Can you avoid the CSA if you become your own boss?
A lot of people ask on CSAhell.com about how they can avoid getting trapped by the Child Support Agency and their use of the DEO (deduction of earnings order) to take money from non-resident parents before they’re paid by their employers. The CSA likes to get money this way because it is quicker for them, requires less (or no) interaction with the NRP and the employers have to pay it under threat of bailiffs.
But what if you’re your own boss, can you avoid paying that way?
If you’re paid through PAYE under a limited company that you own then, even if you are your own boss, you’ll come under the rules of the DEO as well. A percentage of your money, complete with anything the CSA has added on for arrears, will need to be deducted from your PAYE before you receive any money.
You’re probably thinking about dividends now, aren’t you? This is one of the most popular ways that company directors take money out of their company because of the tax advantages they hold. You will pay less tax by paying yourself in dividends than you would by paying yourself through PAYE. However, as a company director this will still classified as earnings and the CSA can, and will, demand a share of this money also.
So what advantages are there for you to be your own boss? Well, one thing you can do is to reduce your personal outgoings by using them as business expenses. For example, any mileage consumed travelling to meet clients or customers can be offset against your self-assessment. Your mobile phone, which could cost upwards of £50 per month for a Smartphone, can be owned by the business – so you personally don’t need to pay for it. The CSA can’t touch any of that money. There are many other advantages to becoming your own boss and reducing what you have to pay the CSA by reducing what you need to live on, and reducing your visible income.
It just needs a little thought and investigation.
16 thoughts on “Can you avoid the CSA if you become your own boss?”
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But people should not intentionally not pay child support. How’s darren doing with his ongoing csa issues?
Well Michael what a piece of work you are! You should not have kids as obviously you are such a bad role model for anyone and a disgusting selfish person. Hope you have a long lonely unhealthy life ahead of you!
You’re quite right Karen, much better to just let the CSA rape you for everything you’ve got, forcing you into unemployment where you can’t support your children.
I totally agree with you, all NRPs should just let the CSA take whatever they want from them, because the CSA can be trusted to do the right thing and never, ever make a mistake. The CSA has the interests of the children involved at heart, and always puts them first.
NRPs listen to Karen, she knows best.
Child support legislation states what is deemed acceptable and what is not to enable a calculation for child support purposes.
In my experience, one of the main issue appears to be a lot of NRP & PWC do not know legislation and how it will affect them or how it may / may not be applied.
Obviously there’s provisions in legislation, if appropriate, enabling the CSA to treat a parent as possessing income or capital which they have deprived themselves of to decreasing their assessable income OR allowing a departure direction to be granted where a parent has the ability to control the amount of income that they receive, including income from employment and dividends from shares, and the parent has in the opinion of the CSA unreasonably reduced the amount of income that they have received by diverting it to other persons or for purposes other than the provision of income for themselves. This could be used where a limited company is being used to unreasonably reduce a person’s assessable income.
Either scenario could be backdated and cause hefty arrears for a NRP.
chall ~ afairercsaforall
I agree with Michael why not if the CSA do not play fair why should the NRP.
Everyone keeps saying how sh*t NRPs are for XYZ reasons.
However, the PWCs do not get harassed with legal action at work or home, increased debts with mysterious arrears piling up, CSA miscalculations, threats of prison, property repossession, stigmatised, the list goes on.
Why does the CSA beat you so badly, reduce a good man to a pulp and a NRP has no right to appeal or see they’re child because the mother decides to be nasty and use that child as a tool. I do not hear too many voices condemning that activity which is why men who tend to try escape paying. Do because what does it say when the mother still no matter what refuses access. Of course, if the mother is living on benefits, maybe she has another man but rest assured she would receive the full support of the CSA.
I am angry at the pure beating we get and I am not normally an angry person until now. My life is going through a disastrous 360. I cannot believe that the various groups who want to resolve and support a fair system still have no voice or strength on any government committee on how best to change the current system.
Brian
V.Angry NRP
I agree, nrp’s are made to look very bad in alot of cases because the csa lie to both parties. My husband and i have 3 young children, my husband has a daughter from a previous relationship. My husband has been paying the csa since 2005 including arrears, £200 a month in total, we know that his ex does not receive all of this money now but in the past she thought he just wasnt bothering to pay it, which causes hostility and makes him look like an arse!!!
