Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • SwayZ
    • By SwayZ 30th Aug 16, 10:36 PM
    • 2Posts
    • 0Thanks
    SwayZ
    Council Tax debt
    • #1
    • 30th Aug 16, 10:36 PM
    Council Tax debt 30th Aug 16 at 10:36 PM
    Just found out that mam hasn't been paying her council tax for the last 18 months and would like some advice please.

    She's been diagnosed with PTSD and has been burying her head in the sand with the anxiety erc.

    She has two bills, 2015-16 £1700 which had went to bailiffs and got sent back to council because they couldn't get it. 2016-17 £1890 is with Jacobs bailiffs and they have been sending threatening letters which also say they'll add £225 for each visit they make.

    Any advice please
Page 1
    • McKneff
    • By McKneff 30th Aug 16, 10:42 PM
    • 34,730 Posts
    • 44,715 Thanks
    McKneff
    • #2
    • 30th Aug 16, 10:42 PM
    • #2
    • 30th Aug 16, 10:42 PM
    pay the council tax,

    Council tax debt will never go away,

    Bailiffs will keep on adding to the debt till the debt is paid

    Does she have anything of value she can sell, is there any family that can help out.
    No one can make you feel inferior without your consent
    • Muttipops
    • By Muttipops 30th Aug 16, 10:45 PM
    • 267 Posts
    • 270 Thanks
    Muttipops
    • #3
    • 30th Aug 16, 10:45 PM
    • #3
    • 30th Aug 16, 10:45 PM
    Make sure she is receiving all the benefits she should by going to Citizens Advice Bureau.
    • sourcrates
    • By sourcrates 30th Aug 16, 11:40 PM
    • 8,303 Posts
    • 8,132 Thanks
    sourcrates
    • #4
    • 30th Aug 16, 11:40 PM
    • #4
    • 30th Aug 16, 11:40 PM
    She needs to get some advice on this, possibly National Debtline can help.

    She will have to set up some kind of payment plan with the council.

    Is she claiming council tax reduction at all ?

    All this needs looking into before the situation escalates.

    For free debt advice please call National Debtline on
    0808 808 4000
    Monday to Friday
    9am to 9pm
    Saturday 9.30am to 1pm
  • National Debtline
    • #5
    • 31st Aug 16, 10:23 AM
    • #5
    • 31st Aug 16, 10:23 AM
    Hi SwayZ and welcome to MSE,


    Council tax bailiffs can only come inside her home if she lets them in or if they find open or unlocked access, so make sure from now on her home is secure and she does not let the bailiffs in. Also ensure anything valuable outside (like a car) is hidden. If she has already let the bailiffs in she will need more detailed advice ASAP.


    The bailiffs are able to charge a £75 compliance fee per liability order/ year of council tax owed and they can also charge a £235 enforcement fee. This can only be charged once per liability order, irrespective of how many times they visit. Without a controlled goods agreement there are no more fees.


    Realistically, your mum needs to write/ email the council and ask them to take the debt back on the grounds of vulnerability. They may need to see evidence of her health issues by way of a letter from a medical professional and she should also include a SOA to make an offer to pay the debt. Good luck,


    Laura
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • SwayZ
    • By SwayZ 31st Aug 16, 10:57 AM
    • 2 Posts
    • 0 Thanks
    SwayZ
    • #6
    • 31st Aug 16, 10:57 AM
    • #6
    • 31st Aug 16, 10:57 AM
    Thanks for all the replies.

    She gets no benefits at all, she was on ESA while they did they assessment but they said she couldn't have it and she wouldn't appeal no matter how hard I tried.

    She has no income at all apart from what me and my brother have given her but we didn't realise it was this bad, but we're going to sort it.

    I did a benefits calculator and it looks like she is entitled to ESA and PIP, I'm not sure what else. If anybody has any ideas of others that would be great.

    I'm going to have to apply over the phone for her as she doesn't leave the house much (Nearly 3 weeks). She doesn't even want benefits after her first experience triggered her anxiety badly.

    Ideally I would like the second council tax bill back to the council.

    Any thoughts
  • National Debtline
    • #7
    • 31st Aug 16, 11:24 AM
    • #7
    • 31st Aug 16, 11:24 AM
    It's a very difficult situation, because it would seem she may have been able to claim council tax support for this year but without submitting the claim the monthly instalments are due as normal, which are obviously unaffordable based on what you have said.


    Write or email the council and emphasise her vulnerability and include evidence of this and then ask them to take the matter back. To consider this they will likely want to see a clear plan to prevent this situation happening again in April 2017 (i.e. that she will be claiming the correct benefits). Look for what local support she can get from benefit specialists to assist with benefit claims. If there isn't much she should be able to make someone her appointee and then they would be able to apply for benefits on her behalf.


