Hello I've moved into a house for three months or longer as a casual arrangement with the house owner. He wants me to pay the council tax to him but keep the council tax in his wife's name. I am worried this could affect my credit rating and actually be illegal. Any advice?
I used to work in Council Tax. The person who lives in a property has the bill in their names. This would raise a number of flags: Are they claiming benefits as 2 households when they live as one? Do they have permission to lease the property?
If you pay them the money and they don't pay the Council you will pay twice. The council don't care that you had a private arrangement, you are liable as the occupant of the premises and they want their money.
Just to update everyone. Turns out he was overcharging us. He apologized and claimed he'd made a mistake. Now we've found a new place and have passed the credit checks and affordability checks. It's even less rent! We move in next week. Thanks for the support.