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AIBU?

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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:
TY78910 · 25/09/2026 12:19

ThreadGuardDog · 25/09/2026 12:11

My SiL went to CMS and actually ended up with significantly less than the voluntary payments her ex was making. He paid the CMS and contributed additionally to household expenses to make sure the kids had what they needed. It was a money grabbing exercise on her part that backfired badly. I don’t think it’s an isolated incident somehow.

@CandyCrushLevel14809 I knew it would be something like this. A family member went through something similar. He still contributes more but kids are old enough for their own bank accounts. So he will CMS what is needed and then give more directly to kids + purchase trainers / clothes / pay school trips - whatever the child says they need.

MySharpFawn · 25/09/2026 12:18

CandyCrushLevel14809 · 25/09/2026 12:12

If it was a 50/50 split wouldn't CMS be no payment either way?

PP says her brother pays £1400 for 4 children - I presume this is a CMS calculation (otherwise the post is irrelevant) so either it's not a 50/50 split or the parents don't have a good co-parenting relationship and have gone through CMS, thus unlikely the brother is paying additional.

Maybe I'm entirely wrong. I hope so.

Correct, my brother is always away for his work so he pays in full (kids are older now 12, 14, 16 and 18) so he sees them when they aren't busy with friends etc- so its based on not very many overnights. He takes them away with him and has them over loads and they spend nearly every weekend on days out or hanging at home with him but rarely stay over as they like going home.

KaleidoscopeSmile · 25/09/2026 12:17

CandyCrushLevel14809 · 25/09/2026 12:14

So did he stop making the voluntary payments when she went through CMS because she was money grabbing? Surely only the children were disadvantaged by that.

Indeed. "That'll show HER" right?

KaleidoscopeSmile · 25/09/2026 12:16

LondonPapa · 25/09/2026 11:28

She doesn’t sound desperate. @Wokeuptired is he also paying for the child that isn’t his? If so, challenge CMS asap.

Actually, it doesn't matter if she's desperate or not, they're his bloody kids. CMS will not make him pay for a child that isn't his so they don't need challenging.

Men who leave their families and fight against paying a fair share towards their kids make me puke

Lellamir · 25/09/2026 12:16

The issue seems to be the rate at which he's paying his arrears off.

My ex built up arrears of £22, 000.
He is repaying at £100 a month, despite earning 4-5 times what I do, as ordered by CMS.

£1,000 sounds a lot.
Would the ex be amenable to a reduced repayment rate, for a longer period?

OctoberMists · 25/09/2026 12:16

ThreadGuardDog · 25/09/2026 12:08

Was just about to say probably the fastest way to get this sorted is via the local MP. Something is clearly not right and if he has had time off work unpaid for MH problems clearly CMS are not aware of this or they wouldn’t be calculating back pay across a period when he hasn’t earned.

This - and make sure he's submited pay slips and any supporting documents to them.

I suspect something has gone wrong with calculation somewhere working on incorrect information - as most women I know get a pittance.

CandyCrushLevel14809 · 25/09/2026 12:14

ThreadGuardDog · 25/09/2026 12:11

My SiL went to CMS and actually ended up with significantly less than the voluntary payments her ex was making. He paid the CMS and contributed additionally to household expenses to make sure the kids had what they needed. It was a money grabbing exercise on her part that backfired badly. I don’t think it’s an isolated incident somehow.

So did he stop making the voluntary payments when she went through CMS because she was money grabbing? Surely only the children were disadvantaged by that.

Hollowvoice · 25/09/2026 12:14

I don't understand how he can have £9k of arrears if he was making payments up to December. Even if the £700pm is correct that's over a year's worth of non payment?

MySharpFawn · 25/09/2026 12:14

Wokeuptired · 25/09/2026 12:01

Thank you for this, as it really doesn't sound right and it's causing him so much stress as before he got ill he paid his ex £600 and sent her money every Saturday for a takeaway then he paid for her car and all the repairs, he even cleaned for her when he had the kids, as he had them at his former home as he was in a bedsit and he couldn't take the children there, but now due to another issue that I can't go into he can't face her so he needs his own home so he can facilitate having his children again and this is what the social worker involved in the case has advised him. So without his job he won't be able to see his children let alone pay for them, he needs to keep his job so he can keep his home and still pay for the children as he wants to but cms are not leaving him enough to live on.
I am going to get a flight this weekend and we will try and help him sort all this out.

