Has anyone moved their partner in? CSA PAYMENTS

[Louw12345]

Had anyone moved their partner in and lost a portion of CTC to their ex

By law we have to tell CMS however his payment would go down by 42 a month but then my CTC would have 15% taken from it which works out at £130 a month. If I'm right in what iv read.

Now if it balanced what she was losing fair enough but it's way over and I don't think it's fair. I struggle as it is and still waiting for my own claim of CMS to be processed.

It's really worrying me.
I am currently a student and will be for the next 4 years by moving my partner in I'm already taking much less in student finance and would stuggle with everything to even feeding my children on a loss of 130 a month. Saying that I will already lose £50 a week in CTC him moving in.

I know people say when a partner moves in we have extra money etc but not really we will have to pay full rent full CT all bills travel for 2 children to school and dinner money or extra food for 5 children.

He has his car which he would need to keep in order to see his kids as they live 50 mins away.

However we have already worked out how much that would be monthly
Also he would have to change jobs ideally we would love him to get what he gets now but I don't think he will therefore, less money but still the same amount going from my CTC.

I love this guy I really do but while me not working I can't afford to lose that kind of money.

His ex is still caught up with him and it's all up in the air so I know if she knew about the extra payment she would take it without a second thought to my children.

He has already paid and seen his kids on a weekly basis and she's always had a problem even thou we have done everything she hs asked.

Recently she demanded more money didn't ask we review the money just demanded an extra 80 a month and money for uniforms he paid 120 for one. So he said I will have to check over my money.

She kicked off went the CMS and it's come back that on last year's tax year he has to pay 169 a month.
Know she knows this he's not allowed to see his kids. So I know she will want my money for my kids

Please I really need to know if this is true b4 we take any steps of him moving him

Why do your ctc go down by 15%? My ex pays reduced maintenance because of his partners childreb but I wasn't aware their ctc was affected.

Surely rent and bills out of your pocket are going to go down by 50%? Now he's going to be paying it instead?

I've also heard that they can take a slice of your CTC. My OH's ex would do it in a heartbeat. We can't afford to live together until I get a better paid job which I am training for. Do you HAVE to live together?

From what I have read they take the amount and that 25% for my children then that amount loses 15% for his child. Eventhou she claims that for him already

@Alittlepotofrosie yes that is true however what I save would go to his ex.

It's not like she's losing out as I we have already talked about making up the short fall however I am worried she will find out that she could get more and go for it.

they haven't been together nearly 2 years he pays and sees his child also his step child he provides at his house for them both. He takes a week off in the 6 week holidays but this year he can't have them coz her money will go down! Coz she has a CMS claim. He would never not do that he loves both them kids and does what he can for them. he helps her if she's broke he picks and drops kids off every week even thou she drives and in the past he gos half with uniforms for both children. She has it good I'm telling you.
Now she's going to expect all that plus 300 a month bearing in mind she is claimin all the benefits in the world.

Why should my children lose out she would end up with 300 a month from 170.

I don't get a panny from my kids dad so it's not like that would even blance it out. But like I said if it evened it out what she lost I would mind one bit but it's not.

@donajimena he lives 50 mins from me and we really don't get alot of time together, we was thinking next year but after finding this out it has really worried me.

I want a better life for all the children but losing that money plus a huge drop in studentfinance means I would have to give up on my nursing degree and settle for a job just to get through month to month

Is the drop in ctc just because you're now living together? When my ex pays maintenance as far as I know it is just based on his earnings. I get nothing extra based on what they get in tax credits they claim as a family

Why don't you get any money from your children's Dad?

I don't think him doing things like going halves on uniform us particularly special tbh. They are his kids too. If he's unhappy with the amount of contact he has, he needs to take the official route to sort it, rather than, as you imply, missing out on contact so his ex can claim more money.

My BIL has this sort of issue with his ex too, but he's reluctant to formalise maintenance, so he's just whining about money. Does my head in. I guess he's worried he'd not see his daughter much, but he was the SAHP when they split so he was in a great position.

Is he planning on moving 50 mins away from his children then?

No we don't live together yet it is something we have been talking about.

I only found out yesterday that they take my CTC as an in come after reading online.

My ex is an arse he paid fine for a whlie got a gf stopped paying and seeing then started then stopped again so I opened CMS claim. He's having another baby so I want to try and get something sorted with him as I don't think I should have 25% of their CTC I think it is wrong as now hes ment to pay 38 a week. That will go up by 12pound but that 12 will go from his baby.

No but it's alot more than some dads do @honeysucklejasmine he respects her as the mother of his kids and does that because hes their dad. He helps her when he can. Which I think is right but she pushs it to her gain not the kids.

