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Share your dilemmas and get honest opinions from other Mumsnetters.

Cut benefits before increasing council tax

460 replies

Bonde · 15/11/2025 15:19

https://www.lbc.co.uk/article/reeves-council-tax-hike-5HjdMrJ_2/

As an increase in income tax is now out the window, the government will have to look at other ways to fill the gap by increasing a dozen smaller taxes. One option, I think they will opt for, is to apply a surcharge for homes in bands F,G&H. It would be politically expedient to do so because many people will assume those in such homes are wealthy.

We purchased our band f property earlier this year at £550k. We live in London and didn’t want to uproot our family, and move jobs, so decided to buy our 2.5 bed house.
After mortgage and bills, we have £100 to £200 left over, but some months have nothing. An increase would be so difficult to manage.

Why can’t the government have the courage to cut benefits. You can buy a BMW or Mercedes on the Mobility Scheme! Why?

Reeves set to hit thousands of homes with new levy after massive U-turn on income tax | LBC

The Chancellor is preparing to hit homes in the highest council tax bands with a new surcharge

https://www.lbc.co.uk/article/reeves-council-tax-hike-5HjdMrJ_2/

OP posts:
Thread gallery
8
AnneShirleyBlythe · 15/11/2025 17:16

AlastheDaffodils · 15/11/2025 15:28

The problem with council tax is the bands bear little relation to today’s values. OP lives in a fairly normal house and is band F. There are £700k houses that are band G paying £4k a year. Meanwhile most of the houses on our London suburban road in a low tax borough are worth about £2m but are band E, £1200 council tax a year.

So if they double the rates for bands G and H, you’ll get £700k houses paying £8k p.a. tax and £2m houses paying £1200 pa. Grossly unfair.

But not the fault of those on PIP, I’m sure you’ll agree?

SuffolkSun · 15/11/2025 17:16

elviswhorley · 15/11/2025 16:43

I have. in fact I still do and as such I don't get on well in jobs, and I've tried and tried but they have on numerous occasions threatened to ruin or end my life due to it.

I had no choice but to persevere. Now I am freelance and it's much better, but I still need benefits to top up my income.

I could probably be on PIP but I'm not, I'm on UC.

Well, to echo you: I don't think you need UC as you're perfectly capable of working. You just need to work more....

See how difficult it gets when you start highlighting specific groups as the "reason" the Welfare Budget is "too high".

State pensions account for half the Welfare budget. Removing the triple lock would reduce Welfare spending by £5bn-£10bn over the next five years. Seems like a good enough place to start as any, no.

EilonwyWithRedGoldHair · 15/11/2025 17:22

Helpingout2000 · 15/11/2025 16:53

How many workers have experienced traumatic personal lives, attempted suicides but carry on in automatic pilot. Why, because they know they would lose their house and everything.

MH is experienced by everyone to some degree but to succumb to it is only an option for the wealthy or those able to rely on benefits. I speak from experience as I have witnessed harrowing examples. I find this so upsetting.

You know people go from well with jobs, houses, families etc. to very unwell and in some cases lose everything, right?

Severe mental illness doesn't care about your bills, about your life.

ThatGladTiger · 15/11/2025 17:23

Climbingrosexx · 15/11/2025 17:01

Is the person with epilepsy the driver or is the car for their carer to drive them around?
If the epilepsy is controlled enough they can drive then they shouldn't be claiming anything surely? I have epilepsy which has been controlled for many years but even in the years it wasn't and I couldn't drive I still didn't claim anything I just got on with life. Never even occurred to me I might be disabled in any way.

Yes disability benefits for epilepsy. Has used them to get a lease car through mobility. Their epilepsy is controlled but still can get benefits. Make it make sense!

AnneShirleyBlythe · 15/11/2025 17:24

If the Motability scheme ended tomorrow my DH would still be wheelchair dependent & still be claiming PIP! No money would be saved but it would be more difficult for disabled people to access suitable vehicles. Often these vehicles are what allows the claimant to work & pay taxes. But no, better to stop the scheme so disabled people know their place, which is not in a nice vehicle 🙄

Joeninety · 15/11/2025 17:24

Mmm, a free Mercedes or similar, absolutely no bills of any sort, and about £2000 a month of what they used to call 'pin money' to spend ? And all you have to do is give up working ? I'd like to enrol.

