This policy applies to all properties owned and managed by B3Living, including properties let on tenancies, licenses and leases.
The policy covers charges levied to current customers and debt owed by former customers, including:

1. Rent – a payment amount, fixed by a tenancy/license agreement, by which a tenant is liable to pay at specified intervals in return for the right to occupy or use a dwelling or garage.
2. Service charges - Charges paid by customers for services provided by B3Living in connection to property or tenancy. The charges relate to costs incurred for the day to day upkeep of communal areas and for the longer-term maintenance of relevant communal areas and buildings.
3. Sundry charges such as administration costs, court fees and recharges for repairs that are the occupier’s responsibility and costs levied to customers for any other services.

3.1 Income management activity is identified as a corporate priority, as effective income and arrears management is crucial to operate B3Living as a viable business due to the charges levied to customers being our main source of revenue income.

3.2 Maximising income enables us to provide excellent customer services, maintain and improve our property assets and develop much needed new homes. Without adequate financial resources our ability to provide added value services such as welfare and debt advice and other support to help customers sustain their tenancies is hampered.

3.3 Most importantly, an effective income management ethos not only prevents customers from falling into unnecessary or significant debt but ensures that they can sustain tenancies and reduce their chances of becoming homeless.

3.4 This policy is designed to achieve the following outcomes:
► Collect all rent and charges due (how charges are determined is set out in the Rent Setting Policy)
► Promote a payment culture to all customers
► Develop a culture of trust between B3Living so that customers feel able to contact us early on if they are in danger of being unable to make payments
► Proactively prevent and minimise arrears.

► Aligned with our customer ethos value to deliver a personalised and inclusive service, treat customers as individuals and respond to their differing needs to help them to sustain tenancies, pay charges and reduce arrears
► Identify, control and recover debt promptly with a fair and sympathetic but firm approach to deal with customers who have arrears
► Ensure robust and systematic procedures for collecting debt from former tenants
► Ensure systems, processes and performance management measures are in a place to demonstrate implementation of this policy

3.5 We will deliver the following key objectives to implement this policy. A detailed Income Management Framework will provide further guidance and procedures to achieve and monitor the impact of the actions.

The objectives are to:
3.6.1 Collect all rent and charges due
1. Provide comprehensive information to customers so that they
understand how B3Living sets rents, service charges and other charges
2. Offer wide-ranging payment methods and flexible payment options to make it easy for customers to pay
3. Encourage take up of easy and speedy payment methods
4. Provide account statements at least annually and when customers
request it
5. Ensure systematic use of procedures and protocols to implement this policy

3.6.2 Promote a payment culture to all customers
1. Provide clear and accessible information and advice in order to
prevent arrears and legal action from occurring
2. Encourage customers to self-monitor by checking their rent and service charge accounts frequently and regularly
3. Implement B3Living’s policy of advance rent payment from new
tenants, reinforce the terms of the tenancy/license/lease and the
importance of paying rent in advance and making regular payments
4. Proactively publicise to customers the importance of regarding rent
and service charges as ‘priority debts’ and serious consequences of
non-payment

3.6.3 Develop a culture of trust between B3Living so that customers feel able to contact us early on if they are in danger of getting into arrears
1. Signpost customers to specialist agencies, where appropriate, so that they can promptly complete and submit welfare benefit applications
2. Use customer data and other insight to identify tenants who are or in
danger of becoming vulnerable and provide targeted support
3. Publicise the availability of support from B3Living staff and external
agencies for welfare benefits and debt management
4. Actively encourage customers to take ownership of any difficulties with non-payment of Housing Benefit or Universal Credit
5. Consider individual circumstances and set up realistic repayment
arrangements and options for customers in arrears and encourage self-monitoring

3.6.4 Proactively prevent and minimise arrears:
1. Make income management ‘everyone’s business for B3Living
employees, so that they are able to identify when a customer maybe
struggling financially and signpost them to the Rent Team for support
and guidance
2. Make income and arrears work a priority for Housing Management
Services, including regular monitoring of accounts and taking prompt
action for non-payers and customers who do not keep to arrear clearance agreements
3. Consider rent payment campaigns with an emphasis on the effects of non-payment

3.6.5 Treat customers as individuals and respond to their differing needs to help them to sustain tenancies, pay charges and reduce arrears
1. Treat people with respect and discuss debt issues in a confidential
setting
2. Protect, support and signpost vulnerable people
3. Consider individual circumstances and set up realistic repayment
arrangements and options for customers in arrears and encourage self-monitoring
4. Work with relevant agencies to develop a mutually supportive working relations with the aim of helping people to remain or become
financially included
5. Honour any reasonable agreement made to discharge debts before escalating legal action

