Households Could Save Up to £1,500 a Year with Council Tax Reduction—Check If You’re Eligible
UK households are being urged to check their council tax status, as many could be missing out on valuable reductions worth up to £1,500 per year. With a range of discounts and exemptions available, a quick review could uncover significant annual savings and potentially lead to refunds on overpayments.
Could You Be in the Wrong Council Tax Band?
In England and Scotland, council tax is based on property bands, which often determine how much each household pays. However, thousands of properties may be incorrectly banded, leading to overpayments. If your home is in the wrong band, you could not only be entitled to a lower bill but also a backdated refund. Some households have saved considerable amounts after having their council tax re-evaluated.
To check if your property’s banding is accurate, compare it to similar properties in your area using government websites. A successful revaluation could mean ongoing savings and refunds totaling thousands of pounds.
Council Tax Reductions Worth £1,500 a Year
Certain circumstances can qualify households for reductions worth up to £1,500 annually, helping to ease financial pressures. Some of the most common council tax discounts include:
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Single-Person Discount: Households with only one adult resident can receive a 25% discount on their council tax.
Student Exemption: Full-time students are typically exempt from council tax, potentially saving hundreds per year.
Low-Income and Benefits-Based Discounts: Many councils offer reductions for low-income households or those receiving specific benefits.
Disability Adjustments: Homes adapted for a resident with disabilities may qualify for additional reductions.
Residents are encouraged to check with their local council to explore these options and determine eligibility for these reductions, which can be life-changing for households seeking financial relief.
How to Claim Your Potential Savings
Checking eligibility for council tax reductions is simple and could reveal savings of up to £1,500 annually. Start by confirming your property’s band and exploring relevant discounts. You can contact your local council directly or use online resources to help identify potential savings.
If eligible, you may receive a lower annual bill moving forward and possibly a refund for past overpayments. Taking a few minutes to check could bring substantial relief, ensuring households only pay what they owe.
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The television empire founded by Silvio Berlusconi has stepped up its campaign against German broadcaster ProSieben, calling for the company to “act faster” and make “radical choices” amid speculation that it is gearing up for a hostile takeover.
MediaForEurope (MFE), which is majority owned by the family of the late Italian prime minister and is ProSieben’s largest shareholder, responded to the company’s quarterly results on Thursday with a public call for more growth, less debt and a faster disposal of assets outside its core entertainment business.
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“The current economic situation of the advertising market in Germany increases the sense of urgency,” said Marco Giordani, MFE’s chief financial officer. “We therefore ask the supervisory board and the executive board to act faster, accelerating change and efficiency measures also through radical choices, without further delays.”
With a 29.9 per cent stake in the company, MFE is a fraction below the 30 per cent threshold for making a mandatory takeover offer under German law. Asked if it was planning a takeover bid, the company declined to comment.
ProSieben did not immediately respond to a request for comment.
It all began 21 years ago, when 18-year-old UK gap student Matt Crowcombe decided to donate his pocket money towards a South African child’s education. Over the years following, the small seed planted by this simple act of kindness has grown into a thriving charitable organisation transforming the lives of children across the Western Cape and beyond.
This week SOS Africa marked this milestone anniversary by hosting a birthday party to remember at its recently opened Gordon’s Bay Education Centre. Its VIP guests were staff and children from the charity’s 4 education centres from across the region. From the 6 matric students just weeks away from graduation to the Grade R students who started in January, all joined together to celebrate, united as members of the SOS Africa family.
“It was an emotional afternoon shared with many of the wonderful people who have each played an invaluable part in SOS Africa’s journey here in the Western Cape. Each SOS Africa child and staff member has their own remarkable story, they have fought against the odds to get to where they are today and I couldn’t be prouder of them.