ThatGladTiger · 15/11/2025 17:24

Swiftasthewind · 15/11/2025 16:50

People lying to get benefits and steal ‘your’ tax money is a right wing myth made up to get you to hate the disadvantaged of society. The fact is, we do not pay nearly enough into the system for those with disabilities to live a comfortable and dignified life and you are privileged to be in a position where you can earn money to pay for your lifestyle. The least you can do is offer some of that up to the less fortunate you miser.

I am no miser.

Why is someone who has metal illness more worthy of a brand new car on lease though the mobility scheme then any other person?

elviswhorley · 15/11/2025 17:25

SuffolkSun · 15/11/2025 17:16

Well, to echo you: I don't think you need UC as you're perfectly capable of working. You just need to work more....

See how difficult it gets when you start highlighting specific groups as the "reason" the Welfare Budget is "too high".

State pensions account for half the Welfare budget. Removing the triple lock would reduce Welfare spending by £5bn-£10bn over the next five years. Seems like a good enough place to start as any, no.

Maybe yeah. I know little about pensions. I'm not saying they're the reason for the welfare budget being high. I don't think it's high. There's always loads unclaimed too.

That wasn't the point I made.

elviswhorley · 15/11/2025 17:27

youalright · 15/11/2025 17:12

You would be highly unlikely to get pip for social anxiety especially a mild form which you can just work through. You may not realise it but what you are describing is very mild anxiety. Anxiety disorder covers agoraphobia, panic disorder, ocd, ptsd, selective mutism. There is no pip criteria for going red from talking to someone

You've just named multiple medication conditions that are not an anxiety disorder. Of course those things are debilitating.

Swiftasthewind · 15/11/2025 17:28

ThatGladTiger · 15/11/2025 17:24

I am no miser.

Why is someone who has metal illness more worthy of a brand new car on lease though the mobility scheme then any other person?

Because of the horrible circumstances of which they were born into this world. Having empathy is recognising this and doing everything in your power to help those less fortunate than you, and that includes sacrificing a portion of the money that your able body earned you.

elviswhorley · 15/11/2025 17:28

cityanalyst678 · 15/11/2025 17:10

Absolutely not always the case. Sometimes the unexpected happens. You have to dig deep and keep going. And my job used to be fantastic, but since Covid it has become almost impossible. And if one of your previous pensions collapsed and then one gets made redundant, plans can go out the window. But no one has ever funded our lifestyle, apart from us. Even in tough times.

Excellent. That must fill you with the type of pride money cannot buy. I wouldn't know but that's cool. We all find joy in different ways.

youalright · 15/11/2025 17:28

elviswhorley · 15/11/2025 17:27

You've just named multiple medication conditions that are not an anxiety disorder. Of course those things are debilitating.

They absolutely are types of anxiety disorders. Anxiety disorder is an umbrella term for lots of mental health conditions

Kirbert2 · 15/11/2025 17:31

ThatGladTiger · 15/11/2025 17:24

I am no miser.

Why is someone who has metal illness more worthy of a brand new car on lease though the mobility scheme then any other person?

Because they've been assessed as having a higher mobility need. They have then opted to use the mobility part of their PIP to get a car on lease. If they didn't opt to have a car on lease, that money would go in their bank instead.

Preventing someone from leasing a car via the motability scheme wouldn't save any money.

ThatGladTiger · 15/11/2025 17:32

Swiftasthewind · 15/11/2025 17:28

Because of the horrible circumstances of which they were born into this world. Having empathy is recognising this and doing everything in your power to help those less fortunate than you, and that includes sacrificing a portion of the money that your able body earned you.

I have no empathy for the people that are LYING about mental health issues and claiming benefits including cars. You are not suggesting this doesn’t happen are you?

youalright · 15/11/2025 17:34

ThatGladTiger · 15/11/2025 17:32

I have no empathy for the people that are LYING about mental health issues and claiming benefits including cars. You are not suggesting this doesn’t happen are you?

Have you actually read the pip criteria for high rate motability?

ThatGladTiger · 15/11/2025 17:34

Kirbert2 · 15/11/2025 17:31

Because they've been assessed as having a higher mobility need. They have then opted to use the mobility part of their PIP to get a car on lease. If they didn't opt to have a car on lease, that money would go in their bank instead.

