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Share your dilemmas and get honest opinions from other Mumsnetters.

Difficult decision, do we tell CMS DSS is now working or keep quiet so his mum doesn't struggle?

133 replies

StringofPearlss · 08/09/2018 18:56

DSS turned 18 over the summer and after a bit of a worrying period of him not looking for any work and being a bit stuck in a rut drinking and smoking weed, I spoke to some friends of mine and helped him get a job with a friend's husband who is a builder. Initially labouring work at £250 per week but DSS is showing such promise and aptitude for the work that my friend said he's looking at giving him a payrise before Xmas. They can't praise him enough. The work is based near where we live so at present DSS spends the week with us and goes home to his DM at the weekend, with us giving him lifts to work, and sometimes his employer collecting him.

It's really made such a difference to DSS and he is enjoying getting up early and working hard, basically everything is great. Employer is quite flexible with days off, lets him go early on Fridays, pays for the odd lunch and uber home. DSS feels he's really fallen on his feet.

At present DH is still paying maintenance of £350 ish per month via CMS direct pay (they have always preferred to go via CMS as the figures come from HMRC so no quibble when DH gets a small payrise each year). This was because DSS left college in July and had no job, at first we thought he might want to go back to college for another year but then this job came up.

DH emailed his XP tentatively about who was going to let child benefit/CMS know that DSS is now earning and no longer in education.

It has caused quite an upset all round as XP will now lose quite a lot of money in child benefit, tax credits and maintenance, she says she will be down by £800 per month and her job is in a precarious position as it is (she works 16 hrs for a high street retailer in difficulty so that's a fair point).

DH is being put under a lot of pressure to not tell CMS that DSS is earning so that it doesn't flag up with child benefit/tax credits.

He has offered to keep paying the £350 via a private agreement for 6 months as a bit of leeway but XP says she will be bankrupt if that's all she gets. DSS has offered her some money for keep but he said £80 per week was the max he would pay as he is only there for 2 days a week and often eats out with his girlfriend for one of those days.

DSS is swinging emotionally like a pendulum, one minute saying he will give up his job and enroll in college to save his mum's benefits, one minute he is begging me to talk DH into keeping quiet so he can keep his job, and saying its all thanks to me that he even has the job etc. Then he goes to the other extreme and says that his mum has just got back from a holiday with her boyfriend and straight away booked another so she can't be that skint (although his DM says she deeply regrets booking the holidays now she knows DSS is not going back to college).

I am quite a people pleaser to a fault and feeling very bad about it, it feels a bit like we are pushing her into bankruptcy (it was my suggestion to continue paying the £350 for 6 months).

On the other hand DH really feels like he is enabling benefit fraud and it will bite us all on the arse later! Plus DSS has far more disposable income than us now so it feels wrong that she should claim for him.

It's got to the point where I even feel bad for helping him get the job in the first place even though I know it has been good for him.

There is also an older DSS (20) who moved out to live with a friend at 18 and he is part of the guilt trip, saying he will be forced to move back home if we leave his mum in the lurch.

Any advice, we feel quite rotten about it all!

OP posts:
bastardkitty · 08/09/2018 19:26

Ex would only have received CTC, CB and CM for another year if DSS had stayed in tertiary education. If he found work or went to uni or other higher education, it would all have stopped now anyway. So I'm not clear why she's shocked. Her son is not responsible for her. And nor is your partner.

PattiStanger · 08/09/2018 19:27

The may have breast cancer excuse doesn't hold water, you find that out very quickly after going to the doctors, you don't "think" you might have it and wait ages to find out, that's pure manipulation

VioletCharlotte · 08/09/2018 19:27

You're being extremely generous and it's good of your DH to give her 6 weeks extra when he doesn't have to. However she should have planned for this and started working full time well before now. She needs to pull her finger out and look for another job. There are tons of retail jobs available where I live. Being 50 isn't a barrier at all.

Neshoma · 08/09/2018 19:27

I didn't know tax credits were for booking holidays?

Merryoldgoat · 08/09/2018 19:28

Just adding my voice to the group saying she’s not your responsibility.

She needs to get a job for more than 16 hours and frankly was very short sighted not to.

Additionally, if I were her and in that position I’d be selling up and downsizing without a doubt. She sounds like a master manipulator.

Dollymixture22 · 08/09/2018 19:28

She must have realised the income would drop at some point - her son is an adult. What was she going to do when he turned twenty?

Paying for another six months is a lovely offer but it won’t solve what is a long term problem. She needs to take responsibility for herself.

It is totally unfair to make anyone else feel guilty for her failure to manage her own life.

Older son is also being unfair - you aren’t leaving her int he lurch - your husband has paid to help support his children who are now working adults. Their mouthed is not his responsibility.

Dollymixture22 · 08/09/2018 19:28

Their mother!!

Cismyfatarse1 · 08/09/2018 19:30

We get a letter annually (Scotland) checking kids still in school. College / University / anything past 18 doesn't get child benefit anyway past the end of the year in which they are 18. So CB will stop automatically.

Not sure about CM payments but, yes, she needs to manage her own lifestyle to suit her own income.

VimFuego101 · 08/09/2018 19:33

She should have planned for this... not your problem.

BoneyBackJefferson · 08/09/2018 19:34

runningscare
I have read it all now ... but for a balanced view, I am wondering when did your DP leave her? Did she get a settlement?

why should that make a difference? she has two grown up children and a partner.

