Having trouble paying your Council Tax?

If you find that you are having difficulty keeping up with your payments, please contact us as soon as you get into arrears. We understand that sometimes, paying late can be for a reason. Get in touch and we will try our best to help you if we can.

Coronavirus

If you have been affected financially by the Coronavirus and believe you will have difficulty meeting your instalments, we are here to help.  We may be able to grant a reduction, delay your instalments, suspend any recovery action and give advice regarding any other support that is available. 

Although local councils are taking the burden of paying council tax into consideration, as it stands, most households will have to keep paying council tax as normal at the moment, during the outbreak.  We can reassure you that we will not take any new recovery action if residents are temporarily unable to pay council tax.

Head to your My Erewash account (opens in a new window) and complete the form called Council Tax - Delay Recovery Request if you need help.

Council Tax Support (CTS)

The council operates a council tax support scheme which supports households of working age with low income, whether in work, unemployed or retired. 

There is a maximum capital limit of £16,000, unless you are in receipt of the guarantee element of Pension Credit.  

We are encouraging eligible residents to claim CTS as soon as possible, should the need arise. Claims for CTS must also be completed via your My Erewash account. We will be prioritising the processing of claims to get this support to our residents as soon as possible.

The council also has a Hardship Fund, for households in receipt of CTS that continue to have difficulty paying their Council Tax.

Awards are considered on a case by case basis.  Claim forms for CTS and Hardship are available through your My Erewash account.

Text and Email Reminders

Each month we have to issue reminders to a number of residents who have not paid the latest instalment of their council tax.  We would prefer not to send any reminder notices, so we are looking at other ways to contact residents effectively and to prevent further formal recovery action being required. We will be sending Short Message Service (SMS) text messages and/or an email to remind residents who may have missed an instalment. 

This service can prevent statutory recovery documents being issued and may help you avoid paying expensive costs.

It is your responsibility to maintain the instalments due on your account in line with the bill issued and failure to do so may result in recovery action being taken. 

Who sends the messages

The text messages are sent by us, Erewash Borough Council, and will show as 'ErewashBC'. The text message will contain a short URL using https://sms.erewash.gov.uk. This service is confidential, your mobile number will not be shared with third parties and you will not get any other marketing messages to your phone. 

Emails are also sent by us. The sender domain name does not have an inbox, therefore you cannot reply to the message. This service is confidential, your email address will not be shared with third parties and you will not get any other marketing emails. 

How it works

If we already have your mobile number and/or email address, you will be signed up for the service automatically. The Authority is under a duty to protect the public funds it administers and to this end may use the information you have provided for the prevention and detection of fraud. It may also share this information with other bodies responsible for auditing or administering public funds for these purposes.

How to spot a scam message

A message is a scam if it:

  • asks for card or bank details
  • says that you are entitled to a refund or band reduction
  • offers to write-off council tax arrears for a fee

Further information on Council Tax scams can be found at Gov.uk (opens in new window)

You will be required to verify that you are the intended recipient of the text or email, to ensure compliance with General Data Protection Regulations.

If you have any doubt about a message you have received you can get in touch using our contact form   

Do not give out your personal details if you think that you may be at risk of identity fraud.  If you are a victim of identify theft, it may have a direct impact on your personal finances and could also make it difficult for you to obtain loans, credit cards or a mortgage until the matter is resolved.

Example Of Email

Dear *****,

You currently have an outstanding matter with Erewash Borough Council, Revenues Section in respect of unpaid Council Tax. For more details go to **********************

Please do not ignore this message.

Recovery Team

Erewash Borough Council

Example Of Text Message

Dear *****,

You currently have an outstanding matter with Erewash Borough Council, Revenues Section in respect of unpaid Council Tax. For more details go to **********************

Please do not ignore this message.

Reminder Notice

If you do not pay an instalment when it falls due, we will send you a reminder notice.  You must make sure you make the requested payment immediately. If we do not receive the payment within seven days of the date of the reminder, you will lose your right to pay by instalments and you will be required to pay the entire year's bill in full within a further seven days, or a summons will be issued.

