Thanks Santa (great user name btw, I do love a lot bit of Tim
), I know allnew didn't ask but I had a feeling that's where it was going and I thought maybe it might help explain why it's not as simple as just having children of school age when you are trying to organise childcare - in fact it would be easier, logistically, if they were all pre-schoolers.
The biggest problem that I have with making a private arrangement in my own situation is that I have no idea where or when my XP works, no idea of his lifestyle etc in order to estimate his income, so if he were to offer to make a private arrangement then I have no idea if what he offers to pay is a reasonable amount. In fact, he did originally offer to pay £100 a month. For three children. So yes, I refused that offer and went to the CSA (although I would have been happy for him to pay me directly, he chose to pay via the CSA when he was actually paying). Their assessment was £150 a month, so clearly his original offer was not reasonable, but using the CSA was the only way I could find that out iyswim.
WRT the charges, afaik the CSA don't promise anything for the 7% charge that will be levied at PWC when the NRP does not pay them directly. Their consultation document stated specifically that the reason for the charge against the PWC is to act as an incentive for them to go back to direct payments if the NRP requests it. given that the charge will only be levied if the NRP doesn't pay directly, I think it's really unfair not only to charge the PWC in the first place, but also to expect them to agree to go back to direct payments at the NRP's request. FWIW, those charges are for the basic level of collection, ie when the NRP voluntarily makes payments to the CSA via card payments, standing order etc. There will be further charges against the NRP if the CSA has to move to DEO and court action.