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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:
GonnaeNoDaeThatJustGonnaeNo · 30/08/2025 12:02

nomas · 29/08/2025 13:37

Go via CMS. Get every penny your child is entitled to.

Do this

RentalWoesNotFun · 30/08/2025 12:00

Not sure what question I’m voting to answer tbh. Presumably are you being unreasonable taking £200. Yes you are being unreasonable. Go to cms and get the amount you are due. No pissing around. I doubt you’ll get the £3k+ that youre owed though. Sorry OP.

Bunnycute23 · 30/08/2025 12:00

RhaenysRocks · 30/08/2025 11:54

The op did more than what most NRP men do, had a "bIg job" that involved travelling and her child every weekend and school hold, not EOW and the odd week. She wasn't shirking and it doesn't sound like the ex did a great job.

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.

RhaenysRocks · 30/08/2025 12:00

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.

So? What difference does that make now?

AdoraBell · 30/08/2025 11:58

Definitely go through CMS.

Bunnycute23 · 30/08/2025 11:54

RhaenysRocks · 30/08/2025 11:47

Not directly no, but realistically he is taking about household income and if he needs more for CMS then his wife might need to sort out more of their other household expenses to allow for that. She chose to have a child with someone who had an existing obligation so she should be prepared that he will not be able to contribute as much as he otherwise would.

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.

RhaenysRocks · 30/08/2025 11:54

Bunnycute23 · 30/08/2025 11:48

It used to be factored in. Not now.

I'm not sure why everyone is missing that the child lived with his dad for 12 years?

I can imagine he probably thinks OP shirked responsibility for a good long stretch.

The op did more than what most NRP men do, had a "bIg job" that involved travelling and her child every weekend and school hold, not EOW and the odd week. She wasn't shirking and it doesn't sound like the ex did a great job.

Bunnycute23 · 30/08/2025 11:52

I mean, OP paid £360 a week for him to feed, clothe, emotionally support and care for her child five days a week from birth until 12.

Now she wants £360 a week back.

Its like the Brazier family, or something.

Bunnycute23 · 30/08/2025 11:48

Bertybop · 30/08/2025 11:40

I don't think they meant the wife should pay

Edited

It used to be factored in. Not now.

I'm not sure why everyone is missing that the child lived with his dad for 12 years?

I can imagine he probably thinks OP shirked responsibility for a good long stretch.

RhaenysRocks · 30/08/2025 11:47

Undoundid · 29/08/2025 15:53

Go via CMS, but you are unreasonable bringing his wife's earning into your post-they have nothing to do with you at all.

Not directly no, but realistically he is taking about household income and if he needs more for CMS then his wife might need to sort out more of their other household expenses to allow for that. She chose to have a child with someone who had an existing obligation so she should be prepared that he will not be able to contribute as much as he otherwise would.

Yetanothernewname101 · 30/08/2025 11:47

I would go via CMS for the money.
You'll never see the money back that he claimed after your son moved to yours full-time. We had a similar situation due to work, with a nightmare ex who insisted on an earnings attachment even though we were sending the money on time etc directly. We were still having money deducted from salary by work almost a year on from eldest having gone to university, because it takes that long for CMS to update their systems etc. We haven't seen that money back as they apparently can't claw it back from the resident parent. Yet if it's child benefit or other benefits they can claw it back?!

Bunnycute23 · 30/08/2025 11:44

Gettingbysomehow · 30/08/2025 11:39

Useless slacker of a man with no self respect. I worked two jobs to bring up my DS alone because my exH ran away abroad to avoid CMS. Now DS has grown up and thinks his father is a useless waste of space.

Useless slacker of a man who had residency of the 15yr old for 12 years while mum travelled.

Now she's got the arse.

Small but significant detail.

Bunnycute23 · 30/08/2025 11:42

LlynTegid · 30/08/2025 10:46

I bet he drinks alcohol, drives a car larger than is absolutely necessary if one is really needed, goes on holidays more than once a year.

Don't fall for such nonsense and others have suggested the actions to take.

