears and eviction can be very hard on landlords too, not just on tenants. Are you willing to have a chat with me? We can do this on Skype, if you want.

    I want to talk with:

    – Landlords who are currently evicting tenants;
    – Landlords who have evicted tenants;
    – Landlords who considered evicting tenants but found a way to work with their tenants so that they didn’t have to evict them;
    – Tenants who got into rent arrears but solved the situation and worked with their landlord;
    – Tenants who were evicted and got back onto their feet because the council rehoused them or who were homeless for a little while but managed to get off the street;
    – Tenants who were evicted and later found out that they could have avoided eviction if they had known then what they know now;
    – You. Because you are reading this.

    I will let you read what I wrote about you before I publish it, and if you decide you don’t want your story published after all, all you have to do is tell me. I may not publish everyone’s story.

    You can contact me on 075 1826 1184 or at the ID angelina.souren on Skype.

    Thanks for reading.


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