Recently the csa have sent out detatchment of earnings order for over £400 a month, for arrears that have suddenly appeared, total miscalculation of earnings, even a man from the csa said there were alot of mistakes made by them, numbers that didnt match, letters he said they havent sent and funnily enough, the ex received a letter from the csa saying the arrears have been paid now.
We now cant afford to live, the csa wont listen to my husband, his ex wont receive the right money, i feel sick to my stomach with worry that we keep getting told there is nothing we can do about!!! csa should be taking into account all earnings from both parties before leaving a family like mine short. Screw the nrp’s who cant be arsed but stop slagging all nrp’s, there are nrp’s who are paying and being ripped off by the low life csa who dont know there arse from there elbow.
I hear you Emma and that’s where I am coming from and I’m pissed off!! the lies my case worker Mrs G.Newman from Nottingham CSA and her co-workers have caused great pain and now I’m unemployed.
It’s purely shocking the level of distruction the CSA ARE CAUSING BOTH SIDES yes. However its the NRPs (good ones) who is the bloody bashing.
Brian
well why don’t you non-residential parents pay up in the first place and then the CSA won’t have to get involved. I’m not saying this is the case for everyone but alot of people have to go through the CSA as the non-residental parent won’t pay up. I am in this situation in a losing battle against the CSA as they don’t seem bothered that he is not paying, and i only contacted them because my daughter’s father isn’t willing to pay off his own back. it’s nice to see some people actually paying up! and i agree with karen.
After reading comments from both Emma and Karen, it appears as if they are both saying that all NRP’S should be made to pay through the nose and just take it on the chin and accept it. Everyones case is different,ie NRP not willing to pay,run away etc. How does it work when the PWC openly refuses to have a private agreement when the NRP IS MORE than willing and happy to pay towards his responcibility. It took TWO people to create a life Yet they both advocate that it is down to ONE to do all the financial support.
It’s just never enough is it, for the PWC!!! You get the money, get to decide the access etc etc etc.
You are on here giving a NRP’s a bashing, for what? Being honest? Asking for help?
My husband is being screwed, yes, screwed for a child he has never seen, not does “PWC” ever want him to see, “or have anything to do with”, however, that gives her the right to take over £700 a month of “our” money. Being on the CS1, yes, not only is it my husband paying, it’s also my payslips that are taken !?!?! I have had to return to work FULL TIME and place our baby in nursery so we can afford to pay or mortgage, and the CSA !!
There is NO allowance for our little one. Yet PWC gets CSA money, benefits etc etc etc. What’s stopping her getting a job providing for her family to?
Our options: husband gives up work and becomes stay at home Dad. But then our life has to suffer…….
The truth is – the WHOLE system is a failure!!!!!!!! It’s wrecking lots of peoples lifes being PWC & NRP – oh and also people who have nothing to do with the child in question! People need to unite against this until it’s reformed to a fair system. I totally agree that NRP should contribute towards their children, whether they see them or not. But not to destroy their lifes. After all they were good enough at the time to get into bed with!
It does take two after all to make a life, but it should also take two to decide how to manage to financial responsibilties of caring for the child.
What sort of scum seeks anyway they can to avoid providing for their innocent children?
What is it with the CSA?? My ex has got our house £20,000.00 left of our savings and still the CSA have to rape me of as much as they can get.
Im paying about £350 every month to them, I cant afford to make ends meet for my new wife and child. It’s come to the point I will have to give up work to be able to afford to live.
Can anyone help with some advice?
I don’t mind paying something to the csa but don’t we have a right to a life? As our human right for a life is being taking away.
