Housing & Rentals

Deposit schemes, tenancy tribunals, free legal advice, and scam reporting — for the UK, US, and Australia.

← All free resources

Tenancy deposit disputes, habitability complaints, and rental scams are among the most common housing problems tenants face. These are the official channels — all free, no solicitor needed. If your deposit was protected properly, the scheme that holds it must offer you free dispute resolution; if you're not sure who to contact for a repair, a scam, or an eviction notice, the sections below are organized by exactly that.

Need to write to your landlord? Use our free letter generator to draft a deposit dispute or repair-request letter.

Where your deposit is legally required to be held — a scheme, not the landlord. England & Wales, the US (state-by-state, no national scheme), and three Australian states. Scotland and Northern Ireland run their own separate schemes not covered here.

Check if your landlord has legally protected your deposit (England & Wales)

What: Searches all three government-approved deposit protection schemes (TDS, DPS and MyDeposits) in one place to verify your deposit is legally protected. England & Wales only — Scotland and Northern Ireland have their own separate schemes.

When to use: At the start of any tenancy, or before leaving a property. If your landlord hasn't protected your deposit within 30 days of receiving it, you can claim up to 3x the deposit amount in court.

Want to know more? Read our full guide →

Dispute unfair deposit deductions for free (DPS/mydeposits/TDS)

Tenancy Deposit Scheme (TDS) — Raise a Dispute tenancydepositscheme.com/raising-a-dispute →

What: Free Alternative Dispute Resolution service run by the scheme itself. You don't need a solicitor — just submit your evidence and the scheme adjudicates. The dispute service is the same free mechanism whichever of the three schemes below holds your deposit.

When to use: When your landlord proposes deposit deductions you consider unfair or exaggerated, and TDS is the scheme shown on your certificate.

Want to know more? Read our full guide →

Dispute a deposit held with DPS

What: Free dispute resolution for deposits protected with the DPS scheme.

When to use: If your deposit certificate shows DPS as the scheme and your landlord is withholding unfairly.

Want to know more? Read our full guide →

Dispute a deposit held with MyDeposits

What: Free dispute resolution for deposits protected with MyDeposits.

When to use: If your deposit certificate shows MyDeposits as the scheme.

Want to know more? Read our full guide → Security Deposit Dispute Tracker — template → Deposit Dispute Evidence Checklist →

Check your state's security deposit return laws (US — no national scheme)

HUD — Tenant Rights, Laws, and Protections by State hud.gov/topics/rental_assistance/tenantrights →

What: Official HUD directory linking to each US state's specific tenant rights resources, including security deposit deadlines and deduction rules. Unlike the UK, there is no single national US deposit protection scheme — rules and any registration requirement are set state by state, and this HUD directory is the starting point to find yours.

When to use: If your landlord hasn't returned your deposit or provided an itemized deduction list within your state's deadline.

Want to know more? Read our full guide → Generate your demand letter → Security Deposit Dispute Tracker — template → Deposit Dispute Evidence Checklist →

Register or claim a rental bond (New South Wales)

Rental Bonds Online — NSW Fair Trading rbo.fairtrading.nsw.gov.au →

What: The official NSW government portal for lodging, managing, and claiming back a rental bond online. Bond disputes that aren't resolved directly go to NCAT — see Section 2.

When to use: At the start of a NSW tenancy, or when claiming your bond back at the end of one.

Register or claim a rental bond (Victoria)

RTBA Online — Residential Tenancies Bond Authority rentalbonds.vic.gov.au →

What: The official Victorian government portal (migrated to this domain 1 December 2025) for lodging, managing, and claiming back a rental bond online. Bond disputes that aren't resolved directly go to VCAT — see Section 2.

When to use: At the start of a Victorian tenancy, or when claiming your bond back at the end of one.

Register or claim a rental bond (Queensland)

Residential Tenancies Authority (RTA) rta.qld.gov.au →

What: The official Queensland government body for lodging, managing, and refunding rental bonds. Bond disputes that aren't resolved directly go to QCAT — see Section 2.

When to use: At the start of a Queensland tenancy, or when claiming your bond back at the end of one.

Where a tenancy dispute actually gets formally decided, once direct resolution with the landlord fails.

Take a housing dispute to tribunal (England)

First-tier Tribunal (Property Chamber) gov.uk/housing-tribunals →

What: The official tribunal for residential property disputes in England — rent repayment orders, disrepair, service charges, and deposit-scheme-related applications the schemes themselves can't resolve.

