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AIBU to worry CMS deductions could push my son into crisis?

388 replies

Wokeuptired · 25/09/2026 10:56

My son split from his ex almost 2 years ago, they have 2 children together and 1 child that my son brought up as his own, their was lots of drama in the relationship and his ex was very demanding, my son paid her maintenence every month and paid for other things for her like the sky bill and some h/p goods, at the end of last year my son took a very serious attempt at taking his own life and he got sectioned, he obviously couldn't work but his ex was still demanding money from him, In March he got his old job back but he had to save for a deposit and furniture as well as pay for prescriptions food fuel to get to work, he was around £200 short each month and we helped him out with that, during this time his ex refused to let him see the children and he has not seen them since January, he had an upcoming court case to get to see them, as the eldest isn't his biologically he had to get a lawyer to help him as he wants her included.
Now the CMS are involved and they have taken £1700 out of his wages this is £700 for the month and £1000 in back pay as they calculated this from December last year, this leaves my son with around £500 after tax, he can't live on £500 as he can't even cover his rent with that, he has just got himself sorted financially but still owes money.
He doesn't know what he can do as he has phoned CMS and they said it has to be that amount and he explained the situation.
He has been to his boss to see what can be done and if he leaves this job he will break his contract with them and they won't employ him again, he can't go part time and then do work on the side to make the money up.
He just can't afford to work, it's ridiculous as he doesn't want to go on benefits as he also pointed out that it won't help his mental health.
What can he do?
I'm just so worried that he is going to try and end his life again as this seems like a no win situation.

OP posts:
themoirarosee · 25/09/2026 13:21

The calculation doesn’t seem to be making sense, my ex earns around that net. And when he had zero contact it was only around £300isj for two kids. Where have they got £700 from?

DavyCrockettsWildFrontEar · 25/09/2026 13:19

Cancel the cheque!🙄

(In other words, people, read all of OP's posts.)

Theunamedcat · 25/09/2026 13:19

CMS dont do balloon payments you can offer to pay more than minimum or make a one off payment but they wont take payment that big my ex owed thousands at one point it took them months to get an attachment of earnings then they took their minimum plus fees plus a small amount towards the arrears

ThreadGuardDog · 25/09/2026 13:18

ThisUmberSwan · 25/09/2026 13:10

At the end of the day he needs to pay for his children regardless of what their mother is earning it is his shared responsibility.

secondly I don’t personally understand the figures as my partner pays £100 a week for 3 children and then £50 for our daughter although we are still together and he pays for other bits and bobs for them all like clothing, shoes, school trips, the fun stuff but also has them overnight he just gives the weekly to support in which ever way he can. And he earns around £800-900 per week after tax I think I’m not sure I’ve never bene nosey enough to ask or want to know because we are all looked after by him and I work. So I would go back through CMS calculator and see.

A basic calculation would be around £167 per week after allowable deductions. Obviously that depends on circumstances - whether there is shared care etc. The fact that you have a shared child living at home with you is relevant - his weekly income would be reduced by 11% before the calculation is made to account for that.

Garfieldloveslasagnepie · 25/09/2026 13:18

MySharpFawn · 25/09/2026 11:50

My brother has 4 children to pay for and earns 100k ish a year. He pays £1400 for four of them a month on a higher salary, so there are no way your figures are right- or they have not done them correctly.

That’s embarrassing. Imagine putting that online.
Your brother should be ashamed of himself.

Foolish1984 · 25/09/2026 13:17

seasoned user of the CMS here - For them to have taken such a large amount of money in one go, he will have to have been dodging payments for YEARS. It takes years upon years to get the CMS to take that kind of action, if they ever do! I’m 11 years in and they STILL won’t take this kind of action against my ex.

Either that or he is lying through his teeth about the amounts

HairsprayBabe · 25/09/2026 13:17

@ThisUmberSwan You are talking about a mentally ill man with dyslexia (that makes reading hard in case you didn't know)

Fun fact dyslexia is often worse when someone is under stress, such as a suicidal person might be.

Money is stressful. At no point did OP say her son wanted to get out of paying what he owed.

Millytante · 25/09/2026 13:17

LoudBrickTiger · 25/09/2026 13:01

As people have mentioned, your DS and you need to take a breath (may be easier said than done):

  1. Gather all the documents and try to get a coherent story what happened since the split
  2. Go to Citizen Advice or something similar and ask for help to calculate the proper amount and what help is available

No need to panic, this country has so many safeguards in place that they can put you in jail or kill you for debts etc.

