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  • FIRST POST
    • MSE Archna
    • By MSE Archna 6th Oct 06, 7:00 PM
    • 1,874Posts
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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 257
    • lincroft1710
    • By lincroft1710 14th Apr 18, 2:31 PM
    • 10,668 Posts
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    lincroft1710
    Having watched Martin talk about Council Tax, I looked into ours in a little more detail. Our house is in Band C which means it was supposedly valued over 52K in April 1991. Zoopla tells me that the house was sold for 38K in 1997 (although we paid 57K at the end of 1998 after a builder had renovated it), the adjoining semi was sold for 47K at around the same time.These figures strongly suggest to me that our property and next door should not have been placed in Band C. On our street there is a row of fairly comparable semi-detached houses that are mainly also in Band C although the adjacent semi-detached properyt, that is most similar to ours (style, size and garden), is in Band B. The other houses were (in 1991) slightly bigger or had substantially bigger gardens. It appears this is not enough to persuade the VOA to reband our property. They want me to come up with further evidence such as the sale price within two years of 1991 or comparable houses that are in a different band. Do I have a something that is worth fighting? We have lived at the address for 20 years so any rebanding would be quite valuable.The other thing I have struggled with is Zoopla is very useful for sale prices back to approx 1997 but is there anywhere where I can access them around 1991? The VOA directed me towards the Land Registry but you pay for every property you get details about and I do not know which houses were sold around 1991 so it is a bit of a needle in a haystack situation. Any advice wuld be welcome.
    Originally posted by Andy.t71
    As you paid 57K in 1998 following renovations, this is a more reliable figure as it reflects your home's physical state at the date of last sale, which is what the band would be based on rather than its physical state at 1 April 1993, when CT was introduced.

    There is nowhere to access prices from around 1991, they are not in the public domain.
    • Lonestar11
    • By Lonestar11 11th May 18, 5:31 PM
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    Lonestar11
    I sent off a letter to VOA 3 weeks ago asking for a reassessment of my CT band and provided evidence as to why I thought it was wrong. I included a phone number and email address but have not had an acknowledgement of my letter. I wondered if that was normal and if I'll hear from them in due course once they've had a chance to look into my request. Does anyone know if they usually acknowledge receipt or just contact you when they've investigated? And do they usually write, phone or email? Thanks.
    • ELLEN RALPH
    • By ELLEN RALPH 14th May 18, 12:35 PM
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    ELLEN RALPH
    Hi I'm a little confused about this. I have checked the step one and all the houses in my block are band B. So i am not sure if this fails step 1. However when I have checked the valuation tool it indicates that the houses were in fact worth less than 32000 in 1991. This then passes step 2? Anybody able to clarify please
    • CIS
    • By CIS 14th May 18, 1:22 PM
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    CIS
    Hi I'm a little confused about this. I have checked the step one and all the houses in my block are band B. So i am not sure if this fails step 1. However when I have checked the valuation tool it indicates that the houses were in fact worth less than 32000 in 1991. This then passes step 2? Anybody able to clarify please
    Originally posted by ELLEN RALPH
    You can still try but if the VOA look there's a good chance that their original banding decision is correct unless you believe all of the properties in the block are banded wrongly in the first place.
    I no longer work in Council Tax Recovery but instead work as a self employed Council Tax specialist. My views are my own reading of the law and you should always check with the local authority in question.
    • lincroft1710
    • By lincroft1710 14th May 18, 1:57 PM
    • 10,668 Posts
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    lincroft1710
    Hi I'm a little confused about this. I have checked the step one and all the houses in my block are band B. So i am not sure if this fails step 1. However when I have checked the valuation tool it indicates that the houses were in fact worth less than 32000 in 1991. This then passes step 2? Anybody able to clarify please
    Originally posted by ELLEN RALPH
    House price indices are inaccurate so possibility your band is correct.
    • ddks
    • By ddks 14th May 18, 8:30 PM
    • 31 Posts
    • 5 Thanks
    ddks
    I sent off a letter to VOA 3 weeks ago asking for a reassessment of my CT band and provided evidence as to why I thought it was wrong. I included a phone number and email address but have not had an acknowledgement of my letter. I wondered if that was normal and if I'll hear from them in due course once they've had a chance to look into my request. Does anyone know if they usually acknowledge receipt or just contact you when they've investigated? And do they usually write, phone or email? Thanks.
