Council Tax bills are set to rise from April 2023, but support may be available to you. Sarah Rogers (pictured), Curo’s Customer Accounts Manager, answers some common questions.
What is Council Tax?
Council Tax is an annual fee you pay to your local council. The cost is set by your council and goes towards funding local services, such as rubbish collections, transport, parking, and police and fire services.
Am I eligible for an exemption or discount on my Council Tax?
You may be able to get a discount if:
- You have a physical or mental health condition
- You get certain benefits
- You’re caring for someone
- You’re looking for work
- You’re temporarily unable to work or on a low income
- You’re a single person.
Exempt means not included. You may be exempt from Council Tax if:
- You’re a full-time student
- You’re a school or college leaver aged 18 or 19
- You’re a student nurse or youth training trainee
- You receive or provide care.
For a full list of exemptions and discounts see your local authority’s website.
You’ll need to apply for a Council Tax exemption or reduction. Again, see your local authority’s website for more information.
Am I in the correct Council Tax band?
Every home is allocated one of eight bands, A to H. The banding is based on the value of your home on 1 April 1991. The Council Tax you pay depends on which band you’re in. You can check that you’re in the right Council Tax band here.
Which payment option is best for me?
You can choose to spread your payments over 12 months, instead of the usual 10, to reduce the amount you pay monthly.
I’m on a low income – can I get help?
If you’re on a low income, you could apply for the Council Tax Reduction scheme. You can apply if you own your home, rent, are unemployed or working. The reduction depends on where you live (each council runs its own scheme), your circumstances, your household income and if you have children or other adults living with you. You can find out more information on this here.
What should I do if I’m in arrears with my Council Tax?
Council Tax is a priority debt. This type of debt carries the most serious consequences if you don’t pay it. This means you must prioritise paying your Council Tax over other debts such as credit card or catalogue debt.
If you don’t pay, the council will send you reminders and notices. If you don’t act on these, the council can apply to the courts for permission to collect the outstanding debt. This is known as a liability order. They may then send a bailiff to your address or take money from your existing income, including benefits you receive.
If you’re struggling with keeping up with your Council Tax, pick up the phone and call your local authority. They will look into the support available to you, for example, a payment plan.
Local authorities also have discretionary power to give a discount on Council Tax on a case-by-case basis. If you’re suffering severe financial hardship, contact your local council to discuss this.
If you’re worried about your finances, Curo’s Money Advice service is here to help. Please call one of our friendly and experienced colleagues on 01225 366000 or email customeraccountshelp@curo-group.co.uk