CSA1 ref mortgage payments

DUTR

galangm8 wrote: »

No he's not just 'worrying' though is he?

OP is simply wants a correct assessment - (about £30pw less to pay on my reckoning) so not just pennies.

You can be classed as 'True Gent' if you want but I didn't think you were in the same 'league' ~ paying the very high amounts Jarhead has paid over his child's 'life' even though he has taken out a higher mortgage to up his housing costs (also like my NRP did) but his son his almost a 'MAN' now, so his paid his due.

The figures he quotes are pocket money, I pay more, but that does not make me any better, and after all I am not seeking your approval, I do my part with the 15% , I can tell you that my contribution goes to stabling and purchase of a horse/pony. No I didn't raise my mortgage, I reduced it to nil so that it is easier to meet the CS commitment. And yes with a previous GF (childless but working FT) she proposed purchasing a place together (although I am on CSA 2 so her income doesn't come into it). Life doesn't have to stop after a relationship breaks down or CSA involvement. It's about self budgeting whether PWC or NRP, to me it is more agro to try and dodge payment or even get it reduced to near nothing, the way I look at it is when my liability is over then it's a 15% net rise for me :cool:

DUTR

galangm8 wrote: »

It does not make you a gentleman at all in the real world, but when it comes to the scams a lot of NRP's strive to to avoid paying Child Maintenance for 'their' own child/ren, then it does...

You are real woman, like we all are who are raising our children to the best of our ability, but not because you have supported your children solely, without a penny from their father ~ just a bit of a sucker who made some bad choices in life regarding the father of her brood.

Who's fault is that though?

galangm8

DUTR wrote: »

The figures he quotes are pocket money, I pay more, but that does not make me any better, and after all I am not seeking your approval, I do my part with the 15% , I can tell you that my contribution goes to stabling and purchase of a horse/pony. No I didn't raise my mortgage, I reduced it to nil so that it is easier to meet the CS commitment. And yes with a previous GF (childless but working FT) she proposed purchasing a place together (although I am on CSA 2 so her income doesn't come into it). Life doesn't have to stop after a relationship breaks down or CSA involvement. It's about self budgeting whether PWC or NRP, to me it is more agro to try and dodge payment or even get it reduced to near nothing, the way I look at it is when my liability is over then it's a 15% net rise for me :cool:

Wow I wouldn't call that pocket money...The amount Jarhead has paid, roughly over 18 years @ £100pw ~ he could have bought many ponies..lol

You must be paying loadsssss........

You most certainly do not need my approval DUTR but you have definitely changed your 'attitude' over the past year or two for the better - to the point I thought you....

Regarding you will get a 15% rise when your liability is over - aww how very sad I thought you were making it up with your fam/child ...:( to the point I thought you would write a rekindled love storey:( said again:)

DUTR

galangm8 wrote: »

Wow I wouldn't call that pocket money...The amount Jarhead has paid, roughly over 18 years @ £100pw ~ he could have bought many ponies..lol

You must be paying loadsssss........

You most certainly do not need my approval DUTR but you have definitely changed your 'attitude' over the past year or two for the better - to the point I thought you....

Regarding you will get a 15% rise when your liability is over - aww how very sad I thought you were making it up with your fam/child ...:( to the point I thought you would write a rekindled love storey:( said again:)

My attitude/stance has remained the same, what may have changed ofver the years is the readers stance towards my posts.

It is sad, but not from my viewpoint, I don't think the world was created to wait around 2000 years after the departure of Christ for the children that so many are arguing over.
No re-kindling I'm afraid, I'm not paying CSA and making 4 times 60 mile round trips per week, nope afraid the PWC in my case was scheming but once she realised I was having none of it (eg buy the council house, pay for extras (computers/holidays etc), meet the daughter, she has soon changed tune, however she can't spite me as I already pay CSA 15% :cool:

PS new car ordered with delivery in October/November :cool:

HoneyNutLoop

galangm8 wrote: »

Kelloggs
[...]
Sorry for any confusion ~ in your name also

I'm not Kelloggs. I know it's been speculated, but I'm not. Promise!!

Fission

jarhead66 wrote: »

Take home monthly pay = £1620
my old mortgage = £204
council tax = £57
My old CSA monthly payments = £376.05

this is their calculations

My take home monthly pay = £1620
My mortgage = £732
Life cover = £48
council tax = £57

new CSA monthly payments = £292.97
My housing costs have increased by £576 but my CSA payments have only decreased by £83.08, i live by myself so mine is the only income and claim no other benefits. so much for the CSA taking your housing costs into account!!

my son is 18 and a half...

It sounds as though you are paying an assessment consisting of a relatively small basic element (equivalent to the maintenance requirement, which is lower for an 18 yr old than for a younger child) at 50% and a relatively large additional element (at 15% for one child).

Each £1 reduction in assessable income (eg, because of an increase in housing costs or a reduction in earnings) yields you only 15p back in reduced liability because that's all that you were liable to pay out of the marginal pound anyway.

That IS the way it works.

FBaby

galangm8 wrote: »

It does not make you a gentleman at all in the real world, but when it comes to the scams a lot of NRP's strive to to avoid paying Child Maintenance for 'their' own child/ren, then it does...

You are real woman, like we all are who are raising our children to the best of our ability, but not because you have supported your children solely, without a penny from their father ~ just a bit of a sucker who made some bad choices in life regarding the father of her brood.

I see so OP is a real gentleman because he has paid £1000s, and I am a real woman but not because I have supported my children solely financially.... Isn't that a bit of double standards.

As to making bad choices, doesn't that apply to everyone here? My ex had a very good job when we had our children together, pity that things went downhill afterwards.

The fact that some nrps are scammers doesn't make those who are not heroes, just responsible fathers.

kelloggs36

Life cover isn't allowed as a housing cost.

jarhead66

thanks to everyone for their comments, I am going to put in an appeal as i feel i have nothing to loose, I did speak to the CSA today and was told that they do not include living costs in their assessment, you have just got to live on what they leave you with thanks again

galangm8

Fission wrote: »

It sounds as though you are paying an assessment consisting of a relatively small basic element (equivalent to the maintenance requirement, which is lower for an 18 yr old than for a younger child) at 50% and a relatively large additional element (at 15% for one child).

Each £1 reduction in assessable income (eg, because of an increase in housing costs or a reduction in earnings) yields you only 15p back in reduced liability because that's all that you were liable to pay out of the marginal pound anyway.

That IS the way it works.

Hello

Please can you explain what your first paragraph means, I've been dealing with CSA1 since 1993 but I am confused?

Thank you