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  • FIRST POST
    • wicky5025
    • By wicky5025 5th Jan 18, 6:00 PM
    • 14Posts
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    wicky5025
    Wanting to sell with council tax arrears.
    • #1
    • 5th Jan 18, 6:00 PM
    Wanting to sell with council tax arrears. 5th Jan 18 at 6:00 PM
    Can I sell my house even though I have council tax arrears?

    Any advice would be greatly appreciated.
Page 1
    • Browntoa
    • By Browntoa 5th Jan 18, 6:03 PM
    • 33,197 Posts
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    Browntoa
    • #2
    • 5th Jan 18, 6:03 PM
    • #2
    • 5th Jan 18, 6:03 PM
    Yes you can .... Would affect your chances of getting a new mortgage if in arrears with council tax though
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop ,over 50's and Discount Code boards which means I volunteer to help get your forum questions answered and keep the forum runnning smoothly .However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to forumteam@moneysavingexpert.com Any views are mine and not the official line of MoneySavingExpert.
    • ThePants999
    • By ThePants999 5th Jan 18, 6:07 PM
    • 1,165 Posts
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    ThePants999
    • #3
    • 5th Jan 18, 6:07 PM
    • #3
    • 5th Jan 18, 6:07 PM
    Would affect your chances of getting a new mortgage if in arrears with council tax though
    Originally posted by Browntoa
    Incorrect.
    https://www.creditladder.co.uk/blog/myths-about-credit-score
    http://www.experian.co.uk/consumer/questions/askjames226.html
    • Slithery
    • By Slithery 5th Jan 18, 6:16 PM
    • 721 Posts
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    Slithery
    • #4
    • 5th Jan 18, 6:16 PM
    • #4
    • 5th Jan 18, 6:16 PM
    Yes you can .... Would affect your chances of getting a new mortgage if in arrears with council tax though
    Originally posted by Browntoa
    Only if it's been taken as far as a CCJ. If you're just in arrears then mortgage providers can't find this out.
    • CIS
    • By CIS 5th Jan 18, 6:26 PM
    • 10,524 Posts
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    CIS
    • #5
    • 5th Jan 18, 6:26 PM
    • #5
    • 5th Jan 18, 6:26 PM
    Only if it's been taken as far as a CCJ. If you're just in arrears then mortgage providers can't find this out.
    Originally posted by Slithery
    CCJ's aren't used for council tax purposes - council tax uses Liability Orders from the magistrates' court.
    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.
    • ThePants999
    • By ThePants999 5th Jan 18, 7:42 PM
    • 1,165 Posts
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    ThePants999
    • #6
    • 5th Jan 18, 7:42 PM
    • #6
    • 5th Jan 18, 7:42 PM
    (See my second link!)
    • elmer
    • By elmer 6th Jan 18, 9:18 AM
    • 817 Posts
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    elmer
    • #7
    • 6th Jan 18, 9:18 AM
    • #7
    • 6th Jan 18, 9:18 AM
    Are the arrears so high that the council has put a charge on your house?
    • fatbelly
    • By fatbelly 6th Jan 18, 9:29 AM
    • 12,344 Posts
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    fatbelly
    • #8
    • 6th Jan 18, 9:29 AM
    • #8
    • 6th Jan 18, 9:29 AM
    It would be very unusual for a council to put a charge on the property. Equally committal is very unlikely. Some councils never do it at all. If they know a sale is in progress a good council should put enforcement on hold until the sale completes. They may still want a liability order though. The key is to keep them informed.
    Last edited by fatbelly; 06-01-2018 at 12:30 PM. Reason: same applies to committal
    • wicky5025
    • By wicky5025 6th Jan 18, 12:11 PM
    • 14 Posts
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    wicky5025
    • #9
    • 6th Jan 18, 12:11 PM
    • #9
    • 6th Jan 18, 12:11 PM
    Are the arrears so high that the council has put a charge on your house?
    Originally posted by elmer
    No nothing like that.
    • wicky5025
    • By wicky5025 6th Jan 18, 12:18 PM
    • 14 Posts
    • 0 Thanks
    wicky5025
    Thanks for the help, I have another property that I live in so selling just because I don't need it.
    • theartfullodger
    • By theartfullodger 6th Jan 18, 12:20 PM
    • 9,586 Posts
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    theartfullodger
    Beware not paying council tax. Afaik it's the only debt you can end up in prison for
    https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/dealing-with-urgent-debts/dealing-with-council-tax-arrears/
    If you still don!!!8217;t pay

    In extreme cases you could go to prison, but normally only if you!!!8217;re deliberately not paying your Council Tax.

    - but, with respect, if you have this issue you might be best speaking to a debt charity like
    https://www.stepchange.org
    - or look on the debt forums

    Hope things improve
    • G_M
    • By G_M 6th Jan 18, 12:20 PM
    • 44,421 Posts
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    G_M
    Has the council taken any action to enforce payment? If so what?
    • wicky5025
    • By wicky5025 6th Jan 18, 12:40 PM
    • 14 Posts
    • 0 Thanks
    wicky5025
    Has the council taken any action to enforce payment? If so what?
    Originally posted by G_M
    They had but there was a mistake on their part.
    • CIS
    • By CIS 6th Jan 18, 3:22 PM
    • 10,524 Posts
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    CIS
    They had but there was a mistake on their part.
    Originally posted by wicky5025
    Mistake ?, in what way ?
    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.
    • wicky5025
    • By wicky5025 6th Jan 18, 3:37 PM
    • 14 Posts
    • 0 Thanks
    wicky5025
    Mistake ?, in what way ?
    Originally posted by CIS
    They had been over charging me for coucil tax for a few years.
    • CIS
    • By CIS 6th Jan 18, 4:01 PM
    • 10,524 Posts
    • 6,082 Thanks
    CIS
    If any previous issues have been resolved ( as far as is possible) and the only issue rests on the sale of the house then this can proceed unless a charging order has been granted, in that case the issue will need looked at further. Nothing else council tax related would impact on the sale.
    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.
    • CIS
    • By CIS 6th Jan 18, 4:02 PM
    • 10,524 Posts
    • 6,082 Thanks
    CIS
    They had been over charging me for coucil tax for a few years.
    Originally posted by wicky5025
    Has that all been resolved as far as possible ? - was it down to a discount/exemption not be awarded ?
    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.
    • wicky5025
    • By wicky5025 6th Jan 18, 4:08 PM
    • 14 Posts
    • 0 Thanks
    wicky5025
    Has that all been resolved as far as possible ? - was it down to a discount/exemption not be awarded ?
    Originally posted by CIS
    yes it was, I'm now paying the arrears to the council.
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