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Ex says refused Car Insurance Because of Attachment of Earnings?

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My Ex (who has been a reluctant and angry payer of CSA) has said that he was refused car insurance (credit) because of an attachment of earnings made by the CSA. Does an attachment of earnings orders affect your credit rating in this way? Of course, I have no idea if he has other credit problems.
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  • System
    System Posts: 178,348 Community Admin
    10,000 Posts Photogenic Name Dropper
    It can appear on his credit file so may well affect his ability to get insurance on credit.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • what is car insurance (credit)? Is it something different to car insurance?
    Overactively underachieving for almost half a century
  • Buzby
    Buzby Posts: 8,275 Forumite
    It would not affect him if he paid his insurance in full.

    It is only if he tries to pay by instalments, with the credit company seeking to ensure their risk is not misplaced.
  • SaLoGo
    SaLoGo Posts: 1,025 Forumite
    Part of the Furniture Combo Breaker
    what is car insurance (credit)? Is it something different to car insurance?

    I would imagine they mean he was unable to pay his car insurance monthly, as you are in effect taking out a small loan to pay for the insurance.
    :beer: Been smoke free for 4 years!! :beer:
  • thanks for clarifying that.

    he'll just have to pay the whole lot up front then won't he. that'll teach him that not paying for his kids isn't an option and that failure to do so has consequenses.

    Under no circumstances is any of this your fault and don't let him guilt trip you into thinking it is.

    Oh and it goes without saying don't let your children get into a vehicle with an uninsured driver behind the wheel.
    Overactively underachieving for almost half a century
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    My Ex (who has been a reluctant and angry payer of CSA) has said that he was refused car insurance (credit) because of an attachment of earnings made by the CSA. Does an attachment of earnings orders affect your credit rating in this way? Of course, I have no idea if he has other credit problems.
    No chance. An attachment of earnings will not be on his credit report. He will have other problems with credit.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Oh and it goes without saying don't let your children get into a vehicle with an uninsured driver behind the wheel.
    That's a hard one...do you check each time on askmid paying £4 every time he comes to pick the children up? It's not as if he's going to say "I'm not insured on the car now..are my kids ready" is it... If he were to pay monthly and fail to pay the insurance will be cancelled so you couldn't rely on his assurance the vehicle is insured for a whole year.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • [Deleted User]
    [Deleted User] Posts: 7,323 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 22 September 2013 at 11:04PM
    I can't give out too many details because just my luck, he'll be a member too lol. But yes, he means that rather than paying car insurance in a lump sum you sign a credit agreement and pay for car insurance monthly.

    He hardly sees his son (even when we lived 2 miles apart which we don't now) so I don't need to worry about whether he drives legally.

    A lot of what he said didn't ring true. He wants to make a private arrangement but given his resistance to accepting any financial responsibility for our son (who also has special needs) and how he behaved when the CSA were trying to deal with him., I can't trust him.

    But I would be interested to know if an attachment of earnings would affect his credit rating sufficiently to make it impossible for him to get credit. I suspect he has many other reasons to be refused credit (he never was too good with money).

    I don't want to 'rob the man blind' but I also don't want to deprive our son of some help that he needs. I'd rather the CSA decided what he should pay etc. I can't because I can't believe what my ex says!
  • Your ex's financial mess is not your concern. Your son IS your concern. Just let the CSA deal with the ex and get on with your life with your child.
    I'm a retired employment solicitor. Hopefully some of my comments might be useful, but they are only my opinion and not intended as legal advice.
  • Your ex's financial mess is not your concern. Your son IS your concern. Just let the CSA deal with the ex and get on with your life with your child.

    Yes, this.
    Overactively underachieving for almost half a century
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