Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Ex insists he can't afford child maintenance payments

141 replies

KindBrickSquid · 29/08/2025 13:36

Would really appreciate some input on this please and I don't know if I'm being unreasonable or not.

TLDR;

  • DC lives with me full time and has gone no contact with dad.
  • I still paid child maintenance for months while DC lived with me because ex was lying to child maintenance.
  • Ex claims he can't afford the £365 a month due to child care costs for his other child.
  • Ex has offered £200 a month instead.

AIBU? Do I just agree to £200 a month without any of that money being paid back or do I insist we go with what child maintenance have said the payment should be.

I even worked out what the payment would be if my ex was on less money, had DC on weekends and taking into account their other child and it's still around £280.

More context;

Ex and I split up when DC was very young. I was in a job that travelled a lot so it meant I could only have DC on weekends so we came to agreement DC would be with me on the weekends and ex in the week and I'd have him all school holidays etc. This changed about 3 years ago when I changed career and i'm not at home all the time.

DC is now 15. DC had issues with my ex's new wife, it was a very tense household. A lot of fighting, name calling etc and DC has been living with that and struggling with it badly. Ex and his new wife were aware of the shouting being a trigger for DC but nothing changed. DC told me they wanted to live with me and my husband full time at the start of this year. Long story short things went from bad to worse at DC's dad's house and DC ended up moving in with me permanently at the beginning of the year.

There was contact to begin with between DC and ex but DC ended up going no contact due to the stress and upset it was causing. But due to ex not agreeing to DC moving out they refused to stop child maintenance and was falsely claiming DC still lived with them. I was paying around £350 for child maintenance a month for 5 months before I finally got it changed.

Ex is now being told by child maintenance that they need to pay me £375 a month now that DC lives with me full time. That doesn't include paying me back for all the months I paid when I shouldn't have.

Ex however is saying that he can't afford it because of how much nursery is for he and his new wife's child. He said he can afford £200 a month and that's it. He's on £41k a year and doesn't live in an expensive part of the country. He said anymore and it'll put him into debt. His wife also works a good job.

I've been put into debt for the fact I had to pay £350 a month to my ex while DC was actually living with me because I was also the one that was actually paying for DC (so bills increased, needed clothing as ex was withholding his things, school things, food, travel, pocket money, activities, you get the idea).

I said to ex that I would be willing to agree to a lesser amount only if they paid me back the money I was sending them all those months that DC was actually living with me. He has refused this because he has 'put the money into a savings account for DC'. He said there's 3k in that account and it's to go towards a car or university later on.

My ex has been caught out in lies in the past (part of the reason we split back then) and I can't help but think this is a lie and he and his wife have just spent the money I sent over. Otherwise why would they be so reluctant to send it back to me considering not doing so would 'put them into debt' if they had to go with the Child Maintenance Agreement.

He says his wife shouldn't have to pay for DC and I agree with that, but I think his wife should be contributing to child care for their child if that is what they insist they can't afford.

AIBU?

Do I just agree to £200 a month without any of that money being paid back or do I insist we go with what child maintenance have said the payment should be.

I even worked out what the payment would be if my ex was on less money, had DC on weekends and taking into account their other child and it's still around £280 (so more than the £200 he's offering).

OP posts:
LackOfSleepCBA · 30/08/2025 20:09

Go straight back to CMS and arrange for them to take the amount they said he has to pay, from him. As it sounds like he's not going to pay you the amount he's been told to. I think they may may need to go through his work, where they take the amount before he receives his pay and they send it to you

NotoriousABC · 30/08/2025 15:59

I went through CMS despite my XH’s protests and tantrums and wailing that ‘he was going to put DS’s money in a savings account’. I often don’t receive what he’s supposed to pay and it takes ages for them do do anything about non payments but for me, it’s still better than having to negotiate or communicate with him and especially having to go to him cap in hand asking for money 🤮

KindBrickSquid · 30/08/2025 15:30

Blown away by the responses, thank you. I understand you don't have all the facts etc but really appreciate your guys input.

I'll go via what CMS say and leave it at that.

