My landlord is threatening to evict me because of rent arrears, what should I do. Advice seeking!

kckcn88

I moved to Ireland few months ago and I have a job. However at first I was declined to apply a PPSN because lack of evidence. When I got a job and PPSN letter, I applied it immediately however it is a very log waiting process. Now I am paying emergency tax and , only getting half of my gross wages and my net income is not enough to cover my rent and living expense. I told my situation to my landlord and he said he understand that. Yesterday my landlord threatening to evict me because of rent arrears. We came to an agreement that I pay weekly until I have my PPSN and taxed correctly. My overpaid taxes is more than enough to paid off the rent I owed him. What should I do?

On citizen information they only said I dont need a PPSN when finding a job, and never mention about emergency taxes. Also they stated it only take 1 week to get a PPSN however this is not the case. It is a total misleading.

elperello

Get some cash together and offer landlord a down payment promising the rest by a set date.

Maybe a loan from family.

kckcn88

https://www.boards.ie/discussion/comment/120259586#Comment_120259586

I have told him the arrears will be cleared once I got the tax refund. However he changed his mind yesterday and asked me to clear by the end of the month. Now I am paying 52% emergency taxes because of PPSN issue. I have to wait for the PPSN so I can afford and clear the arrears howver this is a very long process. Now I am paying weekly and down to nothing left by the end of the week.

elperello

The landlord most likely doesn't care about your problem and can re-let quickly to someone who will pay him.

Reach out to someone who does care about you and find the money.

You must understand this is not the landlords problem. He is a business

walterking

Go to an entreo office and get them to speed up the ppsn issue

squidgainz

https://www.boards.ie/discussion/comment/120259671#Comment_120259671

Sounds like it kinda is also the landlords problem.

Mrs OBumble

Contact Threshold.

bucketybuck

https://www.boards.ie/discussion/comment/120260211#Comment_120260211

And they are doing something about it.

OP moved to Ireland without enough savings, this is why many countries make immigrants prove they have means to support themselves for X number of months. Now they are defaulting on rent after only a few months, and they will be extremely lucky if the landlord hasn't already made up their mind to evict.

The reasons no longer matter, the OP needs to acquire funds and pay the rent in full ASAP and then cross their fingers that it is enough.

endofrainbow

Maybe contact Community Welfare Officer ?

squidgainz

https://www.boards.ie/discussion/comment/120260733#Comment_120260733

Didn't say the landlord wasn't starting to do anything about it. But to say it's not the landlords problem is of course incorrect.

It's not the landlords problem to sort out the OPs issues with Revenue. Rent arrears are legitimate grounds to issue a termination notice.

OP, you need to put pressure on Revenue to deal with your PPSN number problem, pay your arrears, and if you're renting less than six months, hope the landlord doesn't evict you anyway.

He won't have any problem letting the space to someone who can pay.

Mrs OBumble

https://www.boards.ie/discussion/comment/120261124#Comment_120261124

Unlikely to assist without habitual residence: they will probably suggest the OP moves home.

Princess Calla

I would find it very odd in today's climate that a landlord would rent to someone who doesn't have minimum of 6 months with an employer, references from previous landlords etc.

When there's queues around the corner the landlord does not need to take someone straight off "the boat" so either the OP is telling tales or landlord is dodgey .

C3PO

When you say “landlord” what do you mean OP? Are you living in his house or separately? Have you a written lease?

Fallout2022

MABS might front you some money if they see your wage and tax documents.

Being that you have a temporary cash flow problem as opposed to an underlying financial deficit.

They are of course heavily subscribed at the moment - the times that are in it.

So your landlord won’t rent you a house on a promise of money? I mean I sympathise but completely understand why.

The bank (if a mortgage is owed) won’t leave the account unpaid either. But also there’s nothing to suggest you have showed the landlord evidence of your claims of 52% tax or indeed that you have the means to pay the rent ongoing and that indeed your tax refund would be enough to pay the arrears. That’s not to mention the ambiguity with the timeframe on getting his money.

