Every Tuesday we get an expert to answer your financial problems or consumer disputes. WhatsApp us here or email moneyblog@sky.uk. Today’s problem is…
We moved into a new-build property two months ago and haven’t received a council tax bill yet. I’ve already contacted the council to request the bill as I want to avoid being hit with a large lump sum for missed payments. What are my rights in this situation?
Susan
Money blog regular Scott Dixon, from The Complaints Resolver, tackles this one…
Congratulations with your new home Susan, and I hope you’re happy with it.
When a new property has been built, it can take some time for the property to be assigned a council tax band.
It is the builder’s responsibility to inform local authorities of the completion date for a new build so the council can arrange for it to be assessed and given a band for a council tax bill to be issued. Delays often happen with councils contacting assessors.
You have done the right thing by contacting your local council, as it is their responsibility to arrange for your property to be assessed.
Even though they can’t charge you until this process has been carried out, council tax is due on new builds from the completion date onwards – so you will have to pay eventually.
As you’re in England, assessments are based on various factors, such as a property’s:
- Size
- Layout
- Character
- Location
- Change in use
I suggest you compare similar properties in your area to gauge what band your property may be assigned to. Google Maps is useful for this. You can find out bandings and valuations from your local council website.
I would err on the side of caution and set aside a higher amount each month for when the bill eventually arrives, so you are prepared and have the money to cover the missed payments.
The council is likely to send you a bill including the months missed and adjust the remaining month’s direct debits so you will pay higher amounts for the remainder of the financial year.
Check it’s accurate and ensure you are eligible for any discounts such as single person occupancy. You may also qualify for a council tax reduction if someone in your house is disabled and you have adapted your property.
You may also be eligible for a Hardship Fund Payment if you receive council tax support. Your local Citizens Advice Bureau will be familiar with various entitlements you may be able to claim for and assist.
If your council tax bill is unaffordable, you can ask them to review it and adjust the payments. It’s imperative that you are proactive and contact them first, as council tax arrears is a priority debt and costs can quickly escalate if ignored.
Usually, the VOA can get all the information they need from outside, so they won’t need to disturb you. They usually take photos from outside like an estate agent would.
Interior inspections can only happen with your consent. VOA staff always carry and present ID cards including their photograph.
Do not allow anyone access if you have any doubts about someone who claims to need to inspect your home for council tax purposes.
This feature is not intended as financial advice – the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute via:
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- Email moneyblog@sky.uk
