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to have little sympathy for this landlady facing a £20,000 tax bill

165 replies

cakeorwine · 11/05/2025 08:50

You need to listen to the story

https://www.bbc.co.uk/sounds/play/p0l91m83

https://www.bbc.co.uk/news/articles/c4gegkxxlg3o

It sounds like she had 8 holiday lets in Blackpool. If a holiday let is not let for more than 70 nights a year, then it becomes classed as a second home.

Under a second home, she is liable for Council tax.
6 of these now seem liable for backdated council tax and she faces a £20,000 backdated tax bill.

Apparently landlords have been given a year to prepare.

She is worried about the tax bill and says that if she goes to the hospital, she hopes its bad news.

She also talks about famiiles who have come regularly to the lets.

But if the properties aren't being let for more than 70 nights a year, then they aren't very popular holiday lets - and should be occupied by people who need a home.

Maybe she should rent out some of the other properties to people who need a place to live in to pay the tax bill.

As an aside, it's also interesting to read the BBC article which does not mention the details of why a let might become liable for Council Tax payments.

'My £20k tax bill for holiday lets classed as second homes' - BBC Sounds

Since new rules came into force, 9,000 properties in England have been reclassified.

https://www.bbc.co.uk/sounds/play/p0l91m83

OP posts:
Nenas · 11/05/2025 11:48

I have some sympathy for her. She isn't sitting on 8 buildings. She has one building, the size of a very large house and that building contains 8 miniature holiday lets. It doesn't look like one holiday let of that size would be a suitable permanent home for a family. So it's definitely not 8 permanent homes that she is hoarding.

I also don't think that running holiday lets is an unreasonable business for someone to have? They are very obviously not second homes so it does seem awful to charge her council tax as though they are.

Not sure why the hatred on this thread for her.

I suppose the best thing for her to do would be to sell the entire building, pay the £20k charge and move on. That would mean that these holiday apartments aren't available for people who have enjoyed using them and she no longer has income on which she presumably pays tax. Seems like everyone loses.

Lovelysummerdays · 11/05/2025 11:40

It is a ballache to change them from business to private use though. I used to have a holiday cottage next door. In an old outbuilding of a farmyard, it took about two years to get planning permission and divide the property upon divorce as we agreed to split it. Informed the council and they couldn’t charge domestic rates until sale went through which incurred massive backdated bill of double council tax.

KnickerFolder · 11/05/2025 11:38

Needtosoundoffandbreathe · 11/05/2025 11:16

This sounds worse if the places aren't capable of being lived in full time! Grim.

Possibly grim or possibly not, some are, some aren’t, @Needtosoundoffandbreathe. Obviously, there are different rules about what is suitable as holiday accommodation and residential accommodation. If you are staying for a week, you don’t need the same space as you do to live in eg bunk beds in room 6 x 6 feet are fine for 2 DC on holiday but not to live in, you only need a tiny kitchenette if you are just cooking a few meals on holiday.

Here is a photo of the actual property from her website. They aren’t too small compared to some holiday flats but they are very outdated.

Properties like that sell for about £250k for the entire building. She can’t just sell some flats as they aren’t individual properties and I doubt she can sell the building/business. No one wants to buy them. They are white elephants.

to have little sympathy for this landlady facing a £20,000 tax bill
Hamandpineapplepizza · 11/05/2025 11:36

Zero sympathy. She's running a business , it the business isn't profitable she needs to sell

As others have said, I expect she gets a lot of cash in hand type custom

cakeorwine · 11/05/2025 11:36

EdithBond · 11/05/2025 11:33

@KnickerFolder I get your point (and love your username!)

But if they’re tourist hotel or hostel rooms rather than individual flats, in a neighbourhood where council planning rules are that they should be used for tourists, then she’ll have to sell to someone else who wants to let to tourists.

