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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
Bunnycute23 · 30/08/2025 12:14

RhaenysRocks · 30/08/2025 12:00

So? What difference does that make now?

Well. The OP does seem quite bitter and judgemental about her ex partner's relationship. That aside, the CMS calculator shows £253 a month with one overnight weekly.

So, the difference? Fact prolly.

Bunnycute23 · 30/08/2025 12:19

GiantTeddyIsTired · 30/08/2025 12:10

Respectfully - read the OP - she was there nearly 50% during the first 12 years too, and paid maintenance - including when the child was living with her but her ex hadn't informed them about it!

I've missed some posts - are you seriously suggesting that someone on 41k/year should only pay 253/month for a child that someone else is looking after 100%?

That's what the CMS calculator says. With one additional resident child and 2 to three overnights.

Google ir.

I'm always so shocked by the financial ignorance around the CMS.

If you 'LTB' you don't get 'half his pension' either.

Bunnycute23 · 30/08/2025 12:24

Just ran the calculation again based on £41,000. Its £259.62pcm.

GiantTeddyIsTired · 30/08/2025 12:30

Bunnycute23 · 30/08/2025 12:19

That's what the CMS calculator says. With one additional resident child and 2 to three overnights.

Google ir.

I'm always so shocked by the financial ignorance around the CMS.

If you 'LTB' you don't get 'half his pension' either.

Why have you calculated it that way? It's clear in the OP, ex has 1 other child, and their child is no contact.

£363 I got.

RhaenysRocks · 30/08/2025 12:39

Bunnycute23 · 30/08/2025 12:14

Well. The OP does seem quite bitter and judgemental about her ex partner's relationship. That aside, the CMS calculator shows £253 a month with one overnight weekly.

So, the difference? Fact prolly.

So not fact ..the OPs child is NC with her dad. Bitter and judgemental is irrelevant to the numbers.

StressedOot3 · 30/08/2025 12:47

Absolutely go through cms, he did with you even when your child was living with you. Why should you treat him with more kindness than he did you. That money is towards your sons upkeep and he deserves it.

Bunnycute23 · 30/08/2025 14:07

GiantTeddyIsTired · 30/08/2025 12:30

Why have you calculated it that way? It's clear in the OP, ex has 1 other child, and their child is no contact.

£363 I got.

Cool and normal. I think both parents should concentrate on their 15yr old child. £150 is bugger all.

The OP was a weekend parent for 12 years.

Couldn't have done that personally.

Bunnycute23 · 30/08/2025 14:09

RhaenysRocks · 30/08/2025 12:39

So not fact ..the OPs child is NC with her dad. Bitter and judgemental is irrelevant to the numbers.

They're 15. It won't last. Despite Disney mum stirring the pot.

Bunnycute23 · 30/08/2025 14:11

Definitely go through the CMS. For the extra £150 a month.

Poor poor boy!

Anonymous23456 · 30/08/2025 14:14

Go through CM. His financial situation isn't your problem. I wouldn't want to get into thr discussion. Besides you can't trust anything he says anyway.

ouchithurtsalot · 30/08/2025 14:27

Just go through the CMS, they can take it out of his wages if necessary.

Naunet · 30/08/2025 14:44

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.

And what? He still has to financially support his child just like she has and still is, how you feel about women working, is irrelevant.

JustAnotherManicMomday · 30/08/2025 15:07

Tell him you couldn't afford to pay him child support and actually pay for everything dc needed when dc was living with you but it didn't stop him taking what wasn't his. He either pays it or it gets attached to his earnings. My suggestion would be find a cheaper childcare option if they can't afford it but ultimately that's not your problem.

KindBrickSquid · 30/08/2025 15:30

Blown away by the responses, thank you. I understand you don't have all the facts etc but really appreciate your guys input.

I'll go via what CMS say and leave it at that.

OP posts:
NotoriousABC · 30/08/2025 15:59

I went through CMS despite my XH’s protests and tantrums and wailing that ‘he was going to put DS’s money in a savings account’. I often don’t receive what he’s supposed to pay and it takes ages for them do do anything about non payments but for me, it’s still better than having to negotiate or communicate with him and especially having to go to him cap in hand asking for money 🤮

LackOfSleepCBA · 30/08/2025 20:09

Go straight back to CMS and arrange for them to take the amount they said he has to pay, from him. As it sounds like he's not going to pay you the amount he's been told to. I think they may may need to go through his work, where they take the amount before he receives his pay and they send it to you

Laurmolonlabe · 30/08/2025 20:18

If £365 is what the court mandated that's what he pays- his earnings and other outgoings were taken into consideration.
There is a difference between "not being able to afford £365" and just preferring to spend some of it a different way. He is £3K in arrears he needs to provide a reasonable payment schedule for that- go to the CMS they will set it up coming out of his pay automatically- don't discuss it with him, he is obviously a liar who doesn't want to pay- exactly what the CMS was set up for, talk to them get the schedule set up.

HardyCrow · 30/08/2025 20:49

nomas · 29/08/2025 13:37

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

This

Ethelflaedofmercia · 30/08/2025 22:03

Go to CMS and get what your child is owed. His new DC is not your concern, and he should have made sure he could afford more children before having more.

PorridgeEater · 30/08/2025 22:16

KeepCalmAndCarryOnScrolling · 29/08/2025 13:49

CMS as he has not paid you back and has no intention to.

Absolutely this.
He is trying it on wanting to pay less than is due. And I wouldn't believe the bit about 3k in savings account.
Let CMS handle it.

Horses7 · 30/08/2025 22:38

nomas · 29/08/2025 13:37

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

This with bells on!

DaylesfordBroccoli · 30/08/2025 23:17

If he wants to save money for your child he can do that from his own money, he can’t take money from you he wasn’t entitled to and give it to your child, so if he’s got the £3k in a bank account there’s no reason not to hand it over (of course we all know there is no £3k, he’s spent it)
Insist on the CMS amount, if it puts him in debt it’s only for 3 years or so, he’ll manage.

Bunnycute23 · 31/08/2025 00:45

Naunet · 30/08/2025 14:44

And what? He still has to financially support his child just like she has and still is, how you feel about women working, is irrelevant.

Its less than £400 a month.i used to do side hustle before side hustles were a thing for that.

OP chose to be a weekend parent to their child.

Couldn't do that, personally.

A

Bunnycute23 · 31/08/2025 00:46

Neither of his parents want him.

That's so sad.

Bunnycute23 · 31/08/2025 00:49

Ethelflaedofmercia · 30/08/2025 22:03

Go to CMS and get what your child is owed. His new DC is not your concern, and he should have made sure he could afford more children before having more.

Indeed.

The person who abandoned their son for 12 years will still get less than thay want.

Evil woman.

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