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Why do you pay double tax, how legitimate is it? You have the right to refuse or contact the IRS and they will stop it.
If I were you, I would contact https://www.councilratings.co.uk/ to clarify these points, but if you are comfortable with this, she will continue to collect the tax for the sake of her mortgage. You don't have to let anyone know. She is essentially giving you a temporary fix and claiming that council tax is covered because she already pays it for the property. It would not be possible for you to claim housing assistance. Bills are undoubtedly included in the one-time cost as well.
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