Second Reminder

If, after receiving a reminder, you do pay off that instalment within seven days but you then fall into arrears on another instalment, you will be sent a Second Reminder Notice.  This will be your final chance, as no further reminders will be issued. If you fail to pay the amount due within seven days, you will lose the right to pay by instalments and you will be required to pay the entire year's bill in full within a further seven days, or a summons will be issued.

Final Notice

If, after receiving two reminders and paying off the instalments as requested, you fall into arrears for a third time, a Final Notice will be issued, demanding the entire balance for the year to be paid in full. You have already lost your right to pay by instalments and if the entire year's balance is not paid within seven days, a summons will be issued, even if your statutory instalments have been brought up to date.

Summons

If you receive any of the above notices and fail to make the payment demanded, the Council will apply to the local Magistrates' Court for a Summons to be issued against you. The issue of a Summons will also result in you incurring additional costs, which will be added to your account when the Summons is issued and must be paid in addition to the outstanding balance of your Council Tax.

If you have any queries regarding the Summons, or wish to discuss a way to pay, please contact us immediately. 

Liability Order

Failure to pay the balance demanded in full before the Court hearing date stated on the summons, will result in the Council making an application to the Court for a Liability Order.  A Liability Order gives Erewash Borough Council the authority to take further enforcement action to recover the arrears.  The types of action that are available are to instruct Enforcement Agents to collect the debt, to make deductions from income, to commence insolvency proceedings, to apply for a charge against a property, or to ask the Magistrates to summons you to appear before them to explain your failure to pay, which may result in imprisonment for up to 90 days.

After a Liability Order has been granted, a notice will be issued requiring you to supply financial information. You must complete and return it within 14 days. If you do not, the law states that it is an offence punishable by a fine. The Council will not make an arrangement without this information. Further time to pay the arrears can be agreed if it is an amount that you can afford and will clear the arrears over a realistic timescale.

Arrangements

If an arrangement is made and is adhered to, the Council will not take any further action, however, one of the conditions of an arrangement may be that a Liability Order has to be granted, to protect the Council's interest in the debt.

If a Liability Order has been granted, the law allows Erewash Borough Council to take various forms of further recovery action, including:

Taking Control of Goods

Enforcement Agents are employed to take control of goods for sale where appropriate. If Erewash Borough Council instructs the Enforcement Agents, substantial extra costs may be incurred.  Fees are set by Government legislation and by contacting the Enforcement Agents early, it may be possible for you to minimise these charges.

The contact details for the Enforcement Agents are

Attachment of Earnings Orders

The Council can issue Orders instructing employers to make deductions directly from your pay. The deductions are calculated as a percentage of net income.

Attachment of Benefit

Applications can be made to the Department for Work and Pensions for deductions from Universal Credit, Income Support, Income Based Job Seekers Allowance, Employment Support Allowance or Pension Credits.

Insolvency

If a Liability Order has been granted, the Council can petition for your bankruptcy. The minimum amount that a Bankruptcy Order can be made for is £5,000. You will be served with a Statutory Demand giving you 21 days to clear the debt in full. If the debt is not cleared you could be made bankrupt. Being made bankrupt is a serious matter. It will inhibit your ability to obtain credit, you will have to give up any assets/possessions of value and your interest in your home and your personal finances will be handed to a trustee, who will administer your estate. You will be liable for the costs of obtaining and administering the Bankruptcy Order and these can amount to several thousand pounds.

Charging Order

If Liability Orders have been granted for over £1,000 and you have a legal interest in a property, the Council can apply for a Charging Order against the property. The Council can then apply for the property to be sold to pay the debt. If this action is taken, substantial extra costs will be incurred.

Committal to Prison

The Council can apply, where appropriate, for Committal to Prison for up to 90 days and this will result in extra costs. If you receive a summons for a Committal to Prison hearing you must attend the Magistrates' Court. If you do not attend, a Warrant will be issued for your arrest.

Further Information

If you are struggling with your finances, more information and advice is available on the Debt Advice page of our website (opens in a new window) and Help With Your Council Tax page (opens in a new window)