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A self-help tool for renters in Victoria
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Draft your payment plan agreement

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    1Privacy policy
    2Checking your Notice to Vacate
    3Contact details
    4Rental details
    5Circumstances
    6Rent and income
    7Payment plan details
    8Create your payment plan

    Your personal information

    Justice Connect will collect some personal information from you to generate your document. We will store this information securely.

    With your permission, we may use your email to contact you for feedback about your Dear Landlord experience. We may use de-identified and aggregate data from Dear Landlord to improve the tool & advocate for Victorian renters.

    Read our privacy policy to understand how we collect, use and store your personal information.

    Privacy Policy Checkbox*

    Checking your Notice to Vacate

    Before you draft your payment plan agreement, it’s important to check whether you think your Notice to Vacate is valid.

    A Notice to Vacate must meet certain requirements, otherwise it can be considered ‘invalid’ by VCAT. If a Notice is invalid, it means that VCAT cannot make any decisions to evict you based on that Notice.

    Here are reasons why a Notice to Vacate might be invalid in private rentals:

    • The unpaid rent listed on the Notice was significantly more than you owed at the date of the Notice
    • You are behind in rent because your rent was increased but you didn’t get a valid Notice of Proposed Rent Increase
    • The notice was not properly delivered (e.g. it was sent by post but you didn’t receive it, or it was emailed without you agreeing to receive documents electronically)
    • There is a mistake in the renter name/s or property address
    • The Notice you got was unsigned
    • The Notice is not in the correct form from Consumer Affairs Victoria
    • The termination date doesn’t give you 14 days’ notice plus the extra time for delivery (see our FAQs for required delivery times)
    • The notice doesn’t list the correct section (s 91ZM) or it doesn’t give enough detail about why it was issued

    If you think that your Notice to Vacate might be invalid, you should speak to a lawyer. Visit our FAQs to read more about invalid notices or to find a free legal service to contact. If you think the Notice is invalid, VCAT asks you to tell them immediately.

    NTV Checkbox*

    Your contact details.

    To begin drafting your payment plan, enter a few details about you and your situation.

    Address*
    This is the address of the rental property.
    Feedback consent

    Your rental details 

    This is not the name of your real estate agent. This should be written on your rental agreement, and there might be more than one name. If you don’t know the names of your rental provider, you can leave it blank and they can fill it in.
    Do you communicate with a property manager or real estate agent?*
    Please list all renters first and last names, including yourself, separated by a comma. Only include people who are named on the rental agreement.
    Your VCAT reference number can be found on correspondence from VCAT about the rent arrears. If you don’t know you can leave this blank.
    If the rental provider is claiming you owe more than you think you owe, or if you think the Notice to Vacate is incorrect for another reason, you should speak to a lawyer. Find legal help.

    Your circumstances

    Let’s include more about your situation and why you’re behind in rent. This will be included in the letter and help your rental provider understand your situation.

    Select why you are behind in rent*
    (Select as many that apply)

    Your rent and income

    The next few questions will help you work out how much you can afford to repay.

    (Enter the total rent for your household)
    How often?
    If you don’t receive the same income amount each month, enter an estimated average. If you are writing this letter on behalf of your household, enter your household’s average income.
    How often?

    Your payment plan

    The main way to avoid eviction is to show how you will pay back the rent you owe. This means offering a manageable payment plan. We will help you draft a payment plan in the form that VCAT requests.

    This will be paid with your regular rent payments.
    DD slash MM slash YYYY
    Do you want to make any lump sum payments?*
    As a part of your payment plan, you can offer one-off lump sum payments if you have the money available. This is completely optional.
    DD slash MM slash YYYY
    Do you want to add more lump sum payments?
    DD slash MM slash YYYY
    DD slash MM slash YYYY
    DD slash MM slash YYYY

    Payment plan results

    Completion time:
    Completion date:

    Weekly total (your rent and payment plan):

    This is of your income.
    ⚠️ You may be in rental stress (>30%)
    You can try different amounts to see how much you’ll pay back and how long it will take.
    Don’t forget to consider your other bills, groceries, medical costs, and other expenses.

    The 30% rule

    Did you know that if you are paying more than 30% of your income on rent, you are considered to be in ‘rental stress’? If you are struggling with other debts or bills, talk to a financial counsellor. Call 1800 007 007 to speak to a financial Counsellor or find one in your local area.

    Great! You’re almost done.

    Please check you’re happy with these details before you finish.

    Your contact details
    {First Name:1} {Last Name:2}
    {Email:29}
    {Address (Street Address):13.1}, {Address (City):13.2}

    Your rental details
    Your rental provider: {Residential rental provider name/s (otherwise known as a landlord, the owner/s of the property):7}
    Your real estate agent: {What is the name of the property manager or real estate agent?:17}
    Renters on rental agreement: {Renters listed on the rental agreement:67}
    VCAT reference number: {VCAT reference number:8}
    You said you owe ${How much rent do you owe?:78} in rent

    Your circumstances:
    You struggled to pay rent because:
    {Select why you are behind in rent:43}

    Your payment plan:
    You said your household pays {How much do you pay in rent?:44} in rent {How often?:47}.
    You are requesting to pay back an extra {Regular repayment:52} {How often?:47} starting from {:54}.

    You are offering a one-off payment of {Payment 1: How much do you want to pay?:57} by {Payment 1: When will you pay this amount?:58:date:d/m/Y}.

    You are offering a one-off payment of {Payment 2: How much do you want to pay?:70} by {Payment 2: When will you pay this amount?:75:date:d/m/Y}.

    You are offering a one-off payment of {Payment 3: How much do you want to pay?:73} by {Payment 3: When will you pay this amount?:74:date:d/m/Y}.

    You are offering a one-off payment of {Payment 4: How much do you want to pay?:72} by {Payment 4: When will you pay this amount?:71:date:d/m/Y}.

    Generating the payment plan

    You’ll be able to read and edit the payment plan and letter before you send it. You will also get some information on what happens after you send your letter to your rental provider or real estate agency.
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    • Privacy Policy
    • Disclaimer
    COVID-19 financial support available for Victorians

    The Federal and Victorian Governments are offering a number of different types of COVID-19 financial support for Victorian individuals.

    For a rundown of the various kinds of support available during the pandemic, including the newly announced RENT RELIEF GRANT, see our What kind of COVID-19 financial support is available for Victorians?

    Last updated 10 September 2021

    A guide to the eviction process

    Evictions follow a legal process. This is a step-by-step guide if you are behind in rent to help you understand your rights and how Dear Landlord can help you.

    How Dear Landlord can help

    If you are behind in rent, Dear Landlord can help you understand your options based on your circumstances, including drafting a payment plan request to your rental provider, drafting a VCAT review application, and finding further financial or legal help.

    What do the new rental laws mean?

    New renting laws came into effect on 29 March 2021. This means if you fall behind in rent due to COVID-19, your landlord – now referred to as a rental provider – can take steps to evict you.

    Under the new laws, there is no legal requirement for your rental provider to accept a rent reduction, unless you applied to Consumer Affairs Victoria or VCAT before 29 March 2021.

    If you have an existing rent reduction or rent deferral agreement or order made during COVID-19, use Dear Landlord to find out what this means for you.

    If you want to find out more information about the new laws, see our What do the new rental laws mean for Victorian renters?