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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Okay so potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • dx100uk
      Advise on debt I currently hold

      By dx100uk · Posted

      receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • tobyjugg2
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By tobyjugg2 · Posted

      Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
    • dx100uk
      HFC Marbles credit card SD - was dismissed as voluntary joint charge provided - now owed by Cabot - settled at home sale - was i overcharged?

      By dx100uk · Posted

      depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Council tax issues..

deathbycrayons

By deathbycrayons
in Benefits and HMRC

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deathbycrayons

deathbycrayons

Posted
Posted

Right. This is a little bit complicated and I don't fully understand it myself but I'll try to explain it as best I can.

We're looking at renting a house that is attatched to another house with internal doors that lead into one another and it's actually technically seen by the council as one big house. But the 'annex' is completely self contained.

 

The council tax is calculated for the entire property as one. So It would have to be split between the landlord and the tennants.

 

Now. Because I am severely disabled and my husband is my carer, we receive housing benefit and council tax benefit. We also receive income support on top of my disability benefits.

 

I'm wondering if anybody who works for the DWP or local authorities, if we would still be able to claim council tax benefit and housing benefit. The landlord said the best way to do things is to declare that him and his wife are lodging. But I don't see how that could work and wouldn't that affect our benefits?

 

It's a beautiful house and would be PERFECT if it wasn't for these complicated technicalities. So does anybody have any ideas?

If I have been helpful in any way, please tip my scales :lol:

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deathbycrayons

deathbycrayons

Posted
  • Author
Posted

Right. This is a little bit complicated and I don't fully understand it myself but I'll try to explain it as best I can.

We're looking at renting a house that is attatched to another house with internal doors that lead into one another and it's actually technically seen by the council as one big house. But the 'annex' is completely self contained.

 

The council tax is calculated for the entire property as one. So It would have to be split between the landlord and the tennants.

 

Now. Because I am severely disabled and my husband is my carer, we receive housing benefit and council tax benefit. We also receive income support on top of my disability benefits.

 

I'm wondering if anybody who works for the DWP or local authorities, if we would still be able to claim council tax benefit and housing benefit. The landlord said the best way to do things is to declare that him and his wife are lodging. But I don't see how that could work and wouldn't that affect our benefits?

 

It's a beautiful house and would be PERFECT if it wasn't for these complicated technicalities. So does anybody have any ideas?

If I have been helpful in any way, please tip my scales :lol:

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MrShed

MrShed

Posted
Posted

1 hour for a bump...?

 

Anyway - sounds like a lodging situation to me in any event to be honest!

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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MrShed

MrShed

Posted
Posted

How so? Its clearly a lodger situation as its part of the same property.

 

A 1 hour bump is poor forum etiquette, irrespective of the urgency.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Dragons Dennis

Dragons Dennis

Posted
Posted

If it is all one building with doors between rooms, then it is one building for council tax. If the doors were bricked up and plastered over making a permemnat division, it could then be reassessed.

 

The landlord wants to be called a lodger? I know what I would call him, and it certainly isn't a lodger.

 

Walk away and find a 'normal' place to live.

 

ps... I would have posted this yesterday, but when I saw the 'bump' I decided to wait an extra day. Sorry, but I am with Mr shed on etiquette.

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deathbycrayons

deathbycrayons

Posted
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Posted

Sorry I've been going through some mental health issues so my head's all over the place at the moment. We spoke to the land lord today. Really nice bloke. Him and his wife have lived there for 30 years but now thei kids are grown up they have boarded up one side of the house and made it into 2 houses, sort of (the doorways can be 'unboarded' up to make one big house again).

 

It seems that we would be classed as lodgers, technically. My husband is on the phone to the council now to find out where we stand.

If I have been helpful in any way, please tip my scales :lol:

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MrShed

MrShed

Posted
Posted

If you are lodgers, then you become jointly liable for the council tax.

 

As such, a proportion of your benefit should be payable surely?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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deathbycrayons

deathbycrayons

Posted
  • Author
Posted

I'm just really uncertain as to what we'd be eligible for. With the landlords being classed as 'living with us' or rather us 'living with them' I have no idea if we'd still be eligible for housing benefit or income support.