Preventing someone from leasing a car via the motability scheme wouldn't save any money.

Yes but what I don’t understand is why someone with a mental health issue has a higher mobility need than say someone who doesn’t, but is on minimum wage and can’t afford a new car? How many posts have we seen about people struggling with the costs of car repairs?

SuffolkSun · 15/11/2025 17:36

ThatGladTiger · 15/11/2025 17:32

I have no empathy for the people that are LYING about mental health issues and claiming benefits including cars. You are not suggesting this doesn’t happen are you?

You're saying it does happen - so you're going to have to provide the link to the data you read, that led you to know that it happens and at a level that is a significant issue.

ThatGladTiger · 15/11/2025 17:36

youalright · 15/11/2025 17:34

Have you actually read the pip criteria for high rate motability?

We all know that it is taken advantage off. There are many ways round this criteria. The same way many people are claiming all sorts of benefits.

No one has any issue with those in real need. But it’s so easy to abuse the system and so many are.

elviswhorley · 15/11/2025 17:37

youalright · 15/11/2025 17:28

They absolutely are types of anxiety disorders. Anxiety disorder is an umbrella term for lots of mental health conditions

Edited

You can claim it for generalised anxiety. You can say it causes you distress to make food, go out, budget, and get 6-8 points. If you score 8 points you get PIP.

If you say the right things in the assessment, and you aren't truthful about the impact your anxiety has and you embellish it, and you score 8 points, you can get PIP when you do not deserve it.

ThatGladTiger · 15/11/2025 17:38

SuffolkSun · 15/11/2025 17:36

You're saying it does happen - so you're going to have to provide the link to the data you read, that led you to know that it happens and at a level that is a significant issue.

oh please give over. It’s happening, people cheat and abuse the system. Thats why people get angry and everyone is having these debates.

Helpingout2000 · 15/11/2025 17:39

youalright · 15/11/2025 17:34

Have you actually read the pip criteria for high rate motability?

But she said those who are LYING?

Climbingrosexx · 15/11/2025 17:39

ThatGladTiger · 15/11/2025 17:23

Yes disability benefits for epilepsy. Has used them to get a lease car through mobility. Their epilepsy is controlled but still can get benefits. Make it make sense!

So for the past 30 years I could have been claiming benefits? Who knew?

Sorry I can't make it make sense, the way I see it if epilepsy is controlled (speaking from first hand experience) where is the disability?

ninjahamster · 15/11/2025 17:40

cityanalyst678 · 15/11/2025 16:57

So what you are saying is that working people should work harder and harder to fund the enormous number of people claiming benefits?
You may well be genuine, but at what point do you want working people to be broken?
Does your husband work long hours?

He does, about 50 a week minimum and he’s mid 60s.
Im not saying working people should work harder to fund benefits, I think we need to concentrate on the extremely wealthy.

StrokeCity · 15/11/2025 17:40

ThatGladTiger · 15/11/2025 16:47

mumsnet….

The only place where every single person who is claiming benefits is deserving of them.

No one has an issue with genuine people in need of benefits. But I know of at least two people who have a brand new car on lease through the mobility scheme one has metal health issues and one has epilepsy. How is that right? Why is it for brand new cars too? This scheme is being abused.

Why is it for brand new cars too? This scheme is being abused.

It is for brand new cars because the Motability Scheme is run by a charity and using brand new cars saves money. Less repairs, servicing, and the charity sells them after roughly 3 years of use. Any disabled people I know who use the scheme would actually prefer an older car as it draws less attention, but that's not an option

Also, the scheme cannot be abused ffs. If you are entitled to the higher rate of the mobility part of PIP, then you are entitled to use that money for the scheme. If you're not, then you can't. There's no grey area to be abused

Again, to make this clear, the Motability Acheme is run by a CHARITY, not the government

ArseInTheCoOpWindow · 15/11/2025 17:41

elviswhorley · 15/11/2025 17:27

You've just named multiple medication conditions that are not an anxiety disorder. Of course those things are debilitating.

My dd got it for social anxiety.,,,. Depends on severity.

Wont get on public transport, too scared to speak to pay fare, or something going wrong with payment.

Won’t speak to shop assistants. Or doctors or dentists.