OP posts:
JustAnotherManicMomday · 30/08/2025 15:07

Tell him you couldn't afford to pay him child support and actually pay for everything dc needed when dc was living with you but it didn't stop him taking what wasn't his. He either pays it or it gets attached to his earnings. My suggestion would be find a cheaper childcare option if they can't afford it but ultimately that's not your problem.

Naunet · 30/08/2025 14:44

Bunnycute23 · 30/08/2025 11:54

The OP was a weekend parent until the now 15yr old was 12. I'm sure he shouldered the lion's share of responsibility in those early years. Emotional and fiscal.

And what? He still has to financially support his child just like she has and still is, how you feel about women working, is irrelevant.

ouchithurtsalot · 30/08/2025 14:27

Just go through the CMS, they can take it out of his wages if necessary.

Anonymous23456 · 30/08/2025 14:14

Go through CM. His financial situation isn't your problem. I wouldn't want to get into thr discussion. Besides you can't trust anything he says anyway.

Bunnycute23 · 30/08/2025 14:11

Definitely go through the CMS. For the extra £150 a month.

Poor poor boy!

Bunnycute23 · 30/08/2025 14:09

RhaenysRocks · 30/08/2025 12:39

So not fact ..the OPs child is NC with her dad. Bitter and judgemental is irrelevant to the numbers.

They're 15. It won't last. Despite Disney mum stirring the pot.

Bunnycute23 · 30/08/2025 14:07

GiantTeddyIsTired · 30/08/2025 12:30

Why have you calculated it that way? It's clear in the OP, ex has 1 other child, and their child is no contact.

£363 I got.

Cool and normal. I think both parents should concentrate on their 15yr old child. £150 is bugger all.

The OP was a weekend parent for 12 years.

Couldn't have done that personally.

StressedOot3 · 30/08/2025 12:47

Absolutely go through cms, he did with you even when your child was living with you. Why should you treat him with more kindness than he did you. That money is towards your sons upkeep and he deserves it.

RhaenysRocks · 30/08/2025 12:39

Bunnycute23 · 30/08/2025 12:14

Well. The OP does seem quite bitter and judgemental about her ex partner's relationship. That aside, the CMS calculator shows £253 a month with one overnight weekly.

So, the difference? Fact prolly.

So not fact ..the OPs child is NC with her dad. Bitter and judgemental is irrelevant to the numbers.

GiantTeddyIsTired · 30/08/2025 12:30

Bunnycute23 · 30/08/2025 12:19

That's what the CMS calculator says. With one additional resident child and 2 to three overnights.

Google ir.

I'm always so shocked by the financial ignorance around the CMS.

If you 'LTB' you don't get 'half his pension' either.

Why have you calculated it that way? It's clear in the OP, ex has 1 other child, and their child is no contact.

£363 I got.

Bunnycute23 · 30/08/2025 12:24

Just ran the calculation again based on £41,000. Its £259.62pcm.

Bunnycute23 · 30/08/2025 12:19

GiantTeddyIsTired · 30/08/2025 12:10

Respectfully - read the OP - she was there nearly 50% during the first 12 years too, and paid maintenance - including when the child was living with her but her ex hadn't informed them about it!

I've missed some posts - are you seriously suggesting that someone on 41k/year should only pay 253/month for a child that someone else is looking after 100%?

That's what the CMS calculator says. With one additional resident child and 2 to three overnights.

Google ir.

I'm always so shocked by the financial ignorance around the CMS.

If you 'LTB' you don't get 'half his pension' either.

Bunnycute23 · 30/08/2025 12:14

RhaenysRocks · 30/08/2025 12:00

So? What difference does that make now?

Well. The OP does seem quite bitter and judgemental about her ex partner's relationship. That aside, the CMS calculator shows £253 a month with one overnight weekly.

So, the difference? Fact prolly.

TheFormidableMrsC · 30/08/2025 12:13

Bunnycute23 · 30/08/2025 11:19

I'm not suggesting people shouldn't bother. It can work for people if their ex is PAYE.

It just isn't a magic bullet.

Its a department with very, very low enforcement capabilities. Because it's civil.

I would advise anyone to get independent legal advice in advance of any financial matters in respect of children.

I didn't have the funds to do that with my eldest.

Got a statement every year with the arrears showing an increasing amount each time.