If I have been helpful in any way, please tip my scales :lol:

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MrShed

MrShed

Posted
Posted

A lodger is entitled to receive HB (or more appropriately Local Housing Allowance).

 

The council tax doesnt matter "who is living with who" it only matters that if you are listed as an occupier, you are jointly liable for C Tax, and hence your CT benefit should be applied I would have thought.

 

As for income support, I cant see that this would be affected.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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MrShed

MrShed

Posted
Posted

But as mentioned, why wouldnt you get CT benefit?

 

In any event, as far as I am aware (although benefits isnt my area), the two benefits are totally independant.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Aviva

Aviva

Posted
Posted

I am not sure that the Council are correct in claiming that this is all one property. Take a look at this link - http://www.voa.gov.uk/publications/public_fact_sheets/self-contained-units.html

 

I've taken a look at some of the Council Tax and CTB procedures available on our intranet and couldn't find anything on lodgers. So, I did a wider google search and it seems that lodgers are not liable for Council Tax. This is because a resident owner is at the top of the liability hierarchy. Also a lodger can't be held jointly liable because people jointly liable must be at the same point of the liability hierarchy such as joint owners or joint tenants.

 

However, a landlord could include a proportion of the Council Tax in your rent. You would not be able to claim CTB for this as only people liable for CT can claim. But it looks like this charge would come under Housing Benefit as:

 

Bracknell Forest Council state "If a landlord and lodger or boarder share the property, the landlord will receive the bill and be able to claim Council Tax Benefit. However, if some of the charge is passed on to the lodger or boarder as a rent increase, he or she may be entitled to more Housing Benefit."

 

There is very little info out there on lodgers and Council Tax it's mostly about someone on benefits taking in a lodger or the loss of the single person discount.

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MrShed

MrShed

Posted
Posted

I cant see why as these are not benefits linked to housing.

 

I dont see why you feel you wouldnt get HB though.

 

This discussion is probably exiting the remit of this section of the forum though, and should perhaps be reposted in the benefits section.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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deathbycrayons

deathbycrayons

Posted
  • Author
Posted

Hi,

sorry to cross post but I really didn't know which board to post on.

http://www.consumeractiongroup.co.uk/forum/showthread.php?280049-Council-tax-issues-with-rental-property..(1-Viewing)-nbsp

Right. This is a little bit complicated and I don't fully understand it myself but I'll try to explain it as best I can.

We're looking at renting a house that is attatched to another house with internal doors that lead into one another and it's actually technically seen by the council as one big house. But the 'annex' is completely self contained.

 

The council tax is banded for the entire property as one. So It would have to be split between the landlord and the tennants.

 

Now. Because I am severely disabled and my husband is my carer, we receive housing benefit and council tax benefit. We also receive income support on top of my disability benefits.

 

I'm wondering if anybody who works for the DWP or local authorities, if we would still be able to claim council tax benefit and housing benefit. The landlord said the best way to do things is to declare that him and his wife are lodging. But I don't see how that could work and wouldn't that affect our benefits?

 

It's a beautiful house and would be PERFECT if it wasn't for these complicated technicalities. So does anybody have any ideas?

 

ALSO - if we weren't eligible for housing benefit, would our income support or child tax credits be increased to make up the difference?

If I have been helpful in any way, please tip my scales :lol:

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Aviva

Aviva

Posted
Posted

I agree with Mr Shed. If you are on benefits then I don't see any reason why you would not get HB/LHA. The only reason you would not get it is if your income is too high. Other benefits would never be increased to cover housing costs - if you are entitled to money for this you will receive HB/LHA.

 

It may be a good idea to contact Shelter on this one as I think you need a bit more expert advice than we can give on here.

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MIKEY DABODEE

MIKEY DABODEE

Posted
Posted

Living in this property would not effect your Income Support at all you would just have to complete a Change of Address if you moved in. I dont know how housing benefit would work your entitement out but still being on IS you should still get full housing benefit

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MIKEY DABODEE

MIKEY DABODEE

Posted
Posted

Living in this property would not effect your Income Support at all you would just have to complete a Change of Address if you moved in. I dont know how housing benefit would work your entitement out but still being on IS you should still get full housing benefit

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