The balance on the arrears report is not one number. It is debt you can collect, debt you are legally barred from chasing, and debt nobody has picked up. Income Ally tells you which pound is which, and why.
Grant, disposals, what the lenders will lend — every other line is somebody else’s decision. Rent is the one you collect yourself, and it pays for the repairs programme, the safety remediation and the decarbonisation bill in the same years.
Which makes the arrears figure a viability number rather than an operational one. And a viability number you cannot decompose is a number you are signing on trust.
Across the whole book, overnight
Not per account, after somebody opens it. Across every tenancy you are chasing, with the money attached to each answer, before anybody asks for it in a meeting.
Every suppressed pound with the legal reason attached — Breathing Space, a mental-health crisis moratorium, a Debt Relief Order, bankruptcy, a live complaint.
Debt Respite Scheme Regulations 2020 · Insolvency Act 1986
How long is left on each former-tenant debt, which date it runs from, and what restarts it — sorted by what lapses first, not by size.
Limitation Act 1980
With the correctly-suppressed accounts netted off first, so the number is a capacity problem rather than a mix of two different problems.
Kept apart from arrears somebody worked that did not move
Each requirement evidenced or not, per current tenancy in arrears, and which requirement is your gap.
Pre-Action Protocol for Possession Claims by Social Landlords
Why this is a finance conversation
Bad-debt provision is usually an ageing band with a rate applied to it — an estimate over a figure nobody can break down. The off-limits ledger gives you the other half: the part of the book you are correctly leaving alone, stated as a figure, with the statute beside each pound.
That is a defensible line in a paper rather than a judgement call, and it is the same evidence an auditor asks for when they ask why recovery stopped.
Limitation Act 1980
Six years from the cause of action, and a former-tenant debt that passes it cannot be enforced in court however carefully it was recorded. Most systems will tell you this in a report somebody runs quarterly. Here it is a live suppression — the account stops being chased, and the exposure is ordered by what lapses first.
One deliberate exception: the clock keeps reporting inside a moratorium, because a statutory deadline does not pause for one.
Pre-Action Protocol for Possession Claims by Social Landlords
Protocol compliance is judged at the point the claim is issued, so evidence assembled afterwards is worth very little. Knowing which requirement is your gap across the book, before anybody instructs solicitors, is the difference between a cost you chose and a cost you discovered.
Arrears rising is not a diagnosis. Accounts nobody has picked up and accounts somebody worked that did not move are two different problems with two different answers, and one of them is a resourcing decision you can actually take. They are counted separately, with the suppressed accounts removed from both.
Unlimited users on every plan, the full rule set, and both the current and former tenant books. An income team rationing logins is a team working around its software, and a per-seat line is a cost that grows with headcount rather than with value.
The other half of total cost: changing a threshold or a rule is an admin screen, not a change request. The recurring charge in this category is usually not the licence.
How it is priced →The same board paper
Where this stops
On the page, because a claim you could quote back at us after an adverse finding is a claim that should not have been made.
The Regulator of Social Housing regulates landlords, not software. No product can make you compliant, and any that says it can is selling you a sentence you will have to defend.
We have no decade of sector benchmark data. Anyone quoting you an arrears-reduction figure for your book has not seen your book. The pilot exists so the number comes from your data instead.
A moratorium nobody registered is a moratorium it cannot enforce, and a tenancy regime left blank produces “the grounds cannot be stated” rather than a guess. The figures are exactly as good as the book behind them.
The rest of the committee
Written separately because these are genuinely different questions, not the same pitch with the job title swapped.
One patch, one team, your own data loaded. Tell us your account volumes and which housing management system you run, and we will put a number to it.
Tell us about your organisation and what you are trying to fix. It goes straight to the team, and a person replies.