With council tax bills rising again, more households are struggling to keep up with payments. Falling behind on council tax can be stressful, but it’s important to know your rights and what options are available to you.

What Happens If You Miss a Council Tax Payment?

First Reminder Notice

If you miss a payment, your local council will send you a reminder. You’ll usually have seven days to pay.

Second Reminder & Final Notice

If you miss another payment within the same year, you’ll get a second reminder. A third missed payment usually means you lose the right to pay in instalments, and the full annual bill becomes due.

Court Summons & Liability Order

If you don’t pay, the council can apply for a liability order from the magistrates’ court, giving them legal power to recover the debt.

How Councils Can Recover Unpaid Council Tax

Once a liability order is in place, councils can collect the unpaid amount in several ways:

  • Deductions from Benefits or Wages –  If you receive Universal Credit, Employment Support Allowance, or other benefits, deductions can be taken directly. Your employer may also be ordered to take money from your wages.
  • Bailiffs (Enforcement Agents) – If you don’t arrange a payment plan, the council may send bailiffs to recover the debt. This adds extra charges to what you owe.
  • Charging Orders & Bankruptcy – In extreme cases, councils can secure the debt against your home or even apply for bankruptcy if you owe a large amount.

Your Rights: What Councils Can’t Do

  • Sent to Prison – Prison for non-payment of Council Tax is a last resort, after all other attempts to recover the money have failed.

You won’t be imprisoned unless you wilfully refuse to pay despite having the means or are guilty of ‘culpable neglect’ (i.e. you could have paid but didn’t)

  • Bailiffs Must Follow the Rules – They can’t enter your home by force, take essential items, or harass you.
  • You Can Challenge Unfair Demands – If you think your bill is incorrect or your banding is wrong, you have the right to dispute it.

What to Do If You Can’t Afford Your Council Tax

  • Contact Your Council Immediately – Many councils offer flexible payment plans or discounts for those in financial hardship.
  • Check for Discounts & Exemptions – Single-person households, students, and low-income families may be eligible for reductions.
  • Apply for Council Tax Support – Some councils offer schemes that reduce bills for people on low incomes.
  • Seek Free Debt Advice – Charities like StepChange and Citizens Advice can help you manage your debt and negotiate with the council.

Time for Reform

The current council tax system is outdated and unfair, forcing many households into financial hardship. That’s why Fairer Share is campaigning for a Proportional Property Tax —a simpler, fairer alternative that ensures no one pays more than their fair share. Sign our petition here and help us fix this broken system.