Council taxes are a local taxation system whereby each property is assigned one of eight bands ranging from A-H, by the property value. Each group has a fixed amount of tax relating to the property value determined. The amount of tax paid is based on two things. These include the value of your property and the number and status of adults living therein. It is crucial to note that only people over 18 are made eligible to pay such bills. Different specifications and rules will apply once other conditions and situations are introduced, like married couples and individuals with low incomes.
What needs to be brought to light is that the failure to pay council taxes results in you having arrears which if persists will carry dire consequences. Local authorities are granted more legal powers when it comes to handling collection of council taxes. They never fail to act quickly, and it should be no surprise if they end up on your doorway in response to missed payments. This all relates to the fact that Council tax is treated as a priority debt and cannot be undermined.
General Advice with Solutions
Falling behind with council tax arrears happens to many individuals, and in response, it is crucial to know how to react to such situations in the best way possible. Council Tax Debt Advice such as coveringcredit.com needs to be followed carefully.
For a start, make proceeds to contact the council as soon as possible. Provide them with a copy of your budget and income as well as outgoings. This way, arrangements can be discussed and made together to pay your arrears in the most convenient manner.
Agreements can be made with regards to how the payments may be spread, being either weekly or monthly over the span of 12 months, choosing whichever plan is most suitable to your expenditures. This way you will be less likely to overindulge and fail to prioritize your council tax, leaving you with excess arrears.
If you feel that the value of your property has not been assessed properly, then the reassessment of said property can be done. If the reassessment lands your property in a lower council tax band, then your council tax will naturally be reduced as well.
Council Tax Reduction and Relief
There are specific discounts that you can be eligible to if you satisfy certain conditions and being aware of these are critical.
If you live on your own, then you automatically earn yourself a 25% discounts on your council taxes. Living with people who are not eligible to pay council tax will still leave you in this same category.
Furthermore, if you are on a low income then you can apply for a reduction and based on your income you may qualify for a proportional reduction. You will also be liable to council tax reduction if you are above pension age. Having disabled people in your household can also qualify you to further council tax cuts. These terms and conditions can grant you a discount, but it is important to note that if they no longer persist at any period during the year, then the local authorities should be aware of that immediately.
Lastly, be aware that being more than 14 days late in paying your council tax can result in a reminder letter. If failure to pay the council tax persists for seven more days, then you can be asked to even pay the whole amount for the rest of the year. Be very careful and remember to prioritize your council tax payments from now on.