Tag Archives: council tax arrears

Council Tax Discount and arrears

Did you know you could be entitled to council tax discount?

Yes, That is correct. A Council Tax discount is a thing. However, it’s only available to residents of England and Wales. The percentage of the discount varies depending on the situation and circumstances. Council Tax discounts are only available to those regions but only specific people. Want to find out if you’re eligible for a discount? Click Here.

How do I check my Council Tax Discount eligibility?

You can check your eligibility on gov.uk website or click here

Once you click the link you will be prompted to enter your postcode of residence. Once you have submitted your postcode you will be redirected to your local council’s website. You will then find a quick link to apply for a discount on your council tax.

council tax image of money depicting the advantages and disadvantages of a MAP

If you’re not eligible

Don’t match the criteria for a council tax discount? we may be able to help. If you suffer from any financial difficulties you should contact us for immediate help. Findadebtexpert.co.uk have multiple debt solutions if you have over £5,000 you may be eligible to write off up to 75% of your debts which includes council tax.

I can’t pay my Council Tax what should I do?

Firstly, If you know in advanced that you’ll not be able to afford your upcoming council tax payment you should contact your local council immediately. Don’t wait for them to contact you. You should contact your council straight away. Ask to speak to someone in the Council Tax office and inform them of the situation. Ask your council if they’ll let you pay your Council Tax in smaller amounts.

Can I ignore my Council Tax?

NO. It’s important to not ignore Council Tax arrears. In addition to the fact that you accrue it without borrowing, you have to remember every year you get a new bill, so it will continue to grow.

In the end, this can mean that you will be subject 
to debt collection proceedings undertaken by Sheriff Officers or made bankrupt. 
Wherever you own your own house, 
this might mean you might lose it


what happens if I choose to ignore it?

Well if you choose to ignore your council tax arrears you can be subjected to an earnings arrestment, Which means your employer is forced to comply with deducting money from your wages to pay the council tax arrears and any other debt you may have. We have a dedicated blog post for an earnings arrestment here. It is mandatory for your employer to correspond with the arrestment as it is instructed by a CCJ (county court judgement).

Contact us

We understand talking about your debts is almost as difficult as paying them. Thats why we have a dedicated team who are qualified and waiting for your contact. From Monday – Thursday 09:00 – 20:00 (09:00-17:00 Fridays) you can contact them on our live chat here. Those hours are also tied in with our advisors who can assist you via phone @ 0161 694 2650. Email us info@findadebtexpert.co.uk and we will be happy to help.

Earnings Arrestments

Earnings Arrestments Help – Find A Debt Expert

Earnings Arrestments

What is an Earnings Arrestment?

Earnings Arrestments also knowing as Wage arrestment means that a percentage of the debtor’s earnings will be taken by their employer to settle the outstanding debt balance. Before an Earnings arrestment can happen a County Court Judgement will have been granted by the courts. An attachment of earnings can only occur if a debtor has missed one or more payments on a County Court Judgement. If the debtor has fallen behind with a payment then the court can use an attachment of earnings to recover the debt for the creditor.

attachment of earnings order - earnings arrestment

attachment of earnings order

Does the Employer have to follow with the order?

Yes, it is the legal duty of the employer(s). Employers must deduct however much the courts instruct them too from the debtor’s wages. The employer can also deduct a £1.00 administration fee.  A fee can occur every time money is taken from a debtor’s salary. Attachment of earnings can be a cause of awkwardness for many employees once the employer becomes involved in the wages arrestment situation.

Will My Job be at Risk?

It is highly unlikely for your current job to be at risk. However, your employer may mark this as a disciplinary or not look at you as a candidate for further higher-ranked positions within the company. If an Earnings Arrestment does put your job at risk, you can ask your council to put a repayment plan in place. If they agree to this, you can apply to the Sheriff Court for a suspended attachment of earnings order.

How Can I Keep Track of what I need to pay?

Your employer will keep a record of how much is left to clear your bill. They should stop making deductions once the amount is paid in full.

Your wage slip should also tell you how much has been taken for the attachment of earnings order. Remember that your employer can take an extra £1 for each deduction for their administration costs.

We recommend that you keep wage slips as your record of the amount paid. If you need more information about the balance left to pay, please speak to your employer.

What if My Employment Status Changes?

If you change your job, the earning arrestment stops. You will have no earnings for your previous employer to deduct your wages from.

However, your previous employer will most likely be instructed to provide the details of your new employment to the sheriff officers. Your new place of employment will be found in a variety of ways, From your Tax code to your National Insurance number.

The wage arrestment, therefore, can follow you

How Can I Prevent an Earnings Arrestment?

Seeking Debt advice would be the best way to avoid your earnings being arrested. Click Here for FREE financial advice. Find A Debt Expert can provide you with the legal steps you can take. Give us a call on 0161 694 2650 or email us at info@findadebtexpert.co.uk

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Find a debt expert provide a free service for our clients, however, we may receive a referral fee from your solutions provider.