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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Cms advice

30 replies

purplecat26 · 01/06/2026 21:12

Hi,

I’ve split up from my husband a few months ago and looking for some advice re maintenance. I work part time my kids are primary school age. He earns around £60k year I earn £18k a year with some top up of benefits on top of that. He’s still in the marital home and I’m renting. We are doing 50/50 split.

At the moment he is paying me below the maintenance calculator suggestion around £100 less. It’s just an informal arrangement between us. He also pays for half the childcare and kids clubs which still is below the suggested maintenance amount.

Would I be entitled to the maintenance through the cms service or no because we are 50/50? I’m in receipt of the child benefit.

Any help greatly appreciated as the advice is so conflicting.

OP posts:
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OhamIreally · 10/06/2026 14:30

I don’t know about Scotland but what I do know is that the divorce settlement is a one time only deal. Almost certainly you have been financially disadvantaged by having children. Absolutely go for half of everything that you are entitled to. Even if it’s hard and he makes it difficult for you. You don’t want to look back in 5,10,20 years time and regret not getting a fair settlement.
He is breaking the law by refusing you access to the home, you would be quite within your rights to move back in. If you are joint tenants and are both on the mortgage then you are jointly and severally responsible for paying the mortgage. Just because you aren’t paying it doesn’t mean you don’t own half the equity.
So it doesn’t matter how determined he is; what matters is the law.

millymollymoomoo · 10/06/2026 08:05

Scotland is different in a divorce which follows a more rigid formula whereas England is more needs based

so in Scotland as I understand only assets acquired or accumulated on value post marriage and pre separation are included and much more likely a 50:50 split of those

purplecat26 · 10/06/2026 07:40

millymollymoomoo · 10/06/2026 06:26

There are two separate issues here

firstly the divorce settlement
yiu need full disclosure and settlement and this includes pension. You may decide to not take pension but this could be used to negotiate higher equity share.

you won’t get occupational rent as he’s paying all the mortgage - you are paying rent,

you have a right to remain in the house and any solicitor would have advised you not to leave

this sounds like a needs base divorce and weighting will be given to housing child adequately- you both have the same housing needs.

he's not a high earner and by the time you add in child benefit and uc your monthly income might not be as disparate as you think.
your settlement will consider your income and full time earnings potential not simply the 18k you earn pt now. Ex won’t be expected to supplement pt wages.

you should have a solicitor

Secondly
on the cms / if it’s 50:50 shared care there won’t be any cms. In cases of very significant earnings there could be but your ex does not fall into this category. If you go for this he could also charge you your share of mortgage - weigh up the outcomes

My solicitor told me to leave if it was affecting my mental health, which it was. I wouldn’t have been able to afford the mortgage on my own anyway. She also said she was pretty sure I would be entitled to maintenance.

I think some of the things you are speaking about apply in England, I am in Scotland so I know the way divorce is dealt with slightly different.

I’m now thinking I’ll just tell my ex to keep the maintenance and we can go through a proper divorce keep everything above board and go through full disclosure and through our solicitors.

OP posts:
millymollymoomoo · 10/06/2026 06:26

There are two separate issues here

firstly the divorce settlement
yiu need full disclosure and settlement and this includes pension. You may decide to not take pension but this could be used to negotiate higher equity share.

you won’t get occupational rent as he’s paying all the mortgage - you are paying rent,

you have a right to remain in the house and any solicitor would have advised you not to leave

this sounds like a needs base divorce and weighting will be given to housing child adequately- you both have the same housing needs.

he's not a high earner and by the time you add in child benefit and uc your monthly income might not be as disparate as you think.
your settlement will consider your income and full time earnings potential not simply the 18k you earn pt now. Ex won’t be expected to supplement pt wages.

you should have a solicitor

Secondly
on the cms / if it’s 50:50 shared care there won’t be any cms. In cases of very significant earnings there could be but your ex does not fall into this category. If you go for this he could also charge you your share of mortgage - weigh up the outcomes

purplecat26 · 09/06/2026 20:55

JustAnotherWhinger · 09/06/2026 20:43

You should get proper legal advice before agreeing to anything.

