will we be moved csa1 to csa2

Booradley_2

My wife is NRP. There are three children. She pays the minimum because of her low wages and the fact that we have a mortgage (housing costs).
I am in a position to pay off the mortgage. But if I do we will have no housing costs (no savings either!). So presumably her payments will increase. What are the chances of being move to CSA2 where housing costs don't matter. Then the decision will be easier

Boo

Loopy_Girl

Absolutely none. Cases on CSA1 are going to be stuck on them until the child is no longer eligible.

A fact I suspected but had confirmed by one of my case workers the other day.

I would have thought though that the difference of not paying interest on a mortgage would have been a better financial option than paying more child support.

Booradley_2

Why are they not moving everyone over? Is it just too big of a job?

Loopy_Girl wrote: »

I would have thought though that the difference of not paying interest on a mortgage would have been a better financial option than paying more child support.

Good point. Will do the maths

Boo

Loopy_Girl

It's a looooonnngggg story!!! They were going to make sure that new cases on CSA2 were going to work okay and they didn't and the system was crap so rather than add to it they just decided to keep the people using the wholly even crapper and unfair CSA1 on that.

And now there isn't technically a CSA as they are called CMEC and have lots of great ideas on how to improve the system - don't hold your breath!!!

Blob

I think you will find that they were also woried about the back lash from PWC if they found that they were not going to get as much out of their ex's.

Politics is a mess business!

Loopy_Girl

That's strange because as a PWC, I am worse off than I would be on CSA2.

And I am pretty certain I am not alone.

It was to do with the systems. I doubt very much that a gaggle of disgruntled PWC would change a Government's way of working.

kelloggs36

Blob wrote: »

I think you will find that they were also woried about the back lash from PWC if they found that they were not going to get as much out of their ex's.

Politics is a mess business!

That's got nothing to do with it, many PWCs would be much better off under CS2 in fact.

Blob

Your view on this is at odds with the politicans, as they say my point came from the Horses Mouth, MPs, so either they are correct or you are! I know which one gets my vote, sorry!

However if you are saying that MP dont tell the truth, I would agree!

Booradley_2

I am not an expert, far from it BUT
I thought that csa2 was drawn up to combat the obvious tactic that the NRP could take out the largest mortgage possible, thereby creating large housing costs which woul reflect on the assesment. Disregarding housing costs by using CSA2 would close this loophole.

Depending on the NRPs income and housing costs some PWC will be better off under CSA! and some under CSA2. We think we (NRP & NRPP) would be better off under CSA2 as we are in apositio to pay off the mortgage. However we are under CSA1 and so we keep the mortgage.

My original question was. "Will we eventually be moved to CSA2"

Any more opinions about this.

Boo

Soubrette

Booradley wrote: »

I am not an expert, far from it BUT
I thought that csa2 was drawn up to combat the obvious tactic that the NRP could take out the largest mortgage possible, thereby creating large housing costs which woul reflect on the assesment. Disregarding housing costs by using CSA2 would close this loophole.

Depending on the NRPs income and housing costs some PWC will be better off under CSA! and some under CSA2. We think we (NRP & NRPP) would be better off under CSA2 as we are in apositio to pay off the mortgage. However we are under CSA1 and so we keep the mortgage.

My original question was. "Will we eventually be moved to CSA2"

Any more opinions about this.

Boo

This is only opinion as I have no special inside knowledge from anyone

I personally do not believe that anyone on CSA1 will be moved to CSA2. Why go down that route when in 2 years CSA3 may well be on the horizon.

It may well be that both CSA1 and CSA2 are moved to CSA3 and that's in the pipeline, but to be honest I wouldn't be holding my breath on that one either.

Sou

Booradley_2

Wow. CSA3 is new to me. How does that work with housing costs. Just trying to decide if we need to keep the mortgage.

Boo