A spokesperson for the London Borough of Tower Hamlets confirmed that it puts no time limit on reclaims and said: "When an account is closed, we send a bill detailing the credit due and advising of the refund process. Claim a year's worth of tax relief. how to check and challenge your council tax band, how to claim the 'severely mentally impaired' council tax discount, the Council Tax (Administration and Enforcement) Regulations. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. For Scotland, see the Scottish Assessors' Association website. Editor-in-Chief, Marcus Herbert, With many households struggling due to coronavirus, saving money has become crucial – so it's…, A major MoneySavingExpert.com investigation in 2019 found there was at least £230 million in…, Tens of thousands of 'severely mentally impaired' people who are entitled to a council tax…. Thousands of people could be due a council tax refund because they've been paying it unnecessarily. Its stance of putting consumers first is protected and enshrined in the legally binding MSE Editorial Code. Don't miss out, Cold weather payments worth £25 have been triggered in some parts of the UK after another cold snap. Here's why closed accounts can end up in credit (in rough order of likelihood): Knowing whether or not you fall into the categories above can be difficult, and we don't want everyone just calling their council on spec to find out. If you think you might owe debt, don't bury your head in the sand. "And while councils do make efforts to track down those who are owed, many don't do it well enough, especially when people have moved out of their area and are no longer their responsibility. Finally, you may be able to appeal if your home should be an exempt dwelling – ie. If you owe the government money (social security overpayment, student loans, etc. Contact the council in the same way as outlined above to check if there's money owed and claim. Martin Lewis VIDEO: Should you pay off your Plan 1 student loan? He was owed despite having paid by direct debit, and his story (he even sent his own freedom of information request to Tower Hamlets) inspired our investigation. Limited and part of the Which? If the band has been lowered since you lived there, you could be owed. Many councils we've spoken to though have told us they don't apply this time limit, and some have confirmed you definitely can claim as far back as 1993. If that's you, you'll need to weigh up whether it's worth contacting your council anyway. If so, you are entitled to this money back – but often you need to claim it, and many don't. To challenge your tax band, follow the process set out above for challenging your council tax bill. If you're worried about work during the coronavirus crisis, this guide looks at your rights if you're self employed, including what help's there for limited company directors. MSE Will also had a nice surprise, when he found he was owed money by Manchester City Council after a new tenant successfully lowered the council tax band. Which? 'I'm self-employed but confused about whether I can claim the third grant' – Unsure? If you believe that your property’s original valuation was a mistake - and you therefore deserve to be in a lower band - you’ll need to persuade the Valuation Office Agency this is the case. There was only credit because I left the borough part way into the month after my direct debit had gone out. 20 November 2020 at 9:41AM in Other Reclaiming: Mortgage Fees, Council Tax etc. Financial Services Limited. To claim your refund, you will need to have your council tax reference number. To do this, you will need to check the band of similar properties near your own and see if they are any lower than yours. You can request a refund if your council tax account is in credit. Email: [email protected], Tools for different credit card types & purchases, Resolver - the automated complaints system. Repayments will be backdated to 1993 at most, as this is when council tax payments were first introduced. What do the councils holding the most credit say? Changing your home’s valuation could result in a higher council tax bill in some cases. A change in your circumstances that results in an overpayment of council tax could entitle you to a council tax refund. Those with the most sitting in their coffers (when we contacted them in January) are listed below: Councils holding the most credit in closed or dormant accounts. Coronavirus Job Retention Scheme: last chance to apply for December payments, A quarter of self-employed workers plan to delay their January 2021 tax payment, The household bills you'll pay as a homeowner. Here's what you need to know, Coronavirus Self-Employed & Small Limited Company Help, Martin Lewis: What happened to my pledge to give £10m to charity – 2021 update, Martin Lewis: Working from home due to coronavirus, even for a day? The government has announced a COVID-19 Council Tax Hardship Fund for people who are working age and on a low income. Council Tax refund for overpayment. A couple of minutes of your time today will make managing your online services quicker and easier. Finds your cheapest energy & monitors to let you know when to switch again. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. If the email address you registered with your old council is one you no longer frequently use, it may be worth checking if it's contacted you on that address. Spotted out of date info/broken links? In basic terms, a council tax account will be in credit if you've paid more than you owe at any point. You can check other properties' bands on the VOA's website. Money Compare is a trading name of Which? Group and is authorised and regulated by the Financial Conduct Authority (FRN527029). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited (registered in England No. You will then receive a revised bill with the instalments adjusted. What if I registered with an old email address? I paid by direct debit – is there a chance I could still be owed? Reasons for overpayment: So if you set up a redirect on your post, this notice from the council would hopefully have made it to your new address. Martin Lewis: I averaged 24,300 steps a day (burning 3,910 calories) in 2020 – here's how... NHS and care worker staff freebies & discounts, 10-piece Lottie London cruelty-free make-up bundle for £19 all-in (£50ish bought separately), 12 FREE ways to learn something new at home, Amazon Warehouse – get returned items or mildly damaged products for knock-down prices, LAST OOOOORDERS! If you pay by direct debit, you'll find your Council Tax account number next to any Council Tax payment on your bank statement. Eight out of 10 councils told us they try to refund credit wherever possible, and if your council has your direct debit details, this should have been straightforward. The property details