few questions- council tAX AND bank accounts

movingforward2010

When BR on Friday, i put down my council tax arrears for my house which was repo'd in march 09. I was told by the lady in the court I couldnt put it down and i would have to continue to pay the arrears (which i haven't included in my SOA).

Is this right? the CAB told me it would be included

Also I am going to open a barclays cash card account tomorrow, what will i have to take with me - I.D, etc?

thank you:)

tigerfeet2006

Yes the council tax bill should be included in your BR.

You will need photo id eg: passport, driving license and a utility bill in your name and address.

movingforward2010

cant understand why i was told i couldnt then ?? even the lady at the OR office said i couldnt because the council had gone to court to get an order ..?



is it ok to open the account before my interview with the OR - which is 1st july at 2.30 eeek

tigerfeet2006

Yes it is ok to open an account when ever you want.

Bear with me while I go and do some research.

movingforward2010

tigerfeet2006 wrote: »

Yes it is ok to open an account when ever you want.

Bear with me while I go and do some research.

thank you:o

tigerfeet2006

Brain is not working at the moment and I can't find the bit I want but as it has been to court I THINK that you continue to pay the arrears while you are BR and when you are discharged the balance is then written off at the end. Hopefully someone can confirm that for me or tell me I am talking utter b@ll@cks.

movingforward2010

tigerfeet2006 wrote: »

Brain is not working at the moment and I can't find the bit I want but as it has been to court I THINK that you continue to pay the arrears while you are BR and when you are discharged the balance is then written off at the end. Hopefully someone can confirm that for me or tell me I am talking utter b@ll@cks.

i know this sounds bad, but i hope i do still have to pay it, as it will stop me getting an IPO :o

blind-as-a-bat_2

33.194B – Council Tax (amended November 2008)

Council Tax is a local tax set by local councils to help pay for local services [Note 12]. There is one council tax bill for each dwelling, whether it is a house, bungalow, flat maisonette, mobile home or houseboat, and whether it is owned or rented. Generally speaking the occupier(s) of the property are the liable person(s) for the payment of the tax with some limited exceptions [Note 13] .

Council tax is charged on a yearly basis from 1 April each year [Note 14] but the liability to pay council tax is determined on a daily basis [Note 15] The billing authority is required to make a demand for payment of the council tax separate to the notification of the amount of council tax and the tax becomes due when that demand is made but most council tax payers agree a statutory monthly payment scheme for payment of council tax [Note 16].

Any amount due and unpaid under the instalment agreement prior to the insolvency order is an unsecured debt in the proceedings [Note 17]. If the bankrupt's council tax is up to date under the instalment agreement at the date of the bankruptcy order, no amount is provable in the bankruptcy as it relates to future occupation of the dwelling. The bankrupt is liable to pay council tax after the date of the bankruptcy order. Where a liability order has been obtained by the council, prior to the bankruptcy order being made, then the whole debt as notified within the liability order becomes due and it is therefore a provable debt as defined in paragraph 40.12.



33.194C – Council tax exemptions – trustee in bankruptcy (amended November 2008)

Where a property is unoccupied, generally speaking, the legal owner of the property is liable for payment of council tax. A property is exempt from the council tax provisions where the liable person is a trustee in bankruptcy or the property has been taken into possession by a mortgagee under the terms of a mortgage on the property concerned [Note 18]. The exemptions apply even if the unoccupied property remains furnished. In addition the exemption will still apply if the trustee is jointly liable with someone

is this what your looking for TF?

They keep amending the CT bit so im not surprised no one has a clue:rolleyes:

blind-as-a-bat_2

There is more here if its not
http://www.insolvency.gov.uk/freedomofinformation/technical/TechnicalManual/Ch37-48/chapter40/part6/part6.htm

movingforward2010

'Where a liability order has been obtained by the council, prior to the bankruptcy order being made, then the whole debt as notified within the liability order becomes due and it is therefore a provable debt as defined in paragraph 40.12.'

I think this means i pay it then

blind-as-a-bat_2

wxmlad wrote: »

'Where a liability order has been obtained by the council, prior to the bankruptcy order being made, then the whole debt as notified within the liability order becomes due and it is therefore a provable debt as defined in paragraph 40.12.'

I think this means i pay it then

No, a provable debt in BR means it is included in the BR