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£11k council tax arrears, please advise - vulnerability?


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Hello,

 

As the title reads, we have council tax arrears that have accumulated over several years.

Last week we received a letter through the door threatening bankruptcy from the council.

 

Some background info

- I am a full time student.

My mum is the one who is liable.

She has severe mental health issues.

She has not sought help and is not in contact with any mental health services / CGP etc.

She is on Employment Support Allowance, which is paid sporadically

- has not been paid for the last month or so.

 

My parents are separated and my dad lives elsewhere. He pays the mortgage for our house.

 

Please advise me on what steps I need to take.

What info do I need to get from the council about the debt?

Should I send a SAR?

Or just offer to pay whatever my mum can afford?

 

I understand that writing to the council and providing a letter from the GP explaining her illness and an account of her expenditure is probably best.

 

 

I am unsure as to how to word the letter, and how to tell the council that I am writing on my mother's behalf.

 

 

I am also unsure as to what amount to offer to pay, that is likely to be accepted.

 

Is there anything else I should do / anyone else I should seek help from?

 

Any help is much appreciated.

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firstly have you had any bailiff letters?

 

are you aware of how many Liability Orders Have been Served?

 

might be an idea too

 

You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm not aware how many liability orders, but thanks for your reply, I'll find out those things from the council.

 

My mum did mention bailiff letters. She said the lady who delivered the letter threatening bankruptcy did not look like a 'typical bailiff', however she might be mistaken. I'm assuming that as the bailiffs haven't been able to access our property, the account has been handed back to the council.

 

If there are any relevant template letters anyone can link to, please do.

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when were these 'letters' and has she still got them

 

 

you've a few days before the council offices open.

 

 

can you get thogether everything you can find

 

 

and tell us what it is?

 

 

obv £11k is from several years

prob +5yrs atleast

 

 

give a bit more info please

 

 

dx

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would hazard a guess the Council are ready to take further action very shortly.

 

 

Have you thought about contacting your local Councillor(s) and ask they intervene,

best initial contact is by phone & my view is that they are contactable 7 days per week

- including Bank Holidays - up until 9 pm.

 

You are going to have to find out how many Liability Orders the Council have, the dates they refer to and the amount on each one.

 

 

A lot of Councils have outsouced their office functions to private companies and they are renowned for not being helpful,

it is better to ask for someone in charge rather than speaking to whoever answers the phone.

 

 

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Dx100uk: I'm don't think I can get hold of the letters. My mum tends to ignore and hide letters and is very secretive. I know her behaviour seems irrational but such is her illness :|

 

Thanks for the suggestion ploddertom, I will try to get hold of my local councillor as soon as I can. I think I will have to contact the council for details as to Liability Orders and such rather than rely on my mum - assuming the council will be truthful? Also my mum owns our home technically, but my dad's paying the mortgage.

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Do you know if your mum has other debts and who exactly does the house belong to?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm afraid I'm not sure, I shall have to double check with my dad. It's either just my mum's name or both my parents names on the deeds. My mum also has pawnbroker and credit card debts

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The reason I ask is because I wonder if your mum has a realistic chance of paying this and if bankruptcy would be such a bad thing as it could clear everything. I'm not sure how it would affect the house so you need to know about this. Others may be able to advise further.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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you should be able to check on the land registry site about the joint ownership etc etc

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm open to whatever solutions there are to this issue, however losing our home is obviously something I wish to avoid.

 

Just asked my dad, he said it's both their names on the deeds. I don't know what implications that would have for bankruptcy.

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I believe it may mean it couldn't be sold.

 

Might be worth phoning national debtline for advice after the bank holiday. They have some good fact sheets on their site too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Is bankruptcy the only option?

 

 

Despite my mum's willingness to work, her mental illness has prevented her from being in employment for several years now.

 

 

So surely she is at present, and would not have been liable for (full) council tax during those years?

 

 

Could the arrears be reduced on this basis?

 

If anyone is aware, please advise me on whether this is the case.

 

Also if it's of any use, my mum had deductions (I believe around £10 a week) taken from her benefits when she was previously claiming JSA. So I assume the council must have been aware that she did not have the means to pay the arrears? Sorry if I'm not making sense.

 

I don't know whether they're still deducting from her ESA now.

 

Thanks caro, I'll get in touch with National Debtline.

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I thinks it prudent to gather every piece of info first

before we start looking at things like BK etc etc.

 

 

somethings not sitting right here

 

 

£11k is one hell of a good number of years of CTAX to mount up.

 

 

it might also serve you to get her written authority to act upon her behalf

ready to show whomever

as I expect the council will stonewall you

unless you are jointly liable and named on the CTAX bills.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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One downside of the Council applying for BR are the costs involved - very high. I'm with DX as you need lots more info & probably need to get a full list of debts owed. Some can be reduced to the bare minimum whereas others such as Council Tax are a priority.

Please consider making a small donation to help keep this site running

 

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I'm not sure what you mean by 'something's not sitting right here'. It's not unusual for people with mental health problems to neglect their finances.

 

I'm a full time student and as far I'm aware, not liable for council tax. Thanks for the tip, I will make sure to get a letter of written authority.

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Has your mum ever applied for CT benefit?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes, she has

 

Did she qualify?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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So how has she got £11k arrears? That would take years.

 

Still, as has been advised, get all the info you can. We're here if you have questions. :)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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£11,000 does seem to be a very large debt and difficult to understand how such a debt could have built up if your mother has been receiving CTB/CTR

 

you could try asking applying for an EMI disregard for your mother and student disregard for yourself

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