3.6.6 Identify, control and recover debt promptly with a fair and sympathetic but firm approach to deal with customers who have arrears
1. Effectively manage every account in line with this policy and
associated procedures
2. Progress a staged approach based on the extent of arrears and debt
period
3. Constructively engage with customers as soon as they fall into arrears to control and reduce debt
4. Make every effort to influence the customer to get advice and support with paying current charges and clearing arrears
5. Take speedy action to contact and engage with tenants who do not
keep to payment plans to clear their account
6. Keep the debtor informed of action being taken at every stage of the
arrears recovery process and reinforce key messages of support
available and consequences of continued non-payment
7. Work with relevant external partners to prevent homelessness and
consider alternatives to evictions
8. Where someone is at risk of homelessness, inform the Local Authority before an eviction takes place to continue to support the debtor and protect vulnerable people from the risk of eviction

3.6.7 Ensure robust and systematic procedures for collecting debt from former tenants
1. Effectively manage every former tenant account in line with this policy and associated procedures
2. May refer former tenant debt to a debt collection agency where there
are no other options
3. Write-off debts where there is no prospect of recovery, in accordance with B3Living’s Financial Regulations

3.6.8 Ensure systems, processes and performance management to demonstrate implementation of this policy
1. Implement this policy with appropriate procedures that provide for
systematic and robust approaches to maximising income, minimising
debt and preventing homelessness
2. Deliver efficient and effective rent accounting processes
3. Ensure staff training and development to aid consistent  implementation and continuous improvement
4. Provide the necessary tools for staff to carry out their tasks effectively
5. Set targets and measurable outcomes from the work of individual officers and monitor performance
6. Measure and benchmark performance and share experience and
best practice with peer landlords
7. Introduce systematic data insight to understand reasons for non-payment. 

We will apply our income management policy consistently and fairly. We do not discriminate against any person on grounds of their age, disability, gender reassignment/transgender, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, sexual orientation or any other matter that may cause a person to be treated with injustice.

The needs of vulnerable customers where this affects their ability to make payments will be considered on a case by case basis. We recognise that vulnerability could be caused by temporary circumstances or long-term matters.

All frontline officers will receive training on our Safeguarding procedures to ensure that appropriate processes are followed where any safeguarding issues are identified.

We will use plain language and make information available in different formats and languages on request.

This policy will be operated in line with B3Living’s Data Protection and Confidentiality Policy.

8.1 We will gather customer satisfaction feedback through several mechanisms that may include text messages, phone, and online surveys, as well as face-to-face feedback opportunities.

8.2 We will use a suite of customer satisfaction performance indicators including the Tenant Satisfaction Measures prescribed by the Regulator of Social Housing to measure the quality of the service provided and drive future improvements

9.1 This policy adheres to all relevant legal and regulatory requirements, in addition to having due regard to industry best practice.
9.2 We reserve the right to expand, change or alter any element of this policy, as and when required, to meet changes in housing need, capacity, resources and legislation.
9.3 Where we need to regularly review information on an annual basis, we will attach the information as an appendix

10.1 Ensuring the health and safety of our customers and staff is a fundamental aspect of our income management policy. We are committed to maintaining a safe and healthy environment for all, which includes the following considerations:
► Safe living conditions: We prioritise the maintenance and repair of
properties to ensure they meet health and safety standards. Promptly
addressing maintenance issues helps prevent hazards that could impact a customer's ability to manage their finances effectively.
► Training and awareness: Colleagues receive comprehensive training on health and safety protocols, including the identification and management of potential hazards that could affect income management. This training extends to understanding the services provided by partner agencies and local authorities, ensuring staff can support customers in maintaining their financial health.
► Support for vulnerable customers: We recognise that vulnerability can impact a customer's ability to manage their finances. We consider the needs of vulnerable customers on a case-by-case basis and provide appropriate support to ensure their safety and financial stability, including assistance with rent payments and other charges.

► Communication: Effective communication channels are established to ensure customers are aware of health and safety guidelines, updates, and any changes to procedures that may affect their financial obligations.
► Regular inspections: Regular inspections of properties are conducted to identify and address any health and safety risks that could impact a customer's ability to manage their finances. These inspections help maintain a safe living environment and prevent potential issues that could lead to financial instability.
► Compliance with regulations: We adhere to all relevant health and safety regulations and standards, ensuring our practices are up-to-date and compliant with legal requirements.