Council tax reduction

ET22
ET22 Posts: 174 Forumite
Third Anniversary 100 Posts Photogenic Name Dropper
edited 19 March at 4:43PM in Benefits & tax credits
Hi does anyone know if claiming ESA support group , PIP daily living component and UC how this will affect my council tax payments ? I already get a 25% reduction for being a single occupant and I own my own home 

I also have to pay service charges on my mortgaged home and don’t know if I can claim help with this without claiming SMI

Thankyou in advance 
Current debt approximately 5000
Goal- Zero debt by mid 2025
Savings in 2026- an emergency fund of 5000

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Comments

  • HillStreetBlues
    HillStreetBlues Posts: 5,501 Forumite
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    ET22 said:
    Hi does anyone know if claiming ESA support group , PIP daily living component and UC how this will affect my council tax payments ? I already get a 25% reduction for being a single occupant and I own my own home 

    I also have to pay service charges on my mortgaged home and don’t know if I can claim help with this without claiming SMI

    Thankyou in advance 
    CRT for working age people isn't consistent as councils can decide how much discount within certain parameters in England. My previous English council gave full discount for a single person in the SG. Not all councils seem to publish their discounts on line. But is saying that you should get a much more than just a 25% single discount. If you want to name your council we can try and find the discount.
    With a service charge it would be UC as it's part of the Housing Element.
    Let's Be Careful Out There
  • ET22
    ET22 Posts: 174 Forumite
    Third Anniversary 100 Posts Photogenic Name Dropper
    Thanks @HillStreetBlues. I’m going to contact the council or dig a bit deeper on their website. It seems a bit unfair if it’s council by council so to speak. I will contact UC about the service charges so hopefully I will get some contribution towards them. Atm, I am not going to claim SMI but I may change my mind in the future. The length of time it has taken to get the work capacity assessment and an outcome has been 5 months and I have had to pay some of my council tax during this time. Hopefully my Coincil will not increase the amount I have to pay because I’m awarded UC 
    Current debt approximately 5000
    Goal- Zero debt by mid 2025
    Savings in 2026- an emergency fund of 5000

  • gbhxu
    gbhxu Posts: 427 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    I'm single, live on my own, get IR ESA and PIP (LR care and HR mobility).
    Still have to pay £27 a month CT

    Yes, it depends on your local authority 
  • ET22
    ET22 Posts: 174 Forumite
    Third Anniversary 100 Posts Photogenic Name Dropper
    Thankyou, I think I will have to pay something I’m sure so I’m honoring it won’t be too much x 
    Current debt approximately 5000
    Goal- Zero debt by mid 2025
    Savings in 2026- an emergency fund of 5000

  • kkkklinky
    kkkklinky Posts: 176 Forumite
    100 Posts First Anniversary Name Dropper
    edited 21 March at 3:45PM
    As long as you don't get Carers Allowance you should be paying the same..I found out the hard way when I migrated to UC and suddenly had to pay 50% CT instead of 25%. Something to consider in future for anyone considering claiming CA especially since on UC there is no financial benefit. Carers Allowance is treated as income.
  • ET22
    ET22 Posts: 174 Forumite
    Third Anniversary 100 Posts Photogenic Name Dropper
    I dont get carers allowance, but It doesnt seem fair carers allowance is treated as income 
    Current debt approximately 5000
    Goal- Zero debt by mid 2025
    Savings in 2026- an emergency fund of 5000

  • housebuyer143
    housebuyer143 Posts: 4,132 Forumite
    1,000 Posts Third Anniversary Name Dropper
    kkkklinky said:
    As long as you don't get Carers Allowance you should be paying the same..I found out the hard way when I migrated to UC and suddenly had to pay 50% CT instead of 25%. Something to consider in future for anyone considering claiming CA especially since on UC there is no financial benefit. Carers Allowance is treated as income.
    But you do get class 1 NI contributions on carers so swings and roundabouts. 
  • born_again
    born_again Posts: 19,361 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    ET22 said:
    I dont get carers allowance, but It doesnt seem fair carers allowance is treated as income 
    But you get a allowance under UC. So you end up in exactly the same position.
    Life in the slow lane
  • HillStreetBlues
    HillStreetBlues Posts: 5,501 Forumite
    1,000 Posts Third Anniversary Homepage Hero Photogenic
    edited 25 March at 6:55PM
    ET22 said:
    I dont get carers allowance, but It doesnt seem fair carers allowance is treated as income 
    But you get a allowance under UC. So you end up in exactly the same position.
    CA and CE under UC can be treated differently by councils for CTR
    I remember a thread on here that a council didn't class CA as income but when claiming CE it was treated as income.
    Let's Be Careful Out There
  • ET22
    ET22 Posts: 174 Forumite
    Third Anniversary 100 Posts Photogenic Name Dropper
    Luckily I only have to pay a small amount of council tax according to the adjustment notice i was sent, around 30 pounds pm as opposed to the full amount of over 1500 ( liable as a single occupier with the 25% discount) so yes it does seem to vary a lot from council to council  
    Current debt approximately 5000
    Goal- Zero debt by mid 2025
    Savings in 2026- an emergency fund of 5000

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