Paying for Major Works
We understand that most people are not able to
pay large bills for major work without adjusting their budgets or
arranging loans. The following information covers the main ways you
can pay the charges for major work. If you are able to pay the full
amount, please pay the total debt immediately, preferably, within
three weeks of the invoice date.
Paying in instalments before work is
If we have sent you an estimated s20 invoice
for major work at the start of a contract, we will accept monthly
interest-free instalments for the length of the contract, until we
have agreed a final account with the contractor. When we are sent a
breakdown of the final account, we will work out the actual payment
for the work and send you a statement showing the difference
between the estimated bill we sent you and the actual costs. If the
estimated bill was too low, we will send you another invoice. You
will need to make arrangements for paying the extra invoice and any
money still owing from the earlier estimated invoice immediately,
using any of the payment options shown here.
If the estimated bill was too high, we will
tell you how much is due to you. We will only give you a refund if
your service charge account is fully paid.
Paying in instalments after the end of a
We may be able to agree with you that you can
pay the amount you owe us over 12,18 or 24 months dependent on the
amount owed. If you want to do this, you must write to us within
three weeks of the date of the invoice and let us know how much you
are going to pay each month. Please do not telephone us to make an
instalment arrangement, this request needs to be put in writing. As
long as the amount you offer to pay will clear the debt within 12,
18 or 24 months, we will agree to your offer and advise you when
the first payment is due. You must make regular payments every
month, we strongly advise you to setup a standing order.
Please remember that if you miss any of the
monthly payments, and you have a mortgage on the property we will
write to your mortgage company to recover any outstanding amounts
due. If there is no mortgage lender we will refer the debt to our
solicitors immediately to recover the amount you owe in the county
A statutory service charge loan from the
You may be entitled to a loan from the
council, either by law (a statutory loan) or, if you are not
entitled to a statutory loan, a discretionary loan.
Any invoices we send you for major work will
include information about how you can apply for a service charge
loan. Please note that at the moment, we can only offer a service
charge loan where the service charge is for repairs, maintenance or
improvements. We cannot give you a loan to pay off other service
The loan would be secured by a charge on the
property. However, the interest rate that applies is set by the
Government so it is likely that you should be able to get a loan at
a lower rate of interest from a commercial mortgage lender.
If you are entitled to a statutory loan the
council must allow it, whether you can afford it or not. But the
Law sets out the amount you can borrow and the term of the
This option does not directly involve either
us or the council. You could ask your existing mortgage lender for
another loan called a ‘further advance’ to pay the service-charge
bill for the work. Usually, this would involve the amount of the
loan being added to the amount you already owe on your mortgage.
Your mortgage lender would then work out a new rate of repayment on
your mortgage. They may also consider extending the mortgage term,
for example, from 25 to 30 years, to keep the repayments
If you want to consider this option, you
should contact your existing lender in good time to discuss the
matter. Most lenders are prepared to approve or refuse a loan in
principle before the council has sent you the details of your share
of the cost of the work.
Please note that where the bill is not in
dispute, or where you have disputed the bill but a court (or
arbitration panel) has ruled that you should pay the bill, we are
entitled to contact your mortgage lender to ask them to settle the
debt on your behalf.
We take a charge on the property
If we agree that you cannot afford any of the
options described above, with your agreement we could consider
taking a charge on the flat to secure the debt. This is similar to
a mortgage, but you would not have to make any monthly payments
towards the debt. Instead, when the lease of the flat is
transferred (for example, if the flat was sold), you would have to
pay the charge in full, along with the interest due.
This option would be a last resort, and would
only be considered if the only alternative was court action to
recover the lease, as this means repossessing your home.
Where and how to pay
Please quote your invoice number when making payment.
At Post Offices and PayPoint Outlets
You can pay this invoice at any Post Office or PayPoint site in the
country using your Waltham Forest OneCard. If you want a
Waltham Forest OneCard or if you have any queries regarding the
Waltham Forest OneCard, please call Income Services on 020 8496
4197 or e-mail email@example.com
You can pay using the
Council’s website using your debit or credit card. When on the
page the option is "Leaseholder Service Charges.
If you have a debit card or a
credit card, you can make a payment over the telephone.
Please call WF Direct on 020 8496 3000 and select Option 2.
Please have your invoice number or service charge account number
Through the bank
Please ask your bank for
the relevant form quoting the Council’s bank account number
03712060 and sort code 20-00-00. Also please remember to
quote the invoice number. Banks may make a charge for this
If you would like to pay by
standing order, please contact Income Services on 020 8496 4197 for
a Standing Order mandate.
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If you have any difficulties in paying your invoice, then please
get in touch with us immediately. You can ring Income
Services at Waltham Forest Housing on 020 8496 4197
or email firstname.lastname@example.org
Please note that the council no longer accept cheque or cash
payments at their Cashiers Office.