When to use: For disputes beyond what a deposit scheme's own ADR service (Section 1) or Shelter/Citizens Advice (Section 4) can resolve directly.

Federal housing authority (US)

U.S. Department of Housing and Urban Development (HUD) hud.gov →

What: The federal housing authority — sets national policy and funds local programs, but does not itself operate as a tenancy tribunal. Actual eviction and landlord-tenant courts are state or local, and vary significantly — HUD's state-by-state tenant rights directory (Section 1) is the starting point to find yours.

When to use: As a starting point for federal housing policy and programs — for an actual dispute, you'll be routed to your state or local housing court.

Australian Tenancy Tribunals & Repairs Dispute Resources

State Tenancy Tribunals (Australia) NSW — NCAT →

What: The official tenancy-tribunal pathways for the main Australian states — where you formally dispute a bond deduction, or apply for a repair order when a landlord won't act. For registering or claiming a bond itself (not disputing it), see the state bond authorities in Section 1.

When to use: Use this when a landlord won't return your bond, is making deductions you believe are unfair, or won't complete repairs — including urgent safety or habitability issues. Note the bond dispute process varies by state: NSW, VIC and QLD run an automated, tenant-initiated claim process the moment you move out, but WA releases a bond only by mutual agreement or a magistrate's order — there is no automatic tenant-initiated claim clock.

Official pathways:
NSW — NCAT →
Victoria — VCAT →
Queensland — QCAT →
Western Australia — Bond Disputes (Magistrates Court) →

Generate your Notice to Remedy / Urgent Repairs letter → Want to know more? Read our full guide → Want to know more? Read our full guide →

Who actually inspects a property for a health or safety hazard — a distinct, more local function than the authorities and tribunals above.

Find your local council's environmental health team (UK)

GOV.UK — Find Your Local Council gov.uk/find-local-council →

What: Environmental health enforcement in the UK is run by individual local councils, not a single national body — this tool finds the specific council responsible for a given address.

When to use: To report a serious hazard (damp, mould, pest infestation, disrepair) your landlord isn't fixing, and request a council inspection.

Report a lead or health hazard (US)

HUD Office of Healthy Homes and Lead Hazard Control hud.gov/program_offices/healthy_homes →

What: Federal program and policy office for housing-related health hazards, particularly lead paint. Actual code enforcement and inspections are handled at the city or county level, not federally — this office is the policy starting point, not the inspector who shows up at your door.

When to use: To understand federal lead-hazard rules; for an actual inspection, contact your city or county code enforcement office directly.

Free advice and advocacy organizations — not government bodies, but often the fastest way to understand your actual rights before you act.

Get free emergency housing legal advice (UK)

Shelter England shelter.org.uk →

What: Free housing charity offering legal advice, emergency help, and template letters for tenants facing eviction, disrepair, deposit disputes, or illegal landlord behaviour.

Helpline: 0808 800 4444

When to use: Any housing problem where you need legal guidance quickly — Shelter's advice is equivalent to a solicitor consultation at no cost.

Want to know more? Read our full guide →

Understand your rights as a tenant before taking action (UK)

Citizens Advice Housing citizensadvice.org.uk/housing →

What: Free, comprehensive guidance on renting rights, eviction processes, repair obligations, and landlord disputes.

When to use: Before contacting your landlord formally — understand exactly what you're entitled to demand and what the landlord is legally required to provide.

Want to know more? Read our full guide →

National tenant legal advocacy (US)

National Housing Law Project nhlp.org →

What: A national legal advocacy organization for tenant rights — policy resources, legal guides, and connections to local legal aid.

When to use: To understand tenant protections that apply nationally or to find legal aid connections beyond your specific state's resources.

Low-income housing advocacy and research (US)

National Low Income Housing Coalition nlihc.org →

What: Research and advocacy organization focused on affordable housing policy, including state-by-state tenant protection tracking.

When to use: To research housing policy or affordable housing resources specific to your state.

Free tenant advocacy (New South Wales)

Tenants' Union of NSW tenants.org.au →

What: Free tenant advocacy and legal information specific to New South Wales. Other Australian states have their own separate tenants' unions, not included here yet.

When to use: If you're renting in NSW and want free advocacy support or plain-language guidance before escalating to NCAT.

Where to report a fraudulent listing or a scammer posing as a landlord or agent — separate from a dispute with a genuine landlord.

Report a rental scam (US)

FTC ReportFraud reportfraud.ftc.gov →

What: The FTC's official fraud-reporting portal, covering rental and listing scams alongside other consumer fraud.

When to use: If you've been scammed by a fake listing or a "landlord" who disappeared with a deposit.

