DCC Rent and means adjustment up 85% + tax GDPR query.

phoenixenter1

Hi folks,

I have the pleasure of graduating 5 years ago and I also live with my mother in a DCC rented house, my family home.

So I have worked well for the past 5 years and consistently saving to get onto the property ladder but unfortunately unless I enjoy Sligo/Roscommon, Leinster is way away.

So issue is my rent is means tested and I always submit documents when requested from DCC but my rent has had an increase of 85%, so myself and my 75 year old mother were paying 100 per week and it is now 185 per week which I know is lucky but this home is well dilapidated and in need of refurb.

My main issue is DCC seem to have full access to my tax records and made it clear that they had them on hand even though the requested them from myself.

I believe this is not kosher and am curious how they have access and are they allowed GDPR.

I can understand they have LPT access or Motor Tax access, but I am not a home owner and technically a sub tenant to my mother.

Any advice or input appreciated.

doc22

https://www.boards.ie/discussion/2058301433/dcc-rent-and-means-adjustment-up-85-tax-gdpr-query

Like SUSI grants agencies will have access to household earnings like revenue and social welfare, and as you are living in the house the council would have a business case to check and cross reference any earning records for you. The Household must have an net income over 1,200 per week to arrive at 185 euro.

phoenixenter1

https://www.boards.ie/discussion/comment/120732418#Comment_120732418

Net @ 600 for me, I do receive stock options that take 4 years to mature ~4000 per annum + pension deductions from gross.

doc22

https://www.boards.ie/discussion/comment/120732428#Comment_120732428

Well if options were at current price they'd have zero value. I imagine many people in your situation move out(wink) and/or put themselves down on the housing list (sub 40k net)-if going to be paying rent it may as well be your own place. But rent wise it is what it is...

doc22

From DCC web page "You pay a differential rent, which means that the rent charge changes in line with household income. Under the current scheme, rent is charged at 15% of the highest earners income net of specified deductions and 15% of sub-earners income net of deductions to a maximum rent charge for each sub-earner of €21" The 185 euro a week rent doesn't sense unless you are putting substantial money into pension

phoenixenter1

https://www.boards.ie/discussion/comment/120732528#Comment_120732528

Appreciated, and I found the link, quite a lot of assumptions on gross vs net.....but the reality I enjoy work but it would be quite livable on the dole, the point is to get out off the DCC support and seems like a infinite loop.

Claw Hammer

Sligo and Roscommon are not in Leinster, they are in Connaught. Can you not avail of the tenant purchase scheme?

Mrs OBumble

https://www.boards.ie/discussion/comment/120734887#Comment_120734887

Tenant purchase isn't an option if the tenant (ie the mother) isn't working.

TBH rental of a 2brm (at least) for less than 800 pcm is a pretty good deal.

OP, do you qualify to be on the housing list in you own right?

Claw Hammer

https://www.boards.ie/discussion/comment/120735558#Comment_120735558

Why does the mother have to be working?

Mrs OBumble

https://www.boards.ie/discussion/comment/120738263#Comment_120738263

I understood that it was a condition of the scheme. Just Googled it again now, and it's looks like its been replaced by an annual minimum annual reckonable income which now may include pension. But unless the mother has a substantial deposit saved, I'd be sceptical that she can afford a mortgage.

Claw Hammer

https://www.boards.ie/discussion/comment/120738975#Comment_120738975

The o/p could borrow money to give the mother or guarantee the mortgage.