Her business is failing if she can’t let for most of the year. Blackpool can attract many types of visitor throughout the year: summer holidays, winter breaks, weekends away, conferences and conventions, business visitors, a base (e.g. for walkers) to enjoy the wider region. She’s clearly not appealing to the widest market. She needs to view the competition and see what they offer and charge, work out what people need, e.g. modern facilities, good beds, good Wi-Fi.

If, like any failing business, she can’t afford to invest to make her business profitable after paying taxes, she’ll have to sell to someone who can. That’s the nature of business.

However, if residential conversion is allowed, large, self-contained studios in the centre of town can provide an affordable home to single people and couples, especially young people, so they don’t have to pay travel costs to get to work or go out. It’s nicer to have a self-contained bedsitter, with your own kitchenette and en-suite, than having to live in a house share.

Ultimately - she needs to look at her business and decide the best way to make a profit out of it.

And if she can't make a profit, then I am sure someone else could.

I am also sure that tourists could find elsewhere to stay as it seems the supply of such accommodation in Blackpool far outstrips the demand for it. Or else she would have more people staying in her accommodation.

OP posts:
EdithBond · 11/05/2025 11:33

@KnickerFolder I get your point (and love your username!)

But if they’re tourist hotel or hostel rooms rather than individual flats, in a neighbourhood where council planning rules are that they should be used for tourists, then she’ll have to sell to someone else who wants to let to tourists.

Her business is failing if she can’t let for most of the year. Blackpool can attract many types of visitor throughout the year: summer holidays, winter breaks, weekends away, conferences and conventions, business visitors, a base (e.g. for walkers) to enjoy the wider region. She’s clearly not appealing to the widest market. She needs to view the competition and see what they offer and charge, work out what people need, e.g. modern facilities, good beds, good Wi-Fi.

If, like any failing business, she can’t afford to invest to make her business profitable after paying taxes, she’ll have to sell to someone who can. That’s the nature of business.

However, if residential conversion is allowed, large, self-contained studios in the centre of town can provide an affordable home to single people and couples, especially young people, so they don’t have to pay travel costs to get to work or go out. It’s nicer to have a self-contained bedsitter, with your own kitchenette and en-suite, than having to live in a house share.

bnmshortcut · 11/05/2025 11:31

Absolutely no sympathy here.

PestoPasto · 11/05/2025 11:27

8 properties all with less than 70 nights stay per year is not a viable business model. She’s obviously not putting through the accurate amount of nights so it’s her own fault.

I’m sure selling one of the properties will clear her tax bill. I wouldn’t be embarrassing myself by sad facing to the press about this.

cakeorwine · 11/05/2025 11:26

KnickerFolder · 11/05/2025 11:12

I think everyone may be misunderstanding the type of property this is. I come from a town that has (or had) lots of these “holiday apartments”.

They aren’t flats that you could live in. It will be like an old school B&B but the rooms will have some catering facilities. It isn’t purpose built. Think of an old house with big rooms where there is a kitchenette in a corner and a bit sectioned off for the bathroom. Or a bed sit in an HMO. There will probably be an owner’s flat in the building where she lives.

They couldn’t be sold off individually as they won’t have planning permission or meet building requirements to be separate dwellings. I don’t know about Blackpool, but often seaside towns have rules about not being allowed to let holiday apartments as residential apartments to protect the tourist trade. She would probably need planning permission for change of use but may not get it as there are often “hotel zones” where the council won’t allow change of use. They don’t want to lose tourist accommodation and they don’t want them to be turned into HMOs. TBF, I can also see why a 70 year old woman wouldn’t want to turn her home into an HMO. Certainly, where I came from, many of these properties have ended up as HMOs where most of the residents are men with drug and alcohol issues.

If it isn’t making a profit and needs updating, it will be hard for her to sell it as a commercial property. It may well be unmortgageable.

At what point does a place to let for tourists become a potential second home? It's not just based on the number of nights let but should also look at the property itself.

