Is CSA1 an exact science? (if so where can I get a copy of the formula) -merged-

flateric81

under the new rules calculation (cs2), the nrp partners income will not be included in any assessment, if the nrp is included in any tax credit claim, then this will be included as assessable income.

Loopy_Girl

flateric81 wrote: »

under the new rules calculation (cs2), the nrp partners income will not be included in any assessment, if the nrp is included in any tax credit claim, then this will be included as assessable income.

This is a CSA1 case

kelloggs36

marksoton wrote: »

Mothballed, no they cannot force your partner to meet YOUR responsibilities to your child. However you must feel that you have a moral obligation to your first child ?

This is always an emotive subject, after all in an age of so called equality why should a man not choose to be at home with their newborn.

Having said that as Kelloggs has stated they may apply legal status to your debt. And more to the point surely you don't want your first child to go without ?

That was my point - thanks for clarifying it! It just makes me angry when parents of either gender think that their new children deserve more than their existing children which suddenly become a financial burden to them. they don't need less because they aren't working do they?

kelloggs36

New partner's income is only taken into consideration at the protected income stage of the calculation. They do NOT use it to calculate the amount due. With a nil income, it will result in a nil assessment - it is as simple as that. Partner's income won't change that unless there was an income for the NRP which was reduced drastically due to the housing costs, and even then the PWC has to apply for a departure to have the income taken into account to see if the partner can contribute towards the housing costs. So for the OP, the partner income will have no impact.

mothballed

Loopy_Girl wrote: »

Having just read your other thread though this could all be immaterial. You would be eligible for contribution based JSA for 6 months and, going on your new partner's income, you wouldn't be eligible for income based JSA after that.

I wouldn't need JSA for that long. I just need a rest and a way out of the poverty trap.

Loopy_Girl wrote: »

Always remember though, whatever happens, any arrears you have (if any, please don't think I am making assumptions) will always be due.

The deposit on my flat and unused annual leave is enough to pay the arrears. The arrears are wrong anyway because the CSA has assessed overtime on the basis I permanently work overtime. The arrears accrued when I resumed working normal hours or take annual leave.

Loopy_Girl wrote: »

Do you have any contact with your children?

Yes but its very minimal and under duress. I have a contact order but I found that to be worthless. I have left it up to my children to contact me whenever they want to. The door is always open for them and the can live with us at any time. Its better than the miserable existence they get with ex. She only wanted the house and used the children as a bargaining chip.

mothballed

Strapped wrote: »

if you have capital available as you suggest (and this could potentially be assessed as income-generating by the CSA anyway, depending on how much it is).

The deposit on my flat and unused annual leave comes to about £1400 and the arrears about £1560. A financial adviser says put all the money into a bond and the interest will pay off the whole arrears at about £5 a week. Paying it off outright leaves about £200 which I will have nothing to pay it off with. My girlfriend does not want to pay any CSA, that's her prerogative.

mothballed

kelloggs36 wrote: »

New partner's income is only taken into consideration at the protected income stage of the calculation. They do NOT use it to calculate the amount due. With a nil income, it will result in a nil assessment - it is as simple as that.

You hit the nail on the head.

kelloggs36 wrote: »

Partner's income won't change that unless there was an income for the NRP which was reduced drastically due to the housing costs, and even then the PWC has to apply for a departure to have the income taken into account to see if the partner can contribute towards the housing costs. So for the OP, the parf er income will have no impact.

I think that also answers my other question - can I go from CSA1 to CSA2. It now appears to be irrelevant because the assessment would be nil in any case.

Kellogs, while I have your undivded attention, I'd like to pick your brains.

Once baby goes to nursery and I return to work, I am assuming CSA1 assessment resumes at 30% of income but I anticipate this would only be part time work, (probably bus garage management). Is there a minimum income threshold that needs to be reached before CSA1 starts deducting?

mothballed

The CSA disregards morals and ethics. I need to work out a pre-tax salary vs. hours worked that is most tax efficient under a CSA1 assessment.

Where can I get a copy of the formula and its variables?

kelloggs36

YOu need to work out your net income, and take away the housing costs from that income, plus the income support rates for yourself and any children that are biologically yours (or adopted) who live in your house with you. What is left over is halved and this is compared to the maintenance requirement which is the child rate on income support, plus the family premium plus (if child is under 16) a carer premium which is equal to either 100%, 75%, or 50% of the adult personal premium (currently at £60.50 per week). If this amount is less than the maintenance requirement then this becomes the maintenance due but it is then determined whether you can afford it by calculating the protected income.

Either way you do it, your net income is the basis on how they do it - the rest is based on your housing costs and income support rates.

kelloggs36

CS1 is not automatically 30% of your income as it depends on your circumstances. You will have 100% of housing costs deducted from your net income, plus half the child premium and half the family premium - what is left is what is used. To answer your question at this stage is impossible, as it depends on what your income is and your housing costs. I take it that you have no objections to paying something to your ex in respect of your child though?