STEMHQ

Arrears Intelligence

Identify and escalate rent risk before it becomes unrecoverable

Structured escalation from first missed payment to court, with every step timestamped and nothing left to a spreadsheet.

Arrears dashboard

Every tenant's rent position is visible at a glance: colour-coded risk level, days overdue, and balance owed, updated in real time as you record payments. No spreadsheet to maintain in parallel.

Why is this important?

Arrears that go unnoticed for even a few weeks compound quickly and become harder to recover. Landlords managing rent tracking by memory or spreadsheet routinely miss the point where informal contact would still have worked.

Arrears dashboardclick a tenant to record payment in full
TenantOwedStatus

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Escalation workflow

A structured five-step path from first missed payment to court claim: informal contact, formal letter, Alternative Payment Arrangement, Section 8 notice, court claim. Every step is timestamped, so you have a defensible record of exactly when and how you acted.

Why is this important?

Courts expect to see a reasonable, documented attempt to resolve arrears before possession. Landlords who escalate inconsistently, or without records, weaken their own case and slow down proceedings that are often already lengthy.

Escalation workflowclick a step to mark it done

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APA managed payment requests

Generate and email Alternative Payment Arrangement letters to local councils for tenants on Universal Credit, with a benefit-impact confirmation step before anything is sent, so you're not redirecting a tenant's housing payment without a clear record of consent and process.

Why is this important?

APA requests submitted incorrectly, or without the required tenant notification, can be rejected by the council or create a dispute with the tenant that delays payment recovery further.

APA managed payment request

Confirm before sending

This will redirect Kevin's UC housing payment to you.

RecipientManchester Council
TenantKevin Nguyen
Arrears£1,380

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Portfolio analytics

Collection rate, total rent roll, and arrears exposure rolled up across your whole portfolio, so you can see which properties are dragging down performance instead of discovering it property by property.

Why is this important?

Without portfolio-level visibility, a single problem tenancy can sit unresolved for months because nothing forces it to the top of your attention until the loss is already significant.

Portfolio analyticsclick a bar for detail

Rent roll

£7,240

Arrears

£2,060

Collection

91%

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