The headline is:

There are 8 apartments available. That's 8 x 365 potential nights available for someone to sleep in.

6 of them are only occupied for less than 70 nights a year.
And how about the other 2?

That is a lot of lost nights someone who needs a place to stay could be using.

OP posts:
MellowCritic · 11/05/2025 11:24

Twiglets1 · 11/05/2025 09:35

Probably getting cash in hand from some guests which has come back to bite her on the bum.

The solution to her 20k tax bill is obvious- sell some property!

Very good point.. has this not occurred to the bbc... oh wait.. 🤦‍♀️

Rummly · 11/05/2025 11:18

Needtosoundoffandbreathe · 11/05/2025 11:09

Then you're a hypocrite and what you're suggesting the owners should have to do is communist in approach.

No, I’m not a hypocrite, any more than renters who want change are hypocrites.

The difference between me and BTL landlords is that I admit that I use property that I think should be regulated more effectively, for the wider good. But BTL landlords just want to make money by housing people with as few inconveniences to their income as possible.

Communist? 🙄

Needtosoundoffandbreathe · 11/05/2025 11:16

KnickerFolder · 11/05/2025 11:12

I think everyone may be misunderstanding the type of property this is. I come from a town that has (or had) lots of these “holiday apartments”.

They aren’t flats that you could live in. It will be like an old school B&B but the rooms will have some catering facilities. It isn’t purpose built. Think of an old house with big rooms where there is a kitchenette in a corner and a bit sectioned off for the bathroom. Or a bed sit in an HMO. There will probably be an owner’s flat in the building where she lives.

They couldn’t be sold off individually as they won’t have planning permission or meet building requirements to be separate dwellings. I don’t know about Blackpool, but often seaside towns have rules about not being allowed to let holiday apartments as residential apartments to protect the tourist trade. She would probably need planning permission for change of use but may not get it as there are often “hotel zones” where the council won’t allow change of use. They don’t want to lose tourist accommodation and they don’t want them to be turned into HMOs. TBF, I can also see why a 70 year old woman wouldn’t want to turn her home into an HMO. Certainly, where I came from, many of these properties have ended up as HMOs where most of the residents are men with drug and alcohol issues.

If it isn’t making a profit and needs updating, it will be hard for her to sell it as a commercial property. It may well be unmortgageable.

This sounds worse if the places aren't capable of being lived in full time! Grim.

Needtosoundoffandbreathe · 11/05/2025 11:15

@EdithBond I agree. In NYC, for example, streets are zoned and Airbnb is illegal in areas classified as residential. I cancelled "hotel" accommodation I'd booked there after doing research and finding out it was an illegal operation. The people running it absolutely were banking on making more money than any fines they'd receive and had a free cancellation policy.

Generally in the UK we have a very laissez fairer attitude to business, etc and as long as people pay the necessary charges there is no intervention from the authorities.

KnickerFolder · 11/05/2025 11:12

cakeorwine · 11/05/2025 10:09

TBF - they are not "second homes" as such - as the person who owns them does not go and live in them occasionally.

But they are clearly places that people could live in as a home but people can't live in them as she is renting them out as holiday lets - but not for many nights.

Unless it's "off the books"

And yes - the BBC could have challenged her on her with some questions.

I think everyone may be misunderstanding the type of property this is. I come from a town that has (or had) lots of these “holiday apartments”.

They aren’t flats that you could live in. It will be like an old school B&B but the rooms will have some catering facilities. It isn’t purpose built. Think of an old house with big rooms where there is a kitchenette in a corner and a bit sectioned off for the bathroom. Or a bed sit in an HMO. There will probably be an owner’s flat in the building where she lives.