are wrong or incomplete. moved out of Manchester. If your Council Tax account is in credit, you can apply for a refund. This can result in situations where council tax is under or overpaid. Find out how to apply for a refund if you have an overpayment on your council tax account. In all likelihood, if you owe your ex-council money, it'll have chased you for it already. If you started university between 1998 and 2012, or since then in Scotland and Northern Ireland, you'll have a Plan 1 student loan. Check if you're owed £100+ back. This means it's common to be in credit when you move home. How do I check if my old home has been rebanded? Overpayments may be due to: Vacating a property; Discount or exemption awards; Pensioner reductions; Band reductions; Disabled relief; Once we have validated your request we will aim to issue your refund within 7 to 10 days. If the VOA finds that your property has incorrectly been put in a higher band, not only will your council tax bills be lowered in future, but your council will refund you the money you've overpaid. We aim to look at all available products. . There have been changes to your property since the original valuation, such as part of it being demolished, or if it has been converted into flats. "To ensure residents have the maximum opportunity to reclaim any credits, unlike many councils, Hackney does not clear unclaimed credits after a set time period (often six years) but instead allows residents to claim it indefinitely. One way of reducing your council tax bill is to get your property revalued and moved into a cheaper band. Policy on this varies from council to council. A good initial check would be to ask your former housemates etc if they have been refunded. We’ll only refund your credit if you don’t owe us any further Council Tax. If you have been paying your Council Tax by Direct Debit, we will refund your money back into the bank account that the money was sent from. Discover the household bills and maintenance costs you need to budget for when you buy your first home. Financial Services Limited is a wholly-owned subsidiary of Which? If you owe less on the tax return than you paid, you will receive money for the overpayment. An overpayment can happen if you: get a Council Tax discount, exemption or other support; move out of your home; change your Council Tax band; If you make an overpayment, your account will be in credit. Cold weather payments triggered - can you get £25 towards your energy bills? So to help, we've tried to narrow down who's most likely to be able to claim, so you can weigh up whether to try it. (See how much your council owes below – in Northern Ireland, where you pay rates not council tax, it works differently.). Yet strictly speaking, councils can apply the statute of limitations to reclaims as long as they have previously tried to notify you of the credit, so in England and Wales they can stop you reclaiming six years after the account was closed, and in Scotland, five years. A couple of minutes of your time today will make managing your online services quicker and easier. For all the latest deals, guides and loopholes - join the 12m who get it. When completing any e-forms in the future, simply log in and your personal details will already be completed for you. But in the grand scheme of things you're more likely to know your closed account was in credit. When a claim is made, refunds are processed as a priority. In the event that this isn't possible, please provide details of where the refund should be issued. However, to be clear, there will be exceptions – some who have moved within local authorities and/or paid by direct debit WILL be owed too. The refund will go into your bank account when you tell us you’ve moved. Unique tool uses probability to estimate winnings. If you moved within the same local authority area, it's more likely the council would have spotted your old account was in credit and refunded you/reduced your bill at your new address – whereas you're more likely to be owed if you left the area, especially if you didn't leave a forwarding address. This is the first incarnation of this guide. Laurence Prax, 28, from London, recently reclaimed council tax credit after moving away from the London Borough of Tower Hamlets – though in his case, he did so after being told  by the council he could reclaim. You can’t appeal just because you think your council tax bill is too expensive. Once you have an account you will be able to see a history of your requests and link to other council services such as council tax. Normally, this isn't a problem – in fact, as council tax is usually paid in advance you'll often be in credit. Expect delays if you mailed a paper return or had to respond to an IRS inquiry about your e-filed return. The Valuation Office Agency (VOA) for England and Wales deems the following reasons acceptable for making a challenge: You can’t usually make a challenge on the same grounds more than once – but this might be possible if it has a different effective date. Within the last week, we've seen the extension of coronavirus credit card, personal loan and overdraft help to 31 October 2020, with mortgage payment holidays already extended. Alternatively, you can also appeal if you are being sent bills but are not the person liable to pay council tax – for example, if you are a landlord and your tenants should be paying council tax. In the event that this isn't possible, please provide details of where the refund should be issued. It's worth noting this means the third party used may be named on any credit agreements. A property should be removed from, or added to, the rating list. This guide explains how to check if you're owed and claim if you are. If you have moved out of the borough a refund can be made. Councils tell us someone passing away is often a reason for an account being closed, and some accounts may be left in credit. Please read the Full Terms & Conditions, Privacy Policy, Cookies Policy, How this site is financed and MSE's Editorial Code. Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665, and is an Introducer Appointed Representative of Which? a refund of excess tax payments under this subsection to the various taxing jurisdictions in the same proportion as the taxes levied. See MCL 211.154 (3) and (4) regarding the applicability of penalty and interest. More than you paid, you need to take responsibility for ourselves a further five had over £5 million your! Find my old home has been lowered since you lived there, you could due... But often you need to keep a few things in mind to record a journal entry someone. Your cookies preferences here please feed back and let us know your successes! Wales on the council tax you know when to switch again far as 1993, when council tax that. 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