Understand that DEASP is under heavy pressure at the minute due to the numbers of refugees etc entering Ireland who will surely want a PPS number also, coupled the cost of living problems meaning more applications across the board. Resources are tight.

namenotavailablE

@kckcn88 Make sure that you have fully followed all of the instructions for getting off emergency tax at this page, particularly the section titled 'What to do if it is your first job':

https://www.revenue.ie/en/jobs-and-pensions/emergency-tax/getting-off-emergency-tax.aspx

mykrodot

https://www.boards.ie/discussion/comment/120262501#Comment_120262501

MABS does not (and never has) fronted money! I work for them. They help put in payment plans for debt and mortgage arrears, hammer out deals with creditors. They also give advice about budgeting. They have no cash facilities and do not front money or hand out cash. Community Welfare Officers are the only ones who have this authority. This is dangerous information to spread, particularly in these times when our streets are full of people who have just arrived in the country and staff in public offices (mostly female) are facing threats and abuse every day from people looking for cash handouts.

https://www.boards.ie/discussion/comment/120264452#Comment_120264452

You might work for MABs but I’m going to stop you right there and tell you that you are dead wrong.

I have personally been to MABs at a time of crisis with an ESB bill when I was very sick at the time. I had been disconnected and there was a €100 deposit required to reconnect & setup a payment plan.

the MABs agent i met with offered ESB €50 right then and there and I would follow up with €50 a few days later. They accepted this and I was reconnected within a day. This €50 came from MABs, I returned it after the bill was sorted because I had it spare and felt I owed it to them.

Im not saying MABs will bail out the OP but they absolutely have facilities to offer some payments clearly. Maybe only some do, but it’s still done.

When was that Graham Sweet Wolverine? Given the numbers involved I'd say it was a long time ago.

I went through the MABS process myself once over 20 years ago, and never was cash assistance an option, even then.

Once upon a time CWO's gave out emergency exceptional needs payments easily too - a stop was put to all that, when the function was transferred from the Health Boards to the Dept of Social Welfare.

ENPs still available but with much tighter controls and limited circumstances.

Is the landlord officially registered or is it a casual cash arrangement? Are you a legally registered tenant? A registered landlord will ordinarily request evidence of being able to pay, and you will have likely have paid a substantial deposit. This smells to me of being a casual arrangement where landlord is a tax evader. If this is the case you can always report to Revenue, but you will certainly be out on your own.

https://www.boards.ie/discussion/comment/120264559#Comment_120264559

2017/2018

https://www.boards.ie/discussion/comment/120264587#Comment_120264587

Report what to revenue?

“hi my landlords not paying tax on the rent I’m not paying him”

https://www.boards.ie/discussion/comment/120264612#Comment_120264612

Seems strange. I wonder did your advisor take it out of their own pocket.

https://www.boards.ie/discussion/comment/120264689#Comment_120264689

Maybe! My guess would be they kept a small amount of money in a bank account specifically for these reasons? As I said, it may not be every branch or every person but it’s more likely to me they have such an account than the advisor did it off their own back.

Who knows though.

YFlyer

Got to laugh at media interns to create a story.

elperello

https://www.boards.ie/discussion/comment/120264797#Comment_120264797

What has media to do with this?

YFlyer

https://www.boards.ie/discussion/comment/120264808#Comment_120264808

It is a made up story.

https://www.boards.ie/discussion/comment/120264808#Comment_120264808

I think Yflyer is implying that the OP is a media intern.

Which seems feasible, actually - considering some of the fishy details that others have pointed out, e.g. the OP has no credit history, no previous references...

But sure who knows?

https://www.boards.ie/discussion/comment/120264876#Comment_120264876

In fairness everyone rents their first house at some stage and I would imagine landlords are aware of this and some will accommodate

https://www.boards.ie/discussion/comment/120264619#Comment_120264619

I think you know what I mean, Graham Sweet Wolverine, more fake landlords reported the better.

https://www.boards.ie/discussion/comment/120264901#Comment_120264901

Letting is a business, a means of income. As a business person one would want to have head examined not to do due diligence on renter’s ability to pay.

OP, how much of a deposit did you pay? One or two months rent in advance?

https://www.boards.ie/discussion/comment/120264876#Comment_120264876

It definitely smells either illegal arrangement or fake posting to me.

Princess Calla

https://www.boards.ie/discussion/comment/120264619#Comment_120264619

Well it might trigger an audit on the landlords tax affairs . Revenue are a tad touchy about non payment of tax.

Now that won't help the OP too much as it will sour the relationship.

However, I'm not buying that this is a legit case.

No landlord is going to rent a sizable asset without doing their due diligence.

OP if you are legit just pay your rent. If the landlord is running a tax avoidance scam I wouldn't put it past them to bag your stuff, it may not be the legal approach but there you go.

https://www.boards.ie/discussion/comment/120264901#Comment_120264901

I don't disagree.