Before Paying a Rental Deposit Checklist →

Report internet-based rental fraud (US)

FBI Internet Crime Complaint Center (IC3) ic3.gov →

What: The FBI's portal for reporting internet-facilitated crime, including online rental listing scams.

When to use: Alongside an FTC report, particularly if the scam involved a wire transfer or was clearly run from overseas.

Report a rental scam (UK)

What: The UK's national reporting centre for fraud and cybercrime, including rental and letting scams.

When to use: If you've paid a deposit or fee for a rental that turned out to be fake or non-existent.

Before Paying a Rental Deposit Checklist →

Report a rental scam (Australia)

Scamwatch (ACCC) scamwatch.gov.au →

What: The ACCC's official scam-reporting site, covering rental and accommodation scams.

When to use: If you've encountered a fake rental listing or been asked to pay a deposit before viewing a property that turned out not to exist.

Report a cross-border rental scam (EU)

European Consumer Centres Network (ECC-Net) See the ECC-Net entry in our Delivery & Parcels directory →

What: No single EU-wide rental-scam reporting body exists. ECC-Net — already listed in Kibbo's Delivery & Parcels directory — routes cross-border EU consumer complaints, including scams, to the right national body.

Independent redress schemes for a complaint against a letting agent or property manager — read the scope carefully, since coverage is narrower than it sounds.

Complain about a letting agent (UK) — agent complaints only

The Property Ombudsman (TPO) tpos.co.uk →

What: An independent redress scheme for complaints about a letting agent or property manager that's a TPO member — not a general landlord ombudsman. If your landlord manages the property directly without a scheme-member agent, TPO does not cover your complaint.

When to use: Only for a dispute with a letting agent or managing agent, after their own internal complaints process. A separate PRS Landlord Ombudsman is planned under the Renters' Rights Act 2025 but is not yet operational (expected around 2028) — do not assume direct landlord complaints are covered today by either scheme.

Complain about a letting agent (UK) — alternative scheme, agent complaints only

The Property Redress Scheme (PRS) theprs.co.uk →

What: The alternative independent redress scheme for letting/property agents — every agent must belong to either TPO or PRS, not both. Same scope limit as TPO: agent complaints only, not direct landlord complaints, until the planned PRS Landlord Ombudsman (Renters' Rights Act 2025) becomes operational, expected around 2028.

When to use: Check which scheme your specific letting agent belongs to before submitting — most agents display this, or you can ask them directly.

The platforms' own trust & safety / help centers — for a listing, booking, or damage-claim dispute conducted through the platform, start here before escalating externally.

Airbnb Help Center

What: Airbnb's official guidance on the resolution process for damage claims, disputes, and cancellations between guests and hosts.

When to use: For a damage claim or booking dispute conducted on the Airbnb platform.

Airbnb / Booking Damage Claim Checklist →

Booking.com Help Center

What: Booking.com's official help center, covering reservation, cancellation, and property-dispute support.

When to use: For a booking or damage-related dispute conducted on the Booking.com platform.

Airbnb / Booking Damage Claim Checklist →

Report a scam listing (Zillow)

What: Zillow's official guidance on recognizing and avoiding rental scams, including how to report a specific fraudulent listing directly from the listing page.

When to use: Before paying anything for a listing found on Zillow that shows scam warning signs.

Before Paying a Rental Deposit Checklist →

For a monetary dispute that other channels haven't resolved. Deliberately narrow for now — not a full jurisdiction-by-jurisdiction directory yet.

Sue for a housing-related debt without a solicitor (England & Wales)

Money Claim Online (MCOL) moneyclaim.gov.uk →

What: The official online small claims service for England and Wales — for recovering money owed (e.g. an unreturned deposit beyond what a scheme's ADR service can award, or unpaid rent).

When to use: Once direct resolution, and any applicable deposit-scheme ADR (Section 1) or tribunal route (Section 2), hasn't resolved a monetary dispute.

Official calculation and lodgement tools — cross-referenced to Section 1 rather than listed again separately, since each is already built into that scheme or authority's own portal.

Bond and deposit calculators are inside the Section 1 portals

See Section 1 · Deposit Protection Schemes Jump to Section 1 →

What: DPS, mydeposits and TDS (UK) each include their own dispute/deduction calculators within their existing dispute-resolution portals. NSW Rental Bonds Online, Victoria's RTBA Online, and Queensland's RTA each include bond calculation and lodgement tools within their existing portals too. No official national bond calculator exists in the US, and no single EU-wide tool exists — both are correctly omitted rather than invented.