Home / News / Time to Make Council Tax Collection Work for Everyone Says Citizens Advice Cornwall

Time to Make Council Tax Collection Work for Everyone Says Citizens Advice Cornwall

Regulations governing how council tax arrears are collected are inflexible, push people further into debt and need to change, says Citizens Advice Cornwall.

That’s because when people miss a single council tax payment, they become liable for the full year’s council tax bill soon after. The rules also mean councils are pushed to use the court process to collect arrears, and don’t set out what good collection looks like.

Citizens Advice Cornwall says the regulations governing how arrears are collected limit the ability of councils to collect debts fairly. This can cause debts to spiral making it harder for people to get their finances back on track.

The call comes as new figures published by national Citizens Advice this month show that last year, for every £1 referred to bailiffs for collection, councils received just 27p in return. It also found:

  • Bailiffs cost 53p for every £1 they recovered. Most of these costs are paid by people in financial difficulty. This is money that could otherwise be used to pay back arrears.
  • Bailiffs failed to collect an average of £2.5 million per council last year.
  • Over the last five years, on average, bailiffs only collected 30% of the arrears they were sent.


Last year Citizens Advice Cornwall helped 654 people with council tax issues. It is also the most common debt problem brought to the charity, helping 86,000 people nationally each year. In 2018, an estimated 2.2 million households in England were behind on their council tax bill.

Reforming how council tax is collected is just one of the ways Citizens Advice is asking the next government to help people recover from debt.

What needs to change?

Some aspects of the process are not within the council’s power to change. That’s why Citizens Advice Cornwall want to see central government improve the regulations which govern how council tax is collected on a national level, to enable councils to collect debt fairly and efficiently.

As a minimum, the next government should amend the Council Tax (Administration and Enforcement) Regulations 1992 to:

  1. Stop people being asked to pay their entire annual bill if they miss one monthly payment. This would make it easier for people to arrange and keep up with repayments.
  2. Give councils the power to initiate deductions from benefits without getting a liability order. These would need to be made at affordable levels so people could continue making repayments.
  3. Set out more steps councils must take before using the court process. This would ensure that all people in debt are given the option of affordable repayments to get back on track.
  4. Remove the threat of imprisonment for council tax arrears in England. This would protect the most vulnerable people and change the culture of debt collection to be more positive.


Citizens Advice Cornwall Chief Executive, Gill Pipkin, said:

“Council tax debt is one of the biggest debt issues we help people with in Cornwall and many of the problems relate to the way this is collected.

“Our advisors see first-hand the impact the quick escalation of the debt through a court process and the use of bailiffs has. These practices add extra costs, can worsen people’s mental health and make it harder for them to get their finances back on track.

“The way regulations control councils’ powers to collect council tax debts makes it hard for them to do so in a fair way. That’s why we want central government improve the collection rules in England and put an end to ineffective practices, including charging a full year’s bill after a single payment is missed.”

If you are struggling to pay your council tax bill or have other debts, Citizens Advice Cornwall can help.

  1. Work out how much you owe – and if you have other debts, make a list of who you owe money to and add up how much you need to pay each month. If you don’t have your most recent statements, contact your creditor to find out what you owe.
  2. Prioritise your debts – council tax is a priority debt as there can be serious consequences if you don’t pay. Other priority debts are rent, mortgage, energy bills and court fines. These should always be paid first. Separate these and work out how much you owe.
  3. Check if you can claim council tax reduction or a council tax discount or if there are any other ways of increasing your income or reducing expenditure.
  4. Work out how much you can pay – create a budget by adding up your essential living costs, such as food and housing, and taking away these from your income. Any money you have spare can be put towards your debts. Citizens Advice budgeting tool can help.
  5. Paying urgent debts – You might have to contact priority creditors quickly in urgent situations, such as if you are about to be evicted. Tell them you’re seeking debt advice so you can find a way forward. You could try to pay them something if you can afford to.
  6. Paying non-urgent debts – If you have any money left after paying priority debts, consider getting a free debt-management plan. You’ll make one monthly payment to the plan provider, who will handle paying your creditors. Or contact your creditors and offer them what you can afford to pay.
  7. If you can’t pay your council tax bill or other debts, seek advice from us straight away.

We give people the knowledge and confidence they need to find their way forward – whoever they are, and whatever their problem.

Notes to editors:

  1. Citizens Advice is made up of the national charity Citizens Advice; the network of independent local Citizens Advice charities across England and Wales; the Citizens Advice consumer service; and the Witness Service.
  2. Our network of charities offers impartial advice online, over the phone, and in person, for free.
  3. We helped 2.7 million people face to face, over the phone, by email and webchat in 2018-19. And we had 29 million visits to our website. For full service statistics see our monthly publication Advice trends.
  4. Citizens Advice service staff are supported by more than 21,000 trained volunteers, working at over 2,600 service outlets across England and Wales.
  5. Citizens Advice is the largest provider of free, multi-channel debt advice. Providing that help gives Citizens Advice unique insight into the types of debts people struggle with.
  6. You can get consumer advice from the Citizens Advice consumer service on 03454 04 05 06 or 03454 04 05 05 for Welsh language speakers.