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CMS Payment Gap - financial crisis!

12 replies

Larrythelamb84 · 01/08/2018 17:26

My ex-husband is £18k in arrears with the CSA. Recently the CMA have caught up with him and a deduction of earnings has meant £461 coming into my account for the last 3 months, £249 of this being is regular amount and the rest arrears. All good.

Today however I have received a letter to say he has re-negotiated his arrears, and his total payments will be £269 per month - providing only £20 per month towards his arrears. Problem with this being there will now be a gap, so no payment in August with the new payments starting in September and I simply cannot afford to do without it. It is the school holidays and for the first time ever I've been able to work and put the kids in holiday Club, using some of the money he's been paying and relying on the August payment for the rest (the total holiday fees are £960).

I am now in a position where I can't work, as I can't afford the holiday club fees. I've no family, I've done my best to try stay in work. I've paid debts off using the money that did come in from him, and relied on the August money to allow me to work.

Why do they allow this gap? Especially when he's not paid for the last 8 years and has only just started. Also, where's the proof he can't afford the higher payments? Apparently they don't request wage slips, only P60, so if he is earning more this year, he will owe that and it'll be added to his arrears.

I really don't know what I'm going to do. I've cried on the phone to them, explained I cannot afford a gap in payments, especially during the school holidays, and all I am told is it's procedure 😥

OP posts:
Starlight345 · 01/08/2018 18:50

I don’t have any advice but it just sucks

Wonkydonkey44 · 01/08/2018 18:53

I feel your pain I sometimes don’t know whose side they are actually on x

avocadosrus · 01/08/2018 19:12

I have no advice for you but I sympathise with you greatly, the CMS agreed with my EXH that he could pay his £900 arrears off at a rate of 10p per month!!
They are beyond a joke.
He's a high earner!
I hope that you can resolve it somehow but they are notoriously useless!

sue51 · 02/08/2018 00:02

It's a joke. Do write to your MP, the more people who make a fuss the better. It's outrageous that NRPs can be financially abusive and the CMS just roll over and allow it. Even more galling as we pay £20 for the privilege.

greenberet · 05/08/2018 09:34

Agree with Sue51 - write to them - Complain - let them know how much stress this is putting you under and therefore how this impacts on the kids - this is the 3rd/ 4th thread I've commented on this morning saying the same thing - I know it's a huge battle I'm going through this myself - my x is taking this to court tribunal - I've sent anything and everything I can that shows his level of income - do you have financial info used in divorce - are you seeing Gp for stress?

This past week I've felt like I've been on the verge of a breakdown have too much going on and everything seems to be just hassle after hassle - I'm trying to move forward but it's like wading through quicksand - this is just one of my battles - I've let things go with the flow recently but hearing the x is off on another holiday whilst I'm unable to function much has spurred me into action. The CMS is meant to be a system to help mothers and kids - its fucking abysmal - we have to keep on at them otherwise it will just be another CSA all over again - writing off billions of unpaid maintenance - whose maintenance exactly? They don't owe this - it's the bloody fathers who do!

Larrythelamb84 · 06/08/2018 09:16

Hi

Yes I've written to them, but their response is that I do not have to be consulted before changes are made. It's just infuriated me that this is my heaviest financial month. Not only do childcare fees need paying, but uniform needs to be bought, and I had hoped to try do some fun things on the days I am off. I feel it's been done on purpose.

I just think the whole system sucks really. I've visited my gp and he's prescribed proparanol. Now on medication all because the ex has decided he's too poor to pay!

OP posts:
Asdf12345 · 06/08/2018 09:21

Explain the situation to him and ask for a little more.

He may be struggling to pay but might be able to budget for a little more in August and then less for the next few months.

drspouse · 06/08/2018 09:24

Will the holiday club let you pay in installments (ours does)?

sue51 · 06/08/2018 09:56

Asdf12345 A man who has let his build up to 18000 and has not paid in 8 years is not going to take notice of a letter asking for a little more.

Larrythelamb84 · 06/08/2018 11:30

I've no contact with him. I could potentially go and find him, but it would no doubt turn into a confrontation with the potential that he would stop paying altogether. I'm more angry at the CMS than him. Why when this service is supposed to support us, have they allowed someone with so much arrears to take a break? And reduce the payments to such that it'll take years to pay? The whole system is a joke.

OP posts:
sue51 · 06/08/2018 12:30

Do complain to your MP. It's unfair that a service that's paid for by us allows this to happen.

greenberet · 06/08/2018 17:21

Have you got in touch with gingerbread www.gingerbread.org.uk/what-we-do/news/government-u-turn-child-maintenance-avoidance-welcome-not-enough/

I don't know what else to suggest but don't give up - tell them you are now on medication for the extra stress - someone needs to be accountable - £18000 of fucking debt? Christ how can they let this happen? You wouldn't get away with not paying bloody council tax - and not only does this go up but you get less for your money - sorry im angry today

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