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  • FIRST POST
    • MSE Archna
    • By MSE Archna 6th Oct 06, 7:00 PM
    • 1,872Posts
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    MSE Archna
    Council Tax Cost Cutting: reduce your band and grab any discounts Discussion Area
    • #1
    • 6th Oct 06, 7:00 PM
    Council Tax Cost Cutting: reduce your band and grab any discounts Discussion Area 6th Oct 06 at 7:00 PM
    This thread is here to discuss the content of the article on Council Tax Cashback: reduce your band and save £1000s.

    However if you have already followed the system, please use report them in the Council tax rebanding successes discussion.

    Note from Martin: Thank you to all the contributers to the initial thread, which provided the genisis for the article. Much appreciated.


    Last edited by MSE Archna; 10-06-2010 at 4:39 PM.
    Report inappropriate posts: forumteam@moneysavingexpert.com




Page 244
    • lincroft1710
    • By lincroft1710 8th Sep 16, 1:53 PM
    • 8,466 Posts
    • 6,101 Thanks
    lincroft1710
    What is the situation if the house was not actually build in 1991 but I believe the house was put into the wrong Council Tax band ? How can I find out the value of a house build after 1991 ?
    Originally posted by the.crazyone
    You can only ever get an approximation, house price indices and other online tools are inaccurate. Look for other similar houses nearby are they in the same or different bands.

    Why do you think your band is wrong?
    • NorthernLights2c
    • By NorthernLights2c 14th Sep 16, 7:46 PM
    • 5 Posts
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    NorthernLights2c
    Hi, Can anyone help?

    We are challenging our council tax band, trouble is they have written back to say it is after the 6 month deadline of when we moved in. We were not aware that we can challenge,

    We will appeal this initial decision, BUT are there any thing we can say to help our appeal, other we did nor know it had to be within 6 months of moving?

    Thank you

    Chris
    • lincroft1710
    • By lincroft1710 15th Sep 16, 5:52 PM
    • 8,466 Posts
    • 6,101 Thanks
    lincroft1710
    Hi, Can anyone help?

    We are challenging our council tax band, trouble is they have written back to say it is after the 6 month deadline of when we moved in. We were not aware that we can challenge,

    We will appeal this initial decision, BUT are there any thing we can say to help our appeal, other we did nor know it had to be within 6 months of moving?

    Thank you

    Chris
    Originally posted by NorthernLights2c
    No point appealing the outside 6 month time limit, you would be wasting your time, the time of the VOA and the time of the Valuation Tribunal. Saying you were unaware of the time limit will get you nowhere.

    Basically if the appeal is out of time, that's it!

    Much more productive would be to acknowledge the appeal is out of time, but ask the VOA if they would in any case, review the band. You should have a reason why you think the band is wrong and if you know of other similar houses in the vicinity in a lower band, you should provide details of these to the VOA.
    • stuarta99
    • By stuarta99 22nd Sep 16, 1:40 PM
    • 57 Posts
    • 5 Thanks
    stuarta99
    Hi there,

    Not sure whether to claim on mine or not. Basically in my close there are a mixture of houses including some 3 bed terraced Band C's, semi D's like my own and some 4 bed Band E's. In the Exeter location, as far as I'm aware every other 3 bed semi is Band C, even including my parents house which is far larger, but for some reason ours is a D.

    I've checked on the valuation site and tried a few figures before we purchased it in Sep 2013 for £190k which equates to £59,637 in the calculator, although it was on the market for £210k which is £65,915. The upper limit for the banding is £68,000.

    I have claimed before on a Band B flat whereas every other flat is A and was rejected.

    Can anyone advise?
    • lincroft1710
    • By lincroft1710 22nd Sep 16, 2:12 PM
    • 8,466 Posts
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    lincroft1710
    semi D's like my own and some 4 bed Band E's. In the Exeter location, as far as I'm aware every other 3 bed semi is Band C, even including my parents house which is far larger, but for some reason ours is a D.

