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Ex and money

42 replies

wobbles25 · 11/06/2025 08:30

I'll give all details as don't want to drip feed.
Separated 6 years ago, 2 dc.
I took over the mortgage, he rents and pays £750 pcm. He earns around £46k per year though does overtime too so prob takes him to £48k. He does pay a large sum into a pension (public sector employment).

He has not paid a penny in child maintenance since we split, he does pay for school trips, music lessons and school dinners for eldest dc (youngest has packed lunch).
He does have them mostly 2 weekends out of 3 and the other weekend he has them for one night. We are quite relaxed about this though so it does vary if he has plans etc.

During the holidays he typically has them for a week at Easter and Christmas and 10-14 days during the summer holidays. All other holidays fall on me.

Anyway, he doesn't pay anything and has always said it's because he has them so much and pays for the things I mentioned above, and that he just cannot afford to pay anything and if I insist, he will have to move back in with his parents who live 100 miles away.
It's always felt like a bit of a threat.

Fast forward to where we are now, I am self employed, it's a constant struggle to balance childcare and work and if they are sick or have appointments it's always on me.
I earn probably half what he does and I am struggling, really struggling and it's taking its toll on me. Just today I've had to cancel work because my eldest has an emergency appointment?

So, am I being unreasonable to think he should contribute something?

OP posts:
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Crushed23 · 11/06/2025 11:31

wobbles25 · 11/06/2025 08:40

The CMS calculator says £426 per month.

But I knew this already. He will move back to his parents if I do this though, so he has me over a barrel because I won't do that to the children (or myself), they would hardly see him

No he won’t. His rent is only £750/month and he earns £48k. He can afford £400/month on his children. It’s an empty threat. He barely has them 30% of the time based on what you’ve written, he can only get away with not giving you money if he has them 50% of the time.

Vaxtable · 11/06/2025 11:28

So some questions

if he moves back to his parents how will he work? Is he really going to give up his job?

according to a calculator if he’s on 46k pa net that’s £2997. Take off the 100 he pays you and the rent that’s still 2200 per month, just what is he spending that money on? ok he maybe paying extra into a pension, but that’s not helping you now and he perhaps need to reduce that payment until the kids are older

If he wants to make it more difficult. For him to see the kids that’s his choice, but please don’t use him not seeing the kids as a reason not to claim CMS. You need that money to provide for the kids and you are the default parent here, ina month he sees them 7/8 days, that’s 22 days you have them, in the holidays he sees them about three weeks, that’s 9weeks you have them, so how is that him ‘having them a lot’

Call his bluff tell him you want £400 pm or you will go to CMS. You can tell him that the £100 he pays now can be included, but your kids require support and he needs to step up

If he wants to move back to Mummy’s because you have called his bluff let him, he’s the one destroying the relationship with his kids, not you

RandomMess · 11/06/2025 11:24

Just go to CMS and stop cowing to his emotional black mail.

MattCauthon · 11/06/2025 11:22

wobbles25 · 11/06/2025 10:44

He is still on the mortgage because I couldn't get a mortgage for the amount needed to remain in the house. However, I pay 100% of the mortgage and have done since the day we separated.

your problems are much more than just the CMS then frankly. YOu are paying the mortgage but he is still a 50% owner. I thin you need to get this settled, and asap.

I would actually talk to a solicitor before going to CMS. Becuas at th emoment, arguably, YOU are paying HIM child maintenance in the form of his share of the mortgage.

BastardesEverywhere · 11/06/2025 11:18

I won't do that to the children (or myself), they would hardly see him

He hardly sees them now. For most of the year he sees them for 2.5 weekends a month - that's 5 days out of 30 op.

EoWeekend would change that 5 days to 4. It's hardly any different.

Sorry but yes, you are being a mug.

Springtimehere · 11/06/2025 11:17

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Snoopysimaginaryfriend · 11/06/2025 11:12

Sorry just seen your post, disregard what I’m saying about equity then if it is sorted

Spirallingdownwards · 11/06/2025 11:12

wobbles25 · 11/06/2025 10:49

In answer to those asking what if he moves to his parents...
It would mean that he sees the children less, probably eow, it's a 2 1/2hr drive away. This would impact them a lot, he is a good dad to them.

I have tried to have the conversation about money before but it's an instant "I can't afford it, unless I move back to my parents". I would like to keep things amicable, and I know going to the CMS would cause ww3.

The music lessons and school dinners plus anything else comes to about £100 a month.

Of course he isn't moving back to his parents 2 and a half hours away when his job is nearby too.

I do hope you have a financial order in place about what happens to the house you are paying for eventually!!!

CMS now. He is playing you.

Snoopysimaginaryfriend · 11/06/2025 11:11

wobbles25 · 11/06/2025 10:44

He is still on the mortgage because I couldn't get a mortgage for the amount needed to remain in the house. However, I pay 100% of the mortgage and have done since the day we separated.

If you split up six years ago have you not remortgaged since? I know that your everyday living costs will be at the forefront of your mind but the issue with your home is one that will come up eventually and if he would really move back to his parents would he not also demand the equity in the property?