    The minimum offer to the arrears is £3.70per week. If she was able to claim ESA she could offer to the council that this be deducted from her benefits directly so she doesn't miss a payment.


    Laura
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • MSE Andrea
    • By MSE Andrea 31st Aug 16, 1:51 PM
    • 7,904 Posts
    • 19,719 Thanks
    MSE Andrea
    • #8
    • 31st Aug 16, 1:51 PM
    • #8
    • 31st Aug 16, 1:51 PM
    Hi!

    Great help above. Our Mental Health and Debt guide could help.

    Take care

    Andrea

    Follow MSE on other Social Media:
    MSE Facebook, MSE Twitter, MSE Deals Facebook, MSE Deals Twitter, Forum Twitter, Instagram, Pinterest
    Join the MSE Forum
    Get the Free MoneySavingExpert Money Tips E-mail
    Report inappropriate posts: click the report button
    Point out a rate/product change
    Flag a news story: news@moneysavingexpert.com
    • AMBERSHADOW
    • By AMBERSHADOW 5th Sep 16, 3:37 PM
    • 497 Posts
    • 110 Thanks
    AMBERSHADOW
    • #9
    • 5th Sep 16, 3:37 PM
    • #9
    • 5th Sep 16, 3:37 PM
    Hi SwayZ and welcome to MSE,


    Council tax bailiffs can only come inside her home if she lets them in or if they find open or unlocked access, so make sure from now on her home is secure and she does not let the bailiffs in. Also ensure anything valuable outside (like a car) is hidden. If she has already let the bailiffs in she will need more detailed advice ASAP.


    The bailiffs are able to charge a £75 compliance fee per liability order/ year of council tax owed and they can also charge a £235 enforcement fee. This can only be charged once per liability order, irrespective of how many times they visit. Without a controlled goods agreement there are no more fees.


    Realistically, your mum needs to write/ email the council and ask them to take the debt back on the grounds of vulnerability. They may need to see evidence of her health issues by way of a letter from a medical professional and she should also include a SOA to make an offer to pay the debt. Good luck,


    Laura
    @natdebtline
    Originally posted by National Debtline


    HI


    I am sorry to hijack but the 235 your talking about .. you say can only be added once? what about the interest they say they can add
    • AMBERSHADOW
    • By AMBERSHADOW 5th Sep 16, 3:38 PM
    • 497 Posts
    • 110 Thanks
    AMBERSHADOW
    Mine is with Reventus and one visit is 235 plus so much interest on the amount owed so they told me?
  • National Debtline
    Hi Ambershadow


    Is yours a council tax debt as well? The fees are set in law, they can't charge interest on top.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • AMBERSHADOW
    • By AMBERSHADOW 11th Oct 16, 11:05 AM
    • 497 Posts
    • 110 Thanks
    AMBERSHADOW
    Hi Ambershadow


    Is yours a council tax debt as well? The fees are set in law, they can't charge interest on top.


    Dennis
    @natdebtline
    Originally posted by National Debtline


    yes they are Dennis


    But I have on the letter they can charge that amount and interest for the amount you owe
    • CIS
    • By CIS 11th Oct 16, 1:16 PM
    • 9,386 Posts
    • 5,309 Thanks
    CIS
    yes they are Dennis


    But I have on the letter they can charge that amount and interest for the amount you owe
    Originally posted by AMBERSHADOW
    They cannot charge interest for Council Tax. There are some situations where a fee is worked out as a % but there's no interest.

    Are you able to post a copy of the letter (with personal details blanked out).

    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.
  • National Debtline
    They cannot charge interest for Council Tax. There are some situations where a fee is worked out as a % but there's no interest.
    Originally posted by CIS

    Indeed!


    Ambershadow - if this enforcement firm is actually suggesting in writing that they can charge interest, then they are either seriously misinformed or they are misleading you; either way it's a poor show and you should consider a complaint if they don't backtrack on this claim.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,281Posts Today

7,127Users online

Martin's Twitter
  • It's not fair or accurate to assign all leave voters (nor remainers) one voice. The vote may have been binary but t? https://t.co/QMqKrfY1jv

  • That's cos the UK voted for Brexit. The choice now unless something radical happens is what type. (Plus twitter o? https://t.co/SLmh2jL4bU

  • Todays twitter poll: The lib dem leader says more people now want soft brexit (ie still in single market etc) than hard - what do you want?

  • Follow Martin