    Originally posted by Lonestar11
    They are supposed to acknowledge within 7 days, normally a stock letter stating they will look into the matter & reply within 2 months. 3 residents on our estate wrote in with evidence. 1 resident had an acknowledgment, the other 2 had nothing! 4 months on a decision was never received after the acknowledgment.
    They normally write to residents if the band is reduced but it's not always the case. Good Luck
    • Lonestar11
    • By Lonestar11 15th May 18, 4:21 PM
    • 2 Posts
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    Lonestar11
    Thank you for your response. I'll give them a couple of weeks then drop them an email just to check they got the letter.
    • TeeH
    • By TeeH 16th May 18, 10:09 AM
    • 1 Posts
    • 1 Thanks
    TeeH
    No similar properties
    I contacted the VOA and my claim was rejected as the other properties I cited were not 'identical'. We live in a village and our semi was built in the 70's, so I could only compare it with other 3 bed+garage semis which are in D while we are in E. How can I make a comparison when most of the houses are different?
    Last edited by TeeH; 16-05-2018 at 1:59 PM.
    • JennyG70
    • By JennyG70 18th May 18, 4:35 PM
    • 2 Posts
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    JennyG70
    help or advise needed
    I have been trying to get my band corrected for at least the last 3 years, and have approached Mole Valley on numerous occasions, but every move is a dead end, that at times seems like a deliberate block. Phone calls after a long wait can be a transfer to another department and then just go into a hang up, I did speak to one lady who requested me to go down my road and select bungalows similar to mine, I found 5 plus 2 houses, that were all in a lower band, but was then told I could not use them because the were Data protected!
    I had also taken it to the VOA department that looked into it, and got back a gobble Gook letter that Martin had mention about, that basically we had not appealed when we moved into our bungalow in 1982, when in fact they never existed. So I did not meet the circumstances to oppose it.
    Then after contacting them, I was told by email my appeal was not at the correct stage to appeal to the VOA, when I did get their email, I had 3 months to reply, but my husband was dying, and actually one month was spent up and down to the hospital, and then he died, so other things apart from the grief took over including the funeral arrangements ct, so I missed the return date. My bungalows value in 1991, that we bought in 1982, paying 67000, was valued at, 117,829 and then again later to 158.977 both by Nation Wide, but it does go up a lot each time you reassess it.
    What I can say, is that in my road, that almost all were bungalows when we move in, are now houses, and the price range is between 1.Million to 1.5 Million, and all are G band, including my bungalow!!!8230;
    I also tried to get advice from Fetcham residence association, but they were up able to help.
    So anybody with ideas what to do now?
    Thank you for any comments.
    Last edited by JennyG70; 18-05-2018 at 4:39 PM.
    • JennyG70
    • By JennyG70 18th May 18, 4:37 PM
    • 2 Posts
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    JennyG70
    Reject because not Identical
    I was also told this, and its just ridiculous, as not one Bungalow down this road is the same. Not one...
    • lincroft1710
    • By lincroft1710 18th May 18, 5:13 PM
    • 10,668 Posts
    • 8,906 Thanks
    lincroft1710
    My bungalows value in 1991, that we bought in 1982, paying 67000, was valued at, 117,829 and then again later to 158.977 both by Nation Wide, but it does go up a lot each time you reassess it.
    What I can say, is that in my road, that almost all were bungalows when we move in, are now houses, and the price range is between 1.Million to 1.5 Million, and all are G band, including my bungalows.
    Originally posted by JennyG70
    Nationwide House Price Index is inaccurate, usually undervaluing and cannot be relied upon. If it suggests your bungalow was valued at 158,977 in 1991, then just a 1% inaccuracy would put your bungalow over 160,000. Little point in looking at 2018 values and improvements carried out by current owners after 1 April 1993 cannot be reflected in CT bands.

    Unless you can find a nearby bungalow of a similar age, size and style in a lower band, there's not a lot you can do. There is always the risk in doing this that the VOA will decide that bungalow is under assessed and increase its band!
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