    Can anyone advise?
    Originally posted by stuarta99
    Ask why yours is Band D, when others (quote addresses) are Band C. As there is a possibility your parents' house may be underbanded, don't quote theirs!
    • stuarta99
    • By stuarta99 22nd Sep 16, 3:26 PM
    • 57 Posts
    • 5 Thanks
    stuarta99
    yeah not just my parents, I think the majority of 3 bed semis in Exeter are C. With regards my address it's the terraced that are C, semis D. I'll ask the question then
    • Daisypilk
    • By Daisypilk 24th Sep 16, 10:25 AM
    • 1 Posts
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    Daisypilk
    Can anyone advise please? Ive done the checl on MSE and whilst im in same band as neigbours, when i do the check on prices from 1991 i think we are banded too high. Is t worth the claim?
    • lincroft1710
    • By lincroft1710 24th Sep 16, 2:17 PM
    • 8,466 Posts
    • 6,101 Thanks
    lincroft1710
    Can anyone advise please? Ive done the checl on MSE and whilst im in same band as neigbours, when i do the check on prices from 1991 i think we are banded too high. Is t worth the claim?
    Originally posted by Daisypilk
    All house price indices are inaccurate and tend to give too low a figure for 1991. Evidence of similar houses nearby in a lower band would be a better reason for a claim.
    • mongooseman
    • By mongooseman 26th Sep 16, 11:56 AM
    • 1 Posts
    • 0 Thanks
    mongooseman
    Shall I try???
    I bought my house in 02 for £37,000 and the calculator says it was worth £27,000 in 91.

    Only problem is all the houses on my terrace which is a block of maybe 10 houses are in band B. Are they all wrong?? What should I do? Any Ideas??
    • lincroft1710
    • By lincroft1710 26th Sep 16, 2:17 PM
    • 8,466 Posts
    • 6,101 Thanks
    lincroft1710
    I bought my house in 02 for £37,000 and the calculator says it was worth £27,000 in 91.

    Only problem is all the houses on my terrace which is a block of maybe 10 houses are in band B. Are they all wrong?? What should I do? Any Ideas??
    Originally posted by mongooseman
    £37,000 seems low for a house in 2002. See if you can find any similar terrace houses nearby in Band A.
    • Enigmatic Me
    • By Enigmatic Me 8th Oct 16, 3:44 PM
    • 1,291 Posts
    • 12,795 Thanks
    Enigmatic Me
    We are in a new build house that was built in 2015 and the actual valuation was £185,000. We have been put into band F (£80,001 - £106,000).

    How do you get an estimate of what your property would have been worth if it had been built in 1991?
    The best things in life are free.....
    • lolbeck
    • By lolbeck 10th Oct 16, 3:08 PM
    • 33 Posts
    • 52 Thanks
    lolbeck
    Advice please.
    I have long thought we might be in the wrong council tax band but have done nothing about it.
    Have just had a good read through of the advice on MSE but am in a slightly difficult situation. We live fairly rurally with a mix match of properties and don't have any comparable properties nearby. We live in a 1960s two bed detached bungalow - built as a farm bungalow - and have one reception room. We have extended to the back but this was since we bought the property in 1993 and it has just made one bedroom bigger and replaced the falling down utility room.
    We are in band D despite only paying £64k for the bungalow in 1993. I have looked at the bandings link and we are in the same band as the four bedroomed cottage next door, a three bedroomed detached house down the road and are just one band below the three storey farm house to which the bungalow used to belong.
    Because I am struggling to find sold prices or valuations for neighbouring properties that far back, I am not sure whether a two bed bungalow is equivalent to a three or four bedroomed house..........I doubt it as next door sold for £285k in 2007 which makes it valued at £100k in 1991.......
    Thoughts please as, whilst I don't want to rock the boat for neighbours, neither do I want to subsidise their council tax if we are overpaying.........
    Many thanks.
    Laura
    • CIS
    • By CIS 10th Oct 16, 5:46 PM
    • 9,404 Posts
    • 5,316 Thanks
    CIS
    A Band D property was worth between £68 and £88k on the open market - the valuation office's valuation doesn't have to match what you paid for it. They may be of the opinion you paid less than open market value for it and that the property was worth more.

    You can ask them to double check the banding - in 15/16 less than 0.1% of cases resulted in an increase.

