Recovering Rent Arrears After Possession — Money Claim Guide 2026

Step 1 — Include money in the original N5 possession claim

The N5 claim form for possession of property (residential — used from 1 May 2026 under the Renters' Rights Act 2025) allows landlords to claim both possession and a money judgment in the same proceedings. This is the most efficient approach: one court fee, one hearing, two orders.

On the N5 form, tick the relevant box to indicate you are also seeking a money judgment. Complete the particulars of claim section setting out the total rent arrears and any other sums claimed. Attach a rent schedule showing each month of arrears and the dates on which arrears accrued.

Step 2 — Issuing a separate money claim after possession

If possession proceedings are already concluded and you did not include a money claim, you can issue a separate claim:

• Money Claim Online (MCOL): For claims up to £100,000 against defendants with a UK address, MCOL at moneyclaim.service.gov.uk is the quickest route. Issue, track, and enforce online. Court fee is paid by card
• Paper N1 claim form: For more complex claims or those involving foreign-addressed defendants, issue by paper using the N1 claim form at your local County Court hearing centre
• Claims under £10,000 — small claims track: Most residential rent arrears claims will be allocated to the small claims track. Legal costs recovery is very limited on the small claims track — you cannot recover solicitors' fees for the substantive hearing, only court fees and a fixed costs allowance
• Claims £10,000–£25,000 — fast track: Claims in this range go to the fast track where limited legal costs can be recovered from the unsuccessful party
• Claims over £25,000 — multi track: Full legal costs recovery is available in principle on multi-track claims, subject to the court's discretion

What can you claim?

• Unpaid rent: All rent that was due and unpaid up to the date the tenancy ended or possession was taken, whichever is later
• Mesne profits (use and occupation): Where the former tenant remained in the property after the possession date, you can claim the rental value for that period — typically the weekly or monthly rent equivalent
• Damage to the property: Costs of repairing damage caused by the former tenant above and beyond fair wear and tear. Must be evidenced — pre- and post-tenancy inventory, photographs, and repair invoices or written contractor quotes
• Cleaning costs: Where the property was returned in an unclean state evidenced by the check-out inventory
• Interest on arrears: Statutory interest at 8% per annum from the date of judgment under the Judgments Act 1838; in proceedings, contractual interest if the tenancy agreement provides for it
• Court fees: The court fee for the money claim is recoverable from the debtor as part of the judgment
• Fixed costs (small claims track): A fixed costs allowance applies on the small claims track — typically £90 in addition to the court fee

Enforcing the money judgment

Once the court makes a money judgment, you can apply for one or more enforcement methods if the former tenant does not pay voluntarily:

• Warrant of control (County Court bailiffs): Instructs County Court enforcement agents to attend the former tenant's address and seize goods of sufficient value to cover the debt. Court fee: £110. For judgments over £600, consider transferring to the High Court under a writ of control — High Court Enforcement Officers (HCEOs) have broader powers and can be more effective
• Charging order: Applies to judgment debts of any size where the former tenant owns property. An interim charging order is obtained on an application without notice (form N379); a final charging order is made after a hearing. The charge secures the debt against the property — it cannot be sold without discharging the debt. If the former tenant does not pay, you can apply for an order for sale (rare, and courts are cautious on residential property)
• Attachment of earnings: Where the former tenant is employed, an attachment of earnings order (form N56) requires the employer to deduct a set amount from wages. The employer pays the deduction to the court, which forwards it to you. Effective where employment is stable
• Third-party debt order: Where you know the former tenant has money in a bank account, a third-party debt order (form N349) freezes and transfers funds from that account to satisfy the judgment. Requires a known bank account and is more complex than a warrant of control
• Bankruptcy petition: Where the judgment debt is £5,000 or more and other enforcement methods have failed, you can petition the court to make the former tenant bankrupt. The bankruptcy trustee sells assets and uses proceeds to pay creditors. This is a drastic step and should only be considered with legal advice

Debtor's Evidence — oral examination of the former tenant

Before committing to expensive enforcement, you can apply to the court to require the former tenant to attend court and answer questions under oath about their income, employment, assets, and bank accounts. This is known as an order to obtain information (previously 'oral examination'). The information gathered helps you choose the most effective enforcement method.

LetSafe UK documents for money recovery

• Section 8 Notice (LS-E-010): The valid possession notice from 1 May 2026 — citing Ground 8 (two months' rent arrears at notice and hearing) and Ground 8a (persistent arrears) alongside the money claim maximises the chances of a mandatory possession order and a money judgment in one hearing
• Periodic Assured Tenancy Agreement (LS-E-001): A well-drafted tenancy agreement with clear rent obligations, damage obligations, and notice provisions strengthens your position when pursuing a money claim — the court can see exactly what the tenant agreed to and what they have breached