Information on Payment

White & Sons will start chasing arrears from 28 days after the due date of the Service Charge demand. For example, if the Service Charge period is from 1 November 2023 to 30 April 2024, we will not start chasing until 29 November 2023, which is 28 days from the due date.

If you communicate with us from the first reminder you receive from us, we will always try to accommodate a payment plan with you, if you are unable to pay the amount in one lump sum. However, we need you to get in touch with us ASAP to let us know your situation otherwise, we will just assume you are disregarding Service Charge demands when they are sent to you and you will have to pay our late payment fee. Once we deem a leaseholder or property owner to be in arrears, we follow a 4 stage process:

Stage 1:
After 28 days, we send a polite reminder to inform you that your account is currently in arrears and ask you to pay the outstanding funds as a matter of urgency, within 14 days of the date of our reminder. If not paid within the 14 days, we will charge a Late Payment Administration Fee of £95.00 + VAT which will be added to your individual account. If you know that you are not able to pay, please communicate with us. If we do not hear from you, you will have to pay our late payment fee.

Stage 2:
If we have not heard from you after the 14 days’ notice period (Stage 1), we refer to our previous correspondence (Stage 1) and advise that a Late Payment Administration Fee of £95.00 + VAT has been added to your account.

We will now inform you that as you have failed to pay the outstanding sum, if you don’t pay in the next 14 days the next step is that we contact the Land Registry to find out who your mortgage company is so we can write to the mortgage company and obtain your arrears from them. This will incur another £95.00 + VAT Land Registry Admin Fee for White & Sons. Therefore, it is paramount that you pay or contact us before the notice period ends.

Stage 3:
After the 14 days’ notice period (Stage 2), we write to advise that further to our correspondence (Stage 2), we have added another £95.00 + VAT to your account being our Land Registry Administration Fee.

We will also inform you that as you have failed to pay the outstanding sum and not advised us of any reason why it cannot be paid, we will now need to contact the Mortgage Company to request that they pay your arrears for you. If you do not have a mortgage, we will look into taking you to Court and arrange bailiffs to attend.

We will begin our action on or after 14 days of the date of the Stage 3 letter. Therefore, it is paramount that you pay or contact us before the notice period ends.

Stage 4:
Most of the time, the mortgage company pays the arrears. Occasionally, your mortgage company request us to obtain a County Court Judgement (CCJ) before they pay the arrears. At this point, we will issue you with an online Money Claim via the HM Courts service. In addition to your arrears, you will be responsible for paying the online claim fee. The money claim will be sent to you via email and post. Once you receive this, you can choose to accept our entire claim, part of it, or none of it. If you accept anything less than the entire claim, you will have to explain to HM Courts why you believe you do not owe your arrears. If you do not respond to the Money Claim, or break the terms of a payment plan which arises from the Money Claim, you will be issued with a CCJ for the outstanding amount. A CCJ can have serious implications on your credit rating, and a charge would appear on Land Registry against your property.

If you do not have a mortgage, we will issue you with an online Money Claim via the HM Courts service. In addition to your arrears, you will be responsible for paying the online claim fee. All other details are as above. Once we have obtained a CCJ, if necessary, the solicitor will also arrange bailiffs to attend your home. Depending on the severity of your arrears, our client may also push for forfeiture of your property.

IMPORTANT - Please note:
When you bought your property, you contractually agreed to pay your share of the service charges. This contract is your Lease (for a flat) or a Transfer Document (TP1) for a house. Therefore, you have to pay your share of the Service Charges. It is extremely important that Service Charges are paid promptly when they are due to ensure the smooth running of your development. We can only arrange repairs & communal services if there are enough service charge funds available. This is why most contracts insist that the service charges are paid in advance.

Please get in touch with us immediately if you are unable to pay your Service Charge demand. We will always try and provide an alternative payment plan where possible. Where service charge funds have enough reserves to prevent a cash flow issue, some clients allow monthly payments. If you are allowed to pay monthly, we charge an admin fee of £30.00 + VAT per annum for this service.


November 2023
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