They couldn’t be sold off individually as they won’t have planning permission or meet building requirements to be separate dwellings. I don’t know about Blackpool, but often seaside towns have rules about not being allowed to let holiday apartments as residential apartments to protect the tourist trade. She would probably need planning permission for change of use but may not get it as there are often “hotel zones” where the council won’t allow change of use. They don’t want to lose tourist accommodation and they don’t want them to be turned into HMOs. TBF, I can also see why a 70 year old woman wouldn’t want to turn her home into an HMO. Certainly, where I came from, many of these properties have ended up as HMOs where most of the residents are men with drug and alcohol issues.

If it isn’t making a profit and needs updating, it will be hard for her to sell it as a commercial property. It may well be unmortgageable.

BernardButlersBra · 11/05/2025 11:11

LivingLaVidaBabyShower · 11/05/2025 09:13

I'm sorry but she isn't facing bankruptcy she can sell them or let them to a family.

It's astounding you can be this unintelligent and have this many assets.... the benefits to being born at a specific point in time.

Totally agree. She’s not the brightest button in the box but just because she was born at a specific time then managed to amass lots of assets / money

EdithBond · 11/05/2025 11:09

YANBU

If she has a tax bill, like any business, she can liquidate assets to pay, by selling one of her numerous properties.

IMHO, owning several homes, which aren’t used as homes, while there’s a housing and homelessness crisis, is pure greed. Greed used to be bad, but it now appears to be seen as success. We need to get back to a self-rationing mentality: it’s morally right to only take what you need of a finite or limited resource, to avoid others going without.

Council tax should be payable on homes whether they’re used or not. Higher if sat empty, as it’s a wasted resource and undermines a vibrant neighbourhood where people spend money in neighbourhood businesses, e.g. in shops, eateries etc.

Holiday lets should have a separate planning use class, requiring planning permission, as it’s effectively turning residential land use into commercial. Different taxes should apply. It should be left to local decisions whether to give permission to convert to holiday lets, depending on what balance local people want between a good supply of affordable homes and encouraging tourism to boost the local economy and create jobs.

Needtosoundoffandbreathe · 11/05/2025 11:09

Rummly · 11/05/2025 11:07

I’m happy to stay in an Airbnb. But I’m not happy that Airbnbs and BTL generally have put such responsibility and money into the hands of essentially unregulated landlords. You shouldn’t be able to become a landlord without rigorous checks, large cash holdings, compulsion to sell to long term tenants at a substantial discount, extra taxes, and so on.

There are social priorities way above ‘nest eggs’ and ‘a nice little earner’.

Then you're a hypocrite and what you're suggesting the owners should have to do is communist in approach.

Fargo79 · 11/05/2025 11:08

SirRaymondClench · 11/05/2025 10:34

So much nastiness and jealousy these days.

She's paid tax on all these places she bought and you're all happy to air b n b them when you want to stay somewhere for your weekends away but begrudge someone having worked to pay for and bought them.

The income to local businesses from people renting her properties will be massive.

To be glad someone has a £20k bill for anything is disgusting.

Edited

The income to local businesses from people renting her properties will be massive

Hardly, if she's not managing to let them for even 70 nights a year.

It's not disgusting to expect the wealthy to pay their dues like everyone else has to do. These laws are in place for a reason. If you are concerned about landlords providing value to the local area, then you will surely agree that nobody should be sitting on housing stock which
A. cannot be inhabited by locals
...and...
B. distorts local property prices making it harder for locals to inhabit any local property
...and...
C. does not let the property to holidaymakers for enough nights per year to bring a significant amount of wealth into the area
...and...
D. does not pay the council tax that those properties would attract if they weren't tied up as underused "holiday lets".

Something has to give. She isn't providing value to the local area as a holiday let owner by letting for the minimum 70 nights, so she must pay the council tax that's due. And if she can't, then she needs to sell one of her EIGHT properties to meet that legal obligation. She'll be fine.

Needtosoundoffandbreathe · 11/05/2025 11:08

Viviennemary · 11/05/2025 09:10

I have a bit of sympathy because they obviously are not second homes. So basically she is owning 8 properties which are unoccupied for most of the year.

