Last reviewed: November 2023

What's it all about?

This article's designed to help you:

  • Understand why Council Tax debts need to be cleared fast.
  • Learn whether you’re owed a Council Tax rebate or other help.
  • Get assistance if you’re struggling to pay your Council Tax bill.

The basic rule with any kind of debt is that it’s usually better to pay down what you owe than to save up money. Basically, your debts will almost always mount up faster than the interest on any cash you’re putting aside. Over time, you’re stacking up debt instead of savings

Once you understand that principle, the next step is to weigh up which debts you ought to bring down first. It’s easy to assume that the most expensive ones should go at the top of the list – but that can sometimes be a bit of a trap. Certain debts come with extra strings attached, even if they’re ‘cheaper’ than others. Even relatively small debts can sometimes land you in legal trouble fast.

Council Tax debts, for example, might not seem like a priority compared to high-interest loans or expensive credit cards. However, given that councils in England can hike Council Tax rates up by 5% per year without a local vote, they can get you into serious trouble if you don’t take care of them quickly. Worse still, a lot of Council Tax problems could be completely unnecessary, since there’s a real chance you might actually be owed a tax rebate for Council Tax.