Home

   Log in or Register



Insurance Quotes
forums Campsite Search Comp Directory tips virtual brochure Profile
Tent and Awning Reviews Competitions Caravans and Motorhomes For Sale Shopping Diary Advent Calendar

Advertisement

Message Forums

Welcome Guest Register Login Search The Forum Posts Since Last Visit
 Reception - All Forums
  Life in General
Share   Post on X / Twitter  Share on Facebook  Email  Printer Friendly Version Print
Subject Topic: Can anyone help? Post Reply Post New Topic
06/1/2024 at 4:05pm
 Location: 
 Outfit: None Entered
View Shack-Dweller's Profile View Profile   Reply to Shack-Dweller Reply   Quote Shack-Dweller Quote  
Joined: 06/1/2024

Standard Member
Standard Member

Forum Posts:   0

Site Reviews Total: 0
Site Reviews 2024: 0  
Site Reviews 2023: 0  
Site Reviews 2022: 0  
Site Reviews 2021: 0  
Site Reviews 2020: 0  
Site Reviews 2019: 0  
Site Reviews 2018: 0  
Site Nights 2024: 0
Site Nights 2023: 0
Site Nights 2022: 0
Site Nights 2021: 0
Site Nights 2020: 0
Site Nights 2019: 0
Site Nights 2018: 0

Hi there, I am thinking about leaving my rental to live in my chalet for the season it is open to save money for a house deposit for my family. Does anyone know what I would need to have in place for my credit not to be affected? I was thinking of registering my address at friends or family, for car insurance, post and being on the electoral roll. Would I need to be on the council tax and the utility bills? Could I use the same doctors and dentist even if my address is elsewhere? Any help would be great, sorry if I have posted in the wrong thread.

Thank you in advance.


06/1/2024 at 5:41pm
 Location: London
 Outfit: Lunar Cosmos 524
View Monty15's Profile View Profile   Reply to Monty15 Reply   Quote Monty15 Quote  
Joined: 17/9/2015

Diamond Member
Diamond Member

Forum Posts:   2335

Site Reviews Total: 1
Site Reviews 2024: 0  
Site Reviews 2023: 0  
Site Reviews 2022: 0  
Site Reviews 2021: 0  
Site Reviews 2020: 0  
Site Reviews 2019: 1  
Site Reviews 2018: 0  
Site Nights 2024: 0
Site Nights 2023: 0
Site Nights 2022: 0
Site Nights 2021: 0
Site Nights 2020: 0
Site Nights 2019: 6
Site Nights 2018: 0

Welcome.

Not sure about the pros and cons of living in a chalet specifically, if indeed that is permitted, many holiday type properties forbid permanent residency and they must be vacated for a set period within any 12 months. Any number of organisations can dictate that rule and period, from land owners to licensing councils.

My comment is about the difficulties of registered address and documentation posted to that address as proof of identity. A couple of times over the years when living with partners that have all the official documents (like council tax) and utility bills in their name, I've found it close to impossible to produce sufficient documentation with 'proof' of my residential address as all the acceptable documents were not addressed to me! Some organisations (Banks etc.) and Government Departments have very narrow choices when it comes to acceptable documentation, as often it needs to be less than 3 or 6 months old, and annual statements often fall outside that time frame (that was mostly my biggest problem)! Some documents like monthly mobile phone statements are not deemed acceptable!

Then there is time of residency at an address, again it sometimes needs to be of sufficient length to be deemed acceptable. Not everything is judged on what you submit directly either, reference can be made to credit agencies, and if addresses and timings don't tally, it can cause problems. It can be a real headache not to have a regular 'permanent' address that is 'conventional'!

People do live like you are enquiring about, so it must be possible, but not necessarily straightforwards.


06/1/2024 at 5:57pm
 Location: 
 Outfit: 
View Mick S.'s Profile View Profile   Reply to Mick S. Reply   Quote Mick S. Quote  
Joined: 18/8/2004

Diamond Member
Diamond Member

Forum Posts:   3499

Site Reviews Total: 37
Site Reviews 2024: 0  
Site Reviews 2023: 1  
Site Reviews 2022: 1  
Site Reviews 2021: 4  
Site Reviews 2020: 4  
Site Reviews 2019: 0  
Site Reviews 2018: 0  
Site Nights 2024: 0
Site Nights 2023: 3
Site Nights 2022: 6
Site Nights 2021: 16
Site Nights 2020: 17
Site Nights 2019: 0
Site Nights 2018: 0

What about coming at this from another angle. You say you have a 'chalet'; these can be pretty much worthless shacks, to very desirable properties. Where does yours sit? Is it worth selling it to raise a deposit for a home, maybe? Where are you hoping to buy - once you had the funds? Anywhere further north than say, Leicestershire, will be cheaper than south of there. The further up you go, the less you will pay.


via mobile 06/1/2024 at 6:15pm
 Location: West Yorkshire
 Outfit: None Entered
View BearPear's Profile View Profile   Reply to BearPear Reply   Quote BearPear Quote  
Joined: 06/7/2006

Standard Member
Standard Member

Forum Posts:   58

Site Reviews Total: 8
Site Reviews 2024: 7  
Site Reviews 2023: 0  
Site Reviews 2022: 0  
Site Reviews 2021: 0  
Site Reviews 2020: 0  
Site Reviews 2019: 0  
Site Reviews 2018: 0  
Site Nights 2024: 11
Site Nights 2023: 0
Site Nights 2022: 0
Site Nights 2021: 0
Site Nights 2020: 0
Site Nights 2019: 0
Site Nights 2018: 0

