John Baird

Advice Direct Scotland, which runs the free moneyadvice.scot service, said stricter recovery policies are likely to have the biggest impact on vulnerable people.

The charity revealed last month that some households were already facing council tax debts of up to £15,000 before rates rose across the country at the start of April.

The rises have been coupled with councils taking more rapid enforcement action, with West Dunbartonshire Council changing its policy earlier this month.

Under its new rules, final council tax notices will no longer be issued to those who miss a payment, with only a single reminder notice sent, requiring action within 21 days. Anyone who fails to comply will lose their right to pay by instalments, meaning they will owe the full-year balance.

The council will then make an application to the Sheriff Court to obtain a summary warrant, including a 10% financial penalty, without any further notification.

Advice Direct Scotland is also aware of other councils moving more quickly to recover debt, with those who are already struggling with energy and living costs most likely to be affected.

The charity is able to support anyone affected by council tax recovery changes, and can guide worried households through the process if they miss a payment. Council tax arrears are a “priority debt”, meaning they should be addressed before other debts to avoid harsher enforcement measures, such as bank or wage arrestment.

Councils can seize benefits and take other actions to recover the owed payments, risking the loss of homes or tenancy agreements if left unresolved.

Advice Direct Scotland urges anyone who has missed a payment to contact their council immediately and request to pay in smaller amounts, rather than waiting to be contacted.
The charity is also reminding people on low incomes to check if they qualify for a reduction on their council tax bill.

John Baird, head of debt services at Advice Direct Scotland, said: “Any changes to the recovery process for missed council tax payments are most likely to affect people who are already struggling to pay their bills.

“The removal of final notices and the swift progression to summary warrants, including a 10% penalty, could have serious implications for some. It is understandable that councils want to streamline the recovery process, but it is crucial that they also consider the potential consequences for individuals facing financial hardship.

“These new systems may lead to increased stress and worry, particularly for those who are unable to pay within the 21-day window or negotiate alternative payment arrangements.

“We urge local authorities to ensure adequate support and clear communication is provided to residents, especially those in poverty, to help them navigate these changes and avoid severe penalties. Our team is here to help anyone who is struggling, regardless of their personal circumstances, so please reach out and contact us on 0808 196 2316 for free advice.”