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Has anyone done this or know anything about Council Tax Rebanding Lower your band and save £1,000s ?

lesleysherrock Avatar
8y, 8m agoPosted 8 years, 8 months ago
Info on moneysavingexpert site
http://www.moneysavingexpert.com/reclaim/council-tax-bands-change
How does it work ?

In ten minutes, at no cost, you can check n challenge your council tax band, potentially slashing what you pay now and getting a backdated rebate to when the system started in 1993. Thousands have already tried this and many succeeded in getting £1,000s back.
lesleysherrock Avatar
8y, 8m agoPosted 8 years, 8 months ago
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#1
Direct link :
http://www.moneysavingexpert.com/reclaim/council-tax-bands-change

Many homes are in the wrong council tax band, and have been since 1991. Back then, the Tory government was trembling after the poll tax riots and was desperately awaiting the 1993 launch of the new council tax system. Yet it needed every house in the land to assessed and put in a valuation band. So, it outsourced the job to estate agents and others.

2nd gear evaluations

You probably imagine some duffle coated chap actually went into houses and said things like “two bedrooms? Is that one en suite?” but it was nothing of the kind. They had so many homes to assess, there was only one solution.

They sent people out in pairs, got in cars, and drove down countless streets, allocating each property a band with just a glance. Not only did they never get out, in the industry it became known as “second gear valuations” as they never even stopped the cars.

Even though this system was patently just a short cut; scandalously no government since 1991 has arranged any revaluation in England and Scotland, though the Welsh assembly has done it for all homes there. This leaves that flawed old valuation still dictating your band, which is why you could be paying more than your neighbour even though you live in exactly the SAME size house.

How are council tax bills worked out?

How much council tax you pay depends on your property's banding; a letter from A to H which depends on the value of your home in 1991. Individual councils then annually decide the amounts that should be payable for band B and D, with all the other bands then calculated proportionally.

Thus, it's possible you and a friend both have band C properties, yet as you live in Weston-Super-Mare you pay more than they do in Wrexham. To compare your council tax with the UK average go to Upmystreet.

How much can you expect to get ???????????
#2
Thanks for the grat info just calculated mine and its correct but could help lots of people
#3
Another reason I won't be voting Labour (as if I needed more!): rebanding has been carried in out in Wales but not in England. The Government even had the cheek to tell me that the rebanding was just a paper exercise & wouldn't result in me paying more Council Tax!!!!
#4
Woo hoo! Just noticed that I've passed 500 posts!
#5
By far the most important step is to find out if your band’s higher than neighbours' in similar or identical properties. While you could simply ask them, there’s no need. The band of every house in England, Wales & Scotland is public info via the following websites.

In England and Wales use the Valuation Office Agency (VOA) http://www.voa.gov.uk/cti/InitS.asp?lcn=0

In Scotland use the Scottish Assessors Association (SAA)
http://www.saa.gov.uk/

So first check your band, and then your neighbours'. Do ensure the properties are as close as possible in size and value though. Sadly, the sheer scale of the database means a few properties are missed off it, if that happens either speak to neighbours directly or contact the council and ask why.

If neighbours in similar properties are in a lower band than you… then you may have a claim.
#6
A useful second check is to calculate what your home was worth in 1991, as the council tax bands depends on that. This is the fun bit, because you get to legally spy on what your neighbour's houses were bought/sold for. There are three parts to this check:



Value your house on free house price sites.

Go to http://www.nethouseprices.com/, which gives a free search of the prices of all houses sold in your street since 2000. Find the most recent sale price of a similar property to yours (or even the price you bought yours for), in your street. Now note down both the PRICE and the DATE OF SALE.

For alternative tools to help read the http://www.moneysavingexpert.com/mortgages/free-house-prices article.

Now, calculate your house’s value at 1991 levels.

Take the PRICE and DATE OF SALE from the first part and use it to work out what your house would've been worth in 1991 as that’s what council tax bands depend on.
To do this go to the http://www.nationwide.co.uk/hpi/. This is actually designed for people to put in their house price when they bought it, and work out what it's worth now. Yet it is possible to use it in reverse to get a rough value back in 1991.



How to get the calculator to do it

A. Scroll down the page to the calculator

B. In ‘Property value' note the sales PRICE from earlier

C. In ‘Valuation date 1' enter the DATE OF SALE from earlier (do ensure you put down which quarter of the year it was).

D. In Valuation date 2' enter 1991, and Q2

E. Select your region from the drop down list

F. Click ‘calculate the results’


The results, rather strangely, appear just above the calculator.

E.g. it will say,


“A property located in North West which was valued at £170,000 in Q4 of 2007, would be worth approximately £59,608 in Q2 of 1991. This is equivalent to a change of -64.94%.”

The results, rather strangely, appear just above the calculator.