  1. Once you have the final calculation, contact CMS and if they can't back up their claims, use your MP to get them to do their job.

Yes this sounds like a right old minestrone of bits, pieces, and misunderstandings.
The plain ££ facts will surely indicate a clear path for him now (and necessarily leaving aside the eldest child, who’s not his own, as there is no room for his sentimental attachment at this juncture, and a very clear picture of responsibilities is essential)

[You haven’t spelled it out, naturally, but the circs which brought on his psychological crisis were not necessarily to do with child support payments, or his treatment by his ex, etc.
Yet a leap to linking all these matters is invited, as it stands, and I’d counsel against leaving any such impression with whatever advisers you all meet with. ]

AmberPeaches · 25/09/2026 13:16

Merrybandofpirates · 25/09/2026 13:10

@Wokeuptired
We all posted that your figures were totally wrong and you said that you had seen the paperwork and continued saying it was right. Now you’re saying exactly what we all said it would be (even the amounts are what we said they would be). So… you didn’t actually see the paperwork before then, did you? But you argued with the advice you were being given? Waste of everyone’s time.

This. You were arguing the toss that the figures absolutely were right when people were telling you they couldn’t be.

what a disingenuous thread.

Credittocress · 25/09/2026 13:16

Wokeuptired · 25/09/2026 13:00

Before December he was paying her directly £600 a month and on his statements he put as a reference "child maintenance " he couldn't pay January, February or March as he didn't get paid until April after he worked for some of March and April, he went to pay in the April and she told him not to bother as she had gone through the cms. He got his first letter from cms in August saying what he needs to pay with no mention of how much they were going to take in backpay. During the time between February and August he had to buy a car to get to work pay a deposit on his rented home so he can show the court that he is able to have the children, all he wants to do is be with his kids and make sure they are OK and i have seen the paperwork as due to his dyslexia he misreads things, it all became clear after I started this thread and he sent me a copy of his payslip as I can now see where he was mistaken.

Kids don’t just stop needing food or shoes because you need to buy a car. He should have carried on the payments at the start of the year.

CMS calculate what is owed from when the other parent submits the claim. It sounds like they had their own arrangement in place, he stopped paying so she has gone to CMS.

Did he really think you can just stop paying and you get a free pass for those months

ThisUmberSwan · 25/09/2026 13:13

Wokeuptired · 25/09/2026 13:08

His take home this month is £1700 after his rent he has £800 left and we will help out with his bills so he isn't that short, his main worry was that he couldn't afford to work as he needs to work.
He read his payslip wrong as the thought he was only going to be paid £500.

So he didn’t look at the bottom right and see net pay: £xxxx and think oh that’s what’s coming in or better yet he could have sent it to you the functioning adult and you could have told him this before all of this hassle. It sounds to me as though he doesn’t want to work because what kind of human would sit there and think oh the first thing I need to do to get out of paying is quit my job and rely on benefits this is waaaay to much this. Something fishy

LowlandLucky · 25/09/2026 13:12

BreezyClouds · 25/09/2026 11:13

I thought a backlog was cleared at a reasonable rate, although of course there should never have been a backlog. When and why did he stop paying? If when he was sick and not earning surely his contribution was supposed to be 0 at that point?

The backlog is the issue, how big and how long til it's cleared.

Note - what mum earns is irrelevant.

I would imagine he stopped paying after he attempted suicide and was sectioned. Is that a good enough reason for the backlog?

cestlavielife · 25/09/2026 13:11

He owes 9000 in vack pay cms? How did it get so much?

ThreadGuardDog · 25/09/2026 13:11

KL29 · 25/09/2026 13:04

So was she just not meant to feed the children until he was well enough to pay?

What a ridiculous comment. As the resident parent she would be getting child benefit and claiming child related additions to UC if not working or having wages topped up. He was mentally unwell, hospitalised, sectioned and had no income. What would you have liked him to do ?

