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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 · 31/08/2025 00:54

PorridgeEater · 30/08/2025 22:16

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.

The OP fucked off for 12 years and is just shit stirring now, frankly. She should go through the CMS. Quibbling over £50 monthly is ridiculous. The woman needs to take the £200 and shut up. Doesn't mean it's terrific or fair. But that £200 a month could be super helpful.

Dearnurse · 31/08/2025 01:01

Obviously he committed fraud by not letting CMS know your DS was living with you & has stolen your money , 5 months of £350 is £1750 that's not nothing, you could definitely not only report this to CMS but also take him to small claims for the money as well as the court costs, watch him miraculously afford to pay you back once you've sent a letter threatening legal action, also definitely don't accept less his situation & other childs nursery bills are not your problem he needs to pay for his son not only the £1750 he stole from you but £2000 back pay from the time he should have been paying you !

Bunnycute23 · 31/08/2025 01:10

Dearnurse · 31/08/2025 01:01

Obviously he committed fraud by not letting CMS know your DS was living with you & has stolen your money , 5 months of £350 is £1750 that's not nothing, you could definitely not only report this to CMS but also take him to small claims for the money as well as the court costs, watch him miraculously afford to pay you back once you've sent a letter threatening legal action, also definitely don't accept less his situation & other childs nursery bills are not your problem he needs to pay for his son not only the £1750 he stole from you but £2000 back pay from the time he should have been paying you !

Seriously? That's a hilarious assumption. Fraud? Wow!

The OP wasn't the resident parent for 12 years.

caringcarer · 31/08/2025 01:34

nomas · 29/08/2025 13:37

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

This and ask for evidence that money you paid is in an account in your DC name otherwise go to CMS about that too. You are so well shot of this man who doesn't want to pay for their own DC. Your DC obviously knows this and votes with their feet.

RhaenysRocks · 31/08/2025 07:53

OP if you're still reading this, do ignore @Bunnycute23 I'm not a fan of NRPs who drop in for 4 days a month and Disney parent but having a job "away" Mon-Fri and then doing every weekend and holiday is not the same as that and as a pp worked out, actually in terms of days is not a million miles away from 50/50. You did not abandon your child any more than any other parent does when they have a job with travel and you are not evil. That poster clearly has a massive problem with working women.
And yes @Bunnycute23 obtaining money under false pretences is in fact fraud.

GiveDogBone · 31/08/2025 09:05

It’s not a negotiation. Provided £375 is what comes out the standard formula (and it sounds about right) then he pays it, or you take him to CMS and they dock his wages (and they’ll take an additional fee above the £375).

Start the CMS process now, to get the ball rolling. But… I assume they will take time to do it, so you’ll lose some months’ pay for that, so it might be worth taking a little, and I mean little, less. But always with the threat of CMS in the background.

Swiftie1878 · 31/08/2025 09:12

This money isn’t for you, it’s for your child.
CMS has done the maths - they know what is fair and reasonable for him to pay. Stick with that.

hungrypanda4 · 31/08/2025 09:26

His wife’s income is completely irrelevant but other than that I don’t think YABU.

DisabledDemon · 31/08/2025 15:33

Oh dearie me - well, he shouldn't have had a second child if he couldn't afford to pay for the first one. Thoughtless/selfish? Should have tied a knot in it.

dh280125 · 01/09/2025 11:11

None of this is your problem. It's his, and he needs to sort it with CMS. And they are the only ones you should deal with. If they have set the payment, make sure he pays it. Nothing else should be your concern than getting what your child deserves.

femfemlicious · 01/09/2025 14:40

Bunnycute23 · 30/08/2025 11:44

Useless slacker of a man who had residency of the 15yr old for 12 years while mum travelled.

Now she's got the arse.

Small but significant detail.

What exactly is your problem?. You are all over this post. Are you related to her ex?. There is NOTHING wrong with her son staying with the father for 12 years!. She paid child support and I sure she still bought him things!. Henderson to pay child support as well now!!!

Carlacooker · 02/09/2025 09:33

I agree with going thorough the CMS. It has its problems but you may as well try. Better than relying on him as he is trying to get out of it. All while knowing that the new, 30 hours free childcare for working parents initiative comes out this month! So his cries of "not affording the nursery fees" are false!

Definitely bare this in mind when he tries it again OP.

Carlacooker · 02/09/2025 09:35

I'm also aware that some people will have to top up the nursery fees but it's far less than before the 30 hours free.

FairKoala · 22/02/2026 14:17

Ultimately whilst it isn’t up to the new wife to pay for your child, as a couple they need to deduct CM amount from his net pay then cut their cloth according to their joint income and that includes him saving for DS’s future only if he can afford it after CM and all the bills him and his wife have been paid. Anything left over after their own joint savings should be split 50/50 and his 50% then can be used as savings for his eldest child and spends

I wonder why he is advertising the fact that whilst claiming he can’t afford CM he has been putting money away for dc.

Presumably him and his dw have a spare bedroom now that dc lived in. Maybe downsizing or renting the room to a lodger or getting a live in nanny. Friend worked out it was cheaper than f/t nursery costs.

However if there are arguments and the household is tense I wonder if this marriage will last

Interesting to know what age baby is compared to what age DS was when you split up.

FairKoala · 22/02/2026 14:44

Only issue I have where I do think KindBrickSquid you were unreasonable was when exh had custody of dc growing up.

It does seem like you let exh do all the heavy lifting, the morning rush to get out the door, nursery/school runs, homework, tea, bath and bed and repeat along with doctors and dentists appointment, parents evenings etc and then on weekends and holidays dc was away with his mum who gave him all her attention without any of the day to day stress

No wonder your child has such a fractured relationship with their father.

Even when you were able to have your dc 50/50 did it ever cross your mind to actually have your child during the week and only for 50% of the weekends or holidays so your dc could have time with their dad doing things for the day or week so dc and their father could get to know each other without having to clock watch when things should happen because of work and school.

Supporting2026 · 18/05/2026 17:42

[removed - didn't realise post was very old]

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