I have been paying £350 per month stright into her account after separation. she was on benefits. After spending £3000 on barristers and court to set contact in place since she basically kidnapped them moved them into some shit hole away from my lovely home that she moved into 7 years ago where the children were born and have enjoyed everything I could have ever provided for them, I now received a calculation backdated to the time she kidnapped them did not let me see them for 8 months and claims to the CSA that i did not have them over night during this period therefore full amount please not a reduced amount. She has kindly agreed after weeks of dispute and me having to trawl through bank statements, copy emailing a;ll that crap after a hard day at work to prove she got my £350, let remember this was the money she demanded which I thought I could just afford. the court did not give me shared residency they only gave me contact order – this is totally wrong but there is nothing other than going back to court to challenge this. I have my boys (two lovely boys who love there daddy very much) friday evening to monday morning plus will have them wed mid week – this is actually four nights every two weeks. I am annoyed that my ex has now put a price on my childrens heads – a price related to overnights with daddy – a cost to her own boys! its sick!. She now messes with the court order too – chopping and changing to suit her – I can can only go back to court to address this – yes another £3000! – any my solicitor says as long as she offers alternative contact then there is not much i can do ! – guess what the alternative contact has been – days only not overnight – excuse after excuse why – oh he has a party to go to – my mums not well and we need to go see her etc.etc.. and then informs the CSA that I did not have my sons over night and that she is entitled to another 1/ 7 th of my net earnings. Involving the CSA only restricts agreements, it reduces flexibility, it is calculated unfairly – I provide a three bedroom house for my sons whether they are here in the day or the night, like the man before I have just started recieving quite threatening mail from the CSA even though I have spoke with them and explained everything I can – it looks like once they have you on their books your screwed – and it sounds like they will be changing rules soon to take a gross not net therefore your gonna have to stop putting into your pension to pay the CSA because your not going to affored it – alternatively leave work – sell yours and your boys house go live in spain and drink and smoke yourself to death and pay for prostitutes its cheaper in the long run. The CSA turns women into total bitches and men into depression.
As an NRP I have lost everything due to CSA, my car my home (now in shared accommodation) for an ex who has never worked a single day in her life! The money is clearly not spent on my child and she plays god when it comes to visitation.
Perhaps some of you resident parents should GET A JOB instead of relying on others to pay for your life style!
I pay £300 per month for my son, your telling me a 10 year old requires £600 a month to live…assuming his mum should be responsible for half the financial responsibility. I don’t have that much to live on after bills. I wouldn’t mind so much if I actually got to see my boy but apparently the only legal right we have is to pay.
With the payments set so high you can’t afford a solicitor to get access. All this government has done is help support these totally bums who just don’t want to work. Listen up mum’s..,they are just as much your financial responsibility as the dad, try getting a job for yourself. Better yet let the father spend time with the child and buy what he needs for you, to many of you pretend the money is for the child when you just spend it on yourselves. Just because you have children together no one owes you a lifestyle, if you need something for little Jimmy I’m sure dad will get it, I’m just sure he’s not interested in paying for your new iPhone 5 contract!
The CSA should be taken to court and prosecuted for rape. They are thieves and liers they dont listen and make a fair judgement of a case they ruin lives and very often make a bad situation worse. Its about time the government stop this unorganised outrageous untrained bunch of head strong Nazis and brought in a fair system. Its ok for them to sit in the houses of parlament taking a wage of 120k year PLUS expenses making rules that no one agrees to shouting here here…order order im sure that Adolf will be proud of you all becase no one else is
I would just like to tell u my story I have two sons am split up 13 yrs and in that time have received around 3000 pounds in total I have tried everything the csa a solicitor but he just dosnt give a dam and people like you and you cheesy we details on the internet don’t help thank god my parents have helped and my two beautiful sons have not suffered but my thought are with al, the kids out there who don’t have the help I have had my eldest at u iversity in Scotland the other boy doing his alevels hopeing to become an accountant my eldest son now does not speak to him at all I to,d him never to contact my sons untill he is prepared to help support them I know it’s wrong but my sons are better on without him and creeps like you as your probably a sad specimen of a father as well my youngest boy speaks to him birthdays and xmas but that’s it you see your ways are not helping the lack of support creates division and resentment for life the close bond between a father and child is damaged when no support is given so thickostop damaging family’s you stupid idiot may b you should do some good as my x is now saying he’s a director of a company even tough he’s a delivery driver yeah rite !! Reading your we creepy information on here although your only a little fish really it’s the government in this pathetic country that needs to getough on the sperm donors out there he and you think your smart but the advice you are giving will create a lot of lonely old men because when my sons r at the top of 5here game which they will be he,l b sitting alone with his money and your advice mayb you should sit together not much between either of your ears I would say I know it’s hard for the mothers out there doing it alone with no financial help but we will get the last laugh it’s already happening for me my son hates the site of his dad thinks he’s a thick saddo lol suits me fine as I agree with him you see this is what your we information is creating. I could go on and on my x pathetic human being and so are you wise up!