Council tax

Sunshine2114

Quick question,,, I still have my mortgaged property as I'm waiting for NRAM to take reposession, I've only just missed my first mortgage payment so believe its approx 9 months it takes.

I spoke to council tax who said I have to pay for both properties now at full price as class c no longer laid from April ,,,n they told me not to pay the council tax on my mortgaged property and add it to the BR that ill be doing in June once my IVA has officially failed but told me from then I will be liable for full council tax till NRAM take possession of home ... I told them after completing my SOA I have surplus of approx £50 so can't afford the monthly council tax of £110 after BR so what can I do as up till June I'm covered as can be put in BR BUT FROM THEN TILL NRAM take over I can't afford but will be declared BR

sniggings

they can take reduced payments, or if on benefits you can get it taken out of them, around £3.55 a week is the max they can take out of benefits.

tigerfeet2006

This new ruling is going to be fun. Looks like people will have to delay BR until houses have been repo'd after April.

dancingfairy

Why have you got to wait until June for the IVA to fail? Cant you get them to fail it quicker?
Also can you pay the council tax on your current property (I'm not sure how they would split the bill - whether you would have 2 bills or whether it's all lumped on the same bill)?

df

Sunshine2114

I'm in paid employment as is husband so no taking out if benefits ... We have asked to be failed and got letter stating its failed but said takes 3/4 months for official certificate from OR as they have a big back log..

We hand two bills one for each property n they have different references ... They asked me to hold off BR till house repossessed but that's more stressful as creditors chase me ..,

They won't even offer 25% discount on price which is mad as if I was single I'd get that so why 100% on empty property ..

I'm just stressed that once BR done I'm gonna get more debt then they will apply for attachment if earnings it send bailiffs n after citizen advice and national rent helpline done my SOA I'm £55 surplus so it's a negative if £55 a month

This ruling is really pants

Find_The_Real

Have you checked to see what would happen to the council tax if you were to go BR and a what point the arrears would fall into it? NRAM took a year to repossess my house so they are obviously in no hurry from when the last payment was made.

The Insolvency service at BIS have a few notes on their website about the debt but perhaps it would be worth just giving them a ring to get them to explain the situation to you and any questions you may have.

http://www.bis.gov.uk/insolvency/personal-insolvency/bankruptcy-debts#council-tax-arrears

Insolvency on 0845 602 9848
8am - 5pm

Sorry I can't help you further but good luck and I hope you get it sorted out.

hallowitch

this may help however there is a very good poster on her called CIS who may be able to give you advice she works in council tax recovery


http://www.legislation.gov.uk/uksi/1992/613/regulation/49/made

Insolvency


49.—(1) Where a liability order has been made and the debtor against whom it was made is an individual, the amount due shall be deemed to be a debt for the purposes of section 267 of the Insolvency Act 1986(1) (grounds of creditor’s petition).

(2) Where a liability order has been made and the debtor against whom it was made is a company, the amount due shall be deemed to be a debt for the purposes of section 122(1)(f) (winding up of companies by the court) or, as the case may be, section 221(5)(b) (winding up of unregistered companies) of that Act.

(3) For the purposes of this regulation the amount due is an amount equal to any outstanding sum which is or forms part of the amount in respect of which the liability order was made.