Their cat died she text him and told as she didn't know how to explain to the kids. Anyway this text came through at gone 11 we was asleep. Then another text saying I'm. Going to keep the kids this weekend and do something nice with them please don't mention the cat to then coz I'm grieving.
Now his concern was for the kids they loved that cat I understand she would be to but she made it about her not the kids.

They had an argument weeks ago and she still brings it up. Using the kids against him.

Yes he is looking In to sorting it out think he's going to try mediation first.

I'm not a monster iv brought my kids up for the last 3 years on my own with dad coming and going doing his bit then not. I don't want overy the odds from him I just want him to realise that children are both perants responsibility. He paid 50 a week for 5 kids CMS said 38 I will take the 38 as anything is better than nothing but he doest want to pay that either.

My partner is a good dad I wouldn't be with him if he wasn't due to what my kids have been through. I don't want to take money from his child and that why we said we would pay the short fall.

However I don't think she should gain 120 a month.

He lives about 40 45 mins away from his kids where he lives now. @lunar1

How I understand it is that the drop in CTC is because you would have a joint claim instead of a single claim. With regards to your student stuff, that too is based on household income. The CMS also would reduce her money by whatever % it is as your DP is in a household with your children.
Speaking as a single parent myself I would say if you can't afford to do it then don't do it. Wait until after your degree when you have a job and hopefully in a better financial position.

If it so going to put you out, don't move DP in. Simple really.

I'm going to ring and see what they say.

I know the CTC will go down when he mives and that is by £50 which I'm fine with and we did the calulator

Yes I get the highest rate at student finance and help with childcare. However I know people who only get £1,000 a term (3 months ) due to having a partner.

I know they would take 25% off her but I don't want that to happen as it's unfair on his child and that's why we would pay the short fall.

So we have to live separate over the next four years coz the law says she should have 130 of my childrens money?

Meaning I will be receiving more benefits in the long run when living together would mean I get less benefits etc.

Please stop using the word 'coz' you're not helping yourself.

You say that you struggle to feed and provide for your children.
Your partner moving in means you'll lose more income 'coz the law says.'

So use your brain and decide what's best for your children.

Sorry, who will be getting £130 of your children's money? Your new partner's ex? Surely if anything her Child maintenance will reduce not increase because your partner has moved into a house with children?

tax credits do not count as income for child maintenance purposes

www.gov.uk/how-child-maintenance-is-worked-out/how-the-child-maintenance-service-works-out-child-maintenance

@MeanAger I came across afew things on the internet yesterday and people had said that their CTC is taken into account as income. They said CMS said it doesn't but it does.

A lady said her partner paid 200 a month and after moving in he paid 400 a month.
As they took the CTC into account.

@talonofthehawk I'm don't mean to come across in any way. I also said I struggle now but I would struggle to feed the kids if what I found is the case.

Yes I will do what's right for my kids. As I am already looking into how things will change etc

What has confused me more than anything is to a percentage of CTC is taken into account. Which someone has already stated that it does further up.

I also know her payments would go down and also said that he would pay the short fall therefore she would not lose out by him moving in with me.

Surely just don't move him in if you will struggle to finance your children? That's the solution?
Being an adult and a parent means making sacrifices.

I'm confused. Who takes CTC into account?

Well if you will struggle don't do it. You can still date him and be a couple, you don't put yourself andnyour children in extreme financial difficulties just so you can wash another man's pants.

@andbabymakesthree I'm confused to haha.

I hAve read up that a portion of CTC is taken in to account with CMS

Someone said that it could be due to the joint claim

And someone has yes they do take %.

This is what I am trying to find out though haha

Child maintenance options assess based on non residents parents income only.
Not yours or other household benefits. Yes there will be a small reduction in his liability as their are other children in your household.

Your child tax credits might be affected as you will now need to claim tax credits based on your household income. You can use a calculator online to work out what your new total might be.

If he thinks his maintenance is too high because it was based on earnings that are higher than what he is on now then he can apply to the CMA for a reassessment.

As for the parent stopping contact when she feels like it I suggest your partner apply to the courts to get a formal arrangement sorted. Costs £200 and will give everyone for boundaries and clear expectations

@MeanAger I know this and that's why I'm am looking into now. I think it would be irresponsible of me not to and just move him then possibly have to move him out. Not only will that be upsetting for us but it would also confuse and upset my children.

We talked about doing it next so I have looked into now etc to see what is what.

www.gov.uk/how-child-maintenance-is-worked-out/how-the-child-maintenance-service-works-out-child-maintenance

instead of looking at how other people are assessed look at the booklet your partner would have received with his calculation