For that reason I have even less sympathy. These are homes people could be living in full time.

Rummly · 11/05/2025 11:07

I’m happy to stay in an Airbnb. But I’m not happy that Airbnbs and BTL generally have put such responsibility and money into the hands of essentially unregulated landlords. You shouldn’t be able to become a landlord without rigorous checks, large cash holdings, compulsion to sell to long term tenants at a substantial discount, extra taxes, and so on.

There are social priorities way above ‘nest eggs’ and ‘a nice little earner’.

SerendipityJane · 11/05/2025 11:04

RedToothBrush · 11/05/2025 10:54

Fab. So I shouldnt pay tax on anything because I don't like the rules.

Great! Let's all do that.

Anyone who is critical is just jealous because they havent decided to do the same.

(Facepalm)

At least try and have a coherent argument please.

I DODGED TAX BECAUSE THE DAILY MAIL AGREED WITH ME

is never going to be the accurate headline for this story though. Although it is admirably clickbaity.

TEN WAYS TO DODGE YOUR TAX - YOU WON'T BELIEVE #7

is something ChatGPT proposed after being trained on Daily MailaGraph content for a few seconds.

JamieCannister · 11/05/2025 11:02

SirRaymondClench · 11/05/2025 10:34

So much nastiness and jealousy these days.

She's paid tax on all these places she bought and you're all happy to air b n b them when you want to stay somewhere for your weekends away but begrudge someone having worked to pay for and bought them.

The income to local businesses from people renting her properties will be massive.

To be glad someone has a £20k bill for anything is disgusting.

Edited

Surely businesses would benefit much more from 365 day occupation, than 70 day?

GETTINGLIKEMYMOTHER · 11/05/2025 11:02

SirRaymondClench · 11/05/2025 10:34

So much nastiness and jealousy these days.

She's paid tax on all these places she bought and you're all happy to air b n b them when you want to stay somewhere for your weekends away but begrudge someone having worked to pay for and bought them.

The income to local businesses from people renting her properties will be massive.

To be glad someone has a £20k bill for anything is disgusting.

Edited

WTF?
I am a LL of one long term let and I have zero sympathy for any LL who fails to pay due tax or ignores the rules. I’m afraid to say there are probably far too many of both. Zero sympathy for any of them who get caught.

PrimitivePerson · 11/05/2025 11:01

RafaistheKingofClay · 11/05/2025 10:21

Exactly. Up until earlier this year I lived in a flat owned by a couple who rent flats out as holiday lets in a seaside resort. They are full between April and end of September and they are cheap shitholes. Any that don’t get filled can be let out year round to locals or the council can let them to house people on the housing list.

Leaving them to stand empty is a choice or they aren’t empty.

I like the fact that the BBC has pointed out that there are lots of landlords in this situation in Blackpool but fails to point out this might just be because there are loads of landlords taking the piss.

Without wishing to sound too snobby - and I'm sure you'll know what I mean here - Blackpool isn't exactly the classiest resort in the world, and I suspect cash-in-hand, off the books transactions probably make up about 80% of this woman's business. People renting them get it cheap and ask no questions, she keeps everything hidden from the taxman and pretends they're only occupied a bare minimum of nights.

Then they get all sadface when it bites them on the arse.

RedToothBrush · 11/05/2025 10:54

SirRaymondClench · 11/05/2025 10:34

So much nastiness and jealousy these days.

She's paid tax on all these places she bought and you're all happy to air b n b them when you want to stay somewhere for your weekends away but begrudge someone having worked to pay for and bought them.

The income to local businesses from people renting her properties will be massive.

To be glad someone has a £20k bill for anything is disgusting.

Edited

Fab. So I shouldnt pay tax on anything because I don't like the rules.

Great! Let's all do that.

Anyone who is critical is just jealous because they havent decided to do the same.

(Facepalm)

At least try and have a coherent argument please.