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.
