A letter of recommendation is evaluative and persuasive: it argues that someone is exceptional, usually for a competitive purpose like graduate school or a prestigious award. A reference letter is confirmatory and factual: it verifies who someone is and gives an honest assessment of their character and capabilities. References are typically shorter (half a page to one page) and more common in routine employment, tenancy, and professional contexts. Recommendations are longer and more carefully argued.
In most cases, yes. In the UK there is usually no legal duty to give a reference, with exceptions such as some FCA or PRA regulated roles or where a reference was agreed in writing. If you cannot write a genuinely positive reference, consider declining. A lukewarm or qualified reference can be more damaging than no reference at all. If asked, you can say "I don't think I'm able to give you the strongest reference for this purpose, and I wouldn't want to hold you back. Someone who knows your work more recently would serve you better."
A landlord reference should confirm: the tenant's name and the address they rented, the dates of tenancy, whether rent was paid on time and in full, the condition in which the property was left, and whether you would rent to them again. Keep to verifiable facts rather than character assessments. If rent was sometimes paid late, state this honestly. A reference should be accurate and fair, and a misleading one can create legal risk for the writer; if you are unsure what you can say, check with a legal adviser.
Most employers and landlords accept email or PDF references. Some formal contexts (visa applications, court references, professional body memberships) require original signed letters on headed paper. If the recipient requires a specific format, confirm this before writing. For employment references, many HR departments now verify references directly via phone or standardized form rather than requiring letters. Check what the requesting party actually needs before spending time on a formal letter they will not use.
For employment and tenancy references, usually not. Most employers and landlords ask for professional or academic references from someone who is not a personal connection, and a reference from a family member or close friend is often rejected. For personal character references in legal contexts such as court or visa applications, a letter from a community figure, teacher, employer, or member of clergy may be appropriate. The writer's relationship to the subject should always be clearly stated.