If you choose to pay your rent by monthly direct debit we will always calculate your monthly payments so that your rent account is clear with no debts or credits on it by the end of the financial year (end of March).


To work out the amount you need to pay we will find out two key things:


1) how many payments you will make by direct debit before the end of the financial year.  

For example, if you start paying by direct debit in April then you will make 12 payments that financial year, if you start paying by direct debit in December then you will make 4 payments in that financial year.


2) your net weekly rent amount.  This is your total rent minus any housing benefit we receive on your behalf.  

For example, if your total rent is £95.00 per week and we receive £45.00 per week from housing benefit on your behalf then your net weekly rent amount would be £95.00-£45.00 = £50.00 per week.  

If you are not eligible for housing benefit or it is not paid directly to us then your net weekly rent amount in this example would be £95.00.


Once we know these two things we will then complete the following calculation to work out your direct debit amount:


(net weekly rent amount) multiplied by (number of weeks left in the financial year) divided by (number of payments you will make by direct debit before the end of the financial year)


For example: 

If you select to pay by direct debit at the start of the financial year and your net weekly rent amount is £95.00 you would pay:

(£95.00) multiplied by (52 weeks) divided by (12 monthly payments) = (95x52)/12 = £411.67 per month


If you select to pay by direct debit at the start of October and your net weekly rent amount is £95.00 you would pay:

(£95.00) multiplied by (26 weeks left in the financial year) divided by (6 monthly payments made in the financial year) = (95x26)/6 = £411.67 per month



If there are any arrears or debts owed on your account we will take these into account when working out your direct debit payment.  


We will always calculate your payments so that your account is clear with no debts or credits on it by the end of the financial year (end of March).


For example:

Your net weekly rent amount is £95.00, you are choosing to pay by direct debit from October meaning that there is 26 weeks and 6 monthly payments left in the financial year, and your account is currently £300.00 in arrears.  We will calculate your direct debit as follows:


(net weekly rent amount) multiplied by (number of weeks left in the financial year) plus (any outstanding arrear on your rent account) divided by (number of payments you will make by direct debit before the end of the financial year)


In this case your monthly payments would be:

(£95.00) multiplied by (26 weeks left in the financial year) plus (£300.00 arrear on rent account) divided by (6 monthly payments made in the financial year) = ((95x26)+(300))/6 = £461.67 per month