Each homeowner is provided with their own unique ng Property Scotland (Limited) payment card which is designed to make your payments quick, easy and convenient. If you have a bank or building society account, the easiest and most reliable way to pay your management services account is by Direct Debit as this cuts out unnecessary administration by other third parties.
To help you keep your payments manageable, you can make your Direct Debit payments weekly, fortnightly, monthly.
Every Direct Debit benefits from:
- An immediate money back guarantee (if a mistake has been made) by your bank or building society
- Advance notice if the date or amount changes
- The right to cancel the Direct Debit at any time
NGPS Payment Card
Use your NGPS card to pay by cash at any store displaying the Pay Point symbol. Your NGPS card is not a credit card or debit card and is supplied only to ensure that your money reaches your unique account. Please call us on 0141 560 6000 to request your card.
Use your NGPS payment card to pay by cash, cheque or bank card at any Post Office.
Please visit the Allpay website and have your NGPS payment card and bank card handy.
You can pay during office hours using your bank card by phone or in person at either of our offices in Springburn or Possilpark.
To call out with office hours, please call 0844 557 8321. You will need your NGPS payment card and bank card to use this facility.
Should be made payable to ng Property Scotland (Limited). Please write your account number, name and address on the reverse. You should allow 7 working days for cheques to be credited to your account.
Contact our Property services staff on 0141 560 6000 for more information on any of these payment methods.
Please note that we do not have the facilities to accept cash payments at either of our offices.
Invoices are normally raised and issued on a quarterly basis per the following schedule:
- Q1 - 1 April – 30 June
- Q2 - 1 July – 30 September
- Q3 - 1 October – 31 December
- Q4 - 1 January – 31 March
All invoices will routinely include the Factor's Management Fee and the buildings insurance premium. Separate invoices will be issued for your share of any common property repairs and any property management services arising during the period.
Separate invoices will include your share of any cyclical maintenance or planned investment costs.
A small number of invoices may from time to time include administrative or legal costs specifically attributable to your account.
All invoices will carry forward any outstanding balance from the previous period.
Invoices are generally issued within one calendar month of the previous period end.
The Deed of Conditions
The Deed of Conditions makes it clear that each and every Homeowner has an obligation to pay their share of costs.
What is often misunderstood is that this obligation and burden can extend to each other as the Deed of Conditions often provides a mechanism whereby certain costs unpaid by one homeowner can actually fall to be paid by the remaining homeowners in the block.
Therefore, not only does the Factor have an obligation to pursue non payment of its own costs and charges, the Factor has an obligation to try and avoid situations where additional costs become a burden for homeowners due to the continued non payment of others.
In most cases, ng Property Scotland (Limited) has already paid the homeowners' share of insurance premiums, repairs and servicing costs. This is not a benefit you would enjoy if the services were being provided by a private Factor who would insist on all payments in full and in advance. In order for ng Property Scotland (Limited) to continue providing this benefit, it is vitally important that you settle invoices promptly, preferably by Direct Debit or within 14 days using any of the other payment methods.
Homeowners who anticipate having difficulty making a payment should contact us as a matter of urgency. We will provide debt counselling, debt management and welfare benefit advice free of charge and generally do everything we can to agree repayment plans that are fair and reasonable.
Where homeowners consistently avoid meeting their financial obligations, or fail to agree satisfactory payment arrangements, or fail to meet the terms of a previous agreement, we will instruct legal action or implement other appropriate debt recovery methods to recover monies owed. The cost of such will be recovered together with the original debt. Measures to ensure payment prior to the sale of any Property such as Notices of Potential Liability may also be put in place.
Included within the Title Deeds and other legislation is the facility to charge interest on overdue balances. This is generally stated as a percentage over the base rate with 8% being a typical excess charge. In instances where legal action for recovery of debts is unavoidable, interest may be applied. Interest may also apply where any element of an account is overdue by one year or more.
ng Property Scotland (Limited) has no desire to levy interest charges but may do so in certain circumstances in order to comply with Deeds of Conditions, while protecting the rights of all homeowners and ensuring the continuing provision of services.