Yeah. And got caught up in some sort of situation whereby mum was paying him £360pcm child maintenance although the kid lived with her?

Sometimes, no matter what shit I've ploughed through, reading here makes me feel normal and content.

Bertybop · 30/08/2025 11:40

Undoundid · 29/08/2025 15:53

Go via CMS, but you are unreasonable bringing his wife's earning into your post-they have nothing to do with you at all.

I don't think they meant the wife should pay

Gettingbysomehow · 30/08/2025 11:39

Useless slacker of a man with no self respect. I worked two jobs to bring up my DS alone because my exH ran away abroad to avoid CMS. Now DS has grown up and thinks his father is a useless waste of space.

Bunnycute23 · 30/08/2025 11:38

JMSA · 30/08/2025 11:34

Go after every penny you’re owed from the useless bastard.

Sure. The OP 'forgot' their own child lived with them for six months? Or something? I'm going to fall inline and say: "go to the CMS". She'll be awarded a pittance. Its like when people say 'LTB' and you'll get 'half his pension.' Fabrication.

Homeandfireworks · 30/08/2025 11:35

nomas · 29/08/2025 13:37

Go via CMS. Get every penny your child is entitled to.

This

JMSA · 30/08/2025 11:34

Go after every penny you’re owed from the useless bastard.

Bunnycute23 · 30/08/2025 11:33

Yep. Agree to £200 a month and make up the short fall in other ways. Like working.

Refer the fraud to the police.

Bunnycute23 · 30/08/2025 11:31

Sharkpenis · 30/08/2025 11:23

CMS and tell CMS about the payments he should repay you

And they'll do what? Send him a reminder letter? The OP is probably getting more than they would through CMS too. Some very poor advice on this thread!

Bunnycute23 · 30/08/2025 11:29

JFDIYOLO · 30/08/2025 10:56

Get legal advice. Chase him and make him pay every single penny.

He and his wife are both working so can support their own child - and no, you are not expecting her to contribute one penny to maintaining yours.

But she chose to take up with a man who already had a dependent child.

That comes with consequences, as in their household income from his side will be impacted.

Chase him. Do not take his feeble excuses.

The CMS calculator does deduct payments to children where there are subsequent children.

Spouse/partner incomes were taken into account initially. But not now, I think?

If he's only on £40k and has another kid, OP may well get less through the CMS.

Especially if their child opens overnights with the non resident parent.

Cautionary note, there.

The legal presumption currently (fair or not) is that each parent will take equal financial responsibility and shared care.

Rarely happens in practice. But dad's new child will reduce payments to OP.

The more pressing issues are around contact and residency.

Go to a solicitor before going CMS nuclear, OP.

Sharkpenis · 30/08/2025 11:23

CMS and tell CMS about the payments he should repay you

Bunnycute23 · 30/08/2025 11:19

TheFormidableMrsC · 30/08/2025 11:10

I get it didn’t work for you and I was in a similar situation for many years until my ex became gainfully employed. The CMS is absolutely useless unless there is PAYE involved. This is what needs fixing. However, it is extremely efficient and works very well if the absent parent is employed. They also have greater powers in that instance. I don’t think it’s wise to tell people not to bother with CMS, because you’re cutting off your nose to spite your face. In the OP’s situation, she should just let them deal with him as he’s salaried and they can take it directly.

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!

TheFormidableMrsC · 30/08/2025 11:10

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?

I get it didn’t work for you and I was in a similar situation for many years until my ex became gainfully employed. The CMS is absolutely useless unless there is PAYE involved. This is what needs fixing. However, it is extremely efficient and works very well if the absent parent is employed. They also have greater powers in that instance. I don’t think it’s wise to tell people not to bother with CMS, because you’re cutting off your nose to spite your face. In the OP’s situation, she should just let them deal with him as he’s salaried and they can take it directly.

Purplecatshopaholic · 30/08/2025 11:06

Don’t discuss it with him. Go through CMS for the money, end of. Your child is 15 so can speak to him himself, and if you and he do need to talk, use the app. His wife’s salary has nothing to do with it.

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