I often reflect on the early days of SOS Africa when we walked the very first sponsored child to his first day at school. Back then I had no idea that, in that moment, a wonderful organisation had been born. I feel truly blessed to have a career which enables me to bear witness to both human kindness and determination each and every day.”Matt Crowcombe (Founder, SOS Africa)
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Combining their favourite activities, the SOS kids feasted on an epic South African braai, played party games together, jumped for joy on the bouncy castle and cooled off in the swimming pool. Meanwhile the high school children finished off the afternoon relaxing at Gordon’s Bay’s iconic beach. It was a truly memorable occasion filled with broad smiles and the relentless sounds of joy and laughter from adults and children alike, but don’t just take our word for it…
“I enjoyed every minute; we were all siblings coming together and enjoying each other’s company and celebrating together.”Meyah (Grade 10, SOS Africa Gordon’s Bay)
“I had lots of fun! We ate nice food and made lots of friends with children from the other centres.”Relton (Grade 3, SOS Africa Elgin)
“I felt like I was rediscovering my childhood magic – I felt young, wild and free!”Kim (Grade 12, SOS Africa Gordon’s Bay)
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“The highlight of my day was hanging out with all the other SOS kids; they were all so friendly! I really enjoyed swimming and the games we played. It was so much fun!”Chrisna (Grade 4, SOS Africa Grabouw)
With the future of the organisation bright, SOS Africa Founder Matt would like to give a final word of thanks to the charity’s many sponsors, donors and fundraisers across the world:
“One of the highlights of my job is communicating with our wonderful supporters who constantly go above and beyond to provide life-changing opportunities for the SOS kids. With each head-earned donation, they take a leap of faith in the hope of making a difference to the lives of children who they have often never met. Thank you for always believing in us – these smiles wouldn’t be possible without you!” Matt Crowcombe (Founder, SOS Africa)
Aviva has reported that wealth net flows rose to £7.7bn in the third quarter of the year as demand for its adviser platform grows.
Platform net flows were up 76% to £3.1bn, reflecting strong growth in its financial adviser platform business, including Succession Wealth and Direct Wealth.
Aviva said in a trading update today (14 November) that it has achieved another quarter of “strong delivery and profitable growth” across all areas the business.
Protection sales increased by 44% following the completion of the AIG UK protection acquisition in April. The group’s general insurance premiums also rose by 15% to £9.1bn.
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Retirement sales are up 67% to £6.1bn, driven by higher demand in the bulk purchase annuity market.
Amanda Blanc, group chief executive, said: “Quarter after quarter, we are delivering consistently superior results and growing Aviva, particularly in the capital-light businesses. General insurance premiums are up 15%, and wealth net flows of £7.7bn are 21% higher, reflecting continued growth in workplace pensions and strong demand from our financial adviser platform business.
“Aviva’s large and growing customer base is a major advantage, contributing to our excellent performance. Over the last four years we have increased customer numbers by 1.2m to 19.6m. We now have five million UK customers with more than one policy and, as the UK’s leading diversified insurer, the potential to grow this further is huge.
“Aviva is financially strong, trading well each quarter, and has significant opportunities for further growth. We are confident about the outlook for the rest of 2024 and beyond, growing the dividend and achieving the Group’s financial targets.”
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The head of Disney and Reliance Industries’ newly merged $8.5bn Indian entertainment titan plans to invest and “revitalise” television in the world’s most populous country even as western media organisations increasingly see it as a dying medium.
Uday Shankar, vice-chair of Jio Star — the freshly formed company whose merger was completed on Thursday — said traditional television revenue could experience “significant double-digit growth within the next several years” on the back of fresh investment in innovative content ranging from dramas to soaps.
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“There is this whole narrative that television is dead and it’s all about streaming,” Shankar told the Financial Times in Mumbai in his first interview since the combination was approved by India’s regulators. “Television in this country for sure is not dead.”
While lagging growth in online streaming, Shankar pointed to a still robust linear pay-TV industry as more Indians steadily join the middle class.
EY predicts TV revenue in India, from subscribers and advertising, will increase by 10 per cent to $9bn in the three years through to 2026, while TV ownership will climb at a similar pace to reach 202mn sets.
“A large number of people are coming into the economic mainstream every year,” Shankar said. “One of the aspirational items of consumption that they acquire, or they want to acquire, is a TV.”
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Shankar’s comments came as he outlined his plans after Disney and Reliance, the conglomerate run by Asia’s wealthiest man Mukesh Ambani that spans petrochemicals, retail and telecoms, agreed earlier this year to combine their Indian entertainment assets.
The combined entity has more than 100 television stations and more than 50mn streaming subscribers.
