Will some of us lose out
janer1967
Online Community Member Posts: 21,922 Championing
After the announcement about the support from gov for increase in energy cost and watching Martin Lewis earlier
My understanding is that the £150 rebate on council tax won't be applied to those getting council tax reduction eg if they pay no council tax
I get that if they don't pay CT then they cant give rebate but again that means lots of disabled people are missing out
Does this mean for example if your annual bill is £80 you would get that rebate
They did mention a discretionary fund to local councils for those on low income
I might have got this all wrong but is what my understanding is so don't shout at me just correct me if I'm wrong
If I'm right what are your thoughts
My understanding is that the £150 rebate on council tax won't be applied to those getting council tax reduction eg if they pay no council tax
I get that if they don't pay CT then they cant give rebate but again that means lots of disabled people are missing out
Does this mean for example if your annual bill is £80 you would get that rebate
They did mention a discretionary fund to local councils for those on low income
I might have got this all wrong but is what my understanding is so don't shout at me just correct me if I'm wrong
If I'm right what are your thoughts
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Comments
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Its a lot to take in with it all Jane, the council tax the 200 pound towards energy costs and so on. I pay council tax at a reduced rate
Its all on question time now bbc0 -
janer1967 said:My understanding is that the £150 rebate on council tax won't be applied to those getting council tax reduction eg if they pay no council tax
I get that if they don't pay CT then they cant give rebate but again that means lots of disabled people are missing out
Does this mean for example if your annual bill is £80 you would get that rebate
They did mention a discretionary fund to local councils for those on low income
Who benefits from that fund will depend on how councils use it. Obviously the administration of these funds involves local authorities in extra work (and administrative costs). Where I live two adjoining local authorities have adopted completely different approaches to using the current winter discretionary fund. One requires people to apply for help and to include full financial income etc (much like applying for a Discretionary Housing Payment). The other has simply decided to pass the money on to people who receive Housing Benefit and/or Council Tax Reduction by providing them with vouchers of various kinds.
(The disadvantage of the latter approach is that there are many people not eligible for CTR who would be eligible for HB except for the fact that they receive help with rent through UC, these claimants will not be known to the local authority.)0 -
For the last two years, my CT has been zeroed by the council due to the pandemic. I was paying about £149 a year, at the start of the pandemic they decided all working age households in receipt of CTR would get £150 off their bill. It hasn't been announced what they're doing this year, but I doubt they'll continue with the pandemic rebate.
As for the energy loan, I've never known energy bill come down, and I'd like to be given the option of not having it. There's no guarantee that energy will be any cheaper when the loan repayments fall due, or that people will be able to afford the repayments. To my mind, its an empty gesture and just storing up hardship further down the line. Also, what happens if you change supplier for any reason in those 5 years?0 -
Also on Martin Lewis show it said anyone who pays energy bills in future but not currently would still have to pay the £40 per year back even if they didnt get the rebate eg someone who is still living at home with parents but then in 2 years time get their own place and pay energy bill will have to pay the £40 charge even though they didn't take the loan
So the parents will pay the loan and then the child who moved out will pay it too
Mmm doesn't sound right to me
I know it's early days and lots to work out bur already lots of what if questions0 -
The more I hear about this, the more it sounds like a government con trick.0
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TheAlien said:For the last two years, my CT has been zeroed by the council due to the pandemic. ... I doubt they'll continue with the pandemic rebate.0
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janer1967 said:...anyone who pays energy bills in future but not currently would still have to pay the £40 per year back even if they didnt get the rebate eg
....Mmm doesn't sound right to me
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I am "trying" to go with the flow, as a lot of this is out of our hands but i am really worried about it all.
I've never known any thing like this in our country, the nearest i can remember was back when we had lots of strikes and when interest rates were at a 15% high, money was tight then.
It just feels that we should be happy that things are getting a bit better with the pandemic, but were all being hit with this, another big worry.
I think we are going to see a lot more businesses go under.0 -
@calcotti I get that it works both ways some people will not pay the loan back .
I don't like the concept of being forced to take a loan I never asked for .
I don't know an alternative solution and doing it this way at least means the money will be spent on energy by everyone and there ars always pros and cons to everything
In my opinion and its only my opinion the gov think they may win the nations trust back doing this but in reality could do the opposite when people realise the reality of the scheme0 -
@woodbine I agree it will be good for some but not everyone
For myself for example my bill is about £950 ,for both so will increase by £475 approx I will get the £200 in Oct to be paid back but I won't get the £150 council tax as my ct bill is only about £80 with ctr so even if I get £80 rebate cost will still be around £200 more next year
I'm not complaining as we all expected this and don't expect the gov to cover all the cost but just giving a diffetent example
And in reality with the £200 being a loan I may not get any support at all if I am not eligible for the ct rebate
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My view is that it was supposed to be something to help the low income bracket but.in reality if they get ctr they may not benefit
Disabled are a group of people who benefit from ctr and thus may not benefit from the rebate0 -
If the £150 works anything like the pandemic support then it would either be if you had paid anything already it would be refunded and the balance set at £0. If you hadn’t paid anything and you have a balance still then it would just reduce.For example, the first time in terms of the CT pandemic payment I had paid my full amount of £165 and I was refunded £150.The second time it was just added to the bill calculations so it was shown as a minus and my overall CT was like £15 to pay.0
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My local Authority extended the support for an extra year so i haven't paid anything since the start of the pandemic. I'm not expecting to pay anything for 2022/23 either because of this extra £150. Normally i would pay about £9ish per month.
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janer1967 said:My view is that it was supposed to be something to help the low income bracket but.in reality if they get ctr they may not benefit
I still can’t decide whether this is a sensible proposition in terms of a pragmatic way of distributing money or very badly targeted. I am a fortunate person who will get the £150 but can manage quite comfortably without it - perhaps I’ll donate it to a food bank.
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Sorry to keep adding stuff but another question that may get asked
What if you are with 2 different energy suppliers eg one for gas and different one for electric do you get the loan twice ?
@poppy123456 your roughly same as me with council tax so what happens to the other £60 as you bill is less than the £150 allowance
Don't get me wrong I'm very grateful for ct reduction and my other benefits and I know whatever the gov do won't please everyone
I'm just playing devil's advocate and pointing out for everyone a few things that have crossed my mind about it all0 -
The rise of 3.1% will be lower than inflation which the BOE has predicted will be around 7% unfortunately.0
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yep but more then we had last year if i remember rightly x0
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I have no idea what happens to the rest of the £150 if your bill is less than this. If it’s reduced to zero they obviously can’t reduce it anymore than this.0
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