CSA advice forum » CSA Advice

How can I pay if there is NO money?

(6 posts)
  • Started 6 months ago by m4tt
  • Latest reply from dragonfly86

  1. m4tt
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    My ex wife and I came to an agreement that I eould pay her an amount every month in addition to her receiving a house and a car. Since my separation and subsequent divorce and including the house and car she has had around £250,000 from me. Last November I was skint having lost a lot of money in a pub business and the payments stopped. She immediately contacted the CSA and they awarded £5.00 per week. In December I was made bankrupt and at the end of January decided to go self-employed. I managed to get 2 bits of consultancy work providing me with £1,600 per month before tax and NI. I declared this to the CSA and got a letter saying they would not be changing the amount I pay. On 28th September I got a phone call completely out of the blue from the CSA saying that they had reviewed the information I gave them in January and decided that I should be paying £44 per week back dated to January. Can they actually do this? I then receieved a seroies of 8 letters demanding various amounts from me - The highest being £3,076 - one saying the liability for my sons maintenance ended on 1st September and a further one threateing bailiff action. After writing to them to explain that after allowing myself £20 per week for food and paying a mortgage of £585 (Which is high so that my ex didn't have to pay a mortgage) if I add up all my out-goings they arrive at £1,465 per month. After deducting tax and NI my income is £1,285 therefore I have a deficit of £180 per month. I have a house in negative equity and as I was made bankrupt I cannot take on a loan or overdraft or any sort of credit. I have now received an enforcement letter dated 28th Oct saying they will taken legal action unless I cough up £1400 in 7 days. This letter arrived 7 days after the one that said I had 1 month to appeal. If there is no money, there is NO MONEY. So can someone help? The CSA have not been able to inform me as to what I should stop paying for (Council tax, Heating etc.) in order that the monies to pay them can be raised.

    Posted 6 months ago #
  2. SarahField
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    https://www.facebook.com/groups/protectctc/

    Posted 6 months ago #
  3. conrad668s
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    That sounds really similar to my situation.
    My ex kept the house/car and benefitted from £300 a month cash for the first 2 years of our separation and then I lost my job. After trying to start my own company this year she has unleashed the CSA who will force me to close because I don't have enough to cover their cost and my living expenses.
    If they'd just let me trade until I could make some money (I have great potential business lined up for next year) then all would be ok - they don't care about the impact it will have long term or recognise how hard I've had to struggle this year to try and drag myself out of the gutter - they'll happily put me back there rather than let me get straight and be able to look after everybody without their intervention.

    Posted 6 months ago #
  4. leigh30
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    They well within rights to take a certain amount?

    Posted 6 months ago #
  5. dragonfly86
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    Me and my partner are having a simular problem, but my partner didn't pay as much out as you.
    I got my uncle to help me out as he's a complete boffin and hes been through the courts for his.
    He said to me to write everything down, so how much my x paid for house, how much money she got when she divorced.
    Basically right everything in detail what happened and how much you payed and how it affected you and find the paperwork that proves what you paid etc.
    Also you can make a complaint about the CSA.
    Say that it was there fault they got it wrong, you informed them of your changes and they said nothing would change but then changed there mind and started threaterning you and put how stressed out you was and put down dates when they phoned you, what you did. Detail every little thing that happens.

    My partner is the only one that works and if they take csa payments off of us, which is £300 they'll be leaving us with nothing.
    I said to him straight away appeal against the decision because they are leaving a family in poverty if they take that amount of money.

    So write everything down, prove what you have written down, write an appeal and let them take you to court, get them to do all the dirty work.

    Amount of times they've phoned my partner threaterning has been almost every day nd that's just because they dont want to have to pay to come and take you to court.

    Posted 6 months ago #
  6. dragonfly86
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    If you use the CSA caluclator, person earning under £200 a week should get reduced amount of payment. but they do take debts from previous relationship into consideration. here are some useful links.

    I worked out itd be better for my partner to only earn £180 a week.

    Away to earn more money without them finding you is to do temporary work through an agency, harder for them to track you down and then just disapear from it after a month.

    I applied for CSA for my son, my x is on dla and incapacity benefit, i found out he gets like £500 a month, he never filled the form in and it took me a year to get any money off him, the dopey sod was working and pay slips got sent to my address. I sent 4 wage slips in to the Csa along with a bank statement saying that he was getting £500 in benefits and £1000 in cash from an agency.

    I phoned them up asking what had happened they said well we have telephoned your x asking if he works there and he sais no. Well der.

    Anyway, he moved away to newcastle and the csa didn't investigate it or anything they just said, if he has said no about working somewhere we cant assume that he is, i was like how though, i've sent you all the proof.

    I found it it takes them ages to investigate something like this and its even harder to find people through agencies as most agencies only keep peoples details on for so long and they get rid of them, because agencies tend to have alot of people that go and just disapear.

    So either go onto benefits or only earn £180 a week, set up another bank account that no one knows about, go and work for an agency and put the money you get from them into that seperate account. By law, they are only allowed to search bank accounts that you tell them about, dont work longer than a month, tell no one your working and dont put any hints that your working on social internet sites like facebook etc and never stay at a job longer than a month.

    That's the only way i can figure out how to bend the system.

    After all i proved my x was working and they did nothing because he said he wasn't working and because he was working through an agency, it was even harder.

    useful links

    http://www.childsupportsolutions.co.uk/nrp-appeal.htm#nrpnewappeal

    http://www.direct.gov.uk/en/Parents/ChildMaintenance/IfyourealreadyusingtheChildSupportAgency/DG_198928

    Posted 6 months ago #

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