Council tax

Get expert opinion. This is the place for new questions to be posted.
15 posts Page 1 of 1

Jessie91

Posts: 177
Joined: Fri Jul 19, 2019 12:47 pm

Post by Jessie91 » Mon Jan 06, 2020 3:23 pm
Hi everyone I’m confused just got off the phone to the council about council tax and I pay it over 10 months they have said I now don’t pay for February or March and restart for April.
Now I’m confused as what do I do with that money that would of paid for it? I’m sure Creditfix wouldn’t like to know I have nearly £300 to myself over two months as I pay £147 a month.
And I pay for council online so shows on bank statements I pay every month would they question why for 2 months I haven’t and where this money went does it belong to Creditfix? Totally confused

kallis3

User avatar
Forum Expert
Posts: 75283
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Mon Jan 06, 2020 3:44 pm
We all get a couple of 'free' months with council tax. I am sure CF are aware of this. I had this throughout my IVA and never had a problem. It averages out over the year. Put it in a savings pot in case of emergencies.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

abbiesmum2003

User avatar
Posts: 888
Joined: Sun Dec 02, 2012 8:50 pm
Location:

Post by abbiesmum2003 » Mon Jan 06, 2020 3:48 pm
when i did my iva with CF they worked Council tax out over the 12 months on my budget. I didnt even worry about it and just kept that money in feb and mar. It was never an issue. Most people pay for 10 months and nothing feb and march.

Jessie91

Posts: 177
Joined: Fri Jul 19, 2019 12:47 pm

Post by Jessie91 » Mon Jan 06, 2020 3:51 pm
Thank you for fast replies and advice so that probably explains why it says £20 something less on the expenditures form then? As they do by 12 months not 10. Was just little worried that’s all they would question it for 2 months it’s not shown on my statements. And what do i do with the money. I’m only 5 months into my Iva so panicked that’s all thank you again

Foggy

User avatar
Forum Expert
Posts: 30033
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Mon Jan 06, 2020 3:52 pm
Your council tax allowance will be based on 12 months and the payments made over 10 months, so, each month the agreed CT allowance will be smaller than your actual payment. It will all even out in the end. I would pop it under your mattress for emergencies.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kallis3

User avatar
Forum Expert
Posts: 75283
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Mon Jan 06, 2020 3:53 pm
Put it to one side for rainy day emergencies
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Jessie91

Posts: 177
Joined: Fri Jul 19, 2019 12:47 pm

Post by Jessie91 » Mon Jan 06, 2020 3:54 pm
Thank you and I will definitely take it out in cash those months for emergencies.

abbiesmum2003

User avatar
Posts: 888
Joined: Sun Dec 02, 2012 8:50 pm
Location:

Post by abbiesmum2003 » Mon Jan 06, 2020 5:29 pm
dont apologise Jessie. Its all new and youve never had any monitor your expenditure like they do in an IVA. Better to be safe than sorry. But yes rest easy...they wont take those two months moneys from you. Take it out the bank as though it was a DD and keep safe. Youll soon settle into it and things will make sense.

Jessie91

Posts: 177
Joined: Fri Jul 19, 2019 12:47 pm

Post by Jessie91 » Mon Jan 06, 2020 6:02 pm
Thank you abbiesmum2003 just so new so I may ask a few more questions if I have anymore. All your advice really helps me understand a lot more about budgeting and how to live so really appreciate it. When I next get paid will definitely take it out and just forget it’s there

luluj

User avatar
Forum Expert
Posts: 10704
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom

Post by luluj » Mon Jan 06, 2020 9:29 pm
Ask away ... we are here to offer our support x
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

mumof3

Posts: 87
Joined: Thu Nov 30, 2017 2:35 pm

Post by mumof3 » Thu Jan 09, 2020 12:01 pm
As above they normally work your payments out over 12 months so it’s a bit of a bonus when you pay your council tax over 10 months. Keep the money for emergencies or in my case the two ‘free’ months falls right in between my children’s birthdays, so it’s very helpful.

Jessie91

Posts: 177
Joined: Fri Jul 19, 2019 12:47 pm

Post by Jessie91 » Thu Jan 09, 2020 1:04 pm
Hi mumof3 yes I have that too my daughters 2nd is in a few months so will help me out so she doesn’t go without or panicking how to afford anything for her birthday.

kallis3

User avatar
Forum Expert
Posts: 75283
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Jan 09, 2020 3:08 pm
Do some online surveys - worth a lot at Christmas.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

mumof3

Posts: 87
Joined: Thu Nov 30, 2017 2:35 pm

Post by mumof3 » Fri Jan 10, 2020 9:27 am
What websites do you use for the surveys?

kallis3

User avatar
Forum Expert
Posts: 75283
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jan 10, 2020 9:43 am
You can try Yougov, Valued Opinions, Consumer Pulse, Maximail to name a few.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
15 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”