“It’s a monster merger . . . there is no competition,” said Shankar, a media industry veteran who will run the company, which is chaired by Ambani’s wife, Nita. “We have to reinvent the market and make it much bigger.”
The joint venture came together earlier this year after Disney battled to gain traction in India’s huge cricket and film markets, which have both tempted and thwarted global media majors who have struggled with highly cost-conscious audiences and fierce local competition.
The new Jio Star, formed from these lossmaking media businesses, aims to hit profitability within five years. Investment bank Jefferies has compared its control over Indian sports rights to that of ESPN in the US and Sky Sports in the UK.
The media group, which has a roughly 35 per cent market share in TV, won over competition authorities after promising to shed a handful of regional TV channels and not bundle advertisements across its cricket portfolio or to raise rates exponentially.
Shankar said that “dominance in sports is highly overrated” and criticism of Disney and Reliance’s hold was “somewhat uninformed because sports rights in this country are awarded to you for a frighteningly short period of time — it’s anything from three to five years”.
Other Indian media houses have also attempted to downplay the industry impact of the merger.
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Punit Goenka, chief executive of Zee Entertainment, whose long-planned tie-up with Sony would have created a $10bn rival to Jio Star before it acrimoniously collapsed earlier this year, said he did not expect to see much change after competing with the duo previously as independent companies.
“Their entire strategy is sports-focused whereas our strategy is completely entertainment-focused and, therefore, I do not think that we are really competing in that space or that segment,” he said on an earnings call last month.
“They may have a little bit more leverage on the advertising dollars that they can command given that they may have a significantly higher market share.”
MILLIONS of Apple iPhone and iPad users could be owed a £70 payout after a consumer group accused the tech giant of ripping customers off.
Which? claims the computer and electronics company is breaching competition law by forcing people to use its iCloud services.
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Millions of iPhone users could be eligible for refunds worth an average of £70Credit: Alamy
ICloud lets you securely store your photos, files, notes, passwords and other data.
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It also acts as a backup in case you lose your phone or it is stolen.
But Which? says Apple has encouraged users to sign up to iCloud while making it difficult to use other products at the same time.
The consumer group claims Apple doesn’t let customers store or back up all of their phone’s data with a third-party provider, and they have to pay when the amount of data stored breach a 5GB limit.
Which? also says Apple customers are being overcharged for iCloud subscriptions.
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It said this is partly because of the tech giant’s dominance of the market meaning it is difficult for alternative services to gain traction and offer competition.
The consumer champion is seeking damages for customers who have obtained iCloud services since October 1, 2015.
It estimates this is around 40million people, and that individual customers could be owed an average of £70.
However, you could receive more or less than this based on how long you have been using the iCloud service.
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Which? chief executive Anabel Hoult said: “We believe Apple customers are owed nearly £3 billion as a result of the tech giant forcing its iCloud services on customers and cutting off competition from rival services.
“By bringing this claim, Which? is showing big corporations like Apple that they cannot rip off UK consumers without facing repercussions.
“Taking this legal action means we can help consumers to get the redress that they are owed, deter similar behaviour in the future, and create a better, more competitive market.”
A spokesperson for Apple UK said: “Apple believes in providing our customers with choices.
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“Our users are not required to use iCloud, and many rely on a wide range of third-party alternatives for data storage.
“In addition, we work hard to make data transfer as easy as possible – whether its to iCloud or another service.
“We reject any suggestion that our iCloud practices are anticompetitive and will vigorously defend against any legal claim otherwise.”
What happens next?
Which? is urging Apple to settle the claim without the need to take the case to tribunal.
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The consumer group is asking that Apple offers iCloud customers their money back and allows customers “real choice” of cloud provider.
If this doesn’t happen, Which? will ask the Competition Appeal Tribunal’s permission for the claim to proceed – what’s known as a “certification”.
A hearing would then be set for Which? to put its case forward.
There’s no guarantee that compensation will be issued to iPhone and iPad users – only if the case is won at tribunal.
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You can register your claim and see if you could be eligible for compensation via cloudclaim.co.uk.
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We’ve won back thousands of pounds for readers including £22,000 for a man asked to pay back benefits to the DWP, £2,800 for a family who had a hellish holiday and £635 for a seller scammed on eBay.
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To get help, write to our consumer champion, Laura Purkess.
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