New child maintenance rules

As I understand this, if you cannot reach an agreement between yourself and your ex, then the PWC must pay £20 to access the CSA service. (rubbing salt into the wound??)

If the NRP agrees to pay PWC direct then there are no further charges. Will the CSA then keep monitoring this case or will the PWC then have to keep paying £20 every time it is reviewed?

If the NRP disagrees and will not pay direct then they pay an additional 20% on top of monthly figure and the PWC looses 4% of the figure. (more salt....)

I can see why they are trying to get families to arrange this themselves and that''s how it should be, with the NRP actually wanting to support their child. But as many know that is not always possible and the NRP will do anything to get out of paying.

Before I am shot down in flames, I am by no means saying this applies to all NRP!

The one disadvantage of a family based arrangement is that lenders ie; mortgage lenders will not take these figures into account when calculating income.

The only reason I was able to get my recent mortgage was because of the extra income due to my child maintenance payments which are through the CSA. I was told had they not been through the CSA they would have not used them


Just a thought for others who may be in a similar position?

From the other side...
My ex wasnt happy with what was agreed in court and thought she could bend me over for more so threatened CSA. (I have never missed a payment, but had dropped my payment to 20% as my son had finished school + SM.. all through direct debit).

She was demanding more money so I refused. Next I know, I get a letter from CMO demanding to see payslips and P40s etc. She also stated she wanted to go through them- which would have cost me another 20% (I think) for using their services (Definitely salt in wound) .

All in all a big waste of their time as they dismissed her case and told her she was lucky I was still paying her the same amount since my income had dropped.

Perin- arent you already divorced? The amount should be stated in your consent? My ex didnt go through CSA and we had a family based agreement when she secured her mortgage. SHe had to show 3 months worth of payments from me

Good luck with it all

I already get paid through the CSA, in the last year he has never paid voluntary on time and each couple of months he is chased up, pays to date then waits another 2 months to pay again. I saw him in court a few weeks ago and he begged me to accpet direct pay so he wouldnt be charged the 20%....you can guess what I said, I would rather lose 4% of something than have all of nothing.

I then phoned up the CSA and asked them to put on record that I had refused his offer due to the non-payment over the last year, they agreed.

Somuch, yes I am divorced but Consent Order still not sealed through court, am still waiting.

No mention of child maintenance on it anyway, we never went to court to sort finances.

I chased ex through csa for two years as ex went self employed. He pays now but their assessment was based on a single payslip given to them in 2012. I asked how they could do that and was told ex tells them verbally over phone what he earns and as he pays himself then I don''t stand a chance anyway!

And breathe..............

perin123 wrote:

The one disadvantage of a family based arrangement is that lenders ie; mortgage lenders will not take these figures into account when calculating income.

The only reason I was able to get my recent mortgage was because of the extra income due to my child maintenance payments which are through the CSA. I was told had they not been through the CSA they would have not used them

I don''t think many lenders will consider CM even if it is through CSA/CMS as it is not guaranteed. Your ex could change jobs, get made redundant or simply choose to give up work and the payments would go down or be stopped.

WYSPECIAL you''re right that not all will accept csa maintenance payments as income, I was really lucky to find a lender who did!

I was already covering the mortgage payments but lenders don''t look at that, only what your income is, so the csa payments were the added boost I needed to get the mortgage in my name.

Still can''t believe it that the house is mine (well when the mortgage is paid!)

It think that for many parents who don''t get regular payments they have to chose whatever they have to pay us the additional collection fees and sat for example 2 kids 20 percent of sfa and 4percent charge very often child support does not benefit a child if it does not lift a child out of poverty I can understand a parent being reluctant to pay given whatever they do pay is spent on gin and fags