A judge is very unlikely to sign off on the finances if you haven’t had advice, especially with children involved anyways, but you should protect yourself by doing so.

I have got a solicitor but I’m not sure how helpful she is, she was like it’s up to you about going for the pension. Ex wants to do a diy agreement which is then agreed and looked over by both solicitors but I don’t think this will work but I’m scared about the fees. Have tried to access legal aid but can’t find anyone around here.

OP posts:
JustAnotherWhinger · 09/06/2026 20:43

purplecat26 · 09/06/2026 20:37

Very helpful. I was only more interested in the maintenance as he was determined I would get very little in the divorce. Sounds like there is something there. He has explicitly told me he does not want me in the house alone and has now restricted my entrance to the back door and has cameras at the front. He is also now referring to it as his house and his partner is going there. He feels that because he paid the deposit for our first house and the proceeds were used for our second, it is obviously his. I have contributed financially and also raised our kids and not advanced in my career, I am a uni graduate actually but I have worked part time while I raised the kids youngest about to start school soon.

Edited

You should get proper legal advice before agreeing to anything.

A judge is very unlikely to sign off on the finances if you haven’t had advice, especially with children involved anyways, but you should protect yourself by doing so.

purplecat26 · 09/06/2026 20:37

Unexpectedlysinglemum · 09/06/2026 17:45

You should go after the pension or more than 50% of the house, as you haven’t built up your own pension. You could also charge him occupational rent on his share of the house but then he’d probably argue you’re welcome to move back in your chose to leave!

Very helpful. I was only more interested in the maintenance as he was determined I would get very little in the divorce. Sounds like there is something there. He has explicitly told me he does not want me in the house alone and has now restricted my entrance to the back door and has cameras at the front. He is also now referring to it as his house and his partner is going there. He feels that because he paid the deposit for our first house and the proceeds were used for our second, it is obviously his. I have contributed financially and also raised our kids and not advanced in my career, I am a uni graduate actually but I have worked part time while I raised the kids youngest about to start school soon.

OP posts:
Unexpectedlysinglemum · 09/06/2026 17:45

You should go after the pension or more than 50% of the house, as you haven’t built up your own pension. You could also charge him occupational rent on his share of the house but then he’d probably argue you’re welcome to move back in your chose to leave!

Unexpectedlysinglemum · 09/06/2026 17:43

You should get universal credit to pay most of your rent and a child top up on your low salary. Plus child benefit.
if you push him for more money he may apply for child benefit in his name and they give it to him for one child at least. So he could then counter claim maintenance from you and you’d lose the UC attached to that child. I would be carful

Tinybiker · 09/06/2026 17:19

purplecat26 · 09/06/2026 14:04

What was the reasoning for this stopping? Would be really interested to hear your experience.

The reason it stopped was because my teenage decided not to do the 50:50 anymore. Shame that they didn't but they were adamant that they wanted to be with me more.

purplecat26 · 09/06/2026 14:58

Thank you all, very helpful. Think leaving the cms sounds the sensible thing to do.

OP posts:
ToyStory75 · 09/06/2026 14:44

Two threads recently were similar. Neither worked out well for the posters. Both lost their cases and one child benefit.

just take anything he is giving you as he doesn’t have to give anything.

childcare should be paid by each parent on what days they are needing the cover.

Notmycircusnotmyotter · 09/06/2026 14:40

Why would you expect maintenance if you're sharing 5050?

JustAnotherWhinger · 09/06/2026 14:38

Your divorce elements - the house, cars, pensions etc - are all irrelevant for CMS.

JustAnotherWhinger · 09/06/2026 14:37

purplecat26 · 09/06/2026 14:24

Also it’s mainly me who organises a lot to do with the kids, dealing with the childcare the school etc.