ThisUmberSwan · 25/09/2026 13:10

At the end of the day he needs to pay for his children regardless of what their mother is earning it is his shared responsibility.

secondly I don’t personally understand the figures as my partner pays £100 a week for 3 children and then £50 for our daughter although we are still together and he pays for other bits and bobs for them all like clothing, shoes, school trips, the fun stuff but also has them overnight he just gives the weekly to support in which ever way he can. And he earns around £800-900 per week after tax I think I’m not sure I’ve never bene nosey enough to ask or want to know because we are all looked after by him and I work. So I would go back through CMS calculator and see.

Merrybandofpirates · 25/09/2026 13:10

@Wokeuptired
We all posted that your figures were totally wrong and you said that you had seen the paperwork and continued saying it was right. Now you’re saying exactly what we all said it would be (even the amounts are what we said they would be). So… you didn’t actually see the paperwork before then, did you? But you argued with the advice you were being given? Waste of everyone’s time.

HairsprayBabe · 25/09/2026 13:10

@KL29 Well if he had killed himself she would have had no choice. What a dazzlingly stupid thing to comment.
It is the best interests of everyone that the NRP is mentally healthy and able to continue contributing. If the resident parent was mentally ill and unable to work they could expect support from the state in order to feed the children.

Wokeuptired · 25/09/2026 13:08

His take home this month is £1700 after his rent he has £800 left and we will help out with his bills so he isn't that short, his main worry was that he couldn't afford to work as he needs to work.
He read his payslip wrong as the thought he was only going to be paid £500.

OP posts:
ThreadGuardDog · 25/09/2026 13:07

SethAndReubenTooSendGaloshes · 25/09/2026 13:01

And you would have been entitled to benefits due to being unable to work and due to disability which you could use to pay for your children's essential expenses?

Which is exactly what CMS would do. They consider the benefits claimed and calculate the percentage payable as child support. And having cancer is no guarantee that you will qualify for disability benefits. It’s automatically classed as a disability under the Equality Act 2010 but it does not automatically qualify someone for disability benefits unless they are terminally ill with less than a year life expectancy.

Eightfor15 · 25/09/2026 13:05

CandyCrushLevel14809 · 25/09/2026 12:28

Why are they going through CMS?

It's the last fucking paragraph in the post you quoted.

People not reading the thread annoys me, but not even reading the post they're replying to is beyond belief.

KL29 · 25/09/2026 13:04

So was she just not meant to feed the children until he was well enough to pay?

Mumofoneandone · 25/09/2026 13:04

Am glad you've been able to go and support your son. This sounds an absolutely dire situation and I hope it gets resolved soon for your son, especially over withheld custody. Hopefully CMS will listen to what has happened and make suitable adjustments.
Whilst there's always 2 sides to a story, your son's ex sounds a nasty piece of work. Your son also sounds like he's been very generous with his support towards his children.

ThreadGuardDog · 25/09/2026 13:03

KaleidoscopeSmile · 25/09/2026 12:17

Indeed. "That'll show HER" right?

What are you talking about ? Have either of you read my post properly because it appears not. He was making a voluntary contribution to his ex at a higher rate than CMS. She thought she would get more via CMS and she was wrong. It was substantially less. I said quite clearly that he pays the CMS order as it stands AND makes the voluntary contribution to the household to make sure the kids have what they need. Where is the ‘that’ll show HER’ here ?

LoudBrickTiger · 25/09/2026 13:01

As people have mentioned, your DS and you need to take a breath (may be easier said than done):

  1. Gather all the documents and try to get a coherent story what happened since the split
  2. Go to Citizen Advice or something similar and ask for help to calculate the proper amount and what help is available

No need to panic, this country has so many safeguards in place that they can put you in jail or kill you for debts etc.

  1. Once you have the final calculation, contact CMS and if they can't back up their claims, use your MP to get them to do their job.
SethAndReubenTooSendGaloshes · 25/09/2026 13:01

mindutopia · 25/09/2026 12:59

When I got cancer and couldn’t work for 2 years, my kids still needed food and school uniform and shoes and days out.

Obviously, as he wasn’t earning, technically his CMS should have been zero deductions from wages as he had none. But realistically, his ex was still covering for his inability to support his kids during that spell. He may not need to pay her back for holding it together for them all when he couldn’t, but he should.

But yes, somewhere the official maths aren’t mathing. My guess is you aren’t getting the whole story.

And you would have been entitled to benefits due to being unable to work and due to disability which you could use to pay for your children's essential expenses?