I think you can get a reduction from looking online if he is facing financial hardship! The prices are ridiculous- my brothers ex wife is on benefits as she refuses to work and is having her entire rent paid for- he gives the kids money every weekend as well as she doesn't use the child maintenance on them but rather buys her new boyfriends weed. So she is sitting on about 4k per month money for doing nothing as UC doesn't take into account Child Maintenance. My brother is well off so isn't struggling, but the whole system seems to be a pisstake.

ThreadGuardDog · 25/09/2026 12:13

Doctordoolittle · 25/09/2026 11:44

This.

The numbers don’t add up at all. Either your son is earning more than he is telling you, or CMS have mucked up the calculations. It will be 15% if he is paying for two children and 19% if three.

Definitely phone up. He needs to pay for his children and personally I think that comes before having any luxuries himself, but this isn’t right.

How is a roof over his head - mandated by a social worker for access to his children - a luxury ? Could you manage on £500 a month ?

pinkfondu · 25/09/2026 12:12

They don’t just take from wages for no reason

CandyCrushLevel14809 · 25/09/2026 12:12

ThreadGuardDog · 25/09/2026 12:06

It’s supposed to be a 50/50 split between the parents. ‘So little’ in this case works out at nearly £3000 a month to look after 4 children. The idea is to support the children not to fleece the father because he’s a high earner. You have no idea what else he may be contributing on top of CMS.

Edited

If it was a 50/50 split wouldn't CMS be no payment either way?

PP says her brother pays £1400 for 4 children - I presume this is a CMS calculation (otherwise the post is irrelevant) so either it's not a 50/50 split or the parents don't have a good co-parenting relationship and have gone through CMS, thus unlikely the brother is paying additional.

Maybe I'm entirely wrong. I hope so.

ThreadGuardDog · 25/09/2026 12:11

CandyCrushLevel14809 · 25/09/2026 12:08

Fair point, but if you were supporting your children over and above what CMS advise, why would you even go through CMS? Usually people only go through CMS to enforce financial support when a private agreement can't be reached.

My SiL went to CMS and actually ended up with significantly less than the voluntary payments her ex was making. He paid the CMS and contributed additionally to household expenses to make sure the kids had what they needed. It was a money grabbing exercise on her part that backfired badly. I don’t think it’s an isolated incident somehow.

ThreadGuardDog · 25/09/2026 12:08

HairsprayBabe · 25/09/2026 12:06

CMS is notorious for making errors

Parents pushed to breaking point by Child Maintenance Service, BBC told - BBC News

for resident parents and for NRPs

My husband was told he needed to pay £600 a month for one child because they thought he had two jobs at once. They also calculated arrears that were incorrect it took nearly a year to sort out.

Speak to CAB and write to your MP that's how we sorted it in the end.

Was just about to say probably the fastest way to get this sorted is via the local MP. Something is clearly not right and if he has had time off work unpaid for MH problems clearly CMS are not aware of this or they wouldn’t be calculating back pay across a period when he hasn’t earned.

CandyCrushLevel14809 · 25/09/2026 12:08

TY78910 · 25/09/2026 12:05

That’s just CMS. What do you know about any other contributions outside of this to make that statement?

Fair point, but if you were supporting your children over and above what CMS advise, why would you even go through CMS? Usually people only go through CMS to enforce financial support when a private agreement can't be reached.

KidsAndDogsGalore · 25/09/2026 12:06

I agree the numbers don't add up. Does he have other debts that he's also paying off and just calls it CM to get your sympathy and understanding?

But having been in a very similar situation with DH, once the CM is calculated it's really hard to change the payments. (Not getting into details as irrelevant here.) I assume the backlog is for the time he's been ill - there should be some leverage there. He needs to appeal.