The site where the chalet is would be classed as a business and if it’s only seasonal then you can’t usually register for council tax. Having said that, you are liable for council tax at the property which is classed as your “sole or main residence”, however some of these chalet/park home sites are set up differently with regard to their business rates and residential council tax. It’s probably worth a conversation with the site management to see who is liable for what - same with utilities (I guess these are included in site fees?).


via mobile 06/1/2024 at 6:34pm
 Location: Ayrshire
 Outfit: Auto-Sleeper MHs
View Fiona W's Profile View Profile   Reply to Fiona W Reply   Quote Fiona W Quote  
Joined: 10/4/2007

Diamond Member
Diamond Member

Forum Posts:   5148
Tent Reviews:   1

Site Reviews Total: 234
Site Reviews 2024: 18 
Site Reviews 2023: 8  
Site Reviews 2022: 12 
Site Reviews 2021: 10 
Site Reviews 2020: 4  
Site Reviews 2019: 9  
Site Reviews 2018: 18 
Site Nights 2024: 37
Site Nights 2023: 25
Site Nights 2022: 32
Site Nights 2021: 25
Site Nights 2020: 20
Site Nights 2019: 28
Site Nights 2018: 30

The matter of not living permanently in a house is covered regularly on here, if you try searching. Seems to be do-able.
The static section also has useful advice about the differences between holiday sites & residential sites re site licenses / full time living etc. (I know you’re not in a static, but a cabin or lodge or chalet is just made of different material.)
Good luck with saving the deposit.

-------------
2024 = 20 sites / 41 nights. 2023 = 9/23. 2022 = 13/35. 2021 = 11/29. 2020 = 4/20. 2019 = 13/35. 2018 = 20/33. 2017 = 10/22. 2016 = 19/33. 2015 = 15 sites / 27 nights. Didn't count 1976 to 2014.


Advertisement



07/1/2024 at 10:06am
 Location: East Herts
 Outfit: 1992 Elddis Wisp 450CT + X Trail
View Colin21's Profile View Profile   Reply to Colin21 Reply   Quote Colin21 Quote  
Joined: 05/11/2013

Diamond Member
Diamond Member

Forum Posts:   6281

Site Reviews Total: 18
Site Reviews 2024: 1  
Site Reviews 2023: 1  
Site Reviews 2022: 2  
Site Reviews 2021: 2  
Site Reviews 2020: 0  
Site Reviews 2019: 2  
Site Reviews 2018: 3  
Site Nights 2024: 7
Site Nights 2023: 8
Site Nights 2022: 12
Site Nights 2021: 18
Site Nights 2020: 0
Site Nights 2019: 21
Site Nights 2018: 18

I think one thing that would need very careful investigation would be whether living in such circumstances would impact your credit rating, as I certainly think it could. I know that just having moved home recently has an impact, regardless of what type of home you have moved to. That is of course on top of the fact that in these circumstance your new "home" may be regarded as somewhat irregular.

As others have said, this is a topic that has come up many times before on here, but I think that most who have asked this have tended to be those intending to do it on a permanent basis rather than as a stepping-stone towards getting a mortgage. That could make a big difference. I think you should speak to a few mortgage lenders to see how they would view such an arrangement.


-------------
Best Regards,
Colin


08/1/2024 at 9:20am
 Location: Worcestershire
 Outfit: Buccaneer Cruiser
View iank01's Profile View Profile   Reply to iank01 Reply   Quote iank01 Quote  
Joined: 30/6/2004

Diamond Member
Diamond Member

Forum Posts:   4062

Site Reviews Total: 5
Site Reviews 2024: 1  
Site Reviews 2023: 0  
Site Reviews 2022: 0  
Site Reviews 2021: 1  
Site Reviews 2020: 0  
Site Reviews 2019: 0  
Site Reviews 2018: 0  
Site Nights 2024: 5
Site Nights 2023: 0
Site Nights 2022: 0
Site Nights 2021: 10
Site Nights 2020: 0
Site Nights 2019: 0
Site Nights 2018: 0

We lived permanently in our caravan for 2 1/2 years and it had zero impact on our credit rating which actually improved as we were able to pay off bills quickly. We used my father's address which was in the same town.

The site closed for the the winter months from Dec until March so we moved to a site that was open all year. The result was we were not obliged to pay council tax. However with the chalet if you are living in it for the 12 months then you are obliged to pay council tax.



In order to post a reply you will need to register, or if already registered please log in here

Prev       Next
Quick Links - All Forums - Life in General - Top of Page

Printer Friendly Version Printable version      Share   Post on X / Twitter  Share on Facebook  Email


Latest News, Discounts and Competitions  see all...














4350 Visitors online !

Free UKCampsite.co.uk Window Sticker  -  Recommend to Friend  -  Add a Missing Campsite

[Message Forums]  [Caravan Sites & Camping]  [Company Listings]  [Features / Advice]  [Virtual Brochure]  [Shop!]
[Reception]  [Competitions]  [Caravans & Motorhomes For Sale]  [Event Diary]  [Contact Us]  [Tent Reviews



Please note we are not responsible for the content of external sites & any reviews represent the author's personal view only. Please report any error here. You may view our privacy and cookie policy and terms and conditions here. All copyrights & other intellectual property rights in the design and content of this web site are reserved to the UKCampsite.co.uk © 1999 - 2024


Advertisement


Advertisement


UKCampsite.co.uk
2024 Advent Calendar


Advent Calendar

24 Daily Prizes PLUS a Christmas Day Star Prize worth £999

Request a Reminder