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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
Report cover of Who's in? Financial inclusion that delivers for people with mental health problemsPublications

Who’s in?

Financial inclusion that delivers for people with mental health problems.

September 11, 2025
Policy positions

Money and Mental Health respond to the Ministry for Housing, Communities and Local Government’s consultation on Modernising and improving the administration of council tax

We warmly welcome the government’s proposals to extend the timeline of council tax debt collection, place a cap on liability orders, and mitigate the harm that the collections process can cause for people with mental health problems.

September 10, 2025
Blogs

Benefits overpayments and in debt to the DWP – Sarah’s experience

Sarah, expert by experience

August 04, 2025
Debt

Money and Mental Health response to FCA Buy Now Pay Later proposals

July 18, 2025

Benefits

The Mirror

The Mirror talks to Research Community member Tania about her experience with the DWP

July 17, 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

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.

Nothing personal

Exploring the psychological harm of national government debt collection.

Lead shoes instead of a life ring

How people with mental health problems will be affected by proposed changes to PIP eligibility.

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