ThreadGuardDog · 25/09/2026 12:06

CandyCrushLevel14809 · 25/09/2026 11:59

Well he sounds like a peach of a father. Isn't he ashamed to share with you that he contributes so little?

It’s supposed to be a 50/50 split between the parents. ‘So little’ in this case works out at nearly £3000 a month to look after 4 children. The idea is to support the children not to fleece the father because he’s a high earner. You have no idea what else he may be contributing on top of CMS.

HairsprayBabe · 25/09/2026 12:06

CMS is notorious for making errors

Parents pushed to breaking point by Child Maintenance Service, BBC told - BBC News

for resident parents and for NRPs

My husband was told he needed to pay £600 a month for one child because they thought he had two jobs at once. They also calculated arrears that were incorrect it took nearly a year to sort out.

Speak to CAB and write to your MP that's how we sorted it in the end.

Katy, wearing a black T-shirt and glasses, talks on a sofa

Parents pushed to breaking point by Child Maintenance Service, BBC told

Some parents describe battles to make ex-partners pay, while others say there have been mistakes in calculating what they owe.

https://www.bbc.co.uk/news/articles/c4g3re5ew8do

SethAndReubenTooSendGaloshes · 25/09/2026 12:05

Wokeuptired · 25/09/2026 11:24

I have seen all the paperwork, we can't see how it's right either as it doesn't add up, but cms says it's correct, should he call then again? And what should he say?

Of course he should contact them again? And if he's been employed rather than self employed he will have all the evidence - payslips, P60 and bank statements.

TY78910 · 25/09/2026 12:05

CandyCrushLevel14809 · 25/09/2026 11:59

Well he sounds like a peach of a father. Isn't he ashamed to share with you that he contributes so little?

That’s just CMS. What do you know about any other contributions outside of this to make that statement?

ThreadGuardDog · 25/09/2026 12:02

CremeDeMure · 25/09/2026 11:02

I am sorry he is struggling. However, he has children. He has a duty to support them financially. I doubt his ex went to CMS for the entertainment value. She was probably desperate herself. If his mental health is that poor, he needs to see his GP.

He’ll be under a mental health team at the hospital so soon after a serious suicide attempt. He has a duty to support his children but the summary deduction from wages without taking account of the current circumstances and the effects on him isn’t on.

AvidMauveCrab · 25/09/2026 12:02

There are calculators online that will show what he should be paying. The figures or facts do not stack up. He needs to push hard with CMS to sort this. You are correct that he cannot afford to house and feed himself on £500, but something is incorrect somewhere. How can he owe £9k if he has been out of work for a large period? Unless this is an old debt from when he was working but not paying?

His children (that HE also created) need food, clothing and housing so it is his responsibility to ensure he pays an adequate amount. The financial obligation of children does not fall to the primary parent, almost always the mother. Men really need to think of this before procreating.

nomas · 25/09/2026 12:02

Wokeuptired · 25/09/2026 11:20

To be honest I'm not sure if he is paying for the older child, i know he was last year when he paid her directly.
But he really doesn't want to give up working as he wants to be able to support his children but he can't live on £500 a month for the next 9 months. And we can't afford to give him £9000.

Get him to check asap, he shouldn't be paying for his ex's child.

Wokeuptired · 25/09/2026 12:01

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.

Thank you for this, as it really doesn't sound right and it's causing him so much stress as before he got ill he paid his ex £600 and sent her money every Saturday for a takeaway then he paid for her car and all the repairs, he even cleaned for her when he had the kids, as he had them at his former home as he was in a bedsit and he couldn't take the children there, but now due to another issue that I can't go into he can't face her so he needs his own home so he can facilitate having his children again and this is what the social worker involved in the case has advised him. So without his job he won't be able to see his children let alone pay for them, he needs to keep his job so he can keep his home and still pay for the children as he wants to but cms are not leaving him enough to live on.
I am going to get a flight this weekend and we will try and help him sort all this out.

OP posts:
blackcatlove · 25/09/2026 12:01

If you use the cms calculator for 2 children, he should be paying £372 a month on £28000 and not having any overnight contact,