People in England and Wales struggling to pay debts or rent could be eligible to use the Breathing Space scheme, and Government expects around 700,000 people to benefit in the first year of the scheme. Creditors (landlords) are not allowed to contact tenants directly to request payment of the debt or take enforcement action to recover the debt (including by taking possession of a property) for a maximum of 60 days. For a mental health crisis breathing space, the Breathing Space on

We are a small group of leaseholders who are also shareholders in the management company that owns the freehold to our flats. I recently took over from the chap who ran the management company as he sold his flat and nobody else wanted to do it. We now have to do some urgent repairs that will involve an additional contribution from each leaseholder. All but one leaseholder has already accepted a quote, but he would like to bring his own builder in to quote and possibly do the work.

This is a tricky one - we are a newish development (old offices) of 3 new floors and one existing (residential) on the 4th floor. The 4th floor lease has a clause that excludes them from 1st works to the roof as it was to be provided in good order. Clearly the issue is that it wasn't, and they are refusing to pay all services charges and have been since 2017 (we have just found this out via the managing agents). There are many issues of course - the first being why hasn't the mana