None of the organising matters for CMS. If you have 50:50 care then no child maintenance is due.

You would be within your rights to say that he has to organise and pay for childcare for his time.

But be very careful before you go to CMS as it could backfire very badly. On 50:50 he could claim one of the child benefit payments and that would impact your top up benefits.

In the case of prolongedaffair’s thread the children no longer speak to her at all, and she now owes her ex CM every month.

purplecat26 · 09/06/2026 14:24

Also it’s mainly me who organises a lot to do with the kids, dealing with the childcare the school etc.

OP posts:
purplecat26 · 09/06/2026 14:23

Sorry just to clear it up it’s 50/50 shared care he wants and that is what we are doing currently. I work part time I’m on a temporary contract but hoping to be made permanent and given more hours. I have tried for other jobs and have been unsuccessful. My job is very flexible around my childcare arrangements. He only has to pay me a very small amount think less than £20 for childcare as I get a discount on this. He thinks I am due half the mortgage and maintenance costs towards the house since I left but I have to pay rent elsewhere by myself and have to contribute extra money towards this as couldn’t find somewhere cheaper. Also had to set up a new home by myself. Actively looking for a new property which is cheaper currently. I’m happy to not look at his pension nor his shares just the equity in the house. He also wants half the value of my paid off car which again a few thousand not much. He has a lovely new car but it is negative equity. Hope that helps with more detail.

OP posts:
JustAnotherWhinger · 09/06/2026 14:15

Have a read of the threads by prolongedaffair and fixatedplanet

Neither have come out well at all.

purplecat26 · 09/06/2026 14:04

Tinybiker · 09/06/2026 12:29

Until recently I had a true 50/50 child care agreement and also got CMS.

What was the reasoning for this stopping? Would be really interested to hear your experience.

OP posts:
JustAnotherWhinger · 09/06/2026 13:09

Also if you push with CMS he could go for one of the child benefits, which would then potentially impact any top up benefits you get as you’d only have one qualifying child.

JustAnotherWhinger · 09/06/2026 13:08

purplecat26 · 01/06/2026 21:12

Hi,

I’ve split up from my husband a few months ago and looking for some advice re maintenance. I work part time my kids are primary school age. He earns around £60k year I earn £18k a year with some top up of benefits on top of that. He’s still in the marital home and I’m renting. We are doing 50/50 split.

At the moment he is paying me below the maintenance calculator suggestion around £100 less. It’s just an informal arrangement between us. He also pays for half the childcare and kids clubs which still is below the suggested maintenance amount.

Would I be entitled to the maintenance through the cms service or no because we are 50/50? I’m in receipt of the child benefit.

Any help greatly appreciated as the advice is so conflicting.

With a shared care set up of 50:50 neither of you would be due to pay child maintenance to the other.

You’d each be responsible for paying childcare on your time.

If he’s happy paying what he is atm then in your shoes I’d be staying very quiet as you’re getting - in respect of what he would legally be obliged to do - a very good deal.

There are two recent threads from people with 50/50 care who pushed with CMS and have both ended up losing out massively that might be worth a read.

LadyGardenersQuestionTime · 09/06/2026 13:04

Do you mean 50/50 split of care for the children? Ie they spend equal time with each of you? Or do you mean 50:50 split of assets eg house equity or savings, as part of the divorce?

FloydPink · 09/06/2026 12:48

He should not be paying you anything if you have 50/50 and splitting costs like uniforms etc...

millymollymoomoo · 09/06/2026 12:46

That’s typically only in
csses where there is a very high earner. Of which Op ex is not

op should be seeking to improve her own finances ( ie work full time) not just expecting benefits and cms to allow part time.

of course that’s not to say ex should not contribute towards raising his child/children such as clothes/unifofm:/clubs etc but that’s not through cms

Tinybiker · 09/06/2026 12:29

Until recently I had a true 50/50 child care agreement and also got CMS.

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