will we be moved csa1 to csa2

Loopy_Girl

Booradley wrote: »

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

It's a long long time away. I would just assume that you will be on CSA1 until the youngest has finished his/her education.

You are correct about why CSA2 was brought in with regards to the mortgage and also NRP's could take whacking great home improvement loans out and that woudl reduce the CS due - not a very fair system.

CSA2 seemed to be fairer (and imo it is) as it's a straight percentage of salary which comes directly from the NRP and doesn't involve the NRPP like CSA1 does.

Kelloggs on here is a bit of a whizz working out CSA1 calcualtions and if you PM her with what you are paying now and what your income would be should you be mortgage free, she can give you an indication of how much the CSA payments would change.

kelloggs36

The PWC issue was already covered by the phasing element for cases which were eligible to be moved over. It had no bearing on the decision to implement CS2 in the first place.

Soubrette

Loopy_Girl wrote: »

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.

Hi Loopy

I was under the impression though that PWCs on CSA1 could ask to go on to CSA2 - has this changed or was I misinformed?

Sou

Loopy_Girl

Soubrette wrote: »

Hi Loopy

I was under the impression though that PWCs on CSA1 could ask to go on to CSA2 - has this changed or was I misinformed?

Sou

No you are quite correct. I, however, have SoS arrears and am right in the middle of a nightmare that you would not believe and that Eastenders would be dying to get a hold of so I am not doing anything at this time until I find out what is happening with my case!

Booradley_2

Kellogs36
I have no idea what phasing means. I probably don't need to know. We have been on CS1 since we were assessed in 2001. We only pay the minimum since my wife, the NRP has low wages. Under CA2 I'm guessing we would pay more as housing costs would not be considered.
If there was some possibility of being moved to csa2 then I would consider paying off my mortgage. If definitely staying on CSA1 then would prefer to keep housing costs.

Boo

kelloggs36

Phasing is where the payments are gradually increased or reduced when a case is switched over from CS1 to CS2 so that the PWC or the NRP doesn't suffer a shock if the payments change too much. If the PWC wants to change though, you will be switched over!

Booradley_2

Kellogs
Thank you
OK, the numbers.
Because wife earns only £130 pw and has housing costs although the assessment is around £100 pw she pays only £6.
(A) With 3 chidlren would she pay a lot more on csa1 without housing costs? and
(B) would she pay more on csa2 which disregards housing costs.

Boo

Loopy_Girl

Under CSA2 the amount would be 25% of her net income which in this case would be £32.50pw

If the children stay with you both for some nights then the amount would be reduced by 1/7, 2/7 etc etc

Do you have any children together as this would have an effect on the amount?

£6 for 3 children is a really really low amount - people that are on benefits pay more than that for one child!

LizzieS_2

Loopy_Girl wrote: »

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.

The other problem is the fact that they also had to move the benefit claimants (on csa1) from the old benefits system to the new tax credits system (still not done to my knowledge).

kelloggs36

Loopy, you have forgotton the fact that the OP partner earns less than £200 per week, so it will be £5 plus the percentage of the remaining £30 per week, so actually the amount payable would be not much different UNLESS there were tax credits which they were getting.