    Craig
    Last edited by CIS; 10-10-2016 at 5:57 PM.
    I no longer work in Council Tax Recovery as I'm now a self employed Council Tax advisor and consultant with my own Council Tax consultancy business. My views are my own reading of the law and you should always check with the local authority in question.
    • lincroft1710
    • By lincroft1710 10th Oct 16, 7:37 PM
    • 8,466 Posts
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    lincroft1710
    1993 house prices were around 20% less than those in 1991
    • lolbeck
    • By lolbeck 11th Oct 16, 7:01 AM
    • 33 Posts
    • 52 Thanks
    lolbeck
    Thanks both. I might give them a ring and enquire.
    • Powerhour60
    • By Powerhour60 17th Oct 16, 12:38 PM
    • 1 Posts
    • 1 Thanks
    Powerhour60
    We challenged our council tax band 4 years after moving in. We are on an estate of houses built in 1998 - though a few (larger ones) were build independently before that. The builder Wayne Homes built a range of 4 bedroomed detached houses - all with double garage, and all with at least 1 ensuite. All but 2 are placed in band F. Ours and one other are in band G. Some of the band F houses have an extra bathroom, and many have had extensions. When we bought the house in 2008 for £365,000, some band F houses were on the market for more than we paid for ours. Our challenge was rejected because the VOA believe that our property is 15% larger than the others. I doubt it having been in some of the others, and given that we have no more rooms and in some cases fewer. The council tax calculator on your site shows we should have been firmly in Band F. Given that we have tried and failed to get it reviewed in the past, is it worth trying again, and if so, how?
    • CIS
    • By CIS 17th Oct 16, 12:45 PM
    • 9,404 Posts
    • 5,316 Thanks
    CIS
    We challenged our council tax band 4 years after moving in. We are on an estate of houses built in 1998 - though a few (larger ones) were build independently before that. The builder Wayne Homes built a range of 4 bedroomed detached houses - all with double garage, and all with at least 1 ensuite. All but 2 are placed in band F. Ours and one other are in band G. Some of the band F houses have an extra bathroom, and many have had extensions. When we bought the house in 2008 for £365,000, some band F houses were on the market for more than we paid for ours. Our challenge was rejected because the VOA believe that our property is 15% larger than the others. I doubt it having been in some of the others, and given that we have no more rooms and in some cases fewer. The council tax calculator on your site shows we should have been firmly in Band F. Given that we have tried and failed to get it reviewed in the past, is it worth trying again, and if so, how?
    Originally posted by Powerhour60
    Glad to see you found your way here .

    Craig
    I no longer work in Council Tax Recovery as I'm now a self employed Council Tax advisor and consultant with my own Council Tax consultancy business. My views are my own reading of the law and you should always check with the local authority in question.
    • lincroft1710
    • By lincroft1710 17th Oct 16, 2:11 PM
    • 8,466 Posts
    • 6,101 Thanks
    lincroft1710
    Our challenge was rejected because the VOA believe that our property is 15% larger than the others. I doubt it having been in some of the others, and given that we have no more rooms and in some cases fewer. The council tax calculator on your site shows we should have been firmly in Band F. Given that we have tried and failed to get it reviewed in the past, is it worth trying again, and if so, how?
    Originally posted by Powerhour60
    Ask the VOA to re-measure as you believe the measurements are incorrect. However there is a possibility they may have undermeasured the Band Fs, which may mean their bands could be increased
    • retireetobe
    • By retireetobe 17th Oct 16, 9:03 PM
    • 4 Posts
    • 4 Thanks
    retireetobe
    Council tax reband claim after death?
    Hello, bit of a strange one. I am executor for a relative who co-incidentally has lived next door to me since 1986. He died three weeks ago so I have received his final council tax bill. Our house is identical in size to his BUT he was a hoarder and the house is in terrible condition - no kitchen, barely a bathroom, not been modernised since it was built over 100 yrs ago, no heating, dangerous wiring etc etc. Dreadful. I was shocked to see he has been paying the same council tax as me (E) all these years. I'd just assumed it would be lower than mine (mine is the same as most on this street).

    I appreciate that as he has passed away it is too late for him. However, he has left the house to his adult son. Unfortunately the son has no money to modernise it, so if he is eligible to be considered for a council tax banding reclaim/backdate it would help him massively. Do you think there's any chance it could be looked into after his death?
    • lincroft1710
    • By lincroft1710 18th Oct 16, 1:56 PM
    • 8,466 Posts
    • 6,101 Thanks
    lincroft1710

    I appreciate that as he has passed away it is too late for him. However, he has left the house to his adult son. Unfortunately the son has no money to modernise it, so if he is eligible to be considered for a council tax banding reclaim/backdate it would help him massively. Do you think there's any chance it could be looked into after his death?
    Originally posted by retireetobe
    If you are the executor, you can ask the VOA to review the CT band, but no allowance can be made for the house being in poor repair. The son can appeal the band when he becomes the owner
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