Private arrangement with ex until she told CSA I hadn’t paid for two years
January 21, 2013
My oldest daughter is 17 now, I split with her mother when she was 2 and not long after landed a decent job in a car factory and paid her £420 a month (Csa deduction from earnings) for nearly the whole time I worked there but my then present partner got pregnant with my youngest daughter and as this was after 2003 it meant that everything would assesed under the new rules of the CSA.
My oldest girls mum and i agreed to come out of the CSA and I would give her £200 a month direct which we did for about 18 months until the redundancy’s at work came up and she got wind of the payment I would receive.
She contacted the csa and told them I hadnt paid for nearly 2 years and the first I heard of it was when I got a bill from them saying I owed just short of £10,000 and my attachment of earnings was being increased to over £600 a month just for my oldest daughter as the CSA didnt even know of my youngest. I proved her a liar as I had statements proving I had been paying money to her. We once again went back to direct pay for £200 a month which is about what she would have had under the new assesment.
In 2010, 6 years after I was made redundant and we had been direct pay all that time and had used the redundancy as a deposit for a mortgage etc, I got a letter of the CSA saying that My oldest girls mum had contacted them and they had reopened the old case. I gave them all the details straight away about my new much lower paid job the fact i had shared care of my youngest daughter whose mother (I had split with because of all the financial difficulties my oldest girls mum had caused) and that I had a mortgage on a flat now that cost twice as much as the squalid bedsit I had before. After 3 months they finally got back to me and said the situatiion didn’t warrant a change and due to arrears the attachment of earning was over £600 a month.
Obviously I contacted them and said how can that be when I have shared care of my youngest, a mortgage and lower wage and they told me then after 3 months after I informed them about my youngest daughter that they did not include her as they couldnt take my word that I had shared care of her. I had to get my youngest girls mum to put in a claim against me which took months to reasess andin that time I went to the Citizens advice and even they were shocked they couldnt do anything about this as I wasnt even being left enough to pay my mortgage and bills let alone the legal requirement of me having £89 a month living costs( they took the full £630 a month all this time) when they had finally assesed things they agreed that I was paying too much but the law states that my oldest girls mum had to take a gradual drop in payments over 5 years and as my youngest daughter was now included they even tried to put the payment up. At this point I was nearly an extra £10,000 in debt as every month I was borrowing on Credit cards to pay the mortgage and the cost of my kids and car etc had lead to loans etc.
After nearly 18 months of all Bob Ainsworth the MP finally got involved and my paymenats have now come down to £250 a month for both girls but I am in that much debt now I have been advised to hand the keys back on my flat and go bankrupt, I can hardly afford to eat and I have creditors chasing me, The CSA and my first partners greed really did destroy my life and I am facing the flat being reposessed now and losing my flat which means losing be able to have my children that I worship and have always been there for.