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Let’s end the Council Tax Trap

Up to two million people with mental health problems in the UK have fallen into a Council Tax Trap – missing one payment that triggers increasingly aggressive demands from councils to pay rapidly escalating amounts of money.

The aggressive way that councils rapidly escalate collection and charges is trapping millions of people with mental health problems in debt and despair – that needs to change.

Sign the petition.

Person opening a letter

“It’s an appalling system, I can’t manage it. As soon as I start hearing threats, I become incapable. But even when I’m well enough to contact them and ask for a payment plan to help me keep on top of my finances, they bin me off.”

– Sharon, Expert by experience

LatestBest practiceEventsNewsBlogsPublicationsPress Releases
Press Releases

Government must end brutal council tax collection process before allowing councils to hike up bills

November 20, 2025

Policy positions

Money and Mental Health’s submission to the Enforcement Conduct Board’s consultation on Standards for Enforcement Work – vulnerability and ability to pay

Money and Mental Health welcome the ECB’s aim to raise the standards on how the enforcement industry approaches vulnerability and ability to pay. However, further steps are needed to make the most of this opportunity to better protect people with mental health problems from the harms caused by enforcement action.

November 10, 2025
Health system

Field trip! How Neighbourhood Mental Health Centres can help break the link between financial difficulty and mental health problems

Francesca Smith, Senior Research Officer, Money and Mental Health

September 24, 2025
Publications

Who’s in?

Financial inclusion that delivers for people with mental health problems.

September 11, 2025
In the news

BBC 5 Live

Helen Undy talks to BBC 5 Live about energy and Council Tax debt

September 10, 2025
Best practice

Debt collection: A best practice guide for telecoms suppliers

How telecoms suppliers can support their customers with money and mental health problems.

April 02, 2025

Latest publications

First line of defence

How banks can use transaction data to support customers at risk of experiencing gambling harm.

If I needed someone

Improving access to third party financial tools for people with mental health problems.

Who’s in?

Financial inclusion that delivers for people with mental health problems.

Fairer finances

Improving financial services for people with mental health problems from minoritised ethnic groups.

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