Which Interest Rate on reimbursed DNA cost by CSA

JJWSJS8700

(Please excuse my paragraph button is not working...lol) I was wondering if anyone knew the correct amount of interest the CSA should pay on money owed/reimbursed to a PWC/NRP.















I have read many threads on here where a poster has advised it should be the Statutory Interest Rate of 8% but the CSA disagree. I am the PWC and was wrongly advised that I must take a DNA test and pay for it or they would allow the NRP to stop his payments (after he had been paying for 4 years of his childs life through the CSA). They have now realised after 9 years that they were wrong and reimbursed me. They did not even offer a discounted one but I had to take a private court recognised one ~ complete with all the humiliation.

DUTR

JJWSJS8700 wrote: »

(Please excuse my paragraph button is not working...lol) I was wondering if anyone knew the correct amount of interest the CSA should pay on money owed/reimbursed to a PWC/NRP.















I have read many threads on here where a poster has advised it should be the Statutory Interest Rate of 8% but the CSA disagree. I am the PWC and was wrongly advised that I must take a DNA test and pay for it or they would allow the NRP to stop his payments (after he had been paying for 4 years of his childs life through the CSA). They have now realised after 9 years that they were wrong and reimbursed me. They did not even offer a discounted one but I had to take a private court recognised one ~ complete with all the humiliation.

What humiliation is there? The DNA test is nearly 100% accurate, the blokes cannot have women going around just pointing the finger at who they choose (well they can but the DNA removes much doubt).

JJWSJS8700

DUTR wrote: »

What humiliation is there? The DNA test is nearly 100% accurate, the blokes cannot have women going around just pointing the finger at who they choose (well they can but the DNA removes much doubt).

Thank you for replying DUTR.


As you are a great NRP defender maybe you could help me in my next question??


I know you are on CSA1. When you give your income, housing costs to the CSA and sat patiently awaiting for your assessment through the post, can I just ask you:


if you had found '£000's of pounds' after you had sent off your 'details' and then visited your bank and paid off 50% of your mortgage before you actually received the assessment in writing:-


1/. Would you advise the CSA of your new lower/reduced housing costs?


2/. Do you think you should have to inform them?


3/. If your PWC 12 years later found the assessment letter (which you would have received also) and had proof on that date that you had paid off 50% of your mortgage, should or can the CSA or any other DWP department reassess and backdate your assessment, for giving/advising/withholding information which could change your assessment?


Thanking you and any posters in advance for any advice/opinions.

DUTR

JJWSJS8700 wrote: »

Thank you for replying DUTR.


As you are a great NRP defender maybe you could help me in my next question??


I know you are on CSA1. When you give your income, housing costs to the CSA and sat patiently awaiting for your assessment through the post, can I just ask you:


if you had found '£000's of pounds' after you had sent off your 'details' and then visited your bank and paid off 50% of your mortgage before you actually received the assessment in writing:-


1/. Would you advise the CSA of your new lower/reduced housing costs?


2/. Do you think you should have to inform them?


3/. If your PWC 12 years later found the assessment letter (which you would have received also) and had proof on that date that you had paid off 50% of your mortgage, should or can the CSA or any other DWP department reassess and backdate your assessment, for giving/advising/withholding information which could change your assessment?


Thanking you and any posters in advance for any advice/opinions.

Hi there, you may have missed many of my posts, if a NRP is wishing to avoid contributing I do not support that practice, I'm on CSA 2 and have cleared my mortgage (largely to do with what I was contributing vs what I then had to contribute on CSA2 ( a large reduction)) .
Trouble is with many is how they view the CS contributions, some see it as a punishment or fine, it is neither and from either side of the fence there is no point stressing over it, we would all like more disposable income and money cannot be magic'd from out of the blue, I do hope your child's father contrbibutes as he should (csa quote) the money will never be enough for some, me? I didn't work hard to spend it all on offspring as if my life counts for nothing.
Children are important yes no one can deny that, but when adults commit all there income to them whether PWC or NRP then they are often not content and wish to blame elsewhere.
I mentioned the dna test not being humiliating as it is simply a swipe of the gums, no one is pre judging those tested, both parties have to protect themselves financially, I certainly wouldn't want to directly support children that were not my own.

justontime

I can't answer your question about the interest rate that should be applied but it sounds like something that your MP may be able to help with. Our MP was excellent in helping my husband to resolve a very worrying CSA issue when the advice from everyone else was that there was nothing we could do. It sounds as if they failed to follow their own procedures, if so you should at least be entitled to a consolatory payment.

I fail to see why a DNA test would be humiliating, but I would probably be annoyed at having to go to those lengths to get a father to take responsibility for his child. We are on the flip side of that problem, my husband's ex partner announced that his middle child was not his when the child was about 9. It has caused so much upset for my husband, but mostly for the child. I can certainly understand why a father would want to be absolutely certain that the child in question was his and a DNA test is the only way to do that. By the way my husband still pays CSA for that child (now 19) because he is her father in every way that matters, but it would have been much better for the child to have grown up knowing the truth rather than finding out as the result of an angry outburst.

