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I reduced my CSA bill from £78 per week to £6

135

Comments

  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Soubrette wrote: »
    Hopefully, the children have at least one parent who actually cares about providing for them.

    Otherwise god help them :(
    How much does there resident parent pay to support them ?
    ETanny wrote: »
    Your poor children. That wouldn't even pay for a weeks worth of school lunches.
    Just how much is a fair rate to pay in CSA payments? If the OP isn't working then £5 is the rate to pay. If OP has arrears then £6.60 per week is deducted from benefits. It is a fair rate. Not much but it's a fair rate.

    I gather OP has lost his job and can no longer pay £78 per week. He would have been on that rate on a minimum wage job with arrears and it would have been killing him. Losing his job will make hime better off. I agree bad for the kids so he should have come to an agreement before quitting work.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • cavework
    cavework Posts: 1,992 Forumite
    edited 16 January 2011 at 6:02PM
    HappyMJ wrote: »
    Just how much is a fair rate to pay in CSA payments? If the OP isn't working then £5 is the rate to pay. If OP has arrears then £6.60 per week is deducted from benefits. It is a fair rate. Not much but it's a fair rate.

    I gather OP has lost his job and can no longer pay £78 per week. He would have been on that rate on a minimum wage job with arrears and it would have been killing him. Losing his job will make hime better off. I agree bad for the kids so he should have come to an agreement before quitting work.

    Op has kids .. kids equal cost to support
    I am going to be slated but here goes..
    Your kids .. your responsibility with their mother .. smug posts about your reduction in payments to support your kids makes you look like a complete *****
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    cavework wrote: »
    Op has kids .. kids equal cost to support
    I am going to be slated but here goes..
    Your kids equal your responsibility with their mother .. smug posts about your reduction in payments to support your kids makes you look like a complete *****
    It does and I'm not slating you for that:)...and he should have been keeping up with payments from day one rather than putting his head in the sand and ignoring it and he should have been putting money aside for the day that they would be requesting it.

    I gather he's lost the will to fight any more due to the DMP, CSA, bills arrears and everything else and to him losing the job is the best action to take. I hope he does come to his senses retrains and get a higher paid job soon. I really do hope for his families sake that this little gloating and celebration doesn't last too long.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • beatthecsa wrote: »
    Hello Everybody after a bit of mucking about I have managed to get my weekly figure reduced from £78 per week to £6.60!!!
    If anyone wants to know how to do it please ask me!!!!!:j

    How did you do it? C'mon, spill the beans...
  • cavework
    cavework Posts: 1,992 Forumite
    I think Op needs to get back to the basics. The OP has children who need maintaining and should be the number one priority between himself and the childrens mum
    He has his kids wellbeing to fight for ..and thats a fight any parent will not give up
    Giving up is not an option OP when you have your kids to consider..
    x
  • adea
    adea Posts: 448 Forumite
    Part of the Furniture 100 Posts Name Dropper I've been Money Tipped!
    DUTR wrote: »
    Well done, as if on the other side of the fence someone got a contribution increased from £6.60 to £78 then that also would be cause for celebration, sounds like you are on csa1 due to your other posting
    "
    icon1.gifDebt management planHi all I am new here and in lots of debt!! I was looking on the national debt helpline website and they mention a Debt Management Plan. It sounds quite good and could be just the thing I need, but I wanted to see if anyone has done this and their experiences of it.
    Thanks"


    With respect DUTR, the quote you have above was not from the OP, he actually posted this:
    Forget debt management companies do it yourself and save the fee. Also if anyone is interested
    After a bit of mucking about I have managed to get my weekly CSA figure reduced from £78 per week to £6.60!!!
    If anyone wants to know how to do it please ask me!!!!!

    so we don't actually know the if he is unemployed and on a debt management plan, we know nothing more than in the opening post!
  • Soubrette
    Soubrette Posts: 4,118 Forumite
    HappyMJ wrote: »
    Just how much is a fair rate to pay in CSA payments? If the OP isn't working then £5 is the rate to pay. If OP has arrears then £6.60 per week is deducted from benefits. It is a fair rate. Not much but it's a fair rate.

    I gather OP has lost his job and can no longer pay £78 per week. He would have been on that rate on a minimum wage job with arrears and it would have been killing him. Losing his job will make hime better off. I agree bad for the kids so he should have come to an agreement before quitting work.

    Do you know this to be true from other posts or a personal relationship with the OP?

    It does seems plausible from the bare facts but not so much so from the tone of the OP. First the post is full of glee, I would expect a responsible parent to be regretful they couldn't provide for their child even while they were glad their payments were affordable, and to be determined to do the best they can to provide for their children in future.

    Secondly it seems as if the OP is willing to tell people how he managed this reduction if they ask him, what an anticlimax to be told that he's lost his job and is now claiming benefits.
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Soubrette wrote: »
    Do you know this to be true from other posts or a personal relationship with the OP?

    It does seems plausible from the bare facts but not so much so from the tone of the OP. First the post is full of glee, I would expect a responsible parent to be regretful they couldn't provide for their child even while they were glad their payments were affordable, and to be determined to do the best they can to provide for their children in future.

    Secondly it seems as if the OP is willing to tell people how he managed this reduction if they ask him, what an anticlimax to be told that he's lost his job and is now claiming benefits.
    Admittedly it is a guess as the amount quoted £6.60 is also the exact same amount that will be taken from benefits in case of arrears. We don't have much to go on.

    Agree with the second paragraph. Sounds like he's happy he's won a small fight with CSA. I'd be the complete opposite but then I'd be paying from day 1 and would have been negotiating with PWC to make payments fair and manageable. Me personally I would have tried my hardest with PWC to get payments set at around £30 per week until I could get back on my feet. I am assuming he earns minimum wages. The £78 payment would have been the exact same amount taken from minimum wages leaving him with less than what he would get on benefits. I would have told creditors to go jump and possibly even consider declaring BR if there is simply no way of paying them from wages and not even bothered with trying to make any payments on DMP.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    Lots of assumptions here, very few facts and the OP seems to have posted and run.
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    bluebag wrote: »
    Lots of assumptions here, very few facts and the OP seems to have posted and run.
    Probably down the pub celebrating an extra £70 a week in his pocket with his mates. lol...:beer:
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
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