I don't understand how and why she is your DP responsibility anymore?

because she isn't

PyongyangKipperbang · 08/09/2018 19:36

I just had to fill in a form for CB about DD continuing in education and you have to name the course and the institution, they do check. So her house of cards will fall down pretty soon anyway.

Graphista · 08/09/2018 19:37

i sympathise hugely with your dh's ex. She is in a tough position.

BUT it is fraud, and not even for necessities but holidays!

I'm not working due to ill health, dd started working last year and as a result I lost CB, ctc, the very intermittent and unreliable cm I got from ex which was a huge blow to my finances. I was also worried about the effect on hb and council tax but as I am on ESA/DLA apparently I'm exempt from certain conditions.

Dd pays keep (which doesn't even cover what I've lost).

I've had to cut back, not that I was exactly living the high life anyway!

But yea this ones taking the piss!

I wouldn't report as I don't consider it my business to do so plus you can never be COMPLETELY sure of her true circumstances and could really be landing her in it which would be disastrous for your and dh's relationships with your stepsons.

However, it's crazy to continue paying maintenance for a person who is now an adult and not even living there full time.

If I were dh I'd tell cms you were switching to a private arrangement and no longer need their services. Not completely untrue but means you're no longer paying the cm.

She'd be a fool to kick up a fuss because you COULD land her right in the shit!!

As for the sons they need to learn that they are not responsible for funding her choices.

IF she is genuinely ill I wish her all the luck in getting appropriate support as required and to which she is entitled.

However, holidays are not a necessity. I haven't had one in many years. Would be lovely but I can't afford it.

She could get a 2nd job, youngest dss could move out properly and she could rent his room out, as he has a brother I'm guessing she's in at least a 3 bed place so potentially 2 rooms to let, she could move somewhere smaller, she can review her budget and make cuts (including cancelling holidays), she can even check if there are other benefits she may be entitled to with her new circumstances.

None of which are you, dh's or even her sons responsibility.

sprinklesandsauce · 08/09/2018 19:39

Payroll is filed online direct to HMRC every time they are paid, so they will know that DSS is earning. Their departments don’t necessarily inform each other though but they could.

If you go along with it, it’s fraud.

My friends son has got a job aged 18, his father is paying CM until he gets his first paycheque, then her son is going to start to pay housekeeping money.

And yes, she will have to downsize if she can’t afford to keep such a large house.

Hard as it is for her, it’s not your DH’s job to keep her. If he’s done right his DC then that’s the end of it.

PyongyangKipperbang · 08/09/2018 19:39

But.....you wont be culpable for anything. You simply inform any investigation that you paid the CMS post 18 as a goodwill gesture. It is up to her to declare her situation accurately, not you.

And yes, I would stop paying. Tell her next month is the last month you will pay it and after that she is on her own.

SingaSong12 · 08/09/2018 19:40

Any private maintenance is between the two of them. Arrangement made through or benefits paid by the government have legal rules.

www.gov.uk/report-changes-child-benefit

StringofPearlss · 08/09/2018 19:41

Thanks again all. Feel silly now I hear your unanimous responses but like I say I'm a terrible people pleaser so these things make me feel so uncomfortable!

So will she have received/be receiving shortly a letter asking for proof of college from CB? We were not aware of this as our kids are young. She couldn't have even proved last years college as she wasn't involved in it at all, he went to college 3 days per week in our town and DH is the only parent named on the college paperwork and the college only had our address.

OP posts:
NorthernSpirit · 08/09/2018 19:41

The boy lives with you during the week and visits his mum at the weekend. She should be paying maintenance to you if any is paid!

The boy is now working, maintenance stops.

I’m not sure why the mum is only working 16 hours (well I do, she wants to milk the benefit system). She needs to work to support herself. End of.

As for asking the son to give up god job - completely selfish of her.

Inform the relevant agencies and stop paying. The mother needs to start taking some responsibility for herself.

IhatetheArchers · 08/09/2018 19:41

In the college I used to work in the parent/ young person used to request a letter confirming the course and hours for them to submit to the dss. Headed noted paper, stamped and signed, this was a few years back, so it may be done differently now.

But suffice to say, no proof, no benefit.

DontTouchTheMoustache · 08/09/2018 19:42

Is her name Edina Monsoon?

TheBigFatMermaid · 08/09/2018 19:43

My ex stopped paying the moment our DD moved out.

I think he is all kind of bastarding cunts for lots of other reasons, but not for that.

Child grow up, leaves education, non resident parent stops paying. Child grow up, leaves home, non resident parent stops paying.

She knew this would happen!! She has had a lot of time to prepare for it. It is not your or her exes problem!

IhatetheArchers · 08/09/2018 19:44

And we used to confirm the address, so no idea how the mother continued to receive benefit in the circumstances you outline.

Dayz0fft4 · 08/09/2018 19:49

Why is the mum only working 16 hours as an adult ? Knowing that money for children would stop at 18 ? Surely she has had plenty of time to plan ?

StringofPearlss · 08/09/2018 19:50

Thanks ihatethearchers
That's helpful, do you think we can ask the college for a letter stating that DSS did not re-enroll this September? We are half expecting a call as far as the college were aware he was coming back to do part 2 of his course.

OP posts:
Tistheseason17 · 08/09/2018 19:53

£1/2 M hours without a mortgage.
He sounds like he was a decent chap.
Yep, time to stop paying.

Tistheseason17 · 08/09/2018 19:53

*house