I agree with posters suggesting you sit down, set out the difficulties you are experiencing and come to solutions together.

muggart · 11/06/2025 11:10

why isn’t he as worried about keeping things amicable as you are?? And how is it amicable when he is exploiting you?

also he can still see his kids plenty if he has a commute. is there a specific reason you need those weekends free? seems deeply unfair that he gets so much weekend time but you do all the school runs and weekday routines when youre also trying to hold down a job.

wobbles25 · 11/06/2025 11:10

Actually the more I write the more I think I must have mug stamped across my forehead!

OP posts:
wobbles25 · 11/06/2025 11:09

Yes we are divorced. It was only the house equity, no other ties as I opted not to pursue his pension (of which I was entitled to 50% of) and child maintenance wasn't included in any financial arrangements.

OP posts:
Nippytoday · 11/06/2025 11:08

Oh cross post there

Nippytoday · 11/06/2025 11:08

As you have been separated for six years it is probably time to sort out the financials for the house re the mortgage as that is hanging over you too.

wobbles25 · 11/06/2025 11:08

No he has not had his share of the equity (which is minimal anyway) but an agreement is in place for when the house is sold and it's not really relevant to this post.

OP posts:
Nippytoday · 11/06/2025 11:06

Were you married op? Have you divorced yet as all this would come up in the financial agreement re the house and child maintenance etc?

MyCyanReader · 11/06/2025 11:01

Before contacting the CMS, I'd put it in writing what you'd like.

By the sounds of it, it's not about the money but him saying he has them "so much of the time" when really he doesn't.

Could you suggest a 50/50 split including half of school holidays? e.g. one week alternating, then pay half each for all school trips, music lessons etc... Or he has them Wednesday to Sunday every other week then continues to pay for school trips and music lessons?

Or is it actually money rather than time? In which case, just open a CMS case. If he's in a public sector job then he can't do the self employed trick.

You need to sit down as adults and parents and discuss this, perhaps with someone neutral with you to help form an agreement that feels fair to both parties.

DaisyChain505 · 11/06/2025 10:59

Well if he doesn’t want to pay he needs to have them 50/50 so you can work more or pay less towards the children as you won’t have to feed them etc 50% of the time.

Lmnop22 · 11/06/2025 10:58

wobbles25 · 11/06/2025 10:49

In answer to those asking what if he moves to his parents...
It would mean that he sees the children less, probably eow, it's a 2 1/2hr drive away. This would impact them a lot, he is a good dad to them.

I have tried to have the conversation about money before but it's an instant "I can't afford it, unless I move back to my parents". I would like to keep things amicable, and I know going to the CMS would cause ww3.

The music lessons and school dinners plus anything else comes to about £100 a month.

He isn’t a good dad to them if he refuses to pay his fair share to them!

And every other weekend is a pretty normal arrangement which isn’t a detrimentally small amount of time to spend with your children.

But if you’re unwilling to ask for money and you’re justifying his threats to move and saying you prefer him spending 2/3 weekends with the kids to money and eow then what’s the point of the post?

Midmeddlecum · 11/06/2025 10:56

For a start, quit with the he’s a good dad to them nonsense. A good dad would support his children financially. Get a CMS claim in now.

Mrsttcno1 · 11/06/2025 10:50

wobbles25 · 11/06/2025 10:44

He is still on the mortgage because I couldn't get a mortgage for the amount needed to remain in the house. However, I pay 100% of the mortgage and have done since the day we separated.

Did you give him his % of the equity?

wobbles25 · 11/06/2025 10:49

In answer to those asking what if he moves to his parents...
It would mean that he sees the children less, probably eow, it's a 2 1/2hr drive away. This would impact them a lot, he is a good dad to them.

I have tried to have the conversation about money before but it's an instant "I can't afford it, unless I move back to my parents". I would like to keep things amicable, and I know going to the CMS would cause ww3.

The music lessons and school dinners plus anything else comes to about £100 a month.

OP posts:
wobbles25 · 11/06/2025 10:44

Snoopysimaginaryfriend · 11/06/2025 09:12

When you say you took over the mortgage how is your home currently owned? Is he still on deeds/paperwork or does he have a claim to any of the equity?

If I were you I’d work out what he’s currently paying, compare that to CMS and go from there but just wanted to make sure he can’t make your life more difficult in any other way like extra cost of childcare or claiming anything on the property etc.

He is still on the mortgage because I couldn't get a mortgage for the amount needed to remain in the house. However, I pay 100% of the mortgage and have done since the day we separated.

OP posts:
Lmnop22 · 11/06/2025 10:39

You have to make a CMS claim OP and I think you know this.

If he chooses to move 100 miles away to his parents house and stop seeing his DC then that’s absolutely not your fault, that’s totally on him (and likely an empty threat anyway!)

Why should you struggle so you can pay for 75% of the costs of raising a child so that he doesn’t have to pay a thing??

Snoopysimaginaryfriend · 11/06/2025 09:12

When you say you took over the mortgage how is your home currently owned? Is he still on deeds/paperwork or does he have a claim to any of the equity?

If I were you I’d work out what he’s currently paying, compare that to CMS and go from there but just wanted to make sure he can’t make your life more difficult in any other way like extra cost of childcare or claiming anything on the property etc.

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