E.g. it will say,


“A property located in North West which was valued at £170,000 in Q4 of 2007, would be worth approximately £59,608 in Q2 of 1991. This is equivalent to a change of -64.94%.”
#7
Compare it to council tax bands


This gives you a rough idea of your house’s value in 1991 prices; now compare this to the actual bandings, to see what banding you should be in. Do remember as this is only a very rough indication of your house’s 1991 value, it’s a safety check more than anything else.

Council Tax Bands at 1991 Property Value
Band ENGLAND 1991 Property Value SCOTLAND 1991 Property Value
A All properties under £40,000 All properties under £27,000
B £40,001 - £52,000 £27,001 - £35,000
C £52,001 - £68,000 £35,001 - £45,000
D £68,001 - £88,000 £45,001 - £58,000
E £88,001 - £120,000 £58,001 - £80,000
F £120,001 - £160,000 £80,001 - £106,000
G £160,001 - £320,000 £106,001 - £212,000
H over £320,000 Over £212,000
#8
dmissy13
Thanks for the grat info just calculated mine and its correct but could help lots of people


I think I'm in the wrong band, so I will give it a go & see what happens & will post back with the result in a few weeks
#9
Thanks for this,lesley.

I have contacted my local valuation office and they are now doing a report,I may get my band reduced based on the fact that a property the same as mine is in a lower band(it looks like they appealed and were successful!)

I should hear something in 6/8 weeks:thumbsup:
#10
muckypup
Thanks for this,lesley.

I have contacted my local valuation office and they are now doing a report,I may get my band reduced based on the fact that a property the same as mine is in a lower band(it looks like they appealed and were successful!)

I should hear something in 6/8 weeks:thumbsup:

That's brilliant, I'm just about to start mine, fingers crossed & good luck hope you get yours !
#11
I've just looked at the bands for my street. There are 27 houses, 7 have challenged the banding and all 7 are now in a lower band than the other 20! Mine is one of the 7, but it seems that the other 20 should be challenging.
#12
lesleysherrock
That's brilliant, I'm just about to start mine, fingers crossed & good luck hope you get yours !

There are no guarantees(is there ever!) but you never know.

I have worked out that,if successful,and they rebate me, I should get a cheque for nearly £2000:w00t:

Will let you know how it goes.
#13
chrysha
I've just looked at the bands for my street. There are 27 houses, 7 have challenged the banding and all 7 are now in a lower band than the other 20! Mine is one of the 7, but it seems that the other 20 should be challenging.


I will be telling my neighbours if my appeal is successful:thumbsup:
#14
chrysha
I've just looked at the bands for my street. There are 27 houses, 7 have challenged the banding and all 7 are now in a lower band than the other 20! Mine is one of the 7, but it seems that the other 20 should be challenging.

Yes they should, why dont you tell them ..............
#15
I think I might challenge because similar flat have different band where I live.
#16
Abvance
I think I might challenge because similar flat have different band where I live.


You might as well have a look, theres nothing to loose & pleanty to gain !! Good luck
#17
lesleysherrock
Yes they should, why dont you tell them ..............

I will!
#18
So did you guys write a letter or fax/email/phone? I need to know where exactly to write to.
banned#19
Checked but I'm in the right band...also noticed I paid £18k more for my house than the next door neighbour over a 7 month period and we thought we had got ourselves a bargain with £10k off the asking price :-(
#20
I was thinking about asking as out of the whole street my neighbour and I are in the same band but everyone else is lower. I spoke to my OH and he said it must be to do with us having garages attached and nobody else does. He also said you have to be careful that he knew somebody that asked to be assessed and he ending up in a higher band.
Anyone heard of that happening before? And does a garage add more value than a bedroom? 4 bedroom house is lower than my 3 bedroom house with garage.
#21
Submitted an appeal online, should get a response by the 27th.
banned#22
vicki4903
I was thinking about asking as out of the whole street my neighbour and I are in the same band but everyone else is lower. I spoke to my OH and he said it must be to do with us having garages attached and nobody else does. He also said you have to be careful that he knew somebody that asked to be assessed and he ending up in a higher band.
Anyone heard of that happening before? And does a garage add more value than a bedroom? 4 bedroom house is lower than my 3 bedroom house with garage.


Bit hard to do that calculator unless your or their house has been bought/sold in past 8 years, but that would give you the best answer.
#23
I bought my house just over 3 years ago but neighbours have been in theirs for years. So hard to work it out.
Have you heard of anyone being assessed and going higher?
#24
I don't think you would go higher, unless you were really on lower band, besides we are 'appealing' not asking to be re-assessed which is more risky.
#25
been looking at it but havent done it yet
#26
Just wanted to let people know I got my band lowered from C to B!
#27
Nice one...

Checked, but seems I'm in the correct band... bumhole...
#28
I just got a £280 rebate on my old flat! I have not lived there for 2 years but as it has been rebanded I got a rebate for the time I was there.

If you have moved make sure you check your old property. If it has been rebanded contact the council for a rebate!
#29
Whoever lived where I am since '93 would get thousands! I've only been a year or so.

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