The last statement showed in excess of £16,000 owed to me.

Might chase that up, actually!

There is no legal avenue for maintenance unless the NRP is an exceptionally high earner or the child is disabled and then you can apply via The Children’s Act. The court stopped dealing with maintenance many years ago. In this case, the OP is best going through CMS. Yes I would also
chase it up. Every bloody month.

RhaenysRocks · 30/08/2025 12:11

Bunnycute23 · 30/08/2025 12:00

If it was that 'big' a job, she didn't pay much! Doesn't make her bad. But doesn't mean dad couldn't find someone more present and have another child?

Also, if she's that successful, £160 a month is a drop in the ocean surely?

I don't think there's anything intrinsically wrong with women who decide to leave their children.

Men do it often.

I do think there's something wrong with coming back and blaming the other person, the one who raised and was there for that child, because of £160.

She paid CMS, including when the child was living with her. Now she's asking him to do the same. That's all. We all know CMS isn't half the costs and the RP usually puts it way more in time, money, energy etc. If an RP was fairly compensated for all that extra the CMS amount would be astronomical. However, working within the current system, the OP did the right thing, and more so given that she paid when the child lived with her. Asking her ex to do the same ..abide the system is hard to disagree with. The imbalance in their earnings is not known and actually irrelevant. The OP could be worth millions, he'd still owe CMS.

GiantTeddyIsTired · 30/08/2025 12:10

Bunnycute23 · 30/08/2025 12:06

And the 12 years the child's mother wasn't there?

Its £253 a month maximum from him.

Head. Clouds. Remove it. Respectfully.

Respectfully - read the OP - she was there nearly 50% during the first 12 years too, and paid maintenance - including when the child was living with her but her ex hadn't informed them about it!

I've missed some posts - are you seriously suggesting that someone on 41k/year should only pay 253/month for a child that someone else is looking after 100%?

Bunnycute23 · 30/08/2025 12:09

Coconutter24 · 30/08/2025 12:04

He doesn’t sound like a freeloader with the little info we have, a chancer maybe.
PAYE will be involved, he is on £41,000 so cms should be involved. They have already said what he should pay. Op needs to stick with them and report any missed payments

You're right. I misread the OP and didn't realise mum was only around on weekends for 12 years.

CMS calculator says £253pcm with one overnight weekly.

If I was the OP, I'd ask for £260pcm and count my lucky stars the kid even spoke to me.

GiantTeddyIsTired · 30/08/2025 12:07

Weekends and holidays - so 100 days of weekends plus 10 weeks of holidays is 170 days - that's really not that far off 50/50 (assuming the father actually did take on some holidays) - and it's swings and roundabouts whether having undiluted children, or school runs is harder to my mind. She pulled her weight previously I'd say.

If my ex had the kids every weekend and holiday I would certainly feel a massively lighter load.

Bunnycute23 · 30/08/2025 12:06

GiantTeddyIsTired · 30/08/2025 12:04

it's 13% of his takehome. Just over a tenner a day. He needs to find it because he owed his kid that much.

And the 12 years the child's mother wasn't there?

Its £253 a month maximum from him.

Head. Clouds. Remove it. Respectfully.

Coconutter24 · 30/08/2025 12:04

Bunnycute23 · 30/08/2025 10:52

He is a freeloader, basically. He'll get round every hurdle.

The time spent worrying could better be spent on things the scrote can't enjoy.

Like his children as people!

For years and years, I fought tooth and claw.

Didn't see a penny.

Have the best relationship with my children though.

Fighting wasn't worth the blood pressure increase!

Can we not fight the system instead of pointing people towards an inherently broken scheme?

He doesn’t sound like a freeloader with the little info we have, a chancer maybe.
PAYE will be involved, he is on £41,000 so cms should be involved. They have already said what he should pay. Op needs to stick with them and report any missed payments

Bunnycute23 · 30/08/2025 12:04

On the info available, the CMS calculator says he owes £253 a month. If the child stays with dad more than 1 night each week, this will decrease.

GiantTeddyIsTired · 30/08/2025 12:04

it's 13% of his takehome. Just over a tenner a day. He needs to find it because he owed his kid that much.

Swipe left for the next trending thread