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Welfare reforms such as the bedroom tax contributed to an 18% rise in repossession actions by social landlords in 2013-14, a trend expected to rise as arrears increase and temporary financial support shrinks.
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Debt charity StepChange said the proportion of people coming to it with fuel arrears increased to 11% in 2012.
Tenants described how sanctions trigger debt and arrears, increasing the chance of eviction and cut-offs of electricity.
Tenant arrears increased last month for the first time since April, with almost 11% of all UK rent unpaid or late by the end of August.
She used loans from a cousin and money she made doing hair and preparing tax returns to help pay her standard portion of the rent, but without Section 8, her arrears increased.
The number of people seeking help from Citizens Advice on housing association rent arrears increased by 6% in the first quarter of 2013-14, and there was also a 165% rise in the number of people who sought advice on discretionary housing payments – a council controlled crisis fund for people struggling with housing costs – compared with the same period the previous year.
"Not providing those who are financially vulnerable with protection will increase their risk of falling into debt, but could also threaten future building of much-needed new affordable homes if it leads to rent arrears increasing," said David Orr, the federation's chief executive.
Your Move says the proportion of tenants in arrears increased to 9.1percentt of tenants in March from 8.1percentt a year earlier.
"84% of associations believe that rent arrears will increase as a direct result of welfare changes.
This was unchanged from the previous quarter, although the number of homes in serious arrears did increase by 400 to 23,700 during the period July-September.
The agency said that should a vote to leave the EU have a bigger negative impact on the UK economy than it is expecting, mortgage arrears would increase among self employed borrowers.
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