The Money Advice Service is an impartial service set up by the Government. He needs to ask for a variation on the prior debt, as long as it isn't credit card debt. Otherwise he needs a job that pays more as I think he will have to pay. Carl McMullen is authorised to Act as an Insolvency Practitioner, in the UK, by the Insolvency Practitioners Association. If you’ve agreed to pay maintenance directly to the other parent through the Direct Pay scheme but you get into arrears, try to negotiate with the other parent first. So, no more letters, phones calls nor threats of legal action. I might be wrong but I understood that the child maintenance includes everything he gives his ex so that would include paying her share of the debt? If you’re new to the CSA Under CSA rules, the non-resident parent’s responsibility to pay starts as soon as the case is set up. If you make your payments in full and on time, you won’t go into arrears and your payments will be more manageable. I miscarried our baby at 12 weeks this year unfortunately. If you are honest with them about your financial difficulties, the CSA will do it’s best to help. We have been keeping a log for a while now and do have lots of awful texts, voicemails, letters, emails from herself... will check contact time also. Can’t afford the CSA payments . To use this feature subscribe to Mumsnet Premium - get first access to new features see fewer ads, and support Mumsnet. By continuing to use our website, you agree to, enforcing payment of CMS child maintenance, Further interest & charges while repaying these over several years could be say as…. Debt Guardians are a suitably licenced debt solution provider. I sympathise with the situation in regarding her attitude but he was foolish not to deal with the debt issue properly at the time. When the parents have maintained an amicable relationship the amounts payable can be agreed through a family-based arrangement which is formalised by a court order. Once you have made the agreed contributions any remaining money owed is written off. So, should the borrower not able to keep to the terms of agreements and have other unsecured debts repay, solutions such as IVAs and bankruptcy and debt management plans exist to make sure a fair compromise is reached. It would be difficult maintaining one family home in this situation without having to partially maintáin a second one too. Child maintenance can be paid: •    every week•    every fortnight•    every four weeks•    every month If you miss payments, you will normally be asked to pay the full amount you owe straight away. Should an IVA be suitable - the next step is to draw up a formal proposal for consideration by your creditors. @Weepingwillows12 I hadn't thought about that, but I'm not sure of the legalities around this.All it means is that the children will essentially be worse off when at their dads house. Catalogues & Buy now – pay later agreements, For other debts contact Debt Guardians for clarification. All collection activity and legal action stopped. Ask the CSA if you can change how often you make your payments. For example, if the payment was made to: •    pay a mortgage or loan which is taken out to buy or pay for essential repairs or improvement to the home where the child lives, and which is secured on that home•    pay rent or council tax for the home where the child lives•    pay gas, water or electricity charges for the home where the child lives, or•    make essential repairs to the heating system or fabric of the home where the child lives. Your expenditure is expected to keep within reasonable guidelines - but you won't be asked to live in poverty. Debt Guardians is a trading style of Guardian Insolvency Ltd. Every time he actually looks after the kids and every abusive text or other communication she sends him. For example, if she wants to go out on a Thursday (not his contact day), and he can't change his plans to look after them she will text him 'you're a shit dad and you're not seeing your kids again-I'm changing their surnames' etc... kind of thing. Came to say what NorthernSpirit said. He separated from his wife just before Xmas and moved out of the family home. Think you’re paying too much maintenance?

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