Updated 06/07/2021

Dear Tenants

We understand you will be finding it a worrying time at present. At Midwinter Koval we want to reassure our tenants that we are here to support you.

Clearly, first and foremost, you will be anxious about your own health and that of your family and we urge you to follow the recommendations laid out by the Government in combating the spread of Coronavirus to ensure you stay safe and healthy.

We have had a number of phone calls regarding a number of issues with people worried about rent payments, what happens if there is a repair, what happens if they are due to move from or to a property, or simply how to contact us during the lock down. Please click on a section below for more clarification.

Finally, we truly hope that you get through this period unscathed. We will all need to work together during this difficult time and even more so, once we are through the other side. Thank you.

Andrew Koval

Andrew Koval & Sarah Midwinter.


  • RENT

    By now, most people will have a clearer picture of their employment situation and the availability of help.

    For those of you still unsure as to exactly what is available, we recommend that you talk to your employer or accountant (if self-employed), look on the Government website, check other bodies such as the Citizens Advice Bureau or in fact sites such as Money Saving Expert, Martin Lewis, who offers a wealth of information, and also look at the Universal Credit availability.

    Many of you will have been furloughed from work with the promise of a minimum of 80% of your salary (up to £2,500) or in fact, some employers are topping this up to 100% of your pay. These payments (if not already made) will start in April and be back dated. Those who are self-employed, will be relieved to hear that a scheme has been offered for them, on similar terms to an employed person. We appreciate that it will not be available to everyone, but generally you will be able to get 80% of your monthly pay (up to £2,500).

    Some of you will unfortunately be outside the scheme above or, in fact, literally in between jobs. We sympathize with you, in what must be a very difficult situation. The Government has made accessing Universal Credit easier (further details can be found here There are also loans available and both North Devon District Council and Torridge District Council are extending their schemes to help people reduce their council tax burden and assist those on low incomes.

    It is fair to say that, initially, when the Government announced changes to Legislation to prevent evictions for rent arrears in the next 3 months, there appeared to be a misunderstanding from some people that the term “Rent Holiday” meant that tenants did not have to actually pay their rent. This is absolutely not the case! The obligation for you to pay your rent on the due date remains unchanged. Therefore, whilst you continue to have full employment or currently receive housing benefit, there is no reason why you shouldn’t pay, as usual and on time.

    What happens if the whole rent or some of the rent cannot be paid on time? In this instance, the rent (or part of the rent) can be deferred until you are able to obtain any benefits that you might be eligible for, or your employment returns to previous levels. It is important that you understand that rent is still payable, and you will be responsible for making and sticking to a reasonable re-payment plan.

    Obviously, we realise that we are entering unchartered territory with Coronavirus, but we urge you wherever possible not to let your rental debt become unmanageable or unrecoverable. Any payment that you can make (however small) will help lessen difficulties down the line, when we are all trying to find our feet.

    For those tenants that have always paid their top up or rent by cash in the office, please note that we are able to take a card payment over the phone.


    Wherever possible, you should continue to log any repairs with us via the PropertyFile App. For those who have not yet downloaded it, please contact us with an up to date email so that we can send you the instructions. The App allows you to also send in photographs of the issue, which we find very useful. The Government have made it clear that only emergency repairs/maintenance can be carried out at present. We will obviously get a contractor to you as soon as we are able for non-emergency issues.

    For those that do not have the appropriate technology, please email in the first instance or last resort, ring the office.

    We have posted on our website, various useful numbers in case of an emergency. Please note that you should only organise repairs yourself if it is an absolute emergency and you have not been able to get hold of us (you may be charged, if the issue is deemed not to be). Below are various useful numbers in case of an emergency. Please note that you should only organise repairs yourself if it is an absolute emergency and you have not been able to get hold of us (you may be charged, if the issue is deemed not to be).


    Some of you are due to leave your rented property in the coming days/weeks/months. Current guidelines are that you should only move house, if it absolutely necessary. Therefore, please contact us at the earliest opportunity (either by phone or email), if your plans are going to change. We will try to speak to you, in any case.


    Similarly, to above, you should only move if you absolutely have to. We will be contacting you to confirm that we have had the necessary references, how to make payment and the procedure for signing the tenancy agreements and picking up keys.


    For those tenants that purchase electric cards from the office, we made arrangements for you all to receive free £25 worth of cards, as lock down was announced, in case of emergency. Please monitor your usage and contact us as soon as you start to get low. Please bear in mind that with lock down, in all reality, it will be at last 48 hours before you receive the new cards. The new cards will need to be paid for, over the phone, prior to being delivered/sent.


    If you live in one of our shared houses, block of flats or bedsits, please note that the regular communal cleaning is suspended until further notice. As the majority of you will be in lock down, we would appreciate it, if you could carry out some cleaning yourself.

    It is absolutely important that when living in a shared house or building with shared amenities such as kitchens, laundry rooms, bathrooms, shower rooms and wc's, you take all the precautions necessary, such as washing hands, keeping the correct distance from your housemates and if you feel poorly, informing your housemates to warn them and isolating yourself to prevent others getting ill.

    Please note that you cannot invite anyone from outside the property to visit you during lock down! We will take a dim view on anyone flouting this rule and putting others at jeopardy!


    For the foreseeable future, the offices with be manned between 12pm and 2pm weekdays, and 11am to 12pm on Saturdays, if it is imperative that you speak to someone (we will keep our website updated with our current hours) However, PropertyFile logs and emails are constantly monitored, so if you should always try these if you cannot get through during those times.