The following flowchart explains the steps we need to take in order to settle arrears on a Leaseholders Service Charge Account.
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Service Charge Demand Sent. Leaseholder has 28 days to pay in full or set up Standing Order.
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Has Leaseholder paid in full or made monthly payment within 28 days?
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NO
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Send Reminder Letter (Letter 1) – Leaseholder has 21 days to pay in full or arrange Payment Plan.
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Has Leaseholder paid in full or made monthly payment within 21 days?
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NO
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Send Letter 2 (£42.00 Charge). Leaseholder has 14 days to pay in full or arrange Payment Plan.
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Has Leaseholder paid in full or made monthly payment within 14 days?
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NO
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Send Letter 3, with document enclosed for leaseholder to give authority for us to contact their mortgage lender for payment of Arrears. (£42.00 Charge).
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Has Leaseholder paid in full, made monthly payment or completed authorization form?
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NO
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Land Registry search to be carried out (£30.00 Charge) to obtain Mortgage Lender details.
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If AuthorizationForm has been completed, write to Mortgage Lender with completed form by Leaseholder, requesting they settle the arrears (£114.00 Charge)
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NO
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If no, write to Mortgage Lender requesting they settle the arrears on leaseholders behalf (£354.00 Charge).
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Has mortgage Lender settled on behalf of Leaseholder?
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NO
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If no, Section 146 Notice will be required. Section 146 Request to be handed to PDC or administered by Sapphire.
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Debt Collection Process