JJWSJS8700

DUTR : sorry I thought you were on csa 1, I've listened to your reasons and brill you pay without any aggro....pity a few more nrp's weren't the same.

Lets pretend you arw on CSA 1 and give me your opinion/answers to my questions.

Thank you

DUTR

JJWSJS8700 wrote: »

DUTR : sorry I thought you were on csa 1, I've listened to your reasons and brill you pay without any aggro....pity a few more nrp's weren't the same.

Lets pretend you arw on CSA 1 and give me your opinion/answers to my questions.

if you had found '£000's of pounds' after you had sent off your 'details' and then visited your bank and paid off 50% of your mortgage before you actually received the assessment in writing:-


1/. Would you advise the CSA of your new lower/reduced housing costs?


2/. Do you think you should have to inform them?


3/. If your PWC 12 years later found the assessment letter (which you would have received also) and had proof on that date that you had paid off 50% of your mortgage, should or can the CSA or any other DWP department reassess and backdate your assessment, for giving/advising/withholding information which could change your assessment?


Thank you

1) I had paid chunks off my mortgage, the monthly remained the same.

2) I think the rules indicate you should inform them if a change of circumstance changes a 5% of liability, personal circumstance at the time would dictate the decision eg a lotto win.

3) I think the sanction was £1000, as I understand the re-assesment is from when the csa become aware, because of the stats n stuff, I think as long as CS contributions are being made it's a tick in the box, so they are less likely to spend resource on the finer details, especially if it doesn't change the assesment by much, and if someone who has to pay becomes better off not working due to large CS contrbutions, some will opt not to work at all, which then reduces the laibility to a measly £5 or so a week, which barley buys a gallon of petrol, so it's a matter of the which is the lesser of evils?

JJWSJS8700

DUTR wrote: »

1) I had paid chunks off my mortgage, the monthly remained the same.

2) I think the rules indicate you should inform them if a change of circumstance changes a 5% of liability, personal circumstance at the time would dictate the decision eg a lotto win.

3) I think the sanction was £1000, as I understand the re-assesment is from when the csa become aware, because of the stats n stuff, I think as long as CS contributions are being made it's a tick in the box, so they are less likely to spend resource on the finer details, especially if it doesn't change the assesment by much, and if someone who has to pay becomes better off not working due to large CS contrbutions, some will opt not to work at all, which then reduces the laibility to a measly £5 or so a week, which barley buys a gallon of petrol, so it's a matter of the which is the lesser of evils?

DUTR ~ Thank you for kindly answering the questions.


1/. As you said you're on CSA2 so paying off your mortgage costs would not make any difference.


2/. Much more than 5% increase ~ £75 pm x 5 years extra should have been paid.


3/. When a NRP receives their first and only letter advising them of their assessment, should they/advise they have reduced their housing costs substantially...so the assessment is no longer valid.


If someone is found out years later to have given false/misleading or withheld information, do you think the CSA can reassess and backdate.


Thank you once again.

Crellow4

There is no legal requirement to notify a change of income/housing costs - only a change of address.

DUTR

JJWSJS8700 wrote: »

DUTR ~ Thank you for kindly answering the questions.


1/. As you said you're on CSA2 so paying off your mortgage costs would not make any difference.


2/. Much more than 5% increase ~ £75 pm x 5 years extra should have been paid.


3/. When a NRP receives their first and only letter advising them of their assessment, should they/advise they have reduced their housing costs substantially...so the assessment is no longer valid.


If someone is found out years later to have given false/misleading or withheld information, do you think the CSA can reassess and backdate.


Thank you once again.

Crellow4 wrote: »

There is no legal requirement to notify a change of income/housing costs - only a change of address.

@OP What I meant is that say one had a mortgage of £100k and was paying £600/month, if they paid off a chunk of £50k, they can retain the same term at a reduced payment or continue with the same monthly at a shorter term

Also, how come a reassesment does not activate the change of circumstance in your scenario?

@Crellow, I always thought there were more to inform of eg change of employer (for those on DEO) or going from employed to unemployed or vice versa ) although I have not read of anyone getting penalised for not doing so.

JJWSJS8700

Crellow4 wrote: »

There is no legal requirement to notify a change of income/housing costs - only a change of address.

Sorry I think you misunderstood...I know a NRP does not have to advise on housing costs (unless he is asked for them by the CSA).


I meant when a NRP fills out his Child Maintenance Enquiry form, gives all details as requested i.e. income, housing costs, etc...


then when he receives his letter informing how much he has to pay each week...it does state on same letter that you should notify of any changes that would change the assessment amount - whether an increase or decrease.


Therefore if you paid off half your mortgage since you sent in your completed form to the CSA, you should inform them.


Do you agree?