But the OP's story does seem odd, when you think about it.

Princess Calla

https://www.boards.ie/discussion/comment/120264901#Comment_120264901

Doing this without a reference from an employer and without making sure they were permanent staff in a good "pensionable job" would be nothing short of stupid.

https://www.boards.ie/discussion/comment/120264971#Comment_120264971

https://www.boards.ie/discussion/comment/120265088#Comment_120265088

I’m not disputing the story smells of BS, but at the same time to tell me all landlords won’t rent a house without a previous LL reference lest they be tax evaders is BS as well.

My first landlord, first, took us with no reference (a work one was sufficient) as he was fully understanding we never rented a house before. He wasn’t tax evading he was just a sensible individual who understood that two people of 18 & 19 respectively and without a previous rental under their belt couldn’t supply a LL reference.

its the equivalent of employers refusing to hire people without any experience which they can’t get without being hired, but they won’t get hired without experience.. the never ending circle of nonsense. 😅

If the stories true, which I doubt, they presumably provided a work reference or the landlord was willing to take a chance as they were newly resident in Ireland.

https://www.boards.ie/discussion/comment/120265211#Comment_120265211

It’s not stupid at all it’s called living in the real world. In the real world a lot of adults do not have previously letting experience as they may not have moved into their own house yet.

If they were in college living at home for example. My brother is one of those people. He was in college the past 4 years, now has been working about 7 months still living with the folks.

Would a landlord be stupid because they rent him a house in future when he can’t give a LL reference?

i suppose his employer is stupid also since they hired him without a previous employers reference given it was his first job.

https://www.boards.ie/discussion/comment/120265227#Comment_120265227

I mean without evidence of being able to pay… an established job.

https://www.boards.ie/discussion/comment/120265268#Comment_120265268

He has a job though? He just is on Emergency Tax (allegedly). Mind you I find it rather strange he’s being taxed @ 52%. Emergency tax or otherwise.

edit: yea this story is BS. Emergency Tax without a PPSN is 40% PAYE & 8% USC across the board. The OP simply cannot be taxed & 52% it makes no sense.

squidgainz

https://www.boards.ie/discussion/comment/120265277#Comment_120265277

I think if you let emergency tax run it can go to mad figures

https://www.boards.ie/discussion/comment/120265281#Comment_120265281

No it’s capped at 40%. You are prob thinking about when you are taxed @ 20% for 5 weeks then it goes to 40% until you get it sorted out.

elperello

https://www.boards.ie/discussion/comment/120264858#Comment_120264858

But you added your own made up bit about the media.

elperello

https://www.boards.ie/discussion/comment/120264876#Comment_120264876

Who knows indeed.🙂

Princess Calla

https://www.boards.ie/discussion/comment/120265240#Comment_120265240

Firstly an employer can let you go within the first year fairly simply.

It's harder for a landlord to evict a tenant.

So you are not comparing like with like.

I wouldn't rent to a first time renter without at least a year with their employer and confirmation that they'd passed probation. I would also do due diligence on the employer too.

I definitely wouldn't rent to teenagers.

mistress_gi

Isn't PRSI 4%?

I was under the impression emergency tax is the top of everything so 40% income tax, 8% USC and 4% PRSI. that's the 52% right there!

https://www.boards.ie/discussion/comment/120265440#Comment_120265440

I’m glad you weren’t a landlord I had to deal with then.

But what you would or wouldn’t do is irrelevant because you’re not all landlords.

I’m telling you that landlords rent without reference checks when they can’t be obtained if they feel comfortable that the person will not be a problem, you’re telling me what you wouldn’t do, completely separate discussion and of no relevance.

https://www.boards.ie/discussion/comment/120265602#Comment_120265602

PRSI is Whatever% it doesn’t have a set amount it is as it’s name implies related to how much you are earning.

also might be wrong but based on how PRSI is calculated I would guess emergency tax rates are irrelevant (and also there’s no mention about ET & PRSI on revenue only PAYE & USC)

Anyway reference or not emergency tax or not is off topic.

If the stories true, (doubt), the landlord has likely reconsidered and wants his money. Seeing as there doesn’t appear to have been any written record of this arrangement you mention so the LL is free to do as they wish regarding evicting you.

Anyway, even if what you